David Cunningham

Our process will clarify your financial picture and help you understand what’s possible. We’ll provide expert advice and ongoing support for aligning your time and money with your values. We believe in taking a simple, disciplined approach that minimizes fees, taxes, emotional biases, and conflicts of interest. What sets Oakleigh apart? -We take a holistic approach to your well-being. What does it matter if you have climbed the ladder, saved money on taxes, and made better investment decisions if you haven't answered the deeper questions of "why" and "for what purpose?" - We are retirement income specialists. Navigating the transition to retirement requires a different set of skills than what got you here. - We are tax planning experts. While you were working, you likely had very little control over the taxes you owed, but this changes in retirement when you have multiple sources of income and more control over the timing and amount of taxes you pay. - We are fiduciaries. We are held to a higher standard than many advisors or financial salespeople affiliated with banks, brokerages, or insurance companies. As an independent investment advisor, we only answer to our clients. - We are flat-fee-only. "Fee-only" means that we're paid directly by our clients with no hidden commissions or kickbacks for selling certain products. We also charge a flat fee, not a percentage of your assets under management. Managing a $3 million portfolio is no more difficult for us than one that's $1 million. So why should you pay three times as much? - We know Social Security and healthcare. We'll help you decide when to take Social Security and can help you navigate Medicare and how to plan for health and long-term care. Contact us for a free consultation. Whether or not we are the right advisor for you, I would love to learn about your situation and help you find a skilled advisor who is committed to the same values of integrity, transparency, and expertise.

Philip Swann is a financial advisor with Well-Planned Financial LLC in Staunton, VA, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. His prior work includes roles at Providence Asset Management, Cetera Advisor Networks, and The Henderson Group, as well as over three decades with Swann Construction, Inc. He is the sole advisor at his independent firm. Well-Planned Financial LLC provides investment management and financial planning services to individual and high-net-worth clients, along with employee benefit plan consulting and implementation. The firm emphasizes passive portfolio construction using index funds and ETFs, incorporates third-party managers and model portfolios, and offers both discretionary and non-discretionary account management, with a notable focus on pension and profit-sharing plan clients and educational seminars.

Timothy Schenk is a financial advisor at Kuleana Capital Management LLC with seven years of industry experience. He holds a Series 65 designation and has been with Kuleana Capital Management since 2016. The firm manages approximately $70.7 million for about 35 clients, including individuals, institutions, and a private pooled investment vehicle. Kuleana Capital Management employs a research-driven, concentrated investment approach focusing on information technology and business services, utilizing equities, ETFs, options, and strategies such as short selling and margin in some accounts.

Gregory Harris is the sole advisor at Klaren Capital, an independent firm based in Waynesboro, VA. He holds a Series 66 designation and has 20 years of industry experience, including 17 years with Klaren Capital. Klaren Capital provides financial planning and portfolio management services to individuals as well as institutional and non-profit clients, including pension and profit-sharing plans, trusts, and foundations. The firm employs proprietary quantitative risk-management models and a long-term market-timing approach, utilizing exchange-traded funds alongside other investment vehicles to manage risk and achieve client objectives.

Timothy Armstrong is a CFP® with 19 years of industry experience, currently serving as the sole advisor at Armstrong Financial, Inc. in Crozet, VA. He has been with Armstrong Financial since 2015. Armstrong Financial provides investment advisory services to individual and high-net-worth clients, focusing on discretionary portfolio management, consulting, and financial planning. The firm combines passive investment vehicles with active strategies, including option-writing and technical analysis, aiming to tailor advice to client objectives using a mix of fundamental analysis and modern portfolio theory.

John Mumper is a financial advisor at Patina Wealth in Crozet, VA, holding a Series 65 designation with seven years of industry experience. He previously worked at Xenith Bank from 2011 to 2018 before joining Patina Wealth, where he has been since 2018. Patina Wealth serves individuals, including high-net-worth clients, pension and profit-sharing plans, businesses, and charitable organizations by providing portfolio management, financial planning, and investment consultation. The firm employs a long-term, buy-and-hold investment approach primarily using mutual funds and ETFs, and offers educational workshops and participant-focused retirement plan education.