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Step by step, your personal
vision comes into sharp focus

Your Journey

We take everything personally.

Your assets aren’t just numbers, they 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.

No matter what life throws your way, 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.

Whether your dream is to downsize to a condo and sail around the world, or to finally make your vacation home a full-time home, 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. That next phase may include purchases, sales, travel, but it may also include children’s weddings, grandchildren’s education, and many other events and opportunities that require financial preparation and a sound spending strategy.

Download our Guide to Happiness to learn more.

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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.

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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.

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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.

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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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Financial Planning

Designing your master plan

Everyone’s financial plan faces different challenges, as expected and unexpected events impact your situation in ways that are entirely unique to you. Our advisors are here to address any number of factors important to you, including:

  • Retirement
  • Stock Options
  • Business succession
  • Taxes
  • Charitable giving
  • Asset protection and insurance
  • Children's education
  • Investments
  • Estate issues

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 employed by major institutions. Led by Frank & Fred, 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.

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.

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