OxenFree Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$249,331,981
Clients
941
Advisors
8
of 8 employees
About
OxenFree Financial serves individual investors (including high‑net‑worth clients), charities, and businesses with discretionary portfolio management, financial planning, asset allocation advice, and related consulting services. The firm also provides financial coaching, educational seminars/workshops, estate‑planning facilitation, and introductions to third‑party retirement plan and specialized tax service providers.
The firm typically delivers tailored, account‑specific advice and manages accounts on a discretionary basis using mutual funds, ETFs, and model portfolios; for eligible clients it may implement limited listed‑options strategies (currently covered calls and cash‑secured puts on ETFs). OxenFree reviews accounts periodically and factors client objectives, risk tolerance, liquidity needs, and tax considerations into its recommendations, while noting that some services (e.g., cash management or PathFinder retirement accounts) are offered through third parties.
OxenFree is affiliated with OxenFree Tax LLC, which provides tax preparation and accounting services, and with OxenFree Technology LLC, which operates MyMOO, a free online financial‑education platform — affiliations the firm discloses and for which it describes controls to address conflicts of interest. The firm also makes third‑party programs available (including Flourish Cash and ACM’s PathFinder) and discloses ongoing referral or promotional compensation arrangements for some introductions, along with policies intended to manage the resulting conflicts.
Client services
Expertise
Fee options
Financial coaching packages: Guided Growth ($99/month + $200 onboarding or $1,000/year), Momentum Path ($175/month + $200 onboarding or $1,650/year); Estate planning facilitation fees vary based on documents requested.
$0 - $500,000: 1.40% $500,001 - $1,000,000: 1.15% $1,000,001+: 0.90%
Commissions earned by registered representatives who are licensed insurance agents; commission fees for sale of insurance products separate and in addition to advisory fees.
Up to $1,000 per hour for asset allocation, financial planning, and financial consulting services (negotiable).
Financial coaching monthly subscription fees: Guided Growth $99/month, Momentum Path $175/month.
Main office
1900 S. Harbor City Blvd., Ste. 111
Melbourne FL 32901-4725
Advisors at this office
8
Most active in
Florida · Georgia · Louisiana · North Carolina · Ohio · Pennsylvania · Tennessee · Texas
Also doing business as
Oxenfree Capital LLC · Oxenfree Financial
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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.
Quick links
Advisors at this firm
Gary S
CFP®, Series 63
Melbourne, FL
OxenFree Financial
Gary Steer is a CFP® professional with 24 years of experience in the financial industry. He is currently with OxenFree Financial, a firm he joined in 2024, after previously running Steer Financial Advisors and working at Cadaret, Grant & Co., Inc. He also serves as financial secretary for Rock Harbor Covenant Church and is involved with World Renewal International, a mission organization. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm delivers tailored advice and manages accounts using mutual funds, ETFs, model portfolios, and, for eligible clients, limited listed-options strategies, while also offering financial coaching and educational seminars.
Luke B
Series 65
Melbourne, FL
OxenFree Financial
Luke Bunch is a financial advisor at OxenFree Financial in Melbourne, FL, with three years of industry experience. He holds a Series 65 designation and previously worked at Affinity Financial Advisors and James Phillips P.A. Dba Phillips Financial Advisors, with prior experience at Leggett & Platt Inc. Outside of advising, he is a solutions architect for OxenFree Technology LLC, a fintech company, and he serves as treasurer for the Sanibel Cove Homeowners Association. He also owns and operates ALT Customs LLC, an online retail business focused on 3D printing. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, with periodic account reviews that consider client objectives, risk tolerance, and tax factors.
Garth M
Series 66
Melbourne, FL
OxenFree Financial
Garth Moreau is a financial advisor at OxenFree Financial in Melbourne, FL, holding the Series 66 designation with 18 years of industry experience. His prior roles include positions at Cetera, Affinity Financial Advisors, and Phillips Financial Advisors. Outside of his advisory work, he is also a licensed insurance agent selling life, annuities, and long-term care products, and serves as a notary public. OxenFree Financial serves individual investors, charities, and businesses with discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice and manages accounts using mutual funds, ETFs, and model portfolios, incorporating client objectives and risk tolerance into its recommendations.
John S
Series 65
Melbourne, FL
OxenFree Financial
John Sinchok is a financial advisor at OxenFree Financial in Melbourne, FL, holding a Series 65 credential with four years of industry experience. Before joining OxenFree Financial in 2023, he worked at James Phillips PA DBA Phillips Financial Advisors and Affinity Financial Advisors. Outside of financial advising, he is involved with OxenFree Technology LLC, a fintech company, where he serves as media and operations coordinator. OxenFree Financial serves individual investors, high-net-worth clients, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, and includes financial coaching and educational seminars as part of its service offerings.
Nathan K
Series 65
Melbourne, FL
OxenFree Financial
Nathan Kallal is a Series 65-licensed advisor with six years of industry experience. He is currently with OxenFree Financial, where he has worked since 2023, following prior roles at James Phillips PA DBA Phillips Financial Advisors and Affinity Financial Advisors. Outside of advising, he serves as an operations coordinator at OxenFree Technology LLC, a fintech company. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, model portfolios, and limited listed-options strategies, while also facilitating estate planning and financial education.
Andrew C
Series 65
Melbourne, FL
OxenFree Financial
Andrew Cettina is a financial advisor at OxenFree Financial with two years of industry experience. He holds a Series 65 designation and has worked at firms including EpicPRO Financial Management and SunTrust Bank. In addition to his advisory role, he serves as a project coordinator for SENA-Tech LLC, an electrical contracting company. OxenFree Financial serves individual investors, charities, and businesses with discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice and manages accounts using mutual funds, ETFs, model portfolios, and limited listed-options strategies, incorporating client objectives and risk tolerance into its recommendations.
James P
Series 63, Series 65
Melbourne, FL
OxenFree Financial
James Phillips is a financial advisor at OxenFree Financial in Melbourne, FL, holding Series 63 and Series 65 licenses with 19 years of industry experience. He has worked with multiple firms including Cetera, Affinity Financial Advisors, and McDaniel Knutson Financial Partners. Phillips serves on the boards of several nonprofit organizations, including the Fellowship of Christian Athletes and No Limits Academy, and is president of OxenFree Technology LLC, a fintech company. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, and includes limited listed-options strategies for eligible clients. OxenFree is affiliated with OxenFree Tax LLC and OxenFree Technology LLC, which deliver tax and financial education services.
Erik B
Series 65, Series 66
Melbourne, FL
OxenFree Financial
Erik Bryan is a financial advisor at OxenFree Financial in Melbourne, FL, holding Series 65 and Series 66 registrations with one year of industry experience. Prior to joining the firm, he worked for Brevard County Public Schools for 12 years. Outside of finance, he is the owner-operator of Brevard String Academy, a private music instruction business. OxenFree Financial serves individual investors, charities, and businesses by providing discretionary portfolio management, financial planning, and related consulting services. The firm offers tailored advice using mutual funds, ETFs, and model portfolios, and also provides educational seminars, estate-planning facilitation, and access to specialized tax and retirement services.
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