*The illustrations provided are for educational purposes only. Each individual's situation is unique. Speak with a Financial Professional before taking action.
Diversification does not assure a profit or protect against loss. Investing in securities involves risk of loss that clients should be prepared to bear. No investment process is free of risk; no strategy or risk management technique can guarantee returns or eliminate risk in any market environment. There is no guarantee that our investment processes will be profitable.
Evaluate your current investment allocation, identify what is working and what isn’t, build a risk-appropriate portfolio based on a clear and consistent strategy, and reevaluate your portfolio regularly.
Help calculate the income you need to enjoy your post-career lives, discuss Social Security claiming strategies, and explore distribution options on your accounts.
Determine the best saving and investment solutions to support your children or grandchildren’s education, share resources and tools that help clarify the cost of higher education, and discuss ways to maximize financial aid programs.
Identify your spending and saving priorities, help you create an emergency fund, and develop plans for funding a large purchase, e.g., house, car, wedding.
Discuss titling and beneficiary designations on your accounts, and provide an overview of how you can leave a legacy for your family, friends or, favorite charity.
Analyze your existing employer retirement plans, e.g., 401(k), 403(b) etc, discuss appropriate matching and/or contribution amounts, and review your investment options.
We help advise you through critical aspects of federal retirement, from Thrift Savings Plan allocations to your pension to Social Security and, finally, your estate plan.
We'll get acquainted with you and all aspects of your financial needs and wants; and, we'll walk through our background, process, and services.
Once we know your investment experience and risk tolerance, along with your personal and professional priorities, we can analyze your current approach.
Is your current plan going to get you where you want to go confidently? We'll consider the advantages and disadvantages.
We'll deliver prudent and streamlined guidance for you to consider. Most importantly, we'll evaluate any feedback you have concerning our proposal.
Now that we've mapped out your preferred route, we'll put the recommendations into action.
Consistent communication with you is essential to achieving sustained progress. You can expect a proactive partnership from us as we monitor your goals.
Consider this model if you desire a comprehensive planning relationship with access to the full breadth of OCM’s services, plus ongoing monitoring and management of your assets.
0.75% - 1.50% of assets that we manage on your behalf
Consider this model if you prefer to manage your assets but would like ongoing consultation from experienced financial advisors on one or more of the following topics: asset allocation, investment portfolio analysis, retirement planning, education funding, risk management, estate planning, charitable giving, and debt management/cash flow analysis.
$500 onboarding fee; $200*/month for the first year of service
*depending on scope of services provided
Consider this model if you want to manage your assets and are merely in need of guidance on one particular event. Examples include, but aren’t limited to, the sale or purchase of a business, receival of an inheritance, determining appropriate personal or retirement account type, sale or purchase of a home, or any other significant life event.
$750 - $1,500
*depending on scope of project
For further details on fees being provided: Form ADV | Form ADV Part 2
Do you have financial or personal goals for yourself, your family, or your business? If yes, a financial advisor can help you reach those desired goals. Plus, financial advice isn't just for the wealthy. We are here to help you gain wealth and sustain it.
Unfriendly people! Seriously, we love working with positive people that are serious about reaching their personal and financial goals and are open to new ideas.
You can choose to work with either of us. Nevertheless, know that we are a team that works closely on many plans. As such, clients benefit from our nearly 50 years of combined financial services experience.
Absolutely not. With today's connectivity, we can provide high levels of engagement with clients across the country. Many of OCM's existing clients reside in a state other than North Carolina.
No minimum account size is required.
Great! You've taken an important first step in reaching your financial goals. Though, much like in the world of medicine, it often makes sense to get a "second opinion" from other professionals in the industry.
No, we have not. We encourage you to use FINRA's BrokerCheck tool when conducting due diligence on financial advisors.
We are not bound by or committed to any financial companies' funds, investment products, sales goals, or initiatives. Simply put, you can feel confident the solutions and services we recommend are solely for your benefit.
Advisor Group is one of the largest networks of independent wealth management firms in the United States. The individual firms that comprise Advisor Group foster the spirit of entrepreneurship and independence that our more than 11,000 financial professionals exemplify.
331 Middle St.
New Bern, NC 28560