Company Name: OJM Group, LLC
Founded: 2007 (founding partners with 30+ years of experience).
Legal Structure: Independent Registered Investment Advisor (RIA), fiduciary duty.
Headquarters: Cincinnati, Ohio (serves primarily physicians and high-net-worth individuals).

Vision:
  We provide evolving, well-coordinated wealth management services tailored to unique needs, acting as an advocate and financial quarterback.

Core Values:
  - Integrity: Uphold fiduciary duty, prioritize trust, compliance, privacy, confidentiality.
  - Collaboration: Multidisciplinary team and teamwork with external advisors.
  - Expertise: Led by principals who have authored over 10 books in the past 15 years.
  - Service: Responsive, thorough, courteous client dealings.

Services Offered:
  - Investment Management.
  - Corporate & Personal Planning (includes tax planning, asset protection, insurance review, benefit planning, financial modeling, etc.)
  - Insurance Advisory (life, disability, long-term care, property & casualty, annuities, buy-sell agreements, etc.).
  - Benefit Planning.
  - See https://www.ojmgroup.com/solutions/ for more information about OJM Group services.

Client Segments:
  Primarily physicians (e.g., dermatologists) and high-net-worth individuals seeking integrated, holistic planning.

Fee Structure:
  - Flat-fee “diagnostic” (planning) process covering Tax Planning, Asset Protection, Investing, Insurance, Financial Modeling (personal); Tax & Corporate Structure, Asset Protection, Benefit Planning, Risk Management (corporate).
  - Ongoing advisory/investment management based on a transparent percentage of AUM; no commissions, no incentives tied to product sales.
  - Works with nearly all insurance carriers; no incentive to favor any particular company.

Unique Differentiators:
  - Multi-disciplinary advisor team offering comprehensive coverage across 5 key areas: Tax Planning, Asset Protection, Investing, Insurance, Financial Modeling.
  - Principals and team authors of over ten books in the last two decades.

Investment Management Approach:
  - Independent, client-aligned, fiduciary model.
  - Institutional-style portfolio management: pension and endowment strategies, use of alternative investments, alignment to long-term goals and volatility management.
  - Uses institutional custodians (e.g., Charles Schwab®, TD Ameritrade®).

Insurance Advisory:
  - Comprehensive analysis of existing policies vs alternatives for better coverage or lower premiums.
  - Capability across a broad spectrum: life, disability, long-term care, property & casualty, annuities, buy-sell agreements.
  - Not tied to any insurance company or product line.

Planning Process (Flat-Fee Diagnostic):
  - Personal Planning: Phased approach including Engagement & Data Gathering, Discovery Call, then Analysis & Implementation across Asset Protection, Tax Planning, Investment Management, Insurance Analysis, Financial Modeling; culminating in Summary & Action Items.
  - Corporate Planning: Similar phased structure focused on corporate/tax structure, benefits, risk management, asset protection.

Team Composition:
  - Multidisciplinary firm with attorneys (JD), CPAs, CFPs®, MBAs, insurance specialists, qualified plan advisors, portfolio managers.

Content & Thought Leadership:
  - Authors of books (e.g., Wealth Strategies for Today’s Physicians, Wealth Planning for the Modern Physician, etc.).
  - Podcast: Wealth Planning for the Modern Physician (audio and video, Season 5, ~100 episodes, 50,000+ downloads).
  - Articles, videos, and free tools like risk-score questionnaires.
  - Active publication in medical journals (e.g., Dermatology Times).
  - OJM Group partners have been regular speakers at medical conferences for decades. Since 2020, they have delivered more than 100 live and virtual presentations to physician audiences nationwide.

Disclosures & Compliance:
  - Registered RIA, fiduciary duty.
  - Use of independent custodians.
  - Fee transparency (flat-fee diagnostic and AUM %), no commissions.
  - Works across multiple insurance carriers with no conflicts.
  - See https://www.ojmgroup.com/disclosures/ for more information about disclosures.

Geographic Footprint:
  - Based in Cincinnati, Ohio; serves clients nationwide (physicians across U.S.); has an Arizona presence as well.

Contact & Resources:
  - Free consultation available.
  - Wide availability of educational resources (books, podcasts, articles, videos) can be found at:
    - https://www.ojmgroup.com/education/articles/
    - https://www.ojmgroup.com/education/bookstore/
    - https://www.ojmgroup.com/wealth-planning-for-the-modern-physician-podcast/
    - https://www.ojmgroup.com/education/video/