Ocean Crest Financial

Our Process

A Purpose in Mind Approach

Once we meet and have crystal clear clarity on the results you are seeking, the planning begins. This allows us to build a tailored plan designed specifically for you.

Whether you’re a pre-retiree, currently in retirement, or just starting out, we will begin with “A-Purpose-In-Mind” approach. Think of it like this, an engineer can’t start designing a building without knowing what the end result of the project is supposed to look like; a surgeon can’t go into surgery without knowing what the outcome of the surgery is supposed to be. This same results-oriented approach also applies to the areas of helping you manage your personal finances, your estate planning, tax planning and retirement income planning.

For example, if you asked a normal everyday pre-retiree on the street why they are saving money most would answer “for retirement”. However, if you then said, “that’s great, can you tell me how much annual income you’ll get from your efforts today when you retire?” Hardly anyone would have a good answer. The problem is they are saving the money without understanding how retirement income really works economically, and the importance of how they allocate their savings in pre-retirement. As part of our process we provide pre-retirees the opportunity to understand exactly how retirement income works; plus, discuss how the future of taxation will affect their financial well-being and make that the basis for the efficient allocation of their savings for retirement.

Starting with “a-purpose-in-mind” approach is imperative, and most people haven’t had the opportunity because the retirement planning industry is focused on selling products instead of analyzing process. The advisory community is not looking at the optimal result and then reverse engineering the “how” to get there. Because the industry has worked with a lack of client results in mind, this has led to new and progressive legislation demanding advisors live up to their fiduciary duty – a promise we’ve always made and lived up to in our practice.

Perhaps the best news of all is simply it’s rarely ever too late to improve your financial position. Retirees have the same opportunity to achieve more by re-examining their long-term purpose and analyzing the efficiency of their current plans to achieve optimal retirement income.

Our tailored solutions will help you manage risk, taxation and meet your income desires. Plans we offer will help you achieve:

  • Retirement Income Maximization using the actuarial science and tax benefits of SMART for those in retirement and those approaching retirement.
  • Our unique ”pennies on the taxable dollar” Roth IRA conversion strategy – why pay dollars when you can get tax-free money in the future with pennies on the dollar.
  • Potential for a reduced amount of money owed to the IRS in retirement.
  • Tax Arbitrage which could save you money and increase your retirement income.
  • Protect you from Wall Street’s use of Average Rates of Return and help you see the truth because what you are shown is typically never what you get!
  • A risk management plan to combat the economic fallout from the 3 dates that changed the face and future of the American Retirement System Forever.
  • Protect you and your family from the Banker’s best math trick and how to stop it from costing you wealth and significant loss of value to your retirement assets.
  • Implement the Warren Buffett actuarial strategy and potentially make profits by “floating” short term income flows with long term assets and liabilities.
  • Fiduciary Protection for business owners with 401K plans.
  • Protecting IRA and 401K assets from long term care costs.




Years of experience have prepared us to guide you through your life transitions.

Cash Flow Management

We create strategies that are tailored to your needs and goals.

A Holistic Approach

We help you protect your lifetime ability to generate income, maintain employment, grow earnings and build your net worth. 

Find Your Perfect Fit