Crystal Oak Wealth Management, LLC

Crystal Oak Wealth Management is an investment manager that provides discretionary asset management, financial planning and consulting, and retirement plan (ERISA) advisory services primarily for pooled and institutional plan clients, while also offering planning work that can serve individual needs. The firm’s ADV reports no assets under management and no client accounts as of the most recent filing.

The firm manages accounts on a discretionary basis and may use model portfolios available through a third‑party model marketplace and third‑party money managers, while retaining responsibility for suitability and overall client relationships. Its methods of analysis include fundamental, technical and charting approaches, with periodic reviews, rebalancing and the ability to accept client‑imposed restrictions.

Distinctive features relative to peers include providing ERISA 3(21) retirement plan consulting and limited‑scope fiduciary services (a service uncommon in this category) and an explicit practice of selecting and delegating to other advisers, including granting discretionary authority to those advisers. The firm also discloses non‑AUM billing options for planning work (hourly and fixed fees) and an affiliated insurance practice, each noted in the brochure as managed conflicts of interest under the firm’s policies.