Oake Financial LLC

Oake Financial is a state-registered independent advisory firm that provides discretionary investment management and project-based or ongoing financial planning to individuals, high-net-worth clients, and charitable organizations. Services cover portfolio management and a range of planning topics, including retirement, estate, tax-aware investing, college savings, cash-flow and debt management, and implementation support.

The firm primarily implements passive, Modern Portfolio Theory–based portfolios constructed with index mutual funds and exchange-traded funds while also drawing on fundamental, cyclical, and technical analysis as appropriate to tailor asset allocation and risk tolerance. It offers access to a broader set of instruments than many peers — including alternatives, options, corporate and municipal bonds — and discloses facilitation of limited exposure to bitcoin and other digital assets; custody and trade execution are generally handled through Charles Schwab, from which the firm receives institutional research and services.

Noteworthy features include that the firm’s principal holds both CFP and CFA credentials and combines behavioral finance coaching with hands-on plan implementation for a relatively small client base, supporting individualized advice. The firm does not sponsor wrap programs or charge performance-based fees, disclaims proxy voting for client securities, and states it will not accept client-directed brokerage arrangements that would interfere with its institutional custodian relationship.