OLIO Financial Planning

OLIO Financial Planning

Founded in 2015 and operating from McLean and Blacksburg, Virginia, OLIO Financial Planning is a registered investment adviser that delivers financial planning to individuals, high-net-worth families, and corporations. It publicly breaks from the industry convention of layered AUM-based fees, describing its own model as a simple, technology-driven flat charge that keeps advisory cost transparent regardless of asset size. The shop frames its work around six planning domains: taxes, estate planning, cash management, insurance, investments, and retirement. OLIO’s investment approach is grounded in coordinated portfolio management and holistic planning rather than any single thematic or sector bet. The firm constructs client allocations that integrate cash-management strategy, insurance architecture, and tax-aware rebalancing alongside the investment portfolio. It serves clients across the Mid-Atlantic and Appalachian Virginia through its Tysons Corner and Blacksburg offices. The firm has not publicly disclosed specific fund structures, investment vehicles, or named direct holdings. The adviser operates a team-based service model where each client is matched to a group of specialists rather than a single planner, with the stated goal of ensuring continuous coverage across its six planning disciplines. Publicly available team rosters, specific professional headcount, and any affiliated philanthropic or operating entities are not disclosed. No materially dated operational event — such as a leadership change, new office opening, or regulatory filing of note — surfaced in the last 24 months. OLIO’s structural departure is its pricing architecture. Most RIAs in the high-net-worth segment earn revenue as a percentage of assets they manage; OLIO instead charges a flat, technology-supported retainer that it presents as a simpler alternative. The firm has a waiting list and a preliminary questionnaire that prospective clients complete before engagement, creating a structured intake funnel that contrasts with the referral-only posture common among peer boutiques.