Pacific Oak Financial Planning LLC

Pacific Oak Financial Planning LLC serves individual investors and small- to mid-sized employer clients, offering comprehensive financial planning, wealth management, portfolio management and retirement plan consulting. The firm implements investment management through third‑party platforms and outside managers (including relationships with First Ascent and Altruist) and, as disclosed in its brochure, managed roughly $7.7 million for about ten clients as of the reported date.

Its investment approach blends a core‑and‑satellite structure and Modern Portfolio Theory with a mix of fundamental, technical and cyclical analysis, favoring diversified index ETFs for core exposures and selected active satellites. Portfolios are customized to client objectives, monitored regularly, and may be managed on a discretionary basis via model allocations and outside sub‑advisors with periodic rebalancing and attention to tax considerations.

What distinguishes the firm from many peers is its affiliation with an accounting and tax practice led by a CPA, allowing coordination of tax and planning work under separate engagement agreements, and its offering of retirement plan consulting (including 3(21) plan services) to plan sponsors — services the firm’s ADV notes are less common among independent advisors. These overlapping services create potential conflicts that the firm discloses in its brochure and positions as part of an integrated planning capability for clients who engage both advisory and tax/accounting work.