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Services

We offer personalized, hands-on service.

Our firm specializes in helping individuals develop sound financial plans and strategies and businesses develop robust employee benefits. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate planning, and preserving wealth.

Many of the questions we're asked center around life events, though we can step in at any time to assist you with your goals. A few of the strategies we advise on frequently are:

Financial Organization

The foundation to financial planning is a strong understanding of our cash flow - what money comes in and what money goes out. We will work as a partner with you to create a spending and saving strategy, pay down debt in the most efficient way for your circumstance, and optimize the use of any surplus you may have to meet your goals.

Investment Management

Planning for your investments starts with an assessment of your objectives and goals, a perspective on “risk” vs “return”, and your time horizon. Besides a focus on how your investments are allocated across various areas of the market, we also evaluate the expenses and taxation of each account which can influence your long-term success and results. Ultimately when it comes to investment management, our services will help you grow and protect what you've accumulated.

Retirement Planning

We all have the goal of retirement, but each of our visions looks a little bit different. We take the time to understand the retirement life you want to live and evaluate where you currently are in relation to where you want to be. We can then provide guidance to optimize the path in getting there. If you’re approaching or already in retirement, turning your nest egg into income you can live on becomes a major focus. We can help take out some of the guesswork and provide a sense of confidence.

Risk Management

Financial Planners take risks into account, especially since life rarely goes exactly as we expect. Some of those bumps in the road can negatively impact our financial future if the proper protections aren’t in place. We’ll work with you to review your insurance portfolio, identify ways to improve coverages and cost and determine if any other strategies would be beneficial within the scope of your unique situation.

College Savings Strategies

With rising costs of education, a priority for many is putting away money to ease or eliminate the future burden on their children after graduation. The challenge is that meeting any new financial goal demands a sacrifice in another financial area. We work with you to strike the right balance in consideration of your other objectives and walk through the various options available to you.

Estate Planning

Protecting your assets, leaving a legacy, and making sure your family is taken care of after you’re gone captures the spirit of a strong estate plan. Once we understand your values and goals, we can work with and leverage internal and external resources to evaluate strategies that are right for you.

Major Purchase Decisions

Some spending decisions are bigger than others. We can work with you to assess the impact of those choices on the other areas of your finances and understand the various options and tools you may have to fund or pay for those purchases.

Employee Benefits and Retirement Plans

Attracting, retaining, and rewarding talented employees has never been more important and there are many tools at your disposal that can aid in these key areas. We start by understanding your business, needs and workforce, and then work with you to craft benefit and retirement packages that are custom to your objectives.

Oceanstate Financial Services does not provide legal or tax advice or services. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.

Learn about Our Personal & Corporate Financial Services