Oberdorfer Financial
Planning • Investing • 401(k)s
Personal Wealth x Business Wealth
Investment strategies, portfolios with objectives, financial action plans, specialty advice, plus 401(k)s for owners — all tightly integrated to put your money on a mission.
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We’re currently accepting new Clients for 2026.
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Trusted financial advice and services
Tap into the same credibility that has brought the Money on a Mission approach to top financial organizations.
Serving mission-focused people
Planning • Investing • 401(k)s
READY TO INVEST FOR YOUR FUTURE, REDUCE YOUR TAXES, AND MITIGATE RISK?
We professionally manage your assets for you.
Classic strategies; Direct Indexing strategies; Alts, Real Estate, Crypto & Complex 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. Portfolios with Objectives.
0.75% – 1.5% AUM.
Wealth, taxes, and risk
on-mission, optimized, and managed.
What you get with Investment Management
✓ 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.
✓ Get a free Portfolio Checkup for one held-away portfolio per year. Great for held-away 401(k)s.
*Investment Management Clients with $1m+ AUM with Oberdorfer Financial receive a 0.25% reduction of AUM fee (e.g. 1% becomes 0.75%).
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
READY TO COMPREHENSIVELY COMMAND & CONTROL YOUR FINANCES?
Financial plans are for planners.
You need Financial Action Plans.
Owners, military veterans, and professionals, you’re in the arena every day. And we’ve been there and done that too, so we know what it takes. Our Financial Action Plans condense hundreds of pages of behind-the-scenes planning into checklist-style, one-page plans updated and delivered quarterly at our meetings.
Personal Wealth
$1500/year and up.
Plus free investment management.
Business Wealth
$1000/year and up.
An add-on financial planning service.
Flat-fee financial planning that’s highly aligned with your mission.
What you get with Financial Planning
✓ 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 with Financial Action Plan delivery, quarterly financial topics, and updates.
✓ Investment management is included for free (“0% AUM”).
✓ 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.
*Financial planning is a flat fee. Fees are based on complexity. There is no fee to manage your investments when you are a financial planning Client. For example, a $500,000 portfolio at 1% AUM would cost you $5,000 per year, but it’s included free with your Financial Planning.
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. Business Wealth is an add-on to Personal Wealth and is tightly integrated into your financial plan and service calendar.
Q1, January – March
Personal Wealth
1. Insurance review & planning
2. Tax strategy & planning
3. Investment review & planning
4. Personal Action Plan with Next Steps
Business Wealth
5. Business Action Plan with Next Steps
Q2, April – June
Personal Wealth
1. Financial Fitness progress & planning
2. Cashflow & Debt planning
3. Personal Action Plan with Next Steps
Business Wealth
4. ID and Capture business value
5. Business Action Plan with Next Steps
Q3, July – September
Personal Wealth
1. Investment review & planning
2. Alts & Real Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
4. Launch, growth, and exit planning
5. Business Action Plan with Next Steps
Q4, October – December
Personal Wealth
1. Charitable Giving planning
2. Estate review & planning
3. Personal Action Plan with Next Steps
Business Wealth
4. Valuation assessment
5. Business succession planning
6. Business Action Plan with Next Steps
DID YOU KNOW ADDING A 401(K) TO YOUR BUSINESS CAN BE EASY?
Solo 401(k) Plans.
Group 401(k) Plans.
With 401(k)s for Owners, we help coordinate initial setup, ongoing administration, and we professionally manage your assets. Reduce taxes, recruit and retain better talent.
Flat fee + 0.4-0.5% AUM.
Invest up to $72,000 per year,
protected from taxes.
What you get as a 401(k) Client
✓ 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.
DIY-ERS, we deliver peace of mind for you too.
One-time portfolio checkups.
One-time financial plans.
Live with confidence knowing your portfolio and plan has been professionally reviewed for continuity, suitability, and missed opportunities.
$500 each.
Choose one or both.
Like having a fractional CFO and Chief Investment Officer on-hand.
READY FOR SPECIALIZED ADVICE, NOT SALESY PRODUCTS?
Business advice.
Real estate advice.
Investment advice.
Financial planning advice.
We get certified, licensed, and qualified so we can give you specific advice on specialty topics, so you can make well-informed important decisions. And then we don’t try to sell those products to you.
Included for Clients.
No sales. No commissions.
Just knowledge and fiduciary advice.
how DO we define “next gen advisors” and why ARE WE built different?
Next Step → About Us
Important details about how our advisory is built different — from our Next Gen Advisors approach to price transparency and price lock to investing alongside our Clients.
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