Wealth Management - OPCM Solutions

Comprehensive Asset Allocation
The cornerstone of investment management is flexible and responsive asset allocation. We allocate your portfolio with the goal of achieving a balance between calculated risk and the expected return on investments. Each client receives customized Investment Policy Guidelines. The IPG shows your unique targeted risk/return profile, along with target asset allocation, and secondary items such as stock concentrations and income needs. In Equities, our clients receive a diversified US Equity solution balanced between Large, Mid and Small Cap categories and across all industries. In Fixed Income, we use individual bonds tailored to a client’s unique time horizon, income needs and tax situation. In addition, we use our “Global Strategic Asset Allocation” to layer portfolio exposure in International stocks, Natural Resources, Real Estate Investment Trusts, and finally Cash. The result is each portfolio is allocated among five distinct asset classes.

Portfolio Management
In every Wealth Management solution, clients are assigned a lead portfolio manager and a backup portfolio manager. To be a portfolio manager at OPCM, it is mandatory to have at least 10 years of experience and a MBA or CFA designation. Understanding the balance between realizing gains in a portfolio and the cost of creating a taxable event, our portfolio managers focus on maximizing the after-tax return of portfolios.

Financial Planning
With a Certified Financial Planner on staff working closely with clients and their OPCM Portfolio Manager, Osborne Partners is able to provide clients with an array of essential financial planning services. From Retirement income projections to College Education funding, personal insurance evaluations and Comprehensive Financial Plans, we are able to meet the planning needs of our clients whatever the situation.

Income Tax Planning
Portfolio managers work closely with local CPAs and attorneys to coordinate tax planning into the management of client portfolios. Tax sensitive portfolio strategies are tailored to clients’ unique needs and circumstances.

Estate and Charitable Planning
Osborne Partners works with local attorneys and CPAs to provide for the settlement of your estate. With services ranging from tax preparation, asset management and estate administration, our experts will decipher changes to probate and tax laws to minimize the tax consequences and maximize the value of the estate you pass on to your heirs. We regularly review your estate planning documents to make sure they are still the most appropriate for you.

Employee Stock Option/Concentrated Position Management
Concentrated positions, stock options and grants, corporate pension plans and restricted and control stock associated with Initial Public Offerings (IPOs) can all result in significant risk and create unexpected liquidity challenges. We have developed a clear hedging and draw down strategy that seeks to insulate a portfolio from market volatility by creating a multi-year forecasting plan for unwinding positions that leverage our unique understanding of the U.S. Equity markets.

This approach is used over time to implement a careful and more tax-efficient sale, resulting in the smallest financial impact to the client.