Personal Financial Planning
True financial planning goes beyond numbers; it’s about designing a life you love with the resources you have and the goals you aspire to reach. We help you bring all the pieces of your financial life together into one cohesive, strategic plan that grows and adapts as your life evolves.
Whether you’re planning for retirement, navigating a major life change, or simply trying to gain better control over your finances, we provide clarity and structure so you can make confident, informed decisions. Through a collaborative, ongoing process, we ensure your plan remains dynamic, reflecting new opportunities, challenges, and ambitions as they come.
How We Can Help
Create comprehensive, goal-based financial plans
Align short-term decisions with long-term objectives
Model “what-if” scenarios for retirement, major purchases, and life events
Provide ongoing reviews to keep your plan current and relevant
Let’s turn your financial goals into an actionable, achievable plan designed for real life.
Asset Management
In an unpredictable market, disciplined asset management is essential. At Obel Financial Advisors, we take a data-driven yet human approach to managing your investments. We start with a deep understanding of your risk tolerance, time horizon, and financial goals, then craft a portfolio designed to perform over the long term.
We don’t chase trends or short-term wins. Instead, we focus on consistent, sustainable growth through diversification, active monitoring, and strategic rebalancing. As markets shift and your goals evolve, we stay by your side, making the necessary adjustments to keep your investments aligned with your vision for the future.
How We Can Help
Tailor investment portfolios to your unique objectives
Continuously monitor and adjust your portfolio as markets shift
Prioritize diversification, risk management, and tax efficiency
Leverage institutional research and disciplined analysis to guide decisions
Let’s make your money work smarter, not harder, with a personalized investment strategy that aligns with your goals.
Wealth Protection & Transfer
Preserving and transferring wealth requires more than just good intentions. It demands foresight, precision, and coordination. We work closely with clients to design estate planning and wealth transfer strategies that ensure their legacy remains intact and impactful. Every family’s circumstances are unique, which is why our approach balances legal, financial, and emotional considerations to protect what matters most.
Our process includes proactive estate tax planning and efficient transfer strategies that minimize unnecessary loss to taxes or fees. By integrating your financial plan with your broader legacy goals, we help ensure that the wealth you’ve built continues to support the people and causes you care about for generations.
How We Can Help
Develop estate tax strategies to reduce future tax liabilities
Coordinate with attorneys and CPAs for seamless estate planning
Create personalized wealth transfer plans aligned with your family’s goals
Review and update existing estate plans to reflect life changes
Protect your legacy. Let’s build a plan that ensures your wealth goes exactly where you want it to.
Life, Property & Casualty Insurance
Life is unpredictable, but with the right protection, your financial future doesn’t have to be. We believe that insurance is more than a safety net; it’s a cornerstone of financial stability. Our team helps you evaluate potential risks and prepare for life’s uncertainties with smart, customized coverage.
From life insurance to property and casualty protection, we guide you through every step, identifying your needs, comparing options, and ensuring that your coverage evolves alongside your circumstances. Our goal is simple: to help you safeguard what matters most, so you can focus on what matters next.
How We Can Help
Determine the right type and amount of life insurance coverage
Compare term, universal, indexed, and variable life policies
Review and secure home, auto, and business insurance coverage
Partner with trusted carriers to match you with the best fit for your needs
Safeguard what matters most, and let’s make sure you and your loved ones are protected from life’s uncertainties.
Business Planning
For business owners, financial planning is about more than revenue; it’s about resilience. We understand that your business is a reflection of your hard work, values, and long-term vision. That’s why we provide tailored strategies to help you protect, grow, and eventually transition your business on your terms.
From continuity planning to employee benefits and succession strategies, we focus on ensuring your business’s financial health supports your personal financial future. Our goal is to help you make informed decisions today that strengthen both your company and your personal wealth tomorrow.
How We Can Help
Develop succession and business continuity plans
Establish buy-sell agreements and key person insurance
Design competitive employee benefit and retirement plans
Align your business strategy with your personal financial goals
Let’s ensure your business works just as hard for your future as you’ve worked for it.
Annuities
Not everyone of us is equally prepared for retirement. While some of us are fortunate to have built a nest egg that will last us through our Golden Years, others will depend on government programs for retirement income. Regardless of which side of this divide you are on, Annuities can be a powerful vehicle to help you fund your retirement dreams.
Whether it is to deliver guaranteed income to you and your loved ones in retirement, to protect your principle while also providing income, or to provide death benefits to your beneficiaries upon your passing, there are annuity products to meet every conceivable need.
Why Annuities Are Important
The short answer: Diversification. Peace of Mind. Flexibility!
Many retirees and soon-to-be retirees are concerned over the safety of their investments in mutual funds, ETFs and stocks. The gyration in the stock market is often hard to stomach for seniors entering their Golden Years. With the help of a well-chosen Annuity, one can add a layer of diversification to your retirement portfolio.
Then, there’s peace of mind. Annuities are structured as investment vehicles that are insulated from the fate of stock market behaviour. The nature of Annuities means you’ll never need to worry about when/how long you’ll need to wait before you recoup losses from the next stock market crash! Your Annuity investments are sheltered from such risks.
And of course, for the soon-to-be retiree who is concerned that he/she has missed the proverbial retirement savings boat, Annuities offer good news! Because there’s no limit to how much you can contribute in Annuities, on an after-tax basis, you’ll have flexibility in how much you save, and will never have to worry whether it’s too late to play the “catch up” game.
What We Can Do for You
If used strategically, Annuities can be an extremely powerful retirement income planning vehicle. Here are some of the ways that our Annuity experts can help you:
- Use annuities as a retirement planning option: Our team of specialists will work with you to review your entire existing portfolio to determine whether Annuities are right for you. In some cases, an overexposure to other fixed-income products, like Bonds and Dividend-paying stocks, could still leave your retirement income exposed. We’ll help you decide if Annuities are the right retirement planning option for you.
- Make cost-effective Annuity choices: Not all Annuities are created alike. While they may generally be a great choice for generating fixed-income in retirement, the cost associated with producing such income could sometimes be high. Our Annuity specialists are familiar with the entire Annuity landscape, and can help identify the most cost-advantaged Annuity investments for you.
- Receive tax-advantaged income: We help clients manage their tax liability through prudent product selection. Some annuities, like tax-deferred variable products, enable investors to receive tax-deferred income now – by not including such income to determine your current tax liability. Subsequently in retirement, when you might be in a lower tax bracket, your annuity-dependent income will not be a source of significant taxes.
- Build flexibility into your retirement planning objectives: We do this by choosing annuity products that can easily be switched between investment portfolios without the risk of triggering associated taxes. So, if your investment objectives change during the investment horizon, you can effortlessly switch to a different annuity to support your new objectives, without fear of being saddled with a huge tax liability.
Contact us today to learn more about annuities.
*There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.
*Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. The prospectus contains this and other information about the variable annuity.Contact the issuing firm or your registered representative to obtain a prospectus, which should be read carefully before investing or sending money.
College Education Planning
Education opens doors, and planning for it early ensures those doors stay open. We help families prepare for education expenses with smart strategies that balance affordability, tax efficiency, and long-term growth.
Our approach looks beyond saving for college; we integrate education planning into your broader financial picture. From selecting the right savings vehicles to managing distributions and tax advantages, we make sure your education goals complement your family’s future financial success.
How We Can Help
Estimate future education expenses and funding needs
Explore 529 plans and other tax-advantaged savings options
Integrate education savings into your overall financial plan
Help balance college planning with retirement and other goals
