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Owl & Ore works with families to help understand equity income plans
Incentive Stock Options
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Creating an exercise and selling schedule
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Qualifying dispositions
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Private vs public ISOs
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Alternative Minimum Taxes
Non-Qualified Stock Options
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Exercising considerations
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Effects on ordinary income taxes, social security taxes and medicare
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Holding strategies after exercise
Restricted Stock Units
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Treatment as income or an investment
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Private RSUs, single and double trigger events
Employee Stock Purchasing Plans
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Enrollment, offering and purchase periods
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Discount element
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Lookback features
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Qualifying dispositions
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Stock Appreciation Rights & Phantom Stock
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Stock appreciation versus stock value
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Timing of exercise and resulting taxation creation
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Choosing between SARs and RSUs.
Owl & Ore provides the following financial planning services
Financial Standing
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Cash flow analysis
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Income maximization
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Cash reserve and cash investing
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Employee benefits maximazation
Asset and Personal Protection
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Life and disability insurance strategies
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Home owner and Insurance review and strategies
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Cash reserve and cash investing
Investment Management Services
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Risk tolerance assessment
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Tax efficient account strategies
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Tax efficient investment strategies
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Personalized portfolio design
Tax planning
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Projecting current and future tax liabilities
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Tax efficient investment and income strategies.
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Qualified vs Non-qualified dispositions
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83(b) elections
Estate planning
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Trust review
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Personal estate document needs
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Charitable gifting strategies
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Personal gifting
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Legacy planning
*Owl & Ore will take on non-equity compensation cases in special instances
*Owl & Ore does not provide tax filing services
Owl & Ore specializes in the planning of many family goals, including:
Home purchase​
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Primary home purchase or relocation
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Secondary/vacation homes
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Rental property
Education Planning​
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- Education account creation and funding
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Saving strategies
- Distribution strategies
Retirement Planning
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- Maximizing employee retirement plan benefits
- Tax efficient savings strategies and income distribution strategies
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RMD strategies
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Roth conversions strategies
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Social Security, and pension considerations
Generational Wealth Planning​
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Annual gifting strategies
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Lifetime gifting credits
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Tax considerations
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Trust considerations
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Legacy goals
The Financial Planning Process
1
DISCOVERY MEETING
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Discuss & prioritize your financial goals and concerns
- Understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
3
sTRATEGY dEVELOPMENT
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Discuss solutions to financial shortfalls and relevant tasks needed to reach a satisfactory result
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Collaborate to determine the most comfortable methods to complete financial tasks
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Determine the roles and tasks the client(s) and the advisor will take to accomplish the financial plan
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
2
dATA
gATHERING
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Review your financial position and financial resources
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Quantify your financial goals and future outlook
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Discover areas of shortcomings and opportunities
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
4
pLAN
iMPLEMENTATION
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Utilize Advisor's knowledge and resources to understand options and allow for easy decision making
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Complete financial tasks as a team to make the process simple and streamlined.
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Regular meetings to review strategies and be proactive when making necessary changes.
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Discuss your financial goals and concerns
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Prioritize your goals
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Develop an understanding of what finances mean to you
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Learn how financial planning plays a role in reaching your goals
Simple Fee Structure
Financial Planning
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$6,000 Annual Fee
Planning fees cover one year of financial services paid by clients annually or on a monthly basis
*Fees are negotiable. Owl & Ore reserves the right to honor previously negotiated agreements for current clients.
Investment Management
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0.5% of AUM
Investment Advisory fees are paid monthly out of the accounts with Owl & Ore as the advisor of record.
*Minimum of $500,000 aggregate in assets required for investment management services.
*Fees and a description of services can be found in the firm ADV Part II link below..
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