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Cincinnati • Denver

 

The Partnering Process℠

Laying out a clear process for serving our clients yields tremendous benefits. We call our approach The Partnering Process℠ because it reflects the long-term partnership approach we take when working with you. We created The Partnering Process℠ to help us collaborate with you better and to assist you in achieving your financial goals.

The Partnering Process℠ follows a systematic approach to delivering personalized financial planning and investment advice to you. It consists of three phases: Planning, Implementation and Review.

Initial plan development and ongoing consultative financial advice as described in the Planning Phase and Review Phase are provided under our convenient monthly Partnering Agreement.  Customized portfolio management as described in the Implementation Phase is provided under a separate Investment Advisory Agreement.  For a complete description of our services and fees, click here.

Before entering into a formal engagement, we will arrange a free "get acquainted" meeting with you, giving you the opportunity to determine if our services are a good fit for your needs.  If you like what you hear we will schedule Meeting #1 with you and begin the Planning Phase.

Planning Phase

All client engagements begin with the Planning Phase.  This phase generally takes one to three weeks depending on your availability, and requires just a couple of hours of your time.  The Planning Phase culminates with the delivery of The Financial Wellcheck℠, a proprietary tool that provides you with a roadmap to follow in achieving your financial goals. We present The Financial Wellcheck℠ to you at the end of the initial Planning Phase.



Steps in the Planning Phase of the Partnering Process℠

Step

Who

Your Time 

Meeting #1 - Kickoff Meeting & Formalize Relationship

  • Kickoff meeting (in person or remote)
  • Sign Partnering Agreement

Client and Oxford

1/2 hour

Data Gathering

Client

2 hours

Plan Development

  • Goals analyzed, recommendations developed

Oxford

None

Meeting #2 - The Financial Wellcheck℠ Presentation


Client and Oxford

 1 hour

Implementation Phase

The Implementation Phase begins immediately after delivery of The Financial Wellcheck℠.  At this stage most clients choose to engage us for ongoing portfolio management to better align their investments with their financial goals.  New accounts can be established and funded quickly, while existing accounts are generally transferred within 1-2 weeks.  You may choose to retain us to implement the recommendations and review and report on your progress over time, or you are free to implement the recommendations on your own.

Oxford will not accept Investment Advisory Agreement clients who have not first completed the Planning Phase of our Partnering Process.

Steps in the Implementation Phase of the Partnering Process℠

Step

Who

Your Time

Meeting #3 - Portfolio Implementation

  • Design portfolio to support the goals established in your Financial WellcheckSM 
  • Sign Investment Advisory Agreement

Client and Oxford

1 hour

Account Setup

  • Open accounts
  • Establish bank links and funding plan
  • Monitor transfers

Oxford

None

Review Phase

We conduct annual reviews with you on a planned basis. At each annual review we will provide a written update on how you are doing against your goals, and will determine if adjustments are needed to your portfolio.  Throughout the year you may consult our Resource Center for helpful financial tips, or contact one of our advisors for professional guidance.

Clients utilizing our investment advisory services receive monthly position statements and quarterly performance reports on their accounts.

Finally, your total financial picture is available online through the Personal Financial Portal℠, 24 hours a day, 7 days a week, 365 days a year.

Steps in the Review Phase of the Partnering Process℠

Step

Who

Your Time

Interim Review

  • Check progress toward goals
  • Review account statements and performance reports 

Client and Oxford

As needed

Annual Review

  • Revisit goals
  • Update progress via The Financial Wellcheck℠
  • Review investment policy statement, adjust portfolio as needed 

Client and Oxford

1 hour/year