Oak Peak Financial

Oak Peak Financial is a California‑registered independent investment adviser that serves individual investors, some high‑net‑worth clients, and retirement plan sponsors. The firm provides fee‑only financial planning, investment consultation, and ongoing portfolio management, with retirement‑plan consulting described in a separate brochure.

The firm’s investment approach emphasizes Modern Portfolio Theory and fundamental analysis to construct diversified, tax‑efficient allocations that typically rely on low‑cost index funds and ETFs while allowing active mutual funds, individual equities, fixed income, REITs, and limited option strategies where appropriate. It begins engagements with a discovery interview, develops written investment guidelines and a recommended allocation, and generally implements and monitors portfolios on a discretionary basis with regular reviews and custodial/back‑office support through Altruist and Charles Schwab.

Notable distinctions include that the firm’s principal is an Enrolled Agent who provides tax return preparation under a separate engagement, an activity that may occupy a meaningful portion of the principal’s time, and membership in the Garrett Planning Network to support a fee‑only planning practice. The firm operates at a small scale—managing roughly $21.9 million for about 36 clients—and maintains policies (and occasional outside support) to address the conflicts inherent in a single‑advisor practice; it also does not vote client proxies, leaving those decisions to clients.