Corporate & Personal Planning

With a multidisciplinary approach to the achievement of your financial goals, OJM Group’s Planning Division is exceptional in the industry.

Our clients have found that a close collaboration of advisors from a variety of disciplines is essential in today’s complex environment. OJM’s team includes attorneys, CPAs, MBAs, CFPs, and insurance specialists who contribute their perspectives and expertise on each client’s challenges and goals.

We have helped some clients with only one or two solutions; for others, we have truly become a financial quarterback, coordinating all areas of their financial life.

OJM’s team reviews a plan you have in place to make certain it can deliver on your expectations, or we can create a dynamic plan tailored to your unique situation and financial goals.

PERSONAL PLANNING

PHASE 1

GETTING TO KNOW YOU

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ENGAGEMENT AND
DATA GATHERING

Engagement Letter signed by all parties

Data and documents requested to begin process

Requested data varies according to type of engagement

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DISCOVERY
CALL

Review data and documents

Introduce OJM team

Request additional information

Determine priority of process steps

Define success of process

PHASE 2

ANALYSIS AND IMPLEMENTATION

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ASSET
PROTECTION

JD partner provides comprehensive Asset Protection Analysis
Evaluates current levels of exposure for each asset
Recommendations to improve protection for each asset class
Cost/benefits of different tools on a (-5) to (+5) sliding scale

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TAX
PLANNING

Review of personal tax returns
CPA partner provides comprehensive Tax
Planning Analysis Recommendations to reduce taxable income and/or defer tax liability
Focus on tax diversification

investments going up

INVESTMENT
MANAGEMENT

Wealth advisor reviews recent investment statements

Online tool to determine risk score

Discussion of current portfolio, past performance and fees

Recommendations for reallocation, if needed

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INSURANCE PRODUCT
ANALYSIS

Life, disability and long term care policies evaluated by OJM expert

Property and casualty policies reviewed by partner firm

Existing policies compared to alternatives

Options for premium reduction/improved coverage presented

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FINANCIAL
MODELING

CFP® analyzes current cash flow, income projections and retirement goals in different scenarios

Provides guideline for savings to meet financial goals

Review retirement funding methods and tools for funding college education

PHASE 3

SUMMARY AND ACTION ITEMS

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Deliver written summary of recommendations

Review tools and tactics implemented thus far

Prioritize and implement additional solutions

CORPORATE PLANNING

PHASE 1

GETTING TO KNOW YOU

handshake icon

ENGAGEMENT AND
DATA GATHERING

Engagement Letter signed by all parties

Data and documents requested to begin process

Requested data varies according to type of engagement

file magnifying glass icon

DISCOVERY
CALL

Review data and documents

Introduce OJM team

Request additional information

Determine priority of process steps

Define success of process

PHASE 2

ANALYSIS AND IMPLEMENTATION

lock icon

ASSET
PROTECTION

JD partner provides comprehensive Asset Protection Analysis

Evaluates current levels of exposure for each business

Recommendations to improve protection for each asset class

Cost/benefits of different tools on a (-5) to (+5) sliding scale

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CORPORATE
BENEFITS PLANNING

Analysis of current retirement vehicles

Comparison to other qualified and non-qualified retirement plans

Presentation of options that may provide greater cost efficiency and tax benefits to owners and/or partners

investments going up

INVESTMENT
MANAGEMENT

Wealth advisor reviews corporate investments

Discussion of current portfolio, past performance and fees

Recommendations for reallocation, if needed

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CORPORATE STRUCTURE
AND TAX PLANNING

Review of corporate tax returns

CPA partner provides comprehensive Tax Planning Analysis

Recommendations to reduce and/or defer tax liability

Analysis of current corporate structure; review pros and cons of using different and/or multiple entities.

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RISK MANAGEMENT
ANALYSIS

Review of your commercial lines insurance coverages by a partner firm

Examination of buy-sell, business overhead and disability risks and an analysis of various solutions

Options for premium reduction/improved coverage presented

PHASE 3

SUMMARY AND ACTION ITEMS

checklist icon

Deliver written summary of recommendations

Review tools and tactics implemented thus far

Prioritize and implement additional solutions

Present on-site or recorded seminar for business owners/management team

ARTICLES

Image showing bull market with stock chart S&P 500 and Nvidia
Monthly Investment Commentary

Markets Surge to New All-Time Highs in February

After surpassing its all-time high in January, the S&P 500 powered through the 5,000 level…

VIDEOS

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Webcasts

Health Savings Accounts

In this video, OJM Group Wealth Advisor Adam Braunscheidel, CFP® provides an overview of Health…

PODCASTS

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Wealth Planning for the Modern Physician Podcast

Better Methods for Hiring Staff

In episode 4.14, host David Mandell sits down with optometrist Dr. Mike Neal. David centers…