Oars Capital
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About
Oars Capital provides discretionary investment management and broader wealth-planning services to individuals and families, working with both retirement-age and working-age clients. The firm also advises a limited number of 529 and annuity accounts and is compensated through advisory fees based on assets under management.
The firm offers two primary approaches: an ETF-based asset allocation model with periodic rebalancing used by the majority of clients, and a tactical security-selection strategy grounded in fundamental value for more active mandates. Oars typically manages portfolios with a multi-year horizon and may employ options and other derivatives in separately managed accounts as hedging tools, a practice that is uncommon among peer advisers.
The firm’s profile is distinctive for its high assets under management relative to the size of its advising team—nearly $398 million under management with a single principal—resulting in an unusually large AUM-per-advisor ratio. The principal’s prior hedge fund and investment banking experience informs the firm’s use of derivatives, and the firm occasionally provides consulting and tax/accounting services to certain clients and external parties, activities not commonly found among similarly sized independent advisers.
Client services
Expertise
Fee options
Up to 1.50% annually, billed quarterly at 0.375% per quarter
Main office
6 North Baltimore Street, Suite 3
Dillsburg PA 17019
Advisors at this office
2
Most active in
California · District of Columbia · Florida · Maryland · New York · Pennsylvania · Texas · Virginia
Also doing business as
Marc Smith Investments · Oars Capital · Red Wave Investments · Red Wave Investments LLC
Disclosures
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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.
Advisors at this firm
Kimberly S
CFP®, Series 63, Series 65
Dillsburg, PA
Oars Capital
Kimberly Schneider is a CFP® with 16 years of industry experience. She is the principal advisor at Oars Capital, where she has worked since 2026. Her prior roles include positions at The Vanguard Group and New York Life Insurance Company. Oars Capital provides discretionary investment management and wealth-planning services to individuals and families, serving both retirement-age and working-age clients. The firm employs ETF-based asset allocation and tactical security-selection strategies, and its use of derivatives as hedging tools distinguishes it within its peer group.
Marc S
Series 63, Series 65
Dillsburg, PA
Oars Capital
Marc Smith is a financial advisor at Oars Capital with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Red Wave Investments and operated his own firm, Marc Smith Investments. Oars Capital serves individual and family clients with discretionary investment portfolio management and integrated financial planning. The firm manages approximately $360 million in assets, employing ETF-based asset allocation and tactical value-oriented security selection strategies within a total-portfolio framework.
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