Broker Check

Overcome your fear of the markets with history Featured News and Insights Are you a millennial? How can you invest in water?

Income Planning






Starting the Process

Oxford Financial - Integrous Investing

Oxford Financial aims to be the action of integrity. This is why our slogan and approach is"Integrous Investing" Click here to learn what makes Oxford Financial different. Experience what it's like to be one of our clients. I hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. Our team is available to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation.

Our stated investment philosophy is: “Risk management is paramount to investment success.” Unfortunately, though, many investors take more risk than is necessary to accomplish their goals. My team and I educate clients on products, strategies, and services so that they can confidently make prudent investment decisions. We have compiled a wealth of information in the form of newsletters, articles, and research reports to assist you with your financial planning and frequently update the information on this site. We hope you'll visit us often. Please contact us at your convenience. Clint D. Gharib.

The inclusion of a wealth manager on The FIVE STAR Wealth Manager Award responses from the survey used may not represent the experience of all clients. The rating is not indicative of the wealth manager's future performance.

Contact Us

Download Our Free App

We've built a handy mobile app that allows you to easily stay in touch with us on-the-go wherever you are. Ask us questions, send and receive secure messages, request an appointment, get directions to our office, receive helpful notifications, and more.

Download our app on the App Store! Download our app on Google Play!

Helpful Content

A Brief Guide To Condo Insurance

A Brief Guide To Condo Insurance

Important items to consider when purchasing condo insurance.

What Our Kids Can Teach us About Saving Money

What Our Kids Can Teach us About Saving Money

Would you guess that Millennials are effectively saving for retirement? Well, they are.

Women and Retirement

Women and Retirement

Women must be ready to spend, on average, more years in retirement than men.


Gun Ownership and Your Homeowners Policy

Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.

Making Sense Of A Home Warranty

Understanding the value of a home warranty.

What Do Your Taxes Pay For?

Here's a breakdown of how the federal government spends your tax money.

Global vs. International: What’s The Difference?

International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.

The Value of Insuring Against Life’s Risks

Building wealth requires protection from the forces of wealth destruction.

A Look at Diversification

Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.

View all articles arrow

Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

Comparing Investments

This calculator compares the net gain of a taxable investment versus a tax-favored one.

Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

View all calculators arrow

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

View all presentations arrow

Global and International Funds

Investors seeking world investments can choose between global and international funds. What's the difference?

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

Extended Care: A Patchwork of Possibilities

What is your plan for health care during retirement?

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, cracking the code on bonds.

Women and Retirement

Women must be ready to spend, on average, more years in retirement than men.

View all videos arrow