Doug Oosterhart, CFP®
A collaborative financial advisor for retirees and those near retirement
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Serving Clients Nationwide
A collaborative financial advisor for retirees and those near retirement
Areas of Focus
- Estate Planning
- Insurance
- Investing
- Investment Management
- Money Psychology
- Retirement Planning
- Tax-Aware Retirement Income Coordination
- Tax-Efficient Planning
- Tax-Smart Distribution Planning
- Taxes
About Doug Oosterhart, CFP®
Hi, I'm Doug Oosterhart. I work with people who are within about ten years of retirement or already retired, and here's what I've learned in over a decade of doing this: retirement doesn't simplify your finances. In many ways, it's the most financially complex stretch of your life.Your portfolio still needs to grow because retirement can last thirty years or more. Your savings now have to produce income, on a schedule, in every kind of market. And with money spread across taxable accounts, pre-tax retirement accounts, and Roth dollars, nearly every withdrawal is a tax decision, whether you treat it as one or not.
Our job is to coordinate all three. That means an investment strategy built around when you'll actually need the money, a withdrawal plan that draws from the right accounts in the right order, and tax planning that looks ahead to Roth conversion windows, Social Security timing, and Medicare premium thresholds instead of reacting each April.
I founded LifePoint Planning, an independent Registered Investment Adviser, on two ideas that shouldn't be rare in this industry: high-net-worth clients often pay far more in percentage-based fees than they need to, and investments, tax strategy, and legacy planning should be coordinated as one plan. Your CPA and attorney each see their piece; someone should be looking at the whole. That's why we offer transparent flat-fee pricing and build plans that address taxes both year-to-year and across your lifetime.
Core philosophies:
✅ Control the controllables. Nobody controls the market day-to-day. Fees, taxes, asset location, and behavior are a different story.
✅ The plan comes first. Your portfolio is the funding medium for the plan, not the other way around.
✅ Simplicity is the ultimate sophistication. You should understand your plan and why we're doing what we're doing.
✅ Be direct. I'll tell you what you need to hear, not what you want to hear. Otherwise, why hire an advisor at all?
Professional Designations
- Certificate in Blockchain and Digital Assets
- Certification in Long-Term Care (CLTC)
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
- Digital Assets Council of Financial Professionals
Primary Location
1821 Walden Office Square, Suite 400, Schaumburg, Illinois, 60173
Additional Locations
📍 41000 Woodward Ave Ste 350 E, Bloomfield Hills, MI 48304
Video
Meeting Options
- Video Conference
- Phone
Compensation Methods
- Flat Fee
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free 15-minute get to know each other" phone call. A short phone call will give us both a chance to make sure your situation matches our expertise. The call will accomplish the goal of whether or not it makes sense to continue the conversation.Offers Investment Management
Yes
About LifePoint Planning
LifePoint Planning is a comprehensive financial planning firm serving clients virtually across the United States. We specialize in retirement planning, tax strategy, and investment management for people who are retired or within about ten years of it, typically with meaningful savings spread across taxable, pre-tax, and Roth accounts.Every engagement starts with the plan, not the portfolio. We clarify your goals first, because the portfolio is only the funding medium for the plan, not the other way around.
One of the first things we work through together is your retirement income style. Some people want more guarantees behind their income. Others are comfortable letting the market do more of the work. Neither answer is wrong, and we stay strategy agnostic so the income plan fits you rather than forcing you into the approach a firm happens to sell.
Taxes run through everything we do. Which accounts you draw from, in what order, and when you convert or realize gains can matter as much over a long retirement as the investments themselves, so we plan for taxes both year-to-year and across your lifetime.
Just as important as the plan is staying with it. We coach our clients through every kind of market so that one bad year, or one emotional decision, doesn't undo decades of good ones.
Education
Michigan State University - Eli Broad College of Business, BA, Finance
Hobbies and Interests
- Cooking
- Exercising
- Family
- Golf
- Grilling
- Pickleball
- Traveling
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Couples
- Dual Income Family
- Gen X
- Intergenerational Families
- Living in Retirement
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High Integrity Financial Planner with a Broad Skillset
Trust
Very lucky to have worked with Doug!
Extremely Pleased
Fantastic communicator, personable and knowledgeable
Outstanding Advisor and Partner
Excellent Experience & Straightforward Guidance
Great Customer Service
Gold Standard
Terrific advisor
Empathy with Win/Win End goal
Integrity - Purpose - Abundance
Trust, Integrity and Performance Driven Results
Knowledgeable and Available
The best of the best in a 'crazy' industry
Knowledgeable, Collaborative, Genuine and Friendly Financial Advisor who Always has Your Best Interest in Mind
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