Oxford Harriman & Company
Investment Planning Strategies
You don't need to face life’s twists and turns alone.
At Oxford Harriman & Company, we recognize that every client’s financial situation is unique.
Wealth Management Goes Far Beyond Your Investment Portfolio
Our comprehensive approach to investment planning helps you organize all facets of your wealth so you can focus on what matters most.
We consider the many interconnected aspects of your life – whether you are new to investing, preparing for retirement, starting a family, dealing with an inheritance, or any other major life event – and help clarify how these pieces fit together.
While the combined details of your personal, business, and financial life can seem overwhelming, we work to identify and simplify the interrelationships in order to prioritize decisions and bring you comfort in a complex financial world.
With a disciplined plan to follow and an experienced team by your side, you can move forward confidently toward your unique goals.
Our Core Beliefs
We have four core beliefs that are incorporated into the planning process from the very first discussion:
Belief One
1. We believe that wealth is built over time, and our most successful clients stay focused on a clear vision of their financial goals.
Belief Two
We believe that building an income stream to cover your basic living expenses sets the foundation for financial confidence, enabling you to remain calm during turbulent times.
Belief Three
We believe that by being fully present and listening to your needs, wants, and wishes, we can create a plan that allows you to share your unique gifts, graces, and talents with the world.
Belief Four
We believe that strategic planning is the cornerstone of our client relationships, serving as the basis for sound financial decisions.
These core beliefs shape every step of our investment planning process and help ensure that your plan truly centers on you – your values, your priorities, and your vision for the future.
The eMoney® Planning Platform
Our advisors utilize the eMoney® investment planning platform – a full-service, interactive tool that provides comprehensive analyses and client-friendly reports.
By planning your investments around benchmarks and life events that hold real meaning for you, our eMoney-powered process connects you to your investment strategy in a refreshing, revealing, and personal way.
Even better, it keeps you continuously apprised of that most critical financial question: “How am I doing?” The eMoney platform delivers the technology needed for your family and our team to discuss your life expectations, choose an appropriate investment strategy, track your progress, and easily re-sync (or rethink) your approach whenever necessary.
In short, eMoney creates an effective, easy-to-understand way for you to prioritize and achieve your important life goals while staying engaged in the planning process.
The eMoney platform is robust and versatile enough to serve a broad range of client needs. It offers both a Foundational Planning mode and an Advanced Planning mode, allowing us to tailor our approach to the complexity of your situation.
Foundational Planning Mode
Foundational Planning provides a streamlined, interactive, and engaging experience focused on your core goals.
It follows a straightforward, guided workflow from data gathering to plan output – a process that is easy to learn, repeat, and adjust as life changes.
Advanced Planning Mode
Advanced Planning Mode
In cases that require deeper analysis, Advanced Planning delivers a more in-depth experience by combining interactive cash flow modeling with robust estate planning capabilities. This comprehensive approach allows us to simulate multiple scenarios, incorporate detailed estate planning information, and adapt your plan as your needs evolve.
In either case, eMoney’s analytical engine covers all the essential areas – cash flow, retirement projections, insurance analysis, estate considerations, and Monte Carlo simulations of market variability – to test your plan against real-world conditions.
IMPORTANT: The projections and other information generated by the eMoney platform regarding the likelihood of various investment outcomes are hypothetical in nature. They do not reflect actual investment results and are not guarantees of future results. Your results will vary over time with each use of the tool. These estimates are intended to help guide your planning and decision-making, not to predict exact portfolio performance.
Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.
The Planning Process
Our investment planning process is a collaborative journey. We start by understanding where you are and what you want to achieve, then develop and implement a tailored strategy, and review it as your life evolves. Below is an outline of our planning process:
Step One: Understanding Your Goals
Our process begins with a personal interview to understand you – the goals that are most important to you, your current financial picture, and any other pertinent information needed to build your plan.
We often collaborate with your other professional advisors (such as legal or tax advisors) to help ensure we have a complete view of your circumstances. During this stage, our team works diligently on your behalf to identify solutions that help preserve your assets while also positioning them for future growth to fund your goals.
We conduct a thorough review of your current investments, estate plan, and other strategies in place, so that our recommendations can be truly holistic and aligned with your needs.
Step Two:Reviewing Your Goals
To make sure we share a clear vision of your objectives, we use the eMoney platform to evaluate how various market conditions and life events might impact your plan’s success. We prepare and present our recommendations in an easy-to-understand report, aiming to ensure that the proposed strategy reflects your priorities, your life stage, and the current market dynamics.
This step is also an educational opportunity: we walk you through how your lifestyle choices, values, and attitudes about money are connected to your financial outcomes. We’ll highlight any areas of weakness in your plan and explore solutions to address them (for example, adjusting spending, changing investment allocations, or obtaining insurance), making sure you understand the potential costs and benefits of each approach.
By the end of this phase, you’ll have a realistic picture of what it will take to achieve your goals and confidence that the strategy proposed is grounded in careful analysis.
Step Three:Implementing Your Plan
Once we have agreed on a recommended path forward, we move to implementation.
Based on your goals, concerns, risk tolerance, and overall financial circumstances, we will propose an investment mix and comprehensive plan designed to help you achieve those goals.
With your approval, we put the plan into action – executing the investment and planning recommendations we’ve developed for your unique needs.
Our team handles the details of transitioning and rebalancing your portfolio as needed, coordinating account changes, and executing strategies in alignment with your plan.
Throughout this process, we maintain close communication so you always know what’s being done and why. Feel free to ask questions at any step – this is your plan, and we want you to be completely comfortable with how it’s carried out.
Step Four:
Reviewing Progress and Adjusting Over Time
An effective plan is not a “set it and forget it” document – it’s a living strategy. We review your progress toward the goals and objectives you’ve set, and we stay in touch to keep you informed.
Rather than comparing your portfolio against a generic index like the S&P 500, we use personalized benchmarks tied to your plan. For example, eMoney’s tools allow us to measure the probability of success for each of your goals (and for your plan overall) at any given time. This gives you a clear, quantifiable answer to how you’re doing relative to your goals, so you don’t have to wonder.
In addition, through Wells Fargo’s LifeSync® client portal and mobile app integration, you can chart your progress whenever you like – think of it as your own personal financial dashboard. We’ll review these indicators with you in our regular meetings, helping you interpret the results and understand if you’re in your “target zone” for success or if adjustments are needed.
Equally important, our process offers the flexibility to adapt as life unfolds. We know that circumstances and priorities can change – whether due to market swings or personal life events – so we’ve built adaptability into the planning process. If something changes in your life or the economic environment, we can quickly update your plan in eMoney and resync your strategy to the new reality, often with just a few clicks.
This real-time scenario capability allows us to immediately see the impact of changes (like a new goal, a large expense, or a shift in income) on your overall plan. We can then discuss any course corrections and put them into action. Over time, we will help you revisit and revise your plan as needed to keep it aligned with your evolving life.
In short, we don’t just create a plan and walk away – we partner with you for the long run, continually monitoring and adjusting to help you stay on track.
Client Benefits
Our personalized, technology-enabled planning approach is designed to benefit you in many ways:
Clarity and Confidence
By tying your investments to your personal goals and tracking progress with clear metrics, you gain a confident understanding of where you stand. At any moment, you can see whether you are on track to meet your goals (both individual goals and your overall plan) through the platform’s intuitive success measures.
This clarity helps answer the question “Am I on the right path?” so you can make decisions with greater confidence.
Holistic View of Finances
All aspects of your financial life are integrated into one view. eMoney aggregates information from your various accounts (including external accounts) to provide a complete net-worth picture in real time. This means you can conveniently see where all your money is, how it’s allocated, and how changes in one area might affect the others, all in one secure portal.
Personal Benchmarking
Instead of comparing your performance to broad market indexes, we measure success against your own goals. The use of personal benchmarks (like your goal funding status and probability of success) gives you a more meaningful assessment of progress. You’ll always know if you’re within your target range or if adjustments are needed, without getting distracted by irrelevant external benchmarks.
Interactive “What-If” Planning
The planning tools we use are highly interactive, which keeps you engaged in the process. Together with your advisor, you can test out ideas and what-if scenarios in real time.
Wondering how retiring two years earlier, purchasing a vacation home, or increasing your savings might impact your future? We can model those changes instantly in eMoney and show you the projected outcomes, using dynamic assumptions and asset allocation adjustments.
This interactive capability helps you make informed choices and see the potential trade-offs before you commit to major decisions.
Flexibility to Adapt to Life Events
Life is never static, and your plan needs to adjust as your life changes. Our planning process is built to be flexible and responsive.
For example, if you encounter an unexpected event or change – such as increased medical costs, marriage or divorce, helping a child through college, caring for an elderly parent, starting a new career, or receiving an inheritance – we can quickly update your plan to assess the impact.
Because we can run multiple scenarios, you’ll see how different choices in these situations could affect your goals. This flexibility gives you comfort that your plan remains realistic and relevant, no matter what life throws your way.
Collaborative Relationship & Experienced Advice
When you work with Oxford Harriman, you’re not just getting software – you’re gaining a financial partner.
Our advisors are by your side to provide insight, answer questions, and guide you through each decision. Behind the scenes, we also have access to a broad network of subject-matter experts (including investment analysts, estate planning attorneys, tax specialists, and more) to consult on complex issues as needed. This means that all facets of your financial life are considered in the plan.
The result is a truly comprehensive strategy that simplifies your financial life and gives you confidence that no detail has been overlooked.
In the end, our investment planning process is about empowering you to live the life you envision. It’s your plan – built around your priorities – with our team’s professional guidance and cutting-edge tools to support it.
Contact us today to schedule a meeting and see how our eMoney-based planning approach can bring new clarity to your life goals and enhance your confidence in achieving them. We look forward to helping you chart a course toward your financial future, one informed decision at a time.
