What We Do

We specialize in providing holistic financial advice that is tailored to each client. Our areas of expertise include but are not limited to the following:

    • Optimization of investment return given level of risk taken

    • Custom investment plan with appropriately diversified portfolio

    • Dynamic portfolio positioning and rebalancing

    • Coordination and consolidation of investment accounts

    • Fundamental investment analysis

    • If desired, environmentally and socially responsible investing

    • Tax-efficient strategies for contributions to and withdrawals from investment accounts

    • Prior year tax return review

    • Review of current year taxable events and recommendation of tax optimization strategies

    • Harvesting capital gains and capital losses

    • Charitable gifting strategies

    • Coordination with your CPA or tax preparer

    • Retirement cash flow projections

    • Retirement income and Required Minimum Distribution (RMD) planning

    • Social Security and Medicare planning

    • Pension benefit analysis

    • Stock options and executive compensation

    • Sensitivity analysis and “what-if” scenario planning

    • Reducing and/or avoiding estate tax and gift tax

    • Reviewing and/or updating estate planning documents and beneficiary designations

    • Wealth transfer strategies and intergenerational financial planning

    • Living and testamentary gifting

    • Coordination with your estate planning attorney

    • Cash flow analysis and savings strategies

    • Goal creation, tracking, and likelihood of success analysis

    • Behavioral finance coaching

    • Major expense planning

    • Education planning

    • Debt analysis and repayment strategy

    • Workplace benefits review

    • Insurance (life, disability, long-term care, property, casualty, etc.) needs analysis

    • Insurance gap analysis

    • Annuity analysis

    • Coordination with your insurance agent(s)

Tiers of Service

Onyx Wealth Management has 4 tiers of service, all of which begin with a complimentary introductory call. In this call, we will learn about one another and determine the best way to move forward.

Financial Wellness Review

  • The Financial Wellness Review is a one-time service. This tier includes a basic review of your financial life and quick tips to make the most of your situation. This can also be an exploratory conversation if you are looking to enhance your understanding of personal finance.

  • $250

    1. Introductory Call

    2. Financial Wellness Review

Comprehensive Financial Plan

  • The Comprehensive Financial Plan is a one-time service. This tier includes an in-depth evaluation of all aspects of your financial life and assesses opportunities for improvement. In addition to an analysis of your current trajectory, you will receive clear and actionable steps to alleviate financial concerns and reach your goals.

  • Plan Levels

    Level 1: $1,750

    Level 2: $2,500

    Level 3: $4,000

    We will determine your financial plan level in our introductory call. Your plan level will be based on the depth of analysis you request and the degree of complexity.

    1. Introductory Call

    2. Data Gathering Meeting

    3. Presentation Meeting

Ongoing Financial Planning

  • Ongoing Financial Planning is an ongoing service and works in tandem with the Comprehensive Financial Plan. With Ongoing Financial Planning, we will regularly review and update all facets of your financial plan. As your circumstances change and your life continues to evolve, this tier of service will put you in the best position to not only remain on track to reach your goals but also do so in an efficient manner.

  • $750 per quarter

    *Above $500,000 of assets managed by Onyx, ongoing financial planning is complimentary.

    1. Introductory Call

    2. Data Gathering Meeting

    3. Presentation Meeting

    4. Monitoring Meetings

Investment Management

  • Investment Management is an ongoing service. With your input, Onyx will create a custom investment plan to reach your goals and will proactively manage your portfolio given your unique needs, circumstances, and risk tolerance. We will meet at least once annually to discuss investment performance and how Onyx is dynamically positioning your portfolio to take advantage of the changing securities markets and economic conditions.

  • The annual fee will be based on the asset management fee schedule below.

    *Above $500,000 of assets managed by Onyx, ongoing financial planning is complimentary.

    1. Introductory Call

    2. Data Gathering Meeting

    3. Presentation Meeting

    4. Monitoring Meetings

Asset Management Fee Schedule

*The annual fee rate applies to your total portfolio under Onyx management.

Example: If Onyx is managing $2mm of your assets, the entire $2mm will have a fee of 0.85% instead of the first $999,999 having a fee of 1.00% and the remainder having a fee of 0.85%.

**Fees will be billed quarterly and debited directly from your investment account(s).