Nathan Oeming
NW Advisory

Financial Services

My portfolio management style is rooted in long-term ownership, patience, and behavioral discipline. I firmly believe that wealth is built by owning companies, not by lending money to them. This philosophy drives my preference for equities over bonds, recognizing that equities, despite their volatility, provide the best opportunity for long-term growth and multigenerational wealth creation. I emphasize a planning-centric approach that aligns investments with the client's personal goals and values. It's not about timing the market but rather time *in* the market. I educate my clients on the importance of staying invested through market cycles and resisting the emotional impulse to react to short-term fluctuations. Behavioral coaching is paramount, as success in investing is often more about managing emotions than managing money. Diversification and rebalancing play key roles in my strategy. I create portfolios that are broadly diversified across asset classes, sectors, and geographies to minimize unnecessary risk while maximizing potential returns. Periodic rebalancing ensures that the portfolio remains aligned with the client's risk tolerance and objectives over time. For clients nearing retirement or with short-term liquidity needs, I integrate income-generating assets and ensure appropriate reserves to mitigate sequence-of-return risk. However, I consistently advocate for maintaining a growth-oriented core to hedge against inflation and preserve purchasing power. Ultimately, my portfolio management philosophy is about empowering clients to embrace the patience required to let compounding do its work. By focusing on behavior and long-term outcomes, I help clients achieve financial security that lasts for generations.

**Helping businesses plan financially** is about creating a strategic framework that not only ensures stability but also drives long-term growth and success. I take a comprehensive approach that integrates financial planning, risk management, tax efficiency, and succession planning to help business owners align their personal and professional goals. My process begins by **understanding the business model, goals, and challenges** faced by the owner. Whether the objective is expanding operations, managing cash flow, or preparing for a future exit, I tailor a financial strategy that positions the business for sustained growth. I analyze the company's financial health, identifying areas to optimize profitability, reduce tax liabilities, and strengthen liquidity. **Retirement planning for the business owner and employees** is a key component of my work. I evaluate and implement retirement plan options such as 401(k)s, SEP IRAs, and defined benefit plans, ensuring that these solutions not only meet regulatory compliance but also help attract and retain top talent. I also guide owners in balancing the need to reinvest in their business while securing their personal financial future. **Risk management and asset protection** play a crucial role as well. I identify potential vulnerabilities and recommend strategies to mitigate business risks, including appropriate insurance coverage and contingency plans. For business owners approaching succession or exit, I develop **succession plans** that protect the company's legacy while maximizing value. My ultimate goal is to empower business owners to make informed decisions, ensuring that their businesses thrive while securing their own financial future.

**Helping individuals plan financially** is about more than just numbers - it's about understanding their dreams, values, and long-term aspirations. I take a holistic, client-centered approach that goes beyond traditional financial advice, focusing on building personalized strategies that align with each individual's goals while providing the discipline and structure needed for success. My process begins by **listening carefully** to understand where the client is today and where they want to go. I explore their short-term objectives, long-term vision, and any concerns they may have about their financial future. This foundational conversation allows me to design a customized plan that addresses all areas of their financial life - from retirement planning and investment management to tax efficiency and risk protection. A critical part of my approach is **behavioral coaching.** I educate clients on the importance of staying disciplined during market fluctuations, helping them avoid emotional decisions that can derail long-term success. By reinforcing the power of patience and consistency, I empower clients to stick with their plan, even when emotions run high. I also emphasize the importance of **goal-based planning.** Whether the objective is funding education, building a retirement nest egg, or creating a lasting legacy, I break down complex financial concepts into actionable steps that are easy to follow. Regular plan reviews ensure that adjustments are made as life circumstances change. Ultimately, I guide individuals toward **financial independence and peace of mind**, giving them the confidence to focus on what truly matters in life while knowing their future is secure.

**Financial advice and consulting** is not just about offering investment recommendations - it's about guiding clients through complex financial decisions, helping them align their money with their values, and empowering them to achieve their long-term goals. I believe that effective financial consulting is built on trust, education, and a deep understanding of each clients unique circumstances. My approach begins by **listening carefully** to understand a client's goals, fears, and vision for the future. Whether the focus is retirement, legacy planning, education funding, or business succession, I craft personalized strategies that integrate all aspects of their financial life. This holistic approach ensures that every decision supports the broader plan, reducing inefficiencies and mitigating potential risks. One of the key components of my consulting philosophy is **behavioral coaching.** I educate clients on how emotions and impulsive decisions can undermine even the best-laid plans. By encouraging discipline and patience, I help clients stay the course, especially during periods of market volatility. Additionally, I emphasize the importance of **multi-generational planning.** I don't just focus on growing wealth for the individual - I help families build lasting legacies by preparing heirs, creating tax-efficient strategies, and ensuring that values and financial principles are passed down. Tax efficiency, risk management, and ongoing plan adjustments are also integral parts of my consulting process. My ultimate goal is to **empower clients with knowledge and confidence**, ensuring that they make informed decisions that protect and grow their wealth over time.

My retirement planning process is built around a comprehensive and personalized approach that prioritizes long-term security, lifestyle sustainability, and behavioral discipline. I believe retirement is not just about reaching a certain age but about achieving financial independence where work becomes optional. This requires careful planning, consistent execution, and an unwavering focus on behavior. The process begins with understanding the client's vision for retirement - their goals, lifestyle desires, and family legacy. I emphasize the importance of defining a purpose for retirement, ensuring that financial decisions align with their personal values. From there, I conduct a thorough analysis of current assets, income sources, and future liabilities to establish a baseline and identify any gaps. I employ a goal-based framework that models multiple retirement scenarios, accounting for factors such as longevity, healthcare costs, inflation, and potential market volatility. Monte Carlo simulations are used to stress-test these plans, providing a realistic assessment of the probability of success under various market conditions. A critical part of my strategy is managing sequence-of-return risk, particularly in the early years of retirement. I incorporate a bucket strategy to balance growth, income, and liquidity, ensuring that clients have a cushion during down markets while maintaining long-term growth through equities. This approach reduces the risk of drawing down assets too quickly during volatile periods. Regular plan reviews and adjustments ensure that the strategy evolves with changing circumstances. By emphasizing behavior and discipline, I guide clients to stay the course, helping them secure a dignified and fulfilling retirement.

My approach to handling 401(k) rollovers is centered on helping clients make informed, tax-efficient decisions that align with their long-term financial goals. I recognize that a 401(k) rollover is not just a transactional event - it's an opportunity to take greater control over retirement assets, improve investment flexibility, and reduce unnecessary fees. The process begins with a thorough analysis of the clients existing 401(k) plan, including investment options, expense ratios, and any potential surrender charges or benefits that may be forfeited upon rollover. I also evaluate whether a rollover is the most appropriate choice or if keeping the assets in the current plan might be advantageous, particularly if the client is nearing age 55 and may benefit from penalty-free withdrawals. When a rollover makes sense, I guide clients through a tax-free direct rollover to an Individual Retirement Account (IRA), ensuring that the process avoids any taxable events or penalties. The IRA platform offers greater investment flexibility, allowing us to build a customized, diversified portfolio that reflects the client's risk tolerance, time horizon, and retirement goals. For clients who are still working and have a 401(k) with a current employer, I explore options such as in-service rollovers, if applicable, to maintain tax efficiency while enhancing investment opportunities. I also educate clients about the importance of avoiding early distributions, which can trigger significant tax consequences. My goal is to make the rollover process seamless, ensuring that clients transition their assets efficiently while maintaining a long-term strategy that supports their retirement vision.

**Insurance planning** is key to protecting a financial plan from unforeseen events. I focus on **life, disability, and long-term care insurance**, helping clients assess coverage needs and select appropriate solutions. While I refer other forms of insurance to trusted partners, I ensure that all protection strategies align with the client's long-term goals, providing peace of mind and financial security.

**Annuities** can be a polarizing topic in financial planning, and while I don't often advocate for their use, I recognize that they can serve as a valuable tool in certain situations when properly aligned with a client's goals. My role is to help clients **evaluate annuities objectively** and determine whether they fit within their broader financial strategy. Annuities can provide **guaranteed income** in retirement, offering a hedge against longevity risk - the possibility of outliving one's assets. For clients who have a low risk tolerance or lack other reliable income streams, annuities can offer peace of mind by providing predictable, lifetime income. However, I emphasize that the trade-off often includes higher fees, reduced liquidity, and limited growth potential, which must be carefully weighed against other available options. When a client is considering an annuity, I conduct a **thorough analysis** to ensure they fully understand the terms, surrender charges, and long-term implications. I also explore alternative strategies, such as systematic withdrawals or portfolio-based income solutions, that may offer greater flexibility and growth potential. For clients who already own annuities, I help assess whether they are still serving their intended purpose. In some cases, it may make sense to **discontinue or restructure** an annuity, especially if the product is no longer aligned with the client's goals or if better options are available. Ultimately, my approach is to provide **unbiased, strategic advice** that ensures clients make informed decisions, using annuities only when they serve a clear and beneficial purpose.

**Estate planning** is essential for protecting a client's wealth and ensuring their wishes are honored. While I don't draft legal documents, I work closely with clients to **clarify their goals**, organize financial information, and coordinate with their attorney to create a plan that aligns with their vision. I help ensure assets are properly titled, beneficiary designations are updated, and tax-efficient strategies are implemented. Once the plan is in place, I continue to **review and update** it as life circumstances change, helping clients preserve their legacy for future generations.

**Tax advice and services** are a critical component of a comprehensive financial plan, and while I don't personally prepare taxes, I play an active role in ensuring my clients make tax-efficient decisions by collaborating closely with their tax professionals. My approach focuses on **proactive tax planning** that helps minimize liabilities and optimize after-tax wealth over the long term. I begin by understanding each client's financial situation, including their income sources, investments, business interests, and charitable giving goals. With this knowledge, I identify opportunities to **enhance tax efficiency** through strategies such as tax-loss harvesting, Roth conversions, and optimizing retirement account contributions. I also help clients explore strategies like Qualified Charitable Distributions (QCDs) or Donor-Advised Funds (DAFs) to align charitable giving with tax benefits. For business owners, I work with their CPAs to implement tax-advantaged retirement plans, structure income effectively, and explore entity selection strategies that can reduce overall tax burdens. I also focus on **succession and exit planning** to help minimize taxes upon the sale or transfer of a business. Throughout the year, I stay engaged with clients and their tax professionals to ensure that financial decisions are made with a **forward-looking tax perspective.** This collaboration ensures that all aspects of a client's financial life - from investments to estate planning - are coordinated to achieve maximum tax efficiency. Ultimately, my goal is to empower clients to make informed, tax-savvy decisions that protect and grow their wealth while maintaining compliance and minimizing surprises come tax season.

**Education funding and planning** is about more than just saving for college - it's about creating a strategy that aligns with a family's values, balances competing financial goals, and ensures that children or grandchildren have the resources to pursue their educational dreams. I believe that education planning should be proactive, tax-efficient, and integrated into a broader financial plan. My approach begins with understanding a family's vision for education - whether that's funding a four-year degree, contributing to graduate school, or supporting private education before college. I help clients quantify future education costs, accounting for inflation and rising tuition rates, to develop a realistic savings target. **529 plans** are often a cornerstone of education funding due to their tax advantages and flexibility. I guide clients in selecting the most appropriate 529 plan, maximizing contributions, and taking advantage of potential state tax deductions. I also educate clients about other options, such as **Coverdell ESAs, UTMA/UGMA accounts,** and even Roth IRAs for certain education expenses. For clients who want to balance education funding with retirement goals, I emphasize the importance of **prioritizing retirement savings** first. While education costs can be funded through scholarships, grants, and loans, there are no loans for retirement. I encourage families to strike a balance between supporting education and maintaining financial security. Additionally, I help clients explore **legacy planning** options, such as establishing educational trusts, to support future generations. Ultimately, my goal is to empower families to invest in education while preserving long-term financial stability.

**Investment advice and management** is not just about selecting the right stocks or chasing market returns - it's about creating a disciplined, long-term strategy that aligns with a client's values, goals, and risk tolerance. I believe that successful investment management is rooted in ownership, patience, and behavioral discipline, where staying the course often matters more than timing the market. My philosophy is centered on **owning companies, not lending money to them.** Equities provide the best opportunity for long-term wealth accumulation, despite their short-term volatility. I emphasize the importance of **staying invested through market cycles,** understanding that the power of compounding is only realized by those who remain patient and disciplined during turbulent times. I reject the notion of trying to **time the market** or chase trends, as these approaches often lead to poor outcomes. Instead, I focus on building well-diversified portfolios that balance growth potential with downside protection. Asset allocation and periodic rebalancing ensure that portfolios stay aligned with the client's long-term objectives. A critical aspect of investment management is **behavioral coaching.** I guide clients through market fluctuations, helping them avoid emotional decisions that can derail long-term plans. Fear and greed are the enemies of wealth, and my role is to provide the perspective and discipline needed to navigate uncertainty. Ultimately, I believe that investment advice should be **goal-based and client-centric,** focusing on outcomes that matter most to the individual or family. My approach empowers clients to build and protect wealth over time, giving them confidence and peace of mind.

To me, **wealth management** is far more than managing investments - it's about creating a comprehensive, values-based plan that empowers clients to achieve their life goals while securing a lasting legacy for future generations. True wealth management is a dynamic process that integrates financial planning, investment management, risk mitigation, tax efficiency, and estate planning into a cohesive strategy. At its core, wealth management is about **aligning money with purpose.** It's not just about maximizing returns but ensuring that wealth serves the client's broader vision - whether that's supporting family, giving back to the community, or maintaining a desired lifestyle. I believe that success is measured not only by financial outcomes but by how well a plan reflects the client's values and aspirations. Behavioral coaching is an essential part of wealth management. Most financial mistakes happen not because of poor strategy but because of emotional decisions made during market volatility or life transitions. I emphasize the importance of staying disciplined, helping clients avoid common pitfalls that can derail long-term plans. Additionally, I see wealth management as a **multi-generational endeavor.** It's about preparing heirs to handle wealth responsibly and ensuring that the family's values and financial principles endure. By incorporating thoughtful estate planning and open communication, I help clients pass on both financial and emotional legacies. Ultimately, wealth management is about giving clients confidence and peace of mind, knowing that their wealth is being managed with purpose, discipline, and a long-term perspective.

**Risk management** is essential for protecting a financial plan from unforeseen events. My approach focuses on identifying potential risks - including market volatility, longevity, inflation, and unexpected life events - and implementing strategies to mitigate them. **Insurance** plays a key role in safeguarding against catastrophic losses. I evaluate life, disability, long-term care, and liability coverage to ensure clients are adequately protected. For investments, I use **diversification and asset allocation** to reduce market risk, along with periodic rebalancing to maintain the desired risk profile. For retirees, I manage **sequence-of-return risk** by incorporating income buckets and cash reserves to protect against market downturns. Ultimately, my goal is to protect the plan, giving clients confidence that they are prepared for whatever life may bring.

**Money management** is the foundation of financial success, rooted in intentional decision-making, discipline, and aligning resources with personal values and long-term goals. Effective money management isn't just about budgeting and tracking expenses - it's about understanding how to allocate income in a way that balances todays needs with tomorrow's aspirations. At its core, money management involves developing a **spending plan** that prioritizes essentials, protects against risks, and fosters long-term wealth accumulation. I emphasize the importance of paying yourself first - directing a portion of income toward savings and investments before addressing discretionary expenses. This approach ensures that clients stay on track toward financial independence while maintaining the flexibility to adapt as life evolves. A critical component of money management is **managing cash flow** effectively. I encourage clients to automate savings and contributions, reducing the temptation to spend unnecessarily. By identifying and eliminating wasteful spending, clients free up capital to invest in their future. Debt management also plays a vital role. I guide clients in distinguishing between productive debt, such as a mortgage, and destructive debt, like high-interest credit cards. The goal is to minimize interest costs while strategically using leverage to build long-term wealth. Finally, successful money management requires a **behavioral framework** that promotes consistency and discipline. It's not about perfection but about making small, intentional choices that compound over time. By mastering the basics of money management, clients gain control over their financial lives, allowing them to pursue their dreams with confidence and security.