Your entire financial life matters, not just your stocks and bonds portfolio.

Opes Advisors is redefining how wealth is managed for the sake of effectively preparing for retirement. Opes’ founders saw an enormous gap in the market – clients were left to piecemeal together various advisory services that left them open to missing something and making potentially damaging financial decisions.

Most of the wealth management industry equates liquid investment returns with retirement preparation, without taking into account your personal and investment real estate, and without having a clear plan for structuring your personal balance sheet over time so that you can optimize having sufficient income when needed in your retirement.

Opes is organized in a very different way than how most of the wealth management industry is organized. We put together a team of experts that can address all of your financial concerns, not just stock and bond investments or real estate, in the way that most firms are structured to handle one or the other, but not both.

Our approach to wealth management encompasses your complete personal balance sheet including your liquid investments, your primary and investment real estate, and the major liabilities you have in life like your mortgages. We’ve developed this comprehensive and unique approach to wealth management because we saw that people were making mistakes with their real estate which often had significant impact on their ability to effectively prepare for retirement, in the manner they had planned for and thought they were prepared.

Our expertise and process ensures that you have a plan that can be easily updated for any change in your life, with an eye on a long-term horizon so that you will have sufficient capital at work for you to generate sufficient income when you no longer need to work.

We use the results of this personal balance sheet planning to then inform the specific strategies and tactics we use for your stock, bond, and real estate investments. For your stock and bond investments, we create diversified portfolios using a blend of active and passive money managers , paying close attention to limit the risk we are taking in order to align with your personal risk tolerance and long-term return needs. For your real estate investments, we advise on existing properties you own, including how your personal residence and any investment properties fit into your retirement choices and lifestyle.

Our team of experts coordinate their thinking and advice to take care of your overall situation so that you don’t have to manage these disparate and frequently conflicting tradeoffs yourself. By creating a Personal Balance Sheet for you through time, we accustom you to time-horizon thinking. Your personal balance sheet is a complete picture of your financial life that we can adjust over time and optimize as needed to help you prepare for, and live, a financially satisfying retirement.