Before the Plan, There’s Your Story

Our Process

1

Let’s Connect

A lot of our work happens online, but the relationship is anything but automated. No robo-advice. No quiz pretending to know your life.

We start with a real conversation to learn your story, understand what matters most, and see whether we’re the right fit—because good advice starts long before the numbers do.

2

Cultivate

This is where the bigger picture starts to take shape.

In a one-hour meeting, we’ll explore your goals, concerns, and what you’re building toward—then begin creating a plan that fits your life, not just the spreadsheet.

3

Grow

Once our analysis is complete, we’ll reconnect to walk through the clearest path forward. If we decide to partner together, we’ll turn the plan into action—laying thoughtful groundwork for today, tomorrow, and the generations that follow.

Investments

Investing is only one part of your financial life, but it can carry a surprising amount of weight. And let’s be honest—markets have a way of making even reasonable people second-guess themselves.

At Olivia Wealth Management, we believe a portfolio should be flexible enough to respond when conditions change. Our approach is designed to pursue growth in favorable markets and lean toward preservation when risk rises.

The goal is not to predict every market turn. It is to build a strategy that can participate in the good seasons, adapt through the difficult ones, and keep a rough stretch from derailing the bigger picture.

  • Investment Management

  • Custom Portfolio Construction

  • Tax-Aware Investing

  • Retirement Income Strategy

Explore Our Approach

Planning

Money has a way of making even the simplest decisions feel heavier than they should.

Whether you’re growing, protecting, or passing on your wealth, we start by getting to know you—not just your numbers. From there, we’ll focus on what matters most and build a thoughtful plan around your life, goals, and bigger picture.

  • Equity Compensation Planning

  • College & Education Planning

  • Risk Management

  • Business Owner Planning

  • Cash Flow & Life Planning

  • Retirement Strategy

  • Tax-Aware Planning

  • Estate & Legacy Coordination

Advisory

Not every financial question needs a 40-page plan and a three-ring binder.

Sometimes you simply need a thoughtful second opinion before making a big decision. Our advisory work is designed for those moments—focused guidance, honest perspective, and a clearer path forward.

Sound familiar?

  • A sudden financial windfall

  • Inheritance or legacy decisions

  • A career or business transition

  • A major purchase or life change

  • Concentrated stock or equity compensation

  • A portfolio second opinion

For the business you built — and the life around it

Olivia Wealth Management works virtually with business owners, professionals, and families throughout CA, TX, and the Mississippi Gulf Coast.

For business owners, personal wealth and business wealth are rarely separate stories. We help bring the moving pieces together—from cash flow, investments, and retirement planning to tax strategy, risk management, and the legacy you hope to leave behind.

While we have a particular heart for entrepreneurs and family-owned businesses, you do not need to own a business to belong here. We welcome professionals, retirees, and families looking for thoughtful guidance, honest conversation, and a financial plan built around what matters most.

Build the business. Protect the bigger picture.

FAQ’s

  • It means your interests come first. Full stop.

    We’re expected to use sound judgment, act with care, and tell you what you need to know—not just what is convenient to say. No burying important details in fine print. No pretending conflicts do not exist.

    We work to avoid conflicts whenever possible. When one cannot be avoided, we disclose it clearly and manage it with your best interests at the center.

  • As a fiduciary advisor we custody all of our clients assets with Charles Schwab Corp.

  • We’re a fee-only firm, which means we’re paid by our clients—not by commissions, product sales, or a mysterious third party with an agenda.

    What you pay depends on the kind of help you need.

    Investment Management

    Our investment management fee includes ongoing financial planning and advisory support, all under one transparent cost. No hidden fees. No upselling. No surprise menu of add-ons later.

    • $0–$2,000,000: 1.25% annually

    • $2,000,001 and above: 1.00% annually

    Financial Planning

    For clients who need a focused project or a comprehensive plan without investment management:

    • $500 for up to four hours of planning

    • $1,200 for a comprehensive financial plan

    The comprehensive plan includes one full year of ongoing guidance and partnership, with no hourly limit.

    Hourly Advisory

    For a specific question, decision, or financial knot that needs untangling:

    • $295 per hour

    Pricing may be customized depending on the scope and complexity of the work.

  • You’ll always have a direct line to our team—no phone-tree obstacle course required.

    We’ll check in regularly to review your plan, investments, and anything life has added to the agenda. But you never have to wait for us to call. Grab your favorite cup of coffee and reach out anytime. We genuinely enjoy hearing from our clients.

  • No. You don’t need a full financial plan before we can manage your investments.

    That said, a good plan helps make sure the portfolio is supporting your actual life—not just performing well in a vacuum. For clients who only need ongoing investment management, though, a separate financial plan is not required.

  • We’ll start with a relaxed discovery meeting—less sales pitch, more real conversation. It’s a chance to get to know each other, talk through your goals, and see whether we’re the right fit.

    From there, we’ll review your needs and present a personalized proposal. If everything feels right, we’ll begin onboarding and officially get to work.

  • James began his career at Morgan Stanley in San Francisco more than a decade ago, earning his securities licenses while completing a degree in Finance and Economics—because apparently one full plate wasn’t enough.

    Since then, he has focused on custom portfolio construction, investment management, and financial planning as an independent advisor. His approach blends technical analysis with fundamental research and thoughtful planning, so every portfolio has both a strategy and a purpose.

  • James works with individuals, families, and business owners navigating everything from concentrated stock and retirement planning to turning a lifetime of savings into dependable income.

    He has a particular heart for small- and mid-sized business owners, whose personal and business finances tend to share the same dinner table. His goal is to bring it all together through thoughtful planning, custom investment management, and guidance that feels both personal and practical.