For affluent individuals, families, and endowments seeking comprehensive, high-touch wealth stewardship. Your dedicated CERTIFIED FINANCIAL PLANNER™ professional leads a specialist team across investment management, tax optimization, estate strategy, retirement income, insurance, and multi-generational legacy planning — all held to the strictest fiduciary standard.
From tactical investment management to strategic estate architecture to intergenerational transfer planning — Oxnard Wealth Management delivers an integrated, single-point-of-contact model that aligns every account, every policy, and every entity behind one long-term financial architecture.
Custom separately managed accounts (SMAs), direct index portfolios, liquid alternatives, hedge fund allocations, and private market access — all engineered to your risk tolerance and liquidity profile.
A living, breathing comprehensive financial plan covering Monte Carlo retirement simulations, Social Security claiming optimization, pension election analysis, and annual RMD coordination.
Year-round proactive tax planning: Roth conversions, charitable remainder trusts, donor-advised funds, tax-efficient gifting, and multi-jurisdictional state residency analysis.
Coordinate with your estate attorney and CPA to structure revocable living trusts, irrevocable life insurance trusts, GRATs, dynasty trusts, and a formal multi-generational family governance charter.
Every client relationship is anchored by a senior CFP® professional who knows you by name, knows your family by name, and takes complete fiduciary ownership of every recommendation. They are supported by credentialed specialists in tax, insurance, estate, alternatives, and lending.
Our Investment Policy Committee — led by a CFA charterholder with 20+ years managing institutional assets — oversees every client portfolio. We construct separately managed accounts with individual security ownership, direct tax-loss harvesting at the lot level, factor tilts where appropriate, and tactical underweight/overweight bands around a long-term strategic allocation.
We produce a 60–120 page written financial plan, stress-tested across 1,000 Monte Carlo simulations incorporating varying returns, inflation regimes, health care costs, tax policy changes, and market shocks. The plan is updated annually or at any life event and becomes the explicit blueprint for every account-level action.
Our tax strategy team — staffed with licensed CPAs — works shoulder-to-shoulder with your existing tax preparer or delivers fully outsourced planning. Every investment decision is modeled for its tax consequence first. We coordinate Roth conversion ladders, donor-advised funds, charitable gift annuities, and multi-year state residency transitions well before December 31.
For clients with estates at or approaching the federal and state exemption thresholds, we design — in conjunction with your chosen estate planning attorney — trust architectures and lifetime gifting strategies that minimize transfer taxes, protect assets from creditors, and provide a formal governance framework for future generations.
We are compensated solely by our published assets-under-management fee. Zero commissions, zero 12b-1 fees, zero revenue-sharing, zero product placement. You pay for advice. We deliver advice — as fiduciaries, unconflicted.
| Service Tier |
Affluent
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High Net Worth
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Ultra-HNW
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Foundation/Endow
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| Minimum Assets Under Management | CHF 100,000 | CHF 1,000,000 | CHF 10,000,000 | CHF 3,000,000 |
| Annual AUM Advisory Fee | 0.70% on first CHF 1M | 0.50% on first CHF 5M | 0.40% on first CHF 25M | 0.35% flat |
| Advisory Fee on Next Tier | 0.50% thereafter | 0.35% above CHF 5M | 0.25% above CHF 25M | — |
| Lead Advisor Credential | CFP® Professional | CFP® + 15 yr. minimum | CFP® + CFA® — Sr. Dir. | CFP® + CAIA — Team |
| Comprehensive Financial Plan | ✓ Delivered Year 1 | ✓ Delivered + Annual Update | ✓ Biannual Plan Review | ✓ Custom IPS + Spending Rule |
| Quarterly Reviews | ✓ Phone or Video | ✓ In-Person + Video (anytime) | ✓ Monthly Check-In | ✓ Quarterly IC Presentation |
| Direct Indexing & Individual Lot TLH | CHF 250k taxable threshold | ✓ Included — all taxable | ✓ Full Custom SMAs | ✓ Custom ESG / SRI |
| Private Market & Alts Access | Pre-vetted funds — CHF 250k min | Co-investment opportunities | Direct secondaries & SPVs | OP, PE, RE, private credit |
| Estate & Trust Coordination | Referral to vetted attny. | ✓ Direct attorney collab. | ✓ In-house JD on retainer | Board-level governance support |
| Private Client Banking Benefits | Premier Checking — CHF 0 fees | Private Client — dedicated RM | Family Office Suite | Treasury management |
We do not sell products. We do not charge for first meetings. We sit down with you — in one of our flagship offices, by video, or at your home — listen to where you are, where you want to go, and candidly assess whether Oxnard Wealth Management is the right partner for your family. No pressure. Ever.
Investment advisory services offered through Oxnard Wealth Advisors, LLC, an SEC-registered investment adviser and fiduciary. We do not sell insurance or commission-based products. Our only compensation is the transparent, tiered AUM fee published above. Past performance does not guarantee future results.