Blacksburg, VA Office

OLIO Financial Planning serves individual clients across both non-high-net-worth and high-net-worth segments, as well as retirement plans, charitable organizations and corporations, collectively managing roughly $600 million for several hundred client relationships. The firm provides comprehensive financial planning, investment consultation and ongoing portfolio management, and also offers ERISA §3(21) retirement-plan advisory, business consultation and educational workshops.

The firm’s investment process blends fundamental, technical, charting and cyclical analysis and typically implements a buy-and-hold, core-and-satellite approach that emphasizes ETFs, mutual funds and select individual securities, with options used for hedging when appropriate. Financial planning is delivered as either broad-based or modular engagements, and portfolios are managed on both discretionary and nondiscretionary bases with periodic reviews and written reports.

Distinctive to OLIO is its fee structure: rather than relying on a traditional percentage-of-assets-under-management model common among peers, the firm structures engagements through project-based, fixed, hourly and annual recurring fees and may facilitate fee remittance via custodians. OLIO also discloses it does not accept commissions or performance-based fees, uses a third-party digital estate-planning service, and typically recommends a preferred custodian while describing the institutional services and benefits it receives.