ABOUT

Our Approach

Osborne Financial Group is an independent financial services firm that serves families and individuals from both the eastern and western shores of Maryland. Our team of professionals has a combined experience of over sixty years in the financial industry. 

Our consultations are fun, low-key and relaxed. When we meet, we are going to spend our time teaching you. It is not about a transaction, but about building a relationship so we can help you succeed financially. 

 

How it Works

  • Discovery Meeting

During the discovery meeting, we discuss your goals and objectives, and help to identify financial opportunities that you may have in the future.  A series of questions are asked to create your personalized financial roadmap.

  • Preliminary Review

After we process all of the data gathered from our Discovery Meeting, we meet again to verify the accuracy of our findings and to clarify any questions before we move forward.

  • Implementation Meeting

After the Preliminary Review is complete, we begin to create your comprehensive financial roadmap. Together with our network of financial professionals and industry consultants, we analyze your current situation and goals. We identify various opportunities that you may use to better protect your family and enhance your asset growth for the future. We then present our strategies to you and if you are comfortable, we will work together to implement the recommendations. 

  • Financial Review

We understand life is constantly in flux and therefore it is important to constantly review your financial roadmap. We recommend reviewing your financial picture at least once a year. We also offer a complimentary monthly email newsletter to keep you abreast of the latest developments in the financial world.

 

Frequently Asked Questions

Who do you work with?

People often tell us they would like to work with a financial advisor but they don’t feel they have enough money to invest or don’t earn enough to afford one. Our business model allows us the opportunity to work with everybody: from young families and professionals laying the foundation for their careers, to entrepreneurs launching the companies that they’ve dreamed about for years, to retirees hoping to get the most from their money as they spend time with their grandchildren and traveling the world.

Are you fee based or commission based?

Because Osborne Financial uses several advisors that hold different licenses we can work with our clients on any combination of fee or commissioned based compensation that is in their best interests.   We will share the pros and cons of both approaches and you can decide which (or which combination) is best for you.

We work with several leading mutual fund investment companies, Registered Investment Advisors, and annuity companies so you have many options to chose from as you develope your financial roadmap. We work to help find a solution that makes you comfortable and best fits your needs. The investment companies may charge a fee for service and then pay us out of those fees to be your financial representative. If you ask us to provide financial planning above and beyond the norm (that which would take increased research and time), there may be additional fees. Any such fees would be fully disclosed and placed in writing before any work would begin.

Where are my investments held?

Osborne Financial Group never take custody of your assets.  All assets are held with a prominent custodian.  Clients maintain 24/7 access to their accounts via their web portal.  This transparency protects investors from fraud and ensures their assets are always available.  

                

 Main Office - Salisbury, MD

106 West Circle Avenue (Suite 100)
Salisbury, MD 21801

 

 

                  

Salisbury Office   Salisbury, MD

 

Contact Us

Call or email to set up a complimentary meeting. We will get to know each other and you can determine if we’re the right firm for you. You will never be pressured to make any commitment. If we all agree that there is a fit, we will move forward. If not, the only thing you’ve risked is an hour of your time and perhaps some good questions to ponder.

We feel we offer a fresh approach to financial services, and hope you’ll agree. Call or email to set up a complimentary face-to-face meeting. You can reach us at 410-742-1452 or by email at ralph.osborne@capitalchoiceinvest.com. Let’s chat.