Angel Oak Financial Services LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Angel Oak Financial Services LLC is a small, fee-only independent advisory firm that provides financial planning, consulting, and discretionary portfolio management to individuals and to small businesses. While the majority of independent firms focus solely on individual clients, this firm explicitly includes corporate or business clients and business-planning advice among its service offerings.
The firm’s sole adviser manages client assets on a discretionary basis and implements diversified, asset-allocation portfolios grounded in Modern Portfolio Theory, primarily using mutual funds and ETFs. The investment approach emphasizes long-term investing and downside protection, with portfolios monitored and rebalanced as client circumstances or market conditions warrant rather than on a rigid schedule.
Noteworthy elements include the firm’s small scale—one adviser and a modest client base—and its willingness to serve small businesses as well as individuals, a relatively uncommon feature for independent RIAs. The firm generally recommends a specific custodian for client accounts and receives non-monetary support services from that custodian, operates on a percentage-of-assets, fee-only model, and also offers standalone financial planning and hourly consulting.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.00% annually $1,000,000 - $2,000,000: 0.75% annually $2,000,000+: 0.50% annually
$250 per hour for financial planning and consulting services
Minimum fee: Minimum annual fee of $2,400, waivable or reducible at firm's discretion Fee-only: Financial planning hourly fees $250/hour; typical financial plan fees $3,000-$5,000
Main office
Montvale NJ
Advisors at this office
1
Most active in
New Jersey
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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