Life’s next adventure is waiting.

Start planning for your retirement with
OSTB Wealth Solutions.

Life’s next adventure is waiting.

Start planning for your retirement with
OSTB Wealth Solutions.

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

OSTB Wealth Solutions is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

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Planning Process

Retire with Confidence.

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

Start Smart

Apply Discipline

Communicate Progress

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life

Liquidity

Limited access to assets to meet life’s unexpected financial needs

Inflation

Reduction in real purchasing power as the result of increasing cost of living

Market

Unexpected reduction in the value of financial assets at the time of withdrawal

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of college education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase your or your loved one’s future retirement income with a tax-efficient, capital-leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

Business Valuations

Accurate, affordable, quick, and certifiable. KPIs help you focus on ways to increase the value of your business.

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of collect education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

Annual Review
Monthly Newsletter
Client Portal
Educational Events
Client Events

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Team

Read about the advisor and staff and learn the history of the business. See contact information for each person and click to email or call individuals in the business.

David DeNoble, Founder and President

David DeNoble draws from a wealth of experience in both financial services and small business. He got his start with Northwestern Mutual where he did both personal life insurance and working with businesses. After working is several small businesses he went back into financial services concentrating on businesses and business owners. Working in small businesses, he got a good look at how businesses miss opportunities to protect themselves from loss and keeping valuable employees. He saw how business owners are handling multiple projects and solving problems all the time. They didn’t have the time to look at the value of the business, how it would recruit and retain key employees, plan for transitions and reward the owner in significant ways.

He is a constant learner, always looking to expand his knowledge. This includes both deepening knowledge of products, as well as new applications and approaches to solving business and personal insurance needs.

David never settles for what has also been done, but looks for other, alternative and/or better ways to address needs. There are so many new products and improvements to existing ones that address needs in better ways.

As a financial advisor, his focus is not AMU, but in true financial advising. He looks for multiple options for a client so that they can put a plan together that meets their needs the best. Sometimes that is what is very traditional. Sometimes it is very different than what 99% of advisors are suggesting. It is always geared for the client.

Chris McNealy, Office Manager

Chris McNealy grew up in the Northwest US and has been in Texas for 9 years. He has a breadth of experience in business. He has been working in the insurance field for 8 years now and found that it is his calling. Having seen family members lose large sums when the market crashed in 2008, he has a special interest in helping clients avoid unnecessary risks. His client focus is evident as soon as you start talking with him. He wants to know your interests, your needs, your desires. He doesn’t hesitate to ask the hard questions because without those answers it is impossible to really put together a client focused plan. Chris will always look for multiple ways to address a need so the client can go with what they are comfortable with. No investment tool is right or wrong in themselves. They are right or wrong for an individual if they are no comfortable with that investment.

When Chris isn’t working, he is involved with his family and friends in his community. He enjoys fishing and tries to make time to do that.

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Life’s next adventure is waiting.

Start planning for your retirement with OSTB Wealth Solutions.