Our Process
Osher. Begin Your Journey.
Osher represents a sense of contentment with life. Happiness. Financial security. Dreams pursued and fulfilled.
Our mission is to guide Jewish clergy, executives, leaders, educators, and their colleagues toward the contentment of Osher in every aspect of their lives. Our holistic, values-based process—Opportunity for Strategic and Healthy Enjoyment of your Resources (OSHER)—addresses many areas of your finances, including investments, student loan repayment, insurance protection, tax and estate planning, and charitable giving.
You Deserve an Advisor who Understands the Unique Life of a Communal Leader. We Do.
With two decades of experience as a Cantor, pastoral counselor, and Jewish educator, our founder, Ben Tisser, has built our planning process from the ground up with the unique facets of Jewish professional life in mind. From clergy tax planning to student loan repayment (and, in some cases, forgiveness), from tax-favorable compensation package structure to reviewing cash flows, and from retirement planning to tzedakah (charitable giving), we understand the values that called you to a life of service and are here to walk that sacred path with you.
We begin by diving deep and discovering what means most to you and what the values are that drive you. We learn about your background and family so we know how to best serve you. This lays the foundation for the rest of our process.
In this step, we take the time to take inventory of all of your assets and liabilities and put them on one sheet of paper in an easy-to-understand format. Your LifeMap is updated annually so we can plan based on current reality.
After a risk tolerance assessment, we help ensure that your hard-earned resources are invested—both for the present and for the future—in a portfolio aligned with your individual needs. With proper implementation and oversight, we support you in managing your finances so you can live for today while building for tomorrow.
Using what we have learned about your values, goals, and current financial situation, we will work with you to create a plan designed to help you pursue your goals and work toward your aspirations. We then stress-test the plan to help ensure it aligns with your objectives, providing confidence in the approach we’ve developed together.
At this stage in the process, we review your estate plan and provide our recommendations. Additionally, we assess your insurance coverages to help ensure that you and your family are appropriately protected.
Osher. This is Where you Thrive.
Invest Your Values
You were called to a life of communal service because of your values. We offer ESG (Environmental, Social, and Governance) portfolios that allow clients to invest in ETFs and mutual funds aligned with those values. This is also known as Sustainable Investing.
Additionally, for clients with a minimum investment of $250,000, we provide a Separately Managed Account (SMA) that follows one or more strategies reflecting specific values. These portfolios are designed by professional managers and are actively managed to help ensure that the underlying assets continue to align with both the values standards and the portfolio’s investment strategy. Additional fees may apply.