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Helping Smart People Make Wise Decisions


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Helping Smart People Make Wise Decisions


 

REAL ADVICE FOR YOUR FINANCIAL LIFE

Laminar Wealth LLC is a fee-only fiduciary financial advisory firm located in Chesterfield, Missouri. We primarily serve clients in St. Louis, Chicago, and San Francisco, but work with individuals and families across the country. Our clients tend to be successful people who live below their means and have been prodigious savers or benefited from a windfall. We help them maintain financial security, plan for the future, and find more freedom in their lives.

 

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David S. Oransky


Financial Life Planner | Investment Advisor

Schedule a Free Intro Call

David S. Oransky


Financial Life Planner | Investment Advisor

Schedule a Free Intro Call

Expertise

My natural curiosity has led me on a journey of continuous learning. I constantly seek greater understanding, explore better ways to solve problems, and share my ideas with others.

CREDENTIALS:
CFP®
 - Certified Financial Planner
CPA - Certified Public Accountant
PFS® - Personal Financial Specialist
RLP® - Registered Life Planner
BSC in Accounting & Economics

PROFESSIONAL SPEAKING:
AICPA Advanced Planning Conference
AICPA Financial Planning Summit
FPA Business & Economics Conference
Mizzou Personal Finance Symposium

Integrity

The trust and confidence my clients place in me is a tremendous responsibility and a great honor. As a fee-only advisor, I assume not only a moral, but also a legal fiduciary responsibility to all of my clients, at all times during the relationship, and on all of their accounts. I refuse to accept commissions, kickbacks, or other financial incentives from third-parties that could impair my judgment. I only receive compensation directly from my clients in the form of transparent advisory fees. You should never have to question whose interests your advisor is looking out for... so I structured my practice in a way that you will never have to.

View My Clean Conduct Record (SEC)

Purpose

I was initially drawn to financial planning and investing by a personal need and along the way discovered my calling that compelled me to leave a career in public accounting to become a financial advisor. My years as an advisor have taught me that personal finance is actually more personal than it is finance. While I love the technical aspects of what I do, it is my clients—their stories, their dreams, their lives—that bring meaning to my work and inspire me every day. If I can help my clients fulfill their purpose by crafting the right plan and delivering the necessary inspiration and peace of mind, then I have not only fulfilled my purpose but amplified it many times over.

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Financial Life Planning


The true purpose of financial planning is not simply about money, but designing and pursuing the life you want.

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Financial Life Planning


The true purpose of financial planning is not simply about money, but designing and pursuing the life you want.

Discover our services

Your Life...

The first step in achieving financial independence is understanding who you are, where you want to go, and why. We all desire greater freedom in our lives, but we each have a unique vision of what that means. For some, it could include engaging in more meaningful work, spending additional time with loved ones, or exploring the world. For others, it may be greater autonomy, time for oneself, or creative pursuits. Whatever your values and wishes are, we want to help you articulate them and then design a thoughtful and financially sound plan around them. Too many people unconsciously build their life around their money. We believe a better approach is to start with your life and build a financial plan that supports it. We refer to our work as financial life planning because it merges your money with your life in a meaningful way.

...Our Life's Work

Although we start with the big picture in mind and never lose sight of your broader life goals, where we really excel is in the details. Our CPA roots provide one of the strongest technical foundations in the profession, enabling us to deliver truly integrated strategies aimed at maximizing your outcome after all fees and taxes. In addition to a robust understanding of taxes, accounting is the language of finance and being fluent helps us understand not only the what but also the how and why of complex financial situations and strategies. We pride ourselves on our deep analytical abilities and broad technical knowledge across investments, taxes, risk management, and estate planning. Our ability to bring together the best financial strategies in a thoughtful, life-centric approach will not only increase your financial security, but also the freedom in your life.

Academic Investment Philosophy


A common sense approach rooted in academic research and informed by financial history.

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Academic Investment Philosophy


A common sense approach rooted in academic research and informed by financial history.

Discover Our Services

Markets reflect expectations of risk & return

Markets quickly digest current information and future expectations, making current stock and bond prices the best approximation of their true value. Instead of betting against the collective wisdom of markets by making speculative and tactical bets, we attempt to harness their power through strategic long-term asset allocation decisions. 

Asset Allocation Determines Outcome

Your asset allocation should be reflective not only of your risk tolerance but also of your need and ability to take risk, thus seeking to maximize the likelihood of a successful outcome. Over the long run, the mixture of stocks, bonds, and other asset classes in your portfolio is the predominant factor that will determine performance. Understanding the risk and return expectations of various asset classes allows us to construct portfolios aligned with your objectives.

Diversification Reduces Uncertainty

It has been said that the closest thing to a "free-lunch" on Wall Street is diversification and for this reason, we want as much as we can get. By building globally diversified portfolios that hold thousands of underlying securities, we reduce the risks associated with individual countries, industries, and issuers. This allows us to focus on asset allocation and the risks that bear a long-term relationship to market returns.

Costs Matter (a lot)

We focus a lot of energy on minimizing your all-in costs because it is one of the most effective ways to increase your bottom line. When designing and managing portfolios we consider fund expense ratios, turnover within the funds, custodian transaction fees, implicit trading costs, and taxes. Building low-cost, tax-efficient portfolios is in our DNA. Our name, “Laminar” literally means streamlined and is an integral part of our philosophy and practice.

Preferred Investment Families...

 
 

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Featured Updates