Red Oak Capital Advisors

Red Oak Capital Advisors provides investment management, financial planning, and consulting to individuals, trusts, estates, and business entities. The firm manages roughly $10.2 million in client assets for a small client base (about 19 clients) and offers ongoing planning as well as one‑time engagements.

The firm’s investment process begins with a strategic asset allocation and construction of a baseline portfolio that is customized to each client, generally using fundamental analysis and periodic rebalancing; recommended holdings can include bonds, ETFs, closed‑end funds, and mutual funds. Although the adviser can accept discretionary authority, the majority of assets reported are managed on a non‑discretionary basis (approximately $7.6M non‑discretionary vs. $2.6M discretionary), so many trades and implementations require client consent.

A distinctive feature disclosed in the brochure is an affiliation with an accounting firm: the firm’s principal is a shareholder in a separate CPA practice that provides tax and estate planning services, and the two businesses may recommend each other (the brochure discloses this reciprocal referral potential and notes no referral fees are paid). The principal also holds both accounting and financial planning credentials and has unrelated ownership interests in real estate entities (clients are not able to invest in those entities), all of which are disclosed as other business activities.