Our Services
Individuals & Families
Financial Planning & Wealth Management Services
Michael Aschberger provides comprehensive financial planning services designed to help individuals, families, and business owners make informed financial decisions across every stage of life. Services are delivered through a structured, goal-based planning process that integrates investment management, risk management, retirement planning, estate considerations, and business planning strategies.
Investment Analysis & Portfolio Strategy
Investment analysis focuses on aligning financial resources with clearly defined objectives while managing risk and return expectations.
Services include:
- Evaluating capital requirements, contribution strategies, and expected rates of return needed to meet financial goals
- Building and maintaining appropriate cash reserves for liquidity and emergencies
- Reviewing investment alternatives, including advantages, disadvantages, and risk characteristics
- Designing asset allocation strategies intended to balance risk and return across asset classes
Investment decisions are evaluated in the context of time horizon, risk tolerance, income needs, and overall financial plan.
Risk Management Planning
Risk management planning addresses financial exposures that may arise from illness, disability, or premature death.
Services include:
- Reviewing existing insurance coverage to identify gaps, redundancies, or inefficiencies
- Evaluating strategies to help protect income, assets, and dependents
- Coordinating insurance planning with overall financial and retirement goals
Risk management planning is designed to support financial stability during unexpected life events.
Retirement Planning
Retirement planning focuses on both the accumulation and distribution phases of retirement.
Services include:
- Evaluating lump-sum distribution options from employer retirement plans
- Projecting early, full, or delayed retirement scenarios
- Developing income-generation strategies designed to support retirement lifestyle goals
- Identifying opportunities to improve tax efficiency during retirement
Planning considers Social Security timing, retirement account distributions, and long-term sustainability of income.
Neither Osaic Wealth, Inc., nor its representatives, offer tax or legal advice. Clients should consult their tax and legal advisors regarding individual circumstances.
Estate Planning Strategies
Estate planning strategies are coordinated with financial planning to help preserve wealth and support legacy goals.
Services include:
- Planning approaches designed to help protect privacy
- Strategies intended to preserve family wealth across generations
- Coordinating charitable giving objectives with broader financial goals
Estate planning services focus on planning coordination and do not include legal document preparation.
Investment Products
Investment recommendations are selected based on suitability, objectives, and overall planning considerations. Available investment products may include:
- Money market instruments
- Treasury bills, notes, and bonds
- Stocks and corporate bonds (taxable and tax-free)
- Real estate investment trusts (REITs)
- Annuities (fixed and variable)
- Individual retirement accounts (IRAs) and SEP IRAs
- 529 college savings plans
Investment products are evaluated as components of a broader financial strategy rather than in isolation.
Insurance Products
Insurance solutions may be used to address income protection, estate planning, or business planning needs.
Available products may include:
- Individual and group life insurance (term, universal, fixed, and variable)
- Disability income insurance
- Private pension solutions
- Key person insurance
- Medicare supplemental insurance
Insurance planning is coordinated with investment, retirement, and estate planning objectives.