Olhoeft Financial

At Olhoeft Financial, LLC, we are a fee-only comprehensive wealth management firm that offers objective and personalized financial planning, income tax planning/preparation, and portfolio management services. We are a Registered Investment Advisor (RIA) in the State of California. Our firm provides a broad range of services in a variety of interrelated financial areas, including investment planning, estate planning, income tax planning and preparation, retirement planning, plan level consultant services for 401(k), 403(b), and 457 plans, and philanthropic planning services such as donor advised funds and private foundations. We also offer budgeting and cash flow planning, as well as risk management and insurance planning.

Our Approach

Our investment approach is based on the philosophy that financial markets work. We believe that security prices incorporate all publicly available information, and that the probability of identifying a superior active manager is very low. We also believe that diversification is key, and that risk and return are related. Therefore, our approach is to build a balanced portfolio using core and asset class funds in collaboration with Dimensional Fund Advisors (DFA). We design portfolios to help our investors capture what the market offers in all its dimensions. We see markets as an ally, not an adversary. Rather than trying to take advantage of the ways markets are mistaken, we take advantage of the ways markets are right - the ways they compensate investors.

Our strategies to capture the capital market rate of return include US equities, core and asset class strategies; non-US equities, multifactor investing; fixed income, reducing volatility; and global strategies, offering globally diversified portfolios. We also offer separate accounts, customized tax-managed accounts, and daily prices and distributions.

Our Role

Our role is not just to manage investments, but to give our clients what we call a successful investment experience. That means more than just getting clients to their goals. It means that we help minimize or even eliminate the stress they feel about the investment process. We believe that wealth is not generated by moving money from stock to stock, sector to sector, or market to market. Wealth is created by millions of entrepreneurs, executives, managers, laborers, and other workers who build companies, run companies, and together help make the economy grow. Therefore, our role is to ensure our clients benefit fully from that wealth creation. The only truly effective way to do that is to deploy their capital throughout the public equity markets in a broadly diversified manner designed to deliver the capital market rate of return.

Philanthropic Services

At Olhoeft Financial, LLC, we believe that giving back to the community is an essential part of our business. We offer philanthropic planning services, including donor advised funds and private foundations. We also provide guidance on tax-deductible contributions and estate planning for philanthropic goals. Our philanthropic services are designed to help our clients achieve their charitable goals while minimizing taxes and ensuring compliance with relevant laws and regulations.

News Briefs

At Olhoeft Financial, LLC, we believe that staying informed is essential. We provide regular updates on changes in tax laws, investment strategies, and philanthropic planning. Our news briefs section offers a summary of recent developments and insights from financial experts, economists, and industry leaders.