Integrated Advantages

The whole is greater than the sum of its parts.

At OptiFour, this philosophy is at the heart of our firm. As part of our unique value proposition, we go beyond traditional approaches to planning. Rather than address one discipline and leave the rest to chance, we integrate, optimize, and align all areas of our clients’ financial lives.

This concierge level of service is not a cost. It’s a benefit.

As an interdisciplinary wealth management firm, we connect our clients with the opportunity to identify and achieve their most valued lifetime goals. We accomplish this mission on a daily basis by integrating Tax, Legal, Risk Management, and objective Financial Advice, leveraging the synergies within each discipline to strengthen and secure our clients’ financial freedom.


The Value of Integrated Advice

Recent Vanguard research¹ shows that a skilled financial advisor not only adds peace of mind, but also may add about 3 percentage points of value in net portfolio returns per year. Vanguard calls this value added “The Advisor’s Alpha”.

What is Advisor’s Alpha? An advisor has the ability and the time to evaluate your portfolio investments, meet with you to discuss objectives, and help get you through tough markets. All of these factored together potentially add value to your net returns (returns after taxes and fees) over time.



1 Francis M. Kinniry Jr, Coleen M. Jaconetti, Micachael A. DiJoseph, And Donald G. Bennyhoff, 2016, Putting a value on your value: Quantifying Vanguard Advisor’s alpha, Valley Forge, PA: The Vanguard Group

Here are 3 areas in which a skilled advisor can add meaningful value:

  1. Portfolio Construction
  2. Wealth Management
  3. Behavioral Coaching



How do you define the value of advice?

A holistic advisor like OptiFour, using the skills and tactics described above, can give you the confidence to reach your financial goals. They can also add about 3 percentage points per year to your portfolio returns. This research is not an exact science. “About 3%” means advisors can potentially add about 3 percentage points to your bottom line in comparison to the average investor’s experience. For some, advisors may offer much more than that in added value; for others, less.

For more information on this topic see the Vanguard reports:

The Added Value of Financial Advisors
Learn How Your Financial Advisor Adds Value