OIA Ltd

Founded in 2013, O.I.A. Ltd, is a privately held, high-touch boutique Investment Management Company operating to a high fiduciary standard – the highest standard of care. We are experienced and accessible investment professionals focused on enhancing investment returns and delivering ‘peace of mind’ for our clients.

We design and manage investment portfolio’s that correctly align with each clients performance and risk expectations.

Our investment strategy is to invest in stocks, bonds, commodities & alternative investments, primarily with exchange traded funds, when opportunities arise the portfolio manager may use option strategies to further enhance returns and manage risk.

Our clients portfolios are re-balanced each quarter, and any new funds deposited will be invested.

The custodian for your funds will be Interactive Brokers LLC, a global leader in brokerage and custodial services. They provide our clients with comprehensive independent reporting and analytics, customer service and global market access across multiple asset classes, stocks, bonds, futures, and options in one account.

For account security usernames and passwords are encrypted with Triple Data Encryption Standards (3DES) and nCipher hardware encryption. Data in transit is encrypted using TLS1.2 protocol.

Many “would be investors” are nervous about investing in stocks, bonds, and other investment products, many investors feel they do not have the knowledge or experience to consider which investments are the most suitable for them.

We are seasoned investment professionals here to simplify the whole process from opening an account in your name, with our US licensed and regulated broker covered by both FDIC and SIPC insurance. You will enjoy online access to your account with UpToDate valuations of your holdings. You will be emailed trade reports, and account statements and of course end of year tax documents.

We will guide you through creating a link between your local bank account and your account at Interactive Broker’s via ACH or Fed Wire to either withdraw or deposit funds.

We are discretionary investment managers, the term “discretionary” refers to the fact that investment decisions are made with our discretion on your behalf. We assess our client’s time horizon, performance objectives, and risk tolerance to determine which investments are the most suitable investments.

We conduct routine monitoring of investment performance and execute buy and sell orders on your behalf and ongoing management in the areas of asset allocation and portfolio rebalancing. Portfolio rebalancing safeguards an investor from undesirable risks and ensures that the portfolio’s exposure remains within the manager’s area of expertise.

Benefits of Discretionary Management

Discretionary investment management offers several benefits to clients. It frees clients from the burden of making day-to-day investment decisions, which can arguably be better made by a qualified portfolio manager who is attuned to the vagaries of the market. Delegating the investing process to a competent manager leaves the client free to focus on other things that matter to him or her.

Fees

Our fee is based on a percentage of the value of your account, our fee increases in line with the dollar value of your account. For more information, please view our Form ADV Part 2A January 2025 and Client Relationship January 2025.

Our financial advisors and Portfolio Managers construct investment portfolio’s tailored to our client’s needs by considering several key factors, such as financial goals, risk tolerance, time horizon, and personal preferences. Here’s how the process typically unfolds:

1. Understanding the Investor’s Goals
The advisor first determines the investor’s primary objectives, such as retirement planning, wealth accumulation, income generation, or saving for a major expense. Short-term and long-term financial goals help shape the investment strategy.

2. Assessing Risk Tolerance
Some investors are comfortable with high-risk investments for potentially higher returns, while others prefer safer, more stable investments. Our portfolio Advisors use risk questionnaires or discussions to gauge how much risk an investor is willing to take.

3. Analyzing Time Horizon
The investment timeline plays a crucial role in asset allocation. Longer horizons allow for more aggressive growth strategies, while shorter horizons often favor conservative investments.

4. Selecting Asset Classes
Based on risk tolerance and financial goals, advisors allocate funds across different asset classes:
• Stocks for growth potential.
• Bonds for stability and income.
• Mutual funds or ETFs for diversification.
• Real estate or commodities for portfolio balance.
• Alternative investments like private equity or cryptocurrencies (if suitable).

5. Diversification Strategy
Advisors ensure the portfolio is well-diversified to minimize risks. Diversification spreads investments across industries, regions, and asset types.

6. Monitoring and Rebalancing
The advisor continuously reviews and adjusts the portfolio based on market conditions and life changes. Rebalancing ensures that the portfolio remains aligned with the investor’s goals and risk tolerance.

7. Tax and Cost Considerations
Advisors optimize the portfolio to minimize taxes, using tax-advantaged accounts when possible.

Advisors consider investment fees to maximize returns.
Ultimately, a financial advisor customizes each portfolio to match the individual investor’s financial situation and aspirations, ensuring a strategy that aligns with their unique needs. Are you interested in any particular investment strategy?