In critical moments of choice, we either strengthen or damage our financial ability to support our lifestyle now and into the future. Good planning helps us make the right choices.

Opes Advisors' Financial Decision Planning approach is event-driven decision making that reconciles the tradeoffs between your current lifestyle and your retirement objectives. Through our process, you are able to make better decisions because you have a clear understanding of how each decision impacts your current and future financial life.

In Financial Decision Planning, we bring together all aspects of your financial life – your stocks and bonds, your real estate holdings, real estate financing and your retirement plan – and we show you different outcomes for different decisions, so you have the ability to anticipate the effect different decisions will have on your financial future.

While other investment advisors don’t usually consider your real estate, and mortgage banks don’t consider your stock and bond investments, Opes Advisors puts it all under one roof with a team of experts to give you the most complete advice possible. 

“FDP” Moments

You may need advice on how to best handle your stock options, or you may be buying or selling a house, either your primary home or a real estate investment. Maybe your company is going public and you’ll realize a large gain. Maybe your small business has weathered a stormy recession and is starting to grow rapidly.  Or maybe you have a child going off to college, or a parent moving into assisted living. We call these Financial Decision Planning moments, or FDP Moments.

These decisions usually occur independently of one another, yet over the span of a lifetime, they can have a big impact on the ability to effectively prepare for your retirement. Will you be able to retire happily? Or will you instead be forced to make difficult choices to sell a house, move somewhere you had not planned to move to, or have to further delay your retirement? In order to make effective financial decisions, we must analyze the impact each decision will have on our life today as well as on our retirement – before we make the decision.