Our disciplines
Our distinct financial advisory disciplines
OnGen's expertise is structured into connected capabilities to deliver strategic, unified financial architecture across your entire asset ecosystem
Personal Financial Planning
Coordinating planning, investments, taxes, and risk into one clear, adaptable strategy
Personal Financial Planning
Coordinating planning, investments, taxes, and risk into one clear, adaptable strategy
As lives, families, and responsibilities evolve, financial decisions become more connected, and more meaningful. We help families make sense of that complexity by coordinating planning, investments, taxes, and risk into one clear, adaptable strategy.
Key decisions addressed
- Sudden Wealth
- Job Offers
- Retirement Timing
- Tax Now or Later
- Debt Management
What we cover
- Household net worth & cash flow analysis
- Insurance & protection gap review
- Education funding strategies
- Employee benefits & equity review
- Cash-reserve & liquidity planning
- Ongoing plan monitoring & adjustments
- Goal setting & funding plan
- Income management
Business Advisory
Structure and alignment for business owners who have outgrown siloed advice
Business Advisory
Structure and alignment for business owners who have outgrown siloed advice
Connected Wealth is designed for business owners who have outgrown siloed advice. As complexity increases, disconnected decisions around tax, capital, compensation, risk, and ownership create unintended consequences. This framework brings structure and alignment to those moving parts, so the business can grow intentionally, not reactively.
Key decisions addressed
- Family vs. Outside Successor
- Exit Timing & Liquidity Options
- Financing Options
- Buy-Sell Triggers & Terms
- Ownership Transfer Structure
- Value of key employees
What we cover
- Advisor & expert team coordination
- Succession timeline & readiness assessment
- Key person risk & insurance review
- Owner & leadership alignment sessions
- Capital raise & financing strategy support
- Ownership transfer document coordination
- Risk & complexity management
- Buy-sell agreement drafting support
Estate & Legacy Advisory
Intentional plans that reflect your values and support long-term stewardship
Estate & Legacy Advisory
Intentional plans that reflect your values and support long-term stewardship
Legacy is not a single document or event. It is an ongoing process of aligning people, decisions, and capital across generations. We help families design intentional plans that reflect their values, support long-term stewardship, and evolve over time.
Key decisions addressed
- Control vs. Ownership
- Legacy & Charity
- Insurance & Trust Types
- Insurance Funding
- Advanced Gifting
- Estate Equalization
What we cover
- Estate tax projection
- Values-centered conversations
- Next Gen & Successor Education
- Coordinating entities
- Preparing heirs for stewardship
- Ownership clarity
- Multi-generational clarity
Investment Management
Disciplined, risk-aligned portfolio construction built around your long-term goals
Investment Management
Disciplined, risk-aligned portfolio construction built around your long-term goals
We take a disciplined, risk-aligned approach to portfolio construction, built around your long-term goals, not market noise. We also review how insurance and annuity products fit within that same portfolio, so protection and growth work together rather than in separate silos.
Key decisions addressed
- Liability Matching
- Line of Credit
- Capital Gains Budgeting
- Income vs. Growth
- Timeline
- Liquidity
What we cover
- Personalized asset allocation
- Concentrated equity management
- Cash & short-term liquidity strategy
- Manager & fund due diligence
- Insurance & annuity product review
- Alternative investment access, e.g. 1031 exchanges, hedge funds, opportunity zone funds
- Risk-aligned portfolio construction
- Ongoing monitoring & rebalancing
Get in touch
Let's start with a conversation about where you are today.
The right advisory partner makes the difference between a plan on paper and a plan that actually happens. Reach out and we'll set up time to talk through your situation.