QUESTIONS WORTH ASKING

What’s on your mind financially?

We provide advise and services that put your Money on a Mission.

OUR PHILOSOPHY

Better decisions.
Better trajectories.

Our financial planning, investment management, and 401(k)s follow established best practices.

The difference is how those best practices are organized, implemented, and transformed into Financial Actions alongside a trusted and aligned financial teammate—quarter after quarter—to help your financial picture, decision-making, and overall trajectory.

Check out our flagship Flat Fee 360 financial bundle, and our unbundled financial services.

HIGHLY ALIGNED FINANCIAL ADVICE & SERVICES

Everything.
Working together.

$12,000/year.

Your fee schedule is never raised.
10% off for military, police, and firefighters.

Limited slots remaining at this price.

Your financial life shouldn’t be full of gaps that can increase risk and taxes, miss opportunities, and leave you wondering whether you’re making great financial decisions.

Flat Fee 360 is our deepest relationship, and best value. It coordinates the moving pieces of your financial life and business life into one ongoing relationship designed to help you continuously improve your financial trajectory, in manageable and guided steps.

What Flat Fee 360 Clients get ⤵︎

Investment Management Unlimited, at 0% AUM

Rather than paying separately for financial planning and investment management, your investment portfolio becomes part of one coordinated relationship.

We professionally manage your investments, monitor risk, optimize taxes, and make portfolio adjustments as needed—all without an additional advisory fee.

What’s included with our Investment Management service?

✓ We professionally manage your stocks, bonds, funds, HYSAs, and Alts.

✓ Portfolios for your feeling about risk: Very Cautious, Cautious, Moderate, Aggressive, and Very Aggressive.

✓ Portfolios with special objectives: Value, Growth, Dividends, Thematic, Pre/Retirement.

✓ Asset suitability, allocation, path, sector, risk, and concentration analysis.

✓ Held-away asset analysis, such as real estate, crypto, insurance, and pensions.

Asset types we support:

• Traditional assets
• Alternative assets
• Real estate funds
• Crypto funds

Account types we support:

• Roth IRAs
• Rollover IRAs
• Traditional IRAs
• Back-door IRAs
• Retirement Trust
• Beneficiary IRAs
• Beneficiary Roth IRAs
• High yield cash accounts
• Joint brokerage accounts
• Trust brokerage accounts
• Individual brokerage accounts

Accounts for children we support:

• UTMAs
• UGMAs
• Minor IRAs
• Minor Roth IRAs

Business investment accounts we support:

• SEP IRAs
• SIMPLE IRAs
• Solo 401(k)s
• Roth Solo 401(k)s
• Partnership accounts
• Sole Proprietorship accounts
• LLC, C Corp, S Corp accounts
• Non Profit Organization accounts

Included beneficial services:

• Tax-loss harvesting
• TSP to IRA rollovers
• 401(k) to IRA rollovers
• In-Plan Roth conversions
• IRA to Roth IRA conversions
• TSP to Roth IRA conversions
• Back-door Roth conversions
• Mega backdoor Roth conversions
• SIMPLE to Roth IRA conversions
• 401(k) to Roth IRA conversions
• SEP to Roth IRA conversions
• 529 to Roth IRA transfers

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Personal Wealth Planning

Financial planning for all the major aspects of your personal financial life, including your goals and financial purpose, net worth and cashflow, financial readiness, investments, held-away assets, real estate, taxes, risk management, insurance, debt, retirement and financial independence, estate planning, education planning, and stock compensation.

You’re supported by an annual Financial Plan and quarterly workshops and Financial Action Plans designed to keep your finances organized, your decisions intentional, and your money on mission.

What’s included with our Personal Wealth Planning service?

✓ A personalized, comprehensive, massive financial plan that uses priorities and goals, gives every dollar a mission, gets updated annually, and is sure to bore your socks off.

✓ A Financial Action Plan with Next Steps for you to complete like a checklist, delivered quarterly!

✓ Quarterly meetings so you can keep your finances on-mission.

✓ Tax strategy and planning, including 3 years of past tax review to check for potential missed opportunities.

✓ Insurance review and planning.

✓ Free real estate advice and planning.

✓ Balance sheet and cashflow planning.

✓ Equity, savings, cash burn, debt, liquidity, qualified investments, and FI advice and planning.

✓ Stock comp, education, student loans, 529s, and debt advice and planning.

✓ Estate planning, including Will, POA, Health Care Proxy, Beneficiary, and Living Trust planning.

✓ Retirement / Financial Independence (including stress testing, future cashflows, Social Security, and Medicare) advice and planning.

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Business Wealth Planning

Business planning to help coordinate the major aspects of your business’s financial life, including cashflow, budgeting, capital planning, liquidity, owner compensation, tax planning, risk management, business continuity, key person planning, debt, business real estate.

Growth strategy, enterprise value, exit readiness, succession planning, and significant business decisions are included too.

Our quarterly workshops together end with Business Action Plans to help keep your business organized, resilient, and aligned with your long-term personal and business objectives.

What’s included with our Business Wealth Planning service?

✓ Quarterly Workshops with Business Action Plans delivery.

The Quarterly Workshops and Business Action Plans are specific to the Client’s business objectives and circumstances. Business Wealth Planning typically includes:

• Insurance planning
• Business financial planning
• Business risk management
• Cybersecurity risk strategy
• Business continuity planning
• Cashflow allocation planning
• Business real estate strategy
• Buy-sell agreement planning
• Liquidity and reserve planning
• Financial performance analysis
• Business tax strategy and planning
• Debt and capital structure planning
• Owner compensation and distribution strategy
• Business value and enterprise value driver discussions
• Key person strategy and planning
• Capital investments and analysis
• Value enhancement strategies
• Growth strategy and planning
• Succession planning
• Exit readiness
• Decision-support regarding significant business, financing, investment, and capital allocation decisions

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401(k)s for Owners

We help business owners design, implement, and manage Solo 401(k)s and Group Plan that support both their business and personal financial goals. We help coordinate plan selection, initial setup and administration, ongoing investment management, fiduciary oversight, participant education, and collaboration with TPAs, custodians, and other professionals.

You may surprised to learn that owners may be able to contribute up to the annual IRS maximums while potentially reducing their tax bill by $10,000, $20,000, or more, depending on their situation. Rather than permanently losing those dollars to taxes, they’re redirected into investments that remain part of your long-term wealth-building strategy. It can also help you recruit and retain top talent.

What’s included with our 401(k)s for Owners service?

✓ Plan Design Strategy

• Solo 401(k), PEP, or standalone plan recommendation
• Safe Harbor vs traditional plan design
• Profit sharing structure
• Contribution optimization for owners
• Eligibility, vesting, and match design

✓ Tax Strategy Integration

• Maximize deductible contributions
• Coordinate with business income and compensation
• Evaluate advanced strategies (e.g., profit sharing, future cash balance plans)
• Align your retirement plan with your broader tax strategy

✓ Fiduciary Oversight

• Investment Policy Statement (IPS) creation
• Ongoing investment monitoring
• Fund replacement and lineup optimization
• Fee benchmarking and documentation

✓ Investment Management

• Professionally constructed investment lineup
• Model portfolios for participants
• Target date and core fund evaluation
• Ongoing performance oversight

✓ Vendor Coordination

• Work directly with your TPA, recordkeeper, and payroll provider
• Help ensure smooth implementation and ongoing operations
• Act as your point of contact — so you don’t have to manage multiple vendors

✓ Participant Education

• Employee enrollment guidance
• Retirement education support
• Investment education and plan understanding

✓ Annual Plan Review

• Participation and contribution analysis
• Cost benchmarking
• Plan design improvements as your business evolves

✓ Business Owner Integration

• Align your 401(k) with your Personal Wealth plan
• Coordinate with your Business Wealth strategy
• Integrate with real estate, liquidity, and long-term planning
• Support your path to Financial Independence

✓ Plan Evolution as You Grow

• Transition from Solo to group plans
• Add Safe Harbor or profit sharing
• Evaluate advanced strategies as income increases
• Adapt the plan as your business scales

How We Work

The platform administers the plan.
We make sure it works for you.

Our role is to:

• Design the strategy
• Oversee the investments
• Coordinate the moving pieces
• Integrate everything into your broader financial plan

Who This Is For

Business owners who want:

• A tax-efficient way to build wealth
• A retirement plan that actually benefits them
• A long-term partner — not just a provider

The Bottom Line

A 401(k) shouldn’t just exist.
It should work as a strategic asset in your financial life.

That’s what we deliver.

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Real Estate Strategy & Planning

Whether you’re evaluating your primary residence, an investment property, a vacation home, business real estate, a potential renovation, or a future 1031 exchange, every real estate decision is a financial decision that can influence your cashflow, taxes, liquidity, risk, retirement, and long-term financial trajectory.

As part of Flat Fee 360, we help clients evaluate how real estate fits within their broader financial strategy. Our guidance may include cashflow analysis, renovation and improvement analysis, sale analysis, 1031 exchange analysis, Real Estate Portfolio Reviews, and portfolio-fit analysis to help determine how real estate supports your overall investment strategy, Financial Independence goals, and long-term objectives.

What’s included with our Real Estate Strategy & Planning service?

✓ Cashflow Analysis

Understand how a property contributes to your overall financial plan by evaluating income, expenses, financing, taxes, and projected cashflow. We’ll help determine whether the property supports your long-term financial objectives.

✓ Improvement Analysis

Evaluate whether renovations or capital improvements are likely to enhance cashflow, property value, marketability, or long-term return on investment. The goal is to help prioritize improvements that create meaningful financial value.

✓ Sale Analysis

Before selling, we’ll help evaluate the financial implications of the decision, including taxes, projected proceeds, reinvestment opportunities, and how a sale may affect your broader financial plan and long-term goals.

✓ 1031 Exchange Analysis

Determine whether a Section 1031 Exchange may be an appropriate strategy to defer capital gains taxes while repositioning your real estate portfolio. We’ll help evaluate how an exchange aligns with your overall investment and financial objectives.

✓ Real Estate Portfolio Dashboard

Receive a consolidated view of your investment real estate portfolio, including property values, equity, cashflow, debt, estimated returns, concentration, and overall portfolio performance. Designed to help you manage your real estate with the same discipline as your investment portfolio.

✓ Portfolio-Fit Analysis

Real estate is one asset class within your overall wealth strategy. We’ll evaluate how your real estate holdings complement your investments, liquidity, business interests, and long-term goals to help maintain an appropriate balance across your entire portfolio.

Service calendar and details

See how we help you get organized, set goals and priorities, and take action in a meaningful way

PROTECT → BUILD → GROW → HARVEST

Your service calendar

After onboarding, we move into your service calendar — designed to keep every dollar on a mission and at a tempo you can actually sustain.

Business Wealth Planning. Business Wealth Planning is built in conjunction with Personal Wealth and is tightly integrated into your financial plan and service calendar.

Protect.
Q1, January – March

Personal Wealth
1. Insurance review & planning
2. Tax strategy & planning
3. Investment review & planning
4. Financial Action Plan with Next Steps

Business Wealth
5. Risk & protection planning
6. 401(k) plan review
7. Business Action Plan with Next Steps

Build.
Q2, April – June

Personal Wealth
1. Financial Fitness progress & planning
2. Cashflow, Liquidity & Debt planning
3. Financial Action Plan with Next Steps

Business Wealth
4. ID and Capture business value
5. Financials progress & planning
5. Business Action Plan with Next Steps

Grow.
Q3, July – September

Personal Wealth
1. Investment review & planning
2. Alts & Real Estate review & planning
3. Financial Action Plan with Next Steps

Business Wealth
4. Launch, growth, and exit planning
5. Growth and capital planning
6. 401(k) investment review
7. Business Action Plan with Next Steps

Harvest.
Q4, October – December

Personal Wealth
1. Charitable Giving planning
2. Estate review & planning
3. Financial Action Plan with Next Steps

Business Wealth
4. Valuation assessment
5. Business succession planning
6. Business Action Plan with Next Steps

WHAT’S ON YOUR MIND FINANCIALLY?

Schedule a call

Every relationship starts with a conversation.

We’ll learn about where you are today, where you’re trying to go, and whether we’re the right fit for each other.

No pressure. No homework. Just a 10 minute conversation.

Select a date and time that works for you.

What happens next?
Schedule a call ↦ Discovery Workshop ↦ You decide, when you’re ready.

OTHER WAYS TO WORK TOGETHER

Focused Engagements.
One-Time Engagements.

While Flat Fee 360 is our flagship relationship, some clients begin with a more focused engagement. These services are designed to solve a specific need while giving you an opportunity to experience how we work.

You may select one or more of these services

1. Investment Management
2. 401(k)s for Owners
3. One-Time Financial Plans
4. One-Time Portfolios Checkups
5. Financial Consultations

Focused Engagements.

These are our ongoing engagements that are stand-alone/unbundled and target one aspect of your financial picture.

1. Investment Management

We professionally manage your assets for you.

Portfolios with Objectives.
Classic strategies. Direct Indexing strategies. Alts, Real Estate, and Crypto strategies. Portfolios for your feelings about risk. Portfolios to ID and mitigate taxes and risk.

We design and manage them, so you don’t have to. All intentionally designed with taxes, risk, and your goals in mind.

1.0% AUM.
No hidden fees.
Clients with $1M+ in AUM pay 0.75%.

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2. 401(k)s for Owners

Invest up to $72,000 per year, and save $10,000-$20,000+ in taxes depending on your circumstances.

Solo 401(k) Plans.
Group 401(k) Plans.

With 401(k)s for Owners, we help coordinate initial setup and plan design, ongoing administration, and we professionally manage your assets. Reduce taxes, invest in your financial future, recruit and retain better talent.

Flat fee + 0.5% AUM.

One-time Engagements.

These are one-time services designed to help you in a meaningful way. One-time Clients are welcome to join as ongoing Clients for Flat Fee 360 Clients if they enjoy their experience.

1. Financial Consultations

Great for an important financial decisions

A one-time fiduciary consultation designed to help you make an informed financial decision and identify opportunities to strengthen your overall financial strategy.

Personal Should I retire this year? Should I roll over my 401(k)? Should I pay off my mortgage? Which investment account should I use? Should I buy this rental property? Should I refinance? Am I saving enough?

Investments Should I use direct indexing? Should I sell this stock? Should I convert to Roth? Does this portfolio make sense?

Business Should I establish a Solo 401(k)? How much should I pay myself? Should I buy or lease a building? How much cash should the business keep? Should I finance this equipment? Is this acquisition worth pursuing?

$100-$500/consultation
Depending on complexity.

2. One-time Financial Plans

Is your Money on a Mission?

One-time financial plans are a repeatable service that include identifying current financial profile, identifying goals, and building a financial plan document that helps you better understand your current financial profile.

It includes important items to address right away, detailed descriptions of important financial planning considerations, such as, but not limited to, tax strategy and planning, retirement strategy and planning, investment strategy and planning, insurance considerations, estate considerations and planning, debt strategy and planning, real estate considerations and planning, charitable giving, and cybersecurity measures.

$500-$2500.
Based upon complexity.

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3. One-time portfolio checkups.

Great for DIY investors

Portfolio Checkups are a one-time repeatable service that include the investment advice necessary to improve alignment between a Client’s  established Investor Profile (key factors such as net worth, goals, time horizon, and feelings about risk) and their actual portfolio.

Through this service, Oberdorfer Financial identifies any misalignment between their investor profile and their portfolio, then recommends portfolio adjustments and specific portfolio holdings and weights to buy, sell, or trim, if realignment with their investor profile is needed. This service is offered on an hourly basis as a one-time review.

$500/portfolio.
Great for 401(k)s.
Great for IRAs and Roth IRAs.

how DO we define “next gen advisors” and why ARE WE built different?

Ready to schedule a call?

Use the calendar below to pick a date and time that’s convenient for you.