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Our Services


  • Learning your goals, values and mission and what you expect from our relationship
  • Assessing your risk tolerance and time horizon
  • Determining your communication style
  • Learning about your investment philosophy
  • Analysis of your cash flow and any debt concerns


  • Retirement plan analysis and review
  • Asset allocation analysis
  • Optimizing contributions across plans
  • Projecting retirement income using multiple “what if” scenarios
  • Distribution and income planning and tax reduction strategies
  • Strategies and recommendations


  • Identifying time frame and goal for each investment
  • Asset allocation analysis
  • Consolidate and streamline accounts
  • Investment tax reduction strategies
  • Debt management
  • Asset preservation
  • Planning for other life goals (living abroad, weddings, etc.)
  • Strategies and recommendations
  • Quarterly update and review meetings

ESTATE PLANNING (in consultation with your estate planning attorney)

Review of your existing wills, trusts and other estate documents

Review beneficiary designations for all accounts, annuities, real estate and insurance policies to help assure proper integration with your estate plan

Discussion of charitable gifting strategies

Advanced estate planning techniques (may require separate planning fee)

  • Strategies for reducing gift and estate taxes on wealth transfer
  • Uses of life insurance trusts
  • Uses of annual exclusion gifts and lifetime gift tax exclusion
  • Reducing the generation skipping tax
  • The changing landscape for the estate, gift and income tax
  • Pending legislation and current opportunities
  • Strategies and recommendations


  • Survivor needs analysis
  • Strategies for meeting lump sum needs
  • Income needs strategies


  • Review of all existing coverage (life, long term care, disability income, ADandD)
  • Design and consultation of optimal policy ownership and beneficiary designations
  • Recommendations for additional coverage as needed (including getting multiple quotes to find the most competitive offers)
  • Referrals to competent PandC insurance carrier as needed

TAX PLANNING (in consultation with your CPA)

  • Review of your personal and business tax returns
  • Discussions with your CPA
  • Strategies and recommendations for tax reduction


  • 529 College Savings Plans
  • UTMA and UGMA accounts
  • Coverdell Education IRA

BUSINESS STRATEGIC PLANNING (also refer to our menu of business solutions)

Design and implementation of qualified retirement plans for business owners

Review and analysis of existing business succession and exit strategy

  • Plan design and review (with your attorney)
  • Funding considerations
  • Recommendations

Executive compensation

  • Deferred compensation
  • Executive perks

Osaic Wealth, Inc. does not provide tax or legal advice.