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Step by step, your personal vision comes into sharp focus

Your Journey

Everything we do is in service of our clients.

This isn’t just a guiding principle – it’s our shared commitment to making sure you are heard, understood, and guided toward achieving your goals. Your assets represent your time, your plans, and your hopes for the people you care about. We believe they deserve nothing less than our deepest, most personal investment.

Our advisors are here to guide you through all important phases of your life. How can we help?

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The choices you make now can help ensure you’re able to pursue your passion and continue providing for your family in retirement.

Whether your dream is to downsize to a condo and sail around the world, or to finally make your vacation home a full-time residence, it’s never too early to start building a strong foundation to retire on. For many of our clients, retirement isn’t just about kicking back, it’s about entering a new and exciting phase of life.

Before you make the big leap, there are number of things to review and consider.

Download our Retirement Planning Checklist to begin your journey.

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You’ve spent years investing time and energy and ingenuity to grow your business. But what’s the long-range financial strategy?

We can help you create a strategy – or refine an existing one and execute it with acumen. In the process, we’ll lead you through a handful of critical decisions that can transform your business into the valued asset you need it to be. We’ll apply our experience and expertise to create a disciplined financial plan that reflects the complexities of your situation — including tax and investment strategies for your future succession or retirement.

Regardless of where you are in the life cycle of your business, it’s never too early to start planning. In fact, the earlier you start, the more innovative approaches we’re likely to come up with to help you maximize your business value and get where you want to go. Learn more – download our handy Guide to Graceful Succession now.

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Living well is about more than money—it’s about having a positive impact, within your family and on the world at large.

For our clients, their legacy—what they choose to do with the wealth they’ve earned—is a way of expressing their values and their beliefs. After ensuring that their own retirement is secure, this usually means finding ways to support children, grandchildren, and other family, as well as organizations and causes that are close to their hearts. There are many different strategies and decisions around your legacy, and we can help provide guidance that will maximize the impact of your generosity.

Take a look at our blog post, Ensuring Your Beneficiary’s Future, to help tie up potential loose ends.

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Preparing for and responding to life’s curve balls.

Everyone will face unexpected challenges and opportunities in their lives. Good or bad, the key to navigating them is a combination of forethought and agility. We help our clients prepare for unexpected contingencies, such as unplanned health expenses, job changes, and family issues, but we also help you deal with them when they arise, and manage the financial impacts of stressful events with a combination of agility and patience.

No doubt, some of the biggest life changes involve our relationship with others. Grab a copy of our eBook, Couples and Money, to discover more about how to maintain financial health at every stage of your relationship.

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Giving to worthy causes is inspirational and personally rewarding.

Your donation or volunteer efforts can truly change someone’s life. Yet this may be an area that you haven’t had time to fully define. There are great causes, so many needs, often urgent ones. As resources, interests and passions change over time, the charitable “plan” can constantly evolve. How much, to what, and when? Cash, appreciated property, and/or time? If you are seeking new ideas for giving, we can help guide you on a path to thoughtful philanthropy.

Download our Four Efficient Ways to Give to Charities now.

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Providing the next generation with every opportunity to thrive.

Many clients are interested in funding or contributing to the education of their children and grandchildren, but there are a lot of different options for doing so, and navigating them all can be challenging. 529 Plans, GET Program, Coverdale ESAs, Custodial Accounts for minors… they all have advantages and disadvantages. We can help you determine which plans are best for you—and how much to invest in them—so that you can ensure your family is supported and that your money is being used in the most effective and most tax-efficient manner possible.

Download our 10 Tips for Funding an Education now

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Women today face unique challenges when it comes to investing and financial planning. According to an annual nationwide survey by the American Psychological Association and Harris, women worry more than men about their financial security, 

When building wealth, the two main things you can control are your income and the amount of it that you spend. You might be making smart spending decisions, but you should also take steps to increase your pay. This is especially true for women, who tend to earn less than their male counterparts. Because of this, women may have less money to put aside for retirement.

Private Ocean intends to close the gender investing gap through education, empowerment, and shared experiences. Our team includes nine women advisors and more than 53% of our team is female.

Download the Women of Private Ocean to meet the team and let us know how we can serve you.

Our Process

Your time is valuable and your needs are unique.

Your relationship with your wealth manager should be personalized to help you meet your goals. What can you expect when you sit down with one of our advisors?

At our first meeting, we’ll talk openly and make sure we’re a good fit for each other. (Download our brochure to learn more.) Next, we’ll take a deep dive into what matters most to you. What are your passions and life goals? What would you like to achieve with a financial planner at the helm?

Once we’ve explored each of these areas, we’ll integrate them into a comprehensive financial plan for you that we will regularly revisit to make sure we’re always working toward your goals.

Along the way, we communicate with you and coordinate our services with your attorneys, tax specialists, insurance and banking professionals. All of these are elements are designed to give you the peace of mind knowing that your financial life is in knowledgeable, capable and dependable hands. Learn more from our FAQ.

Please Note: The scope of any financial planning and consulting services to be provided depends upon the specific requests of the client.  Private Ocean does not serve as an attorney, accountant, or insurance agent. Private Ocean does not prepare legal documents or tax returns, nor does it sell insurance products.

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Financial Planning

Crafting your master plan

At Private Ocean, we strive for excellence in all that we do. We understand that everyone’s financial plan faces different challenges as expected and unexpected events impact your life in ways that are entirely unique to you. Our advisors are here to guide you every step of the way, through:

  • Pre-retirement and retirement planning
  • Business ownership and succession
  • Asset protection and insurance
  • Charitable giving
  • Education funding
  • Taxes
  • Stock options
  • Investments
  • Estate issues
  • Life changes due to divorce, health issues, inheritance, and more

We can help you integrate some or all of these factors into a master plan. To do it, we analyze your situation with great sensitivity. We discuss philosophy, lifestyle, your goals for your family, and we educate you, so you really understand your options.

Watch Chip Pyfer and Sarah Wotherspoon explain what planning can do for you.

Please Note: No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience the same or a certain level of results or satisfaction if Private Ocean is engaged, or continues to be engaged, to provide investment advisory services.

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Investing

A sophisticated, academic approach

We invest your assets using an academic-based discipline utilized by major institutions. Led by Frank Jones & Fred Dopfel, our investment committee chairs, we employ a degree of rigor on your behalf that is rarely available to individual investors.

We invest for you according to these fundamental principles:

  • Use thoughtful financial planning to drive investment decisions.
  • Ground investment strategy in rigorous academic research, not Wall Street trends.
  • Invest for the long term. Don’t time the market.
  • Create globally-diversified portfolios, the kind that have historically been shown to reduce risk and improve return.
  • Minimize costs, taxes and turnover everywhere possible.

Our approach has been stress-tested by major universities and institutions and validated by history. It creates a portfolio intended to maximize growth and stability and minimize risk and emotion.

Please read our important disclosure information

Looking to invest with purpose?

ESG Investing

More and more individuals have realized that their investments can affect the world around them. To accommodate this growing demand, more opportunities have been made available to investors who want to make a difference through ESG portfolios that address environmental, social and governance factors without sacrificing financial goals.

To learn more about ESG portfolios at Private Ocean, click here.

Now more than ever, how we invest can affect the world around us. We are proud to offer ESG portfolios that address your personal values without sacrificing your financial goals.

What is ESG Investing

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Meet Our
Investment Committee

Many wealth management firms rely on a single chief investment officer to oversee and recommend
investments for clients. We used to operate that way, too. But as our business has evolved, we’ve realized
the benefits to clients of developing investment decisions collaboratively, as a committee that represents a
range of critical perspectives.

Investment Committee
Investment Committee

Meet Our Investment Committee