Live Oak Financial Management

The firm provides portfolio management and investment advisory services to individuals, small businesses, and non-profit organizations, offering both discretionary and non‑discretionary arrangements. It works with a very small client roster (six clients) and accepts accounts at relatively modest minimums with waivers available in select cases.

Investment decisions combine a top‑down fundamental approach that emphasizes credit and intrinsic‑value analysis with technical analysis and charting; the firm cites use of screeners, professional software, and credit‑default spreads as part of its process. Recommendations are generally limited to exchange‑listed stocks, mutual funds, ETFs, options, and bonds; the adviser does not use margin or other leveraged products and monitors client accounts on a daily basis, typically under discretionary authority.

The firm is newly formed but led by a principal with multi‑decade institutional experience, including senior portfolio management roles and founding a credit research firm, and it reports no disciplinary history and maintains a formal Code of Ethics. It also differs from many small independent advisers by compensating licensed financial professionals for client referrals, not offering wrapped fee programs, and arranging fee billing through client custodians rather than taking physical custody of assets.