Accolades

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Lawrence C. Olin and Robert A. Schwarz of the Olin Financial Group named to the ranking of 2019 BEST IN STATE WEALTH ADVISORS BY FORBES
As Seen in Forbes

“It’s an honor to be named to this ranking,” said Larry. “Each day, I show up with one goal in mind—helping our clients succeed financially. It is quite an honor to be recognized for doing what I love to do.”

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Five Star logo Diablo Magazine Logo

7 Year Winner Five Star Wealth Managers Award
As Seen in Diablo Magazine

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Forbes Logo

Experienced Team Helps Clients Maximize Retirement Benefits
As Seen in Fortune, Forbes & Bloomberg Businessweek

The advisors of The Olin Financial Group help oil and gas industry employees prepare for and plan their financial futures.

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Articles

Welcome to our research center! We've put together a library of information on important financial topics that we believe you'll find helpful.

Simply click on one of the general financial topics below and you'll find a selection of easy-to-understand information sheets about related financial concepts and strategies. This information is updated regularly to reflect the latest facts, figures, legislation, and economic trends.

Retirement

Planning Options

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.

Future of Social Security

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

Social Security Income

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

Indexed Annuities

An indexed annuity may provide some upside potential and downside protection.

Retirement Plan Distributions

When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.

Traditional IRAs

If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

401(k) Plans

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

Managing Retirement Plans

Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

Save Now or Save Later

If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

Roth IRAs

Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Estate Planning

Estate Planning

Wills and trusts allow you to spell out how you would like your property distributed, but they also go beyond that.

Living Trusts

A living trust can help control the distribution of your estate upon death.

Avoiding Probate

The probate process can be lengthy and complex. There are strategies you can use to help avoid the probate process.

Charitable Giving

To retain the tax advantages associated with charitable giving, your gift must be made to a qualified organization.

Paying Estate Taxes

If you believe your estate will be subject to estate taxes, consider how your heirs will pay the bill.

Benefits of A-B Trusts

An A-B trust can be an effective way to help reduce estate taxes and preserve family assets for heirs.

Gifting Strategies

Compare the advantages and disadvantages of different gifting strategies available for planned giving.

Charitable Lead Trusts

Charitable lead trusts are designed for people who would like to benefit a charity now rather than later.

Charitable Remainder Trusts

A designated income beneficiary could receive payment of a specified amount from a charitable remainder trust.

Tax Planning

Tax Deferral

There can be a substantial benefit to deferring taxes as long as possible.

Tax Deductions

Changes to the tax code have left a few key deductions for itemizers, like medical, dental and some business expenses.

Tax-Advantaged Alternatives

While stable, CDs can create quite an income tax bill. Fixed annuities and municipal bonds can offer tax advantages.

Tax-Free Investments

It’s important to understand tax-exempt vehicles when establishing a comprehensive tax planning strategy.

Investing

Types of Bonds

Bonds are issued by many entities and share many characteristics, each type of bond has certain benefits and risks.

Bonds

A bond is simply evidence of a debt from a government entity or a corporation and represents a long-term IOU.

Bond Ratings

Bond ratings gauge a bond issuer’s financial ability to repay its promised principal and interest payments.

Stock Indexes

Stock market indexes can be useful benchmarks for gauging the performance of an investment portfolio over time.

Investment Risks

Understanding different types of investment risk can help investors manage their money more effectively.

Asset Classes

There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

Asset Allocation

Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

529 Plans

529 plans are tax-advantaged college savings plans that generally allow people of any income level to contribute.

Dollar-Cost Averaging

Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

Cash Management

Cash Management Basics

A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

College Financial Aid

It's important to understand the options, such as financial aid grant programs, when having to pay for college.

Effects of Inflation

Historically, one of the best ways to fight the effects of inflation has been to utilize growth-oriented investments.

Risk Management

Term Life Insurance

Term life insurance differs from permanent forms of life insurance in that it offers temporary protection.

Universal Life Insurance

Consider a universal life insurance policy if you want the flexibility to change your premium or death benefit.

Variable Life Insurance

Variable life insurance gives you the control to allocate your account value among a variety of investment options.

Auto Insurance

Even if your state doesn’t require certain types of auto insurance, it may be wise to purchase multiple types to ensure you are covered for a variety of situations.

Insurance Claims

When it is time to make an insurance claim, it helps if you are familiar with your policies and the steps you should take to file a claim.

Insuring Your Future

To help you choose insurance wisely, determine how much coverage and what kind of policy is best for your situation.

Protecting Your Home

Since your home is one of your greatest assets, you should make sure it is adequately protected. That's where homeowners insurance enters the picture.