Planning Process

Oppenheimer has a disciplined process to help you identify your unique needs and to design a plan based on those needs. Your Oppenheimer Financial Advisor works side-by-side win you through the process to build and implement a long-term plan appropriate for you.

Assess and Gather Information: We begin to develop your plan through an understanding of your financial situation, objectives, risk tolerance and other circumstances.


Analyze and Recommend: We examine your specific requirements and objectives to determine what particular services and investments are suitable for you. Do you have retirement planning needs, income funding needs or estate planning concerns? Do you need guidance with more complex planning issues, such as executive compensation concerns or business succession considerations?


Implement: We will guide you in applying the strategies in your plan by offering you access to the extensive resources available through Oppenheimer. As your single point of contact your Oppenheimer Financial Advisor will help you identify the combination of services and investments that best meet your specific needs.


Monitor and Review: Over time, we will monitor your plan, regularly reviewing your investment objectives and adjusting your portfolio as necessary. You will have access to your Oppenheimer Financial Advisor and other investment professionals to answer questions and keep you up-to-date on any changes that might affect your plan.  

The Planning Process is ongoing and dynamic. A plan will furnish a guideline for making financial decisions today recognizing that adjustments may be required in the future as your personal circumstances change. Due to continual changes in the financial world, and your own world, ongoing communication with us is an essential component of the process.


At Oppenheimer & Co. Inc. we as committed to helping clients accumulate and preserve their wealth.

Oppenheimer & Co. Inc. ("Oppenheimer") offers comprehensive financial planning services through its Planning Group. Comprehensive financial planning is an investment advisory service governed by the Investment Advisers Act of 1940. The advisory service terminates when we deliver the financial plan to you. You may choose to implement some of the goals of a financial plan through your Oppenheimer Financial Advisor. This implementation may be accomplished by executing securities or financial transactions, participating in an advisory program or some combination thereof. In executing transactions, Oppenheimer will act as broker-dealer, not an investment adviser. Your Financial Advisor is compensated for executing brokerage transactions. If you choose to implement some of the goals of a financial plan by participating in an advisory program sponsored by Oppenheimer or one of its advisory affiliates, Oppenheimer or its advisory affiliates would be acting as an investment adviser for you. Your Financial Advisor receives a portion of the fees payable to Oppenheimer in such programs.

There are important differences between brokerage and advisory services including the rights and obligations of the parties and the laws and rules under which they are regulated. Among other obligations, broker-dealers execute transactions on your instructions and are required to deal fairly with you and make recommendations that are suitable based on your risk tolerance, financial needs and objectives. Investment advisers are required to act solely in your best interest, provide specific disclosures to you and act in accordance with the standards of a fiduciary under applicable law. You need to understand these differences.