What We Do

Advisory Services

Every manager or business owner, no matter where they are in the business lifecycle, needs clear and precise goals to keep the business moving forward. Our professionals assist business owners in defining clear objectives and design strategic pathways to achieve their business goals. By using proven methodologies of combining financial services, we are able to help start-up companies to large corporate conglomerates achieve milestones in shorter times than previously expected.

CASE STUDY

“Organic Growth vs. Strategic Growth”

A local business services company approached us to help them increase their bottom line. They had been growing their revenue at a pace of 8% annually but did not see the same increases in their bottom line. After the first strategy session it was uncovered that the organic growth required additional resources that were eating away cash flow as funds were being constantly reinvested in the form of capital expenses. By acquiring a new location using funds at a lower rate of interest, having access to additional funds for working capital instead of using the company’s cash reserves, accounting for the correct capital improvements in the company financials, rewriting the company insurance policies to cover gaps in coverage and enhancing the employee benefits to motivate additional sales, Oakdale was able to assist in bringing an increase of over 35% to bottom line in the first year alone.

Our Difference

A lot of business owners are so entrenched in the day to day operations of a business that they don’t take the time to step back and think of a the long term consequences of the business path that they are following. Additionally, having multiple advisors and/or financial service providers causes confusion as every advisor looks at their focused vertical only. By combining all the services in one place Oakdale can find a true cohesion of services to enhance the strategy of any company to attain their financial goals.

Personal Insurance

Buying personal insurance may not seem as easy as it may appear, especially for a person who has assets to protect. Our independent insurance agency can help assist individuals to get covered in all personal lines products from auto, home, life, health and more.

CASE STUDY

“Online Coverage vs Custom Tailored Coverage”

A client who had approached us for other services was curious about how we measured up to the price of his online quoted of his personal auto insurance policy. Although our answer was that we weren’t competitive in price, we did however see that the coverage that he had chosen online was insufficient to cover him properly. After answering a few questions that normally would not have been asked by an automated online process we uncovered that the client had a net worth of over $10 Million. Although he had covered himself with the highest coverage offered by the carrier it still fell short in the case of a major catastrophe. Oakdale was able to advise what additional coverages he needed which included the recommendation that he stay with his current online carrier to maximize on price – after all the client’s financial success is what we work towards.

Our Difference

As the saying goes a client who acts as his own lawyer is a fool, the same is in insurance. Many individuals flock to online companies to save in purchasing personal insurance and forget the fact that they may not have all the coverages from one place. At Oakdale we strive to find the proper coverage and ensure that the policies chosen have complementing coverages to eliminate gaps or overlaps. By keeping the client’s whole financial picture in mind we are able to recommend the coverages needed to ensure preservation of assets in the case of catastrophe.

Commercial Insurance

Oakdale offers customized insurance for any business. We tailor business insurance coverage to a business’ needs, allowing for changes of coverage to occur as the business changes. As an independent agency Oakdale has the ability to shop for coverage to provide the best coverage possible at a reasonable cost.

CASE STUDY

“Am I really covered?”

A business who had purchased coverage from another agency had filed a claim with their insurance carrier. The claim was denied based on the classification of insurance. Being recommended by a client in the same industry they approached Oakdale to understanding the details. The clients business was installation of pipe for telephone lines. The policy was written for excavation – standard you would think as the client does have to excavate in order to lay the conduit pipes. The risk, however, needed to be classified as boring as the client uses a horizontal drilling method to install the pipe. The loss incurred was in the thousands of dollars and when questioning his agent on why the claim was not paid all he got was a run around.

Our Difference

Every agency makes the claim of being able to tailor meet your commercial insurance needs. At Oakdale we prove it by going an extra step in understanding your business better. Whether it is insurance for a building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business.  Our expertise and understanding of the risks in the markets we serve enable us to tailor coverage to specific customer needs including group health and life insurance products.

Residential Mortgages

We specialize in providing clients home mortgages and provide a vast array of products that are specifically designed to help with acquisition or refinancing needs. Our Mortgage products can help those with good and bad credit and range from conventional conforming loans to super jumbo. We are able to help the wage earner and specialize to assisting self-employed individuals with the need for Jumbo or super jumbo loans.

CASE STUDY

“Complex, yet so simple”

The income from various corporations became a huge obstacle for a client to get a $2 Million refinance approved. Our underwriting capability was able to show an underwriter the actual income flowing to the client and we were able to save the client almost 2% in annual interest.

Our Difference

Complexities are frowned upon in a fast paced environment as they create an element that needs time and dedication to deciphering. At Oakdale we take the time to understand the complex sources of income which a lot of self-employed individuals have. Multiple corporate holdings, foreign income and complex investment structures are not an issue as our underwriting processes are unique and we are able to clarify income models with ease and accuracy.

Financial Products should provide solutions for the borrower and should meet their goals and objectives as not every borrower needs a 30 year fixed rate. At Oakdale we are able to customize the right product to meet your particular needs.

Commercial Loans

We assist businesses access essential financing needed to succeed. We can provide U.S. based clients with commercial mortgages, equipment financing, leasing, factoring of accounts receivable, working capital loans, collateral-based financing, and small business lending. Whether the needs are simple or complex, Oakdale Group is able to assist in finding the best possible financial solution. Our team has years of experience in procuring the right capital for a company and can prepare creative funding solutions to fit these needs. Oakdale Group can also work with companies needing specialized assistance including bank workouts, foreclosure workouts and bankruptcies.

CASE STUDY

“Your interest is our concern”

A client with multiple fast food franchise locations approached us to better understand how they could maximize cash flow as they did not qualify for the loans necessary for further expansion. The bank they were with did not use a straight amortization schedule and therefore the client had to include a larger principal payment every month. This combined with the fact that the interest rate being charged was higher than market was the main reason for the strain on cash flow.

Our Solution: We assisted placing the loan with another lender with an interest rate 20% less than what was being paid currently combined with a longer amortization schedule. The savings in interest and the lower debt payment increased cash flow whereby qualifying the business for a line of credit for continued expansion. The overall impact resulted in a 8% growth in the first year of operations after the debt restructuring and an increase in net cash flow of over 12% to bottom line with no additional capital required on the part of the client.

Our Difference

Every business evolves through time and the need for additional capital to grow the company or to manage certain life cycle events is eminent. Oakdale Group takes commercial loans a step further… we analyze the necessity of additional debt on an annual basis whereby being proactive in growth strategies for our clients. Our reoccurring services include the annual review of loan performance, the analysis of debt capacity and the analysis of change in debt vehicles to manage anticipated changes and growth.

Accounting

Our objective is to assist business owners to reduce time spent on non-essential tasks, enabling them to focus on core business function to increase profitability. By offering a full range of bookkeeping and accounting services for small to mid-sized businesses, Oakdale partners with you as your bookkeeper, accountant, controller, business advisor, part-time CFO. We can help you manage key non-core functions so you can concentrate efforts on maximizing your core business, which is essential to businesses that are positioned for growth.

Our Difference

As a single source financial services provider, Oakdale is able to use the various services to assist clients maintain financial viability in the present while planning a decisive approach to achieve future goals.

Investments / Private Equity

From time to time, Oakdale clients have projects that require equity partners. These offerings are for accredited investors only. To register to be included in our list of approved business partners please fill out the following form so someone can get in touch with you when an opportunity is made available.

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