Enduring Relationships.

Choosing a financial advisor is about more than selecting someone to manage your investments. It's about finding a trusted partner who understands your goals, provides objective advice, and helps you make informed financial decisions throughout every stage of life.

At Oster & Fischer, we've built our practice around that philosophy.

Independent by Design

As Registered Representatives with Cambridge Investment Research and Cambridge Investment Research Advisors, Inc. we have access to the institutional resources, technology, investment research, and planning capabilities of a national firm while maintaining the independence to serve our clients without conflicts of interest.

Because we have no proprietary investment products, sales quotas, or corporate agendas, every recommendation is made with one objective in mind—what is in our client's best interest.

Financial Planning Comes First

We believe successful investing begins with a comprehensive financial plan—not an investment portfolio.

Before recommending a single investment, we work to understand your goals, family, tax situation, retirement objectives, estate planning considerations, and tolerance for risk. Only then do we develop an investment strategy designed to support your long-term financial plan.

Our philosophy is simple:

Your financial plan should drive your investment decisions—not the other way around.

A Collaborative Advisory Team

Every client benefits from the experience of two advisors working together.

Amanda leads the financial planning process, helping clients navigate retirement planning, tax-efficient wealth strategies, estate planning coordination, and major financial decisions. Stephan directs investment strategy, overseeing portfolio construction, manager selection, risk management, and ongoing portfolio oversight.

This collaborative approach provides broader perspective, greater continuity, and more thoughtful decision-making than a single-advisor model.

Built on Trust

Our firm has grown almost entirely through referrals from existing clients and professional relationships.

Because of that, we intentionally limit the number of new families we accept each year. This allows us to provide the personalized attention, responsiveness, and proactive service our clients have come to expect.

We believe there is no greater compliment than the confidence our clients place in referring their family, friends, and colleagues.

Relationships That Last

Our goal isn't simply to help clients build wealth. It's to become trusted advisors for generations.

Many of the families we serve have worked with us for decades, and today we have the privilege of advising multiple generations within the same family. As life evolves, we continue to help clients navigate new opportunities, changing priorities, and the transfer of wealth with the same thoughtful guidance that began the relationship.

A Firm Built for the Future

A successful advisory relationship should provide confidence today and continuity tomorrow.

Stephan and Amanda have worked together for more than 25 years and have built Oster & Fischer with a long-term perspective. Through formal succession planning and a carefully designed ownership structure, we have taken proactive steps to help ensure the continued stability of the firm and uninterrupted service for the families who place their trust in us.

Stephan and Amanda are affiliated with Cambridge Investment Research, one of the nation's largest independent Broker-Dealers and Registered Investment Advisory firms. Headquartered in Fairfield, Iowa, Cambridge provides the institutional resources that support our practice, including investment research, technology, trading, compliance oversight, operational support, and access to a broad range of investment solutions.

Like Oster & Fischer, Cambridge is independently owned and does not manufacture proprietary investment products or operate an investment banking business. This independence helps ensure that our recommendations are driven by your financial plan and objectives rather than by corporate sales initiatives or proprietary offerings.

While Cambridge provides the infrastructure that supports our practice, Oster & Fischer remains an independently owned financial services firm. We maintain full responsibility for our client relationships, financial planning, investment recommendations, and ongoing service. Because Cambridge's role is primarily administrative and operational, our clients benefit from institutional-quality resources while continuing to work directly with the advisors they know and trust.

Independent Custody of Client Assets

Oster & Fischer does not take custody of client assets. Instead, your accounts are held by established, independent financial institutions that specialize in safeguarding client assets and processing transactions.

For most investment accounts, assets are custodied through National Financial Services. Depending on the type of investment or insurance product you own, certain assets may be held directly with the sponsoring mutual fund company or insurance carrier.

Because your assets are maintained by independent custodians, you receive account statements and confirmations directly from the institution holding your investments. This independent reporting provides an additional layer of transparency and allows you to verify your account balances and activity at any time.

Our role is to provide financial planning, investment advice, portfolio management, and ongoing service—while your custodian is responsible for the safekeeping and administration of your assets.

Yes. Every new client relationship begins with a complimentary, no-obligation consultation designed to determine whether we are a good fit for one another.

The process typically begins with a brief introductory phone conversation to discuss your goals, answer initial questions, and determine whether an in-person meeting would be beneficial.

If we decide to move forward, we'll schedule a meeting to learn more about your financial situation, discuss what you're hoping to accomplish, and explain our planning process, services, and fee structure. You'll also have the opportunity to ask questions and determine whether our approach aligns with your expectations.

Because we intentionally accept only a limited number of new client relationships each year, the initial consultation is designed to ensure that our services are well suited to your needs and that we can provide the level of personalized attention our clients expect.

There is no cost and no obligation to proceed.

Do I Have to Move My Investments to Work With You?

No.

Unlike other firms, we do not require clients to transfer their investment accounts in order to benefit from our financial planning services. We believe comprehensive financial planning should stand on its own and provide value regardless of where your assets are held.

While many clients ultimately choose to have us implement and manage their investment strategy, others engage us solely for financial planning. This is often the case when assets remain in an employer-sponsored retirement plan, are held in a family relationship, or when clients prefer to manage some or all of their investments themselves.

How Are Your Services Priced?
Our financial planning services are provided on a fixed-fee basis, with the fee determined by the complexity and scope of your planning needs. The fee is discussed and agreed upon in advance, allowing us to focus on thoughtful planning and open conversations without the concern of hourly billing.

For clients who engage us for investment management, we offer advisory fee and, where appropriate, commission-based solutions. The compensation structure is determined by the type of investment or insurance solution being implemented and what we believe is most appropriate and cost-effective for your particular circumstances.

Before any recommendation is implemented, we fully explain all fees, costs, and expenses so you understand exactly how we are compensated and can make informed decisions with complete transparency.

We work with successful individuals, families, business owners, and corporate executives who value comprehensive financial planning and personalized wealth management.

Many of our clients have built significant wealth through long careers with Fortune 500 companies. We have extensive experience helping employees of The Coca-Cola Company and Southern Company navigate complex employee benefits, retirement plans, executive compensation programs, stock-based compensation, and deferred compensation arrangements.

For many clients, our relationship begins several years before retirement. This allows us to thoughtfully prepare for one of life's most significant financial transitions by developing retirement income strategies, coordinating tax-efficient withdrawal plans, evaluating healthcare and Social Security decisions, and creating an investment strategy designed to support long-term financial independence.

Every client relationship begins with a comprehensive financial plan. Because we charge a fixed fee for financial planning, our recommendations remain objective and are never dependent upon whether you choose to have us manage your investments. Many clients engage us for both planning and investment management, while others utilize our planning services independently.

Our investment management relationships are generally best suited for clients with at least $1.5 million of investable assets. Most of the families we serve have substantially more, allowing us to provide the highly personalized service and ongoing attention that define our practice.

Oster & Fischer is not an RIA/Broker-dealer. No affiliation with Coca-Cola Company and Southern Company.

No. Accepting a referral fee from other professionals presents a conflict of interest. If you need a referral to a qualified professional, our goal is to match you with one that will best suit your unique needs.

Contact us by e-mail or telephone (770) 753-9880. Prior to our initial telephone conversation, we kindly ask that you complete our Confidential Profile (click here) and return it to us at least 24 hours prior to our call. All information is kept confidential whether you become a client or not.