Taxes are not a single line item — they touch every dimension of your financial life. The investment decisions you make, the way your estate is structured, how your business is owned, when you take income, and how you give to charity all carry tax consequences that compound over time. A well-designed financial plan treats tax strategy not as an afterthought, but as a lens through which every financial decision is evaluated.

Through our affiliation with London Oxford Tax Services, we integrate professional tax planning directly into your wealth management strategy. This means your advisor and your tax professional are working from the same playbook — coordinating across investments, retirement accounts, estate planning, business interests, and income to minimize your overall tax burden and keep more of what you earn.

Includes: Income tax planning · Tax return preparation · Investment tax optimization · Roth conversion strategy · Charitable giving strategies · Estate & gift tax planning · Business tax planning · Multi-year tax projections.

Your portfolio should be as unique as your financial life. We design and manage customized investment strategies built around your goals, risk profile, tax circumstances, liquidity needs, and long-term objectives.

Our multi-custodian platform provides access to the full universe of investment solutions, allowing us to construct portfolios using the most appropriate vehicles, managers, and strategies for each client. From customized model portfolios and direct indexing to sophisticated tax-overlay and tax-loss harvesting strategies, every portfolio is engineered with a focus on after-tax outcomes and long-term wealth creation.

Leveraging institutional research, disciplined portfolio construction, and advanced technology, we continuously monitor and refine your investment strategy to help ensure it remains aligned with both changing markets and your evolving financial plan.

Includes: Asset allocation • Customized model portfolios • Direct indexing • Manager selection • Tax-loss harvesting • Tax-overlay strategies • Alternative investments • After-tax optimization

Whether you're decades from retirement or approaching it now, we build detailed, dynamic retirement strategies that account for longevity, healthcare costs, inflation, income sources, and the lifestyle you've worked for.

Includes: Retirement income planning · IRA & 401(k) strategies · Social Security optimization · RMDs · Roth conversion analysis

Your estate plan should reflect your values, protect your family, and minimize unnecessary tax burden. We work alongside estate attorneys to ensure your wealth transfers efficiently and in alignment with your wishes.

Includes: Estate plan review · Trust strategies · Beneficiary planning · Charitable giving · Family governance · Generational wealth transfer

Tax strategy is not an afterthought at OHCPWM — it's integrated into every aspect of your financial plan. We work proactively with your tax advisor to identify opportunities and manage your overall tax burden across investment, estate, and income planning.

Includes: Tax-loss harvesting · Asset location · Capital gains management · Roth conversion timing · Charitable tax strategies

Building wealth means protecting it. We conduct a comprehensive review of your insurance coverage — life, disability, liability, long-term care — and coordinate with specialists to ensure your financial plan is fully protected against the unexpected.

Includes: Life insurance analysis · Disability coverage · Long-term care planning · Liability review · Annuity analysis

Giving with intention is one of the most powerful expressions of a well-constructed financial plan. Whether you are motivated by philanthropic values, a desire to reduce your tax burden, or both, a thoughtful charitable and gift planning strategy can meaningfully amplify the impact of your generosity while benefiting your overall financial picture.

We work with you to design giving strategies that align with your values and integrate seamlessly with your estate, tax, and investment plans — ensuring that every dollar you give goes as far as possible and in the direction you intend.

Includes: Donor-advised funds (DAFs) · Charitable remainder trusts (CRTs) · Charitable lead trusts (CLTs) · Qualified charitable distributions (QCDs) · Annual gift tax exclusion planning · 529 superfunding strategies · Family foundation guidance · Appreciated asset gifting · Charitable giving tax optimization

The cost of education is one of the most significant financial commitments families face — and one of the most important to plan for early. Whether you are saving for a child's college education, funding graduate school, or supporting a grandchild's future, a well-structured education plan ensures you can meet those goals without sacrificing your own financial security.

We help families choose the right savings vehicles, optimize contribution strategies, and integrate education funding with the broader financial plan — factoring in tax efficiency, financial aid considerations, and the flexibility to adapt as circumstances change.

Includes: 529 college savings plans · Coverdell Education Savings Accounts · UGMA/UTMA custodial accounts · Financial aid impact analysis · Education funding projections · Multi-generational education funding · Private K–12 planning · Student loan planning & repayment strategies

Professional athletes and sports industry professionals face a financial landscape unlike almost anyone else — large, concentrated income arriving early in life, short earning windows, significant tax exposure, complex contract structures, and the constant challenge of making that wealth last a lifetime and beyond.

Oxford Harriman's Sports Wealth Management practice is built specifically for this world. We work with professional athletes, coaches, sports agents, team executives, and sports business entrepreneurs to build comprehensive financial plans that protect their earnings, maximize their after-tax wealth, and create the long-term financial security their careers demand.

Includes: Contract year income tax planning · Multi-state & international tax strategies · Career earnings protection & longevity planning · Deferred compensation structuring · Investment management for concentrated, short-duration income · Endorsement & NIL deal financial planning · Insurance & disability protection · Estate & legacy planning · Post-career transition planning · Financial education & literacy programs