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Who We Serve
Welcome to O'Neil Financial
Navigating the complex world of finance can be daunting, and we understand how important it is to have a trustworthy partner by your side. At O’Neil Financial, our mission is to empower our clients by helping them manage, grow, and safeguard their wealth, so they can focus on the things that truly matter to them. Our financial advisors are committed to providing comprehensive, personalized financial planning solutions tailored to your specific needs.
Our ideal clients are pre-retirees and retirees who value the peace of mind that comes with financial security.They understand the importance of proactive planning and professional management in achieving their financial goals. They have been diligent in building their wealth, typically having investment portfolios of $500,000 or more. Most are age 55 or older and have reached a stage in life where they appreciate the benefits of entrusting their financial affairs to professionals, and understand that the financial strategies used while working full-time should differ from the strategies used in retirement. Our job is to help you continue to protect and grow your wealth for the rest of your life, and leave a legacy for others if you so desire.
If you have never worked with a financial advisor before or are seeking a new partnership, we welcome the opportunity to show you how we can bring significant value to your life.
What is Your Primary Goal?
Many people will find their financial goals fall into one of the four categories below. Earlier in your career, you may want to seek growth potential. Later on, you’re likely looking for a retirement income stream or focusing on your legacy.
If you’re finding it tough to pick a single category, don’t worry. Everyone’s situation is different. Our team at O’Neil Financial can help you combine products to address more complex needs and help get you on your way to a happy retirement.
I'M LOOKING TO GROW MY RETIREMENT SAVINGS WITHOUT DOWNSIDE RISK
If the idea of growing your savings while having some protection against downturns appeals to you, consider Buffered ETFs, Fixed Indexed Annuities (FIAs), or perhaps structured notes. They provide a way to invest in market indices with a layer of downside protection. A blend of opportunity and security.
For retirement planning, Buffered ETFs can be an appealing choice for those who want to have equity-linked exposure to major US and International equity indices while carrying a degree of protection to help against market downturns. However, it’s essential to understand both the benefits and limitations of these products as they may not be suitable for everyone.
I WANT TO GROW MY ASSETS BUT PRIMARILY TO GIVE TO MY BENEFICIARIES
Looking to grow assets with a legacy focus? We can explore multiple investment options such as mutual funds, ETFs, or individual stocks and bonds. Alternatively, consider real estate investments or even peer-to-peer lending platforms for potentially higher returns. Each option carries its own risk and potential reward, so balancing them based on your comfort level is essential.
We can also show you several investment options from top rated insurance companies that carry an enhanced death benefit that is potentially greater than your initial investment.
I WANT TO TURN MY NEST EGG INTO A RETIREMENT INCOME STREAM
Investing in a diversified portfolio of stocks that pay dividends and bonds that generate interest may be worth considering. Reinvesting dividends during your working years can grow your nest egg, and upon retirement, you can start taking these dividends as cash payouts.
Bonds, especially corporate and government bonds, can provide steady interest income and can be laddered to mature at different times, ensuring consistent cash flow.
Other popular retirement choices are Multi-Year Guarantee Annuities (MYGAs) that have a stated annual rate of return for the selected term, similar to those of a Certificate of Deposit or CD. Fixed Indexed Annuities (FIAs) that offer a living benefit provision can provides a guaranteed income for life that you can’t outlive. Both types of annuities have been very popular source of income for investors since the interest rates began an upward trend.
I WANT TO INVEST BUT MAINTAIN ACCESS TO MY MONEY
If maintaining liquidity is a priority, Exchange Traded Funds (ETFs) are a great choice. They offer a diversified investment opportunity like mutual funds but can be bought and sold throughout the trading day, ensuring accessibility. Additionally, money market accounts are worth considering; they often come with competitive interest rates and allow several transactions per month.
Short term bond funds could also be an option. These funds invest in bonds that mature in a short period, typically one to three years. They generally offer higher yields than money market funds or high-yield savings accounts but come with slightly higher volatility. Still, they provide a good balance of return and liquidity, allowing investors to withdraw funds relatively quickly if needed.
We have investments that were made for times like these.
Finding the right mix of growth potential and protection for your retirement assets can be a challenging balancing act. We get that. That’s why O’Neil Financial offers a broad range of financial solutions to do just that.
Are you
an Ideal Client?
Which situation best describes you...
Entrepreneur
Entrepreneur
You've spent years building your business and have now achieved substantial success. It's time for you to step back from the financial details and focus on your broader vision. You need a trusted partner who can effectively manage your wealth, help you plan for retirement, and navigate the complex issues of estate planning.
Widow/Widower
Widow/Widower
You've recently lost a spouse and inherited their assets. Amidst the emotional turmoil, you require a compassionate yet skilled advisor who can restructure your financial landscape, ensure tax efficiency, and provide reassurance about your financial future.
Successful Professional
Successful Professional
You've ascended the ranks in your field, worked hard and accumulated a substantial portfolio. Now, you seek an expert who can oversee your investments, minimize your tax burdens, and chart a secure course to a fulfilling retirement.
Pre-Retiree
Pre-Retiree
You're at the doorstep of retirement. You've been successful in saving but are now facing the daunting task of making your money last. You need an advisor who can develop a robust retirement income strategy, plan for potential health care expenses, and help with estate planning.
Windfall Recipient
Windfall Recipient
You've recently received a substantial inheritance or sold a business and need help managing this significant change in your financial situation. You're looking for an advisor who can reassess your financial plans, provide investment management, and offer guidance on charitable giving or estate planning, if necessary.
Career Achiever
Career Achiever
You've worked diligently, risen through the corporate ranks, and built a robust portfolio. But managing your growing wealth is becoming complex. You're seeking an experienced advisor to optimize your investments, manage your taxes effectively, and plan for a prosperous retirement.
Entrepreneur
Entrepreneur
You've spent years building your business and have now achieved substantial success. It's time for you to step back from the financial details and focus on your broader vision. You need a trusted partner who can effectively manage your wealth, help you plan for retirement, and navigate the complex issues of estate planning.
Widow/Widower
Widow/Widower
You've recently lost a spouse and inherited their assets. Amidst the emotional turmoil, you require a compassionate yet skilled advisor who can restructure your financial landscape, ensure tax efficiency, and provide reassurance about your financial future.
Successful Professional
Successful Professional
You've ascended the ranks in your field, worked hard and accumulated a substantial portfolio. Now, you seek an expert who can oversee your investments, minimize your tax burdens, and chart a secure course to a fulfilling retirement.
Pre-Retiree
Pre-Retiree
You're at the doorstep of retirement. You've been successful in saving but are now facing the daunting task of making your money last. You need an advisor who can develop a robust retirement income strategy, plan for potential health care expenses, and help with estate planning.
Windfall Recipient
Windfall Recipient
You've recently received a substantial inheritance or sold a business and need help managing this significant change in your financial situation. You're looking for an advisor who can reassess your financial plans, provide investment management, and offer guidance on charitable giving or estate planning, if necessary.
Career Achiever
Career Achiever
You've worked diligently, risen through the corporate ranks, and built a robust portfolio. But managing your growing wealth is becoming complex. You're seeking an experienced advisor to optimize your investments, manage your taxes effectively, and plan for a prosperous retirement.
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O’Neil Financial specializes in asset protection, financial planning, and retirement planning services. We have been serving hundreds of clients throughout the Metro Detroit area and throughout the United States for over 65 years combined.
- 7608 Allen Rd. Allen Park, MI 48101
- [email protected]
- (313) 389-2255
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