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White Oak Financial Management, Inc

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Client assets under management

$141,721,904

Clients

350

11% high-net-worth

Advisors

3

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

More info

Clients per advisor

117

Very High

Average account size

$404,920

About

White Oak Financial Management provides personalized financial strategies and investment management to individuals, trusts, estates, charitable organizations, and small businesses, and offers planning services covering cashflow, education funding, retirement, tax and estate matters while relying on outside CPAs and attorneys for tax and legal advice. The firm operates on a fee-based model and discloses that, in addition to asset-based advisory fees through its WHITE OAK Asset Management wrap program, its representatives may also receive commission-based compensation from the sale of insurance products and annuities.

The firm combines strategic and tactical asset allocation with an emphasis on risk management and capital preservation, constructing portfolios from individual stocks and bonds, ETFs, mutual funds, REITs, MLPs and, at times, options and interval funds. Tactical adjustments use relative strength and technical charting support (including Dorsey Wright and The ShermanSheet) alongside fundamental and qualitative analysis for security selection, and portfolios are monitored and rebalanced periodically.

Compared with many peers, White Oak sponsors its own wrap-fee Asset Management Program and is a duly licensed insurance agency whose advisors may receive commissions from insurance and annuity sales, a relationship the brochure identifies as a potential conflict of interest. The firm also recently moved its advisory fee calculation to an average daily balance methodology, and describes the use of AI and other technology to support operational and analytical functions with human oversight.

Client services

Financial planning Portfolio management Educational seminars or workshops Investment consulting

Expertise

Passive / index investing Active portfolio management

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Fee options

Percentage

$0.00 - $500,000: 2.0% $500,001 - $750,000: 1.7% $750,001 - $1,000,000: 1.5% $1,000,001 - $3,000,000: 1.2% $3,000,001 - $5,000,000: 1.0% Over $5,000,000+: 0.7%

Commissions

Commission-based compensation from sale of insurance products and annuities.

Project-based

Retainer agreement fees normally $300 per hour, negotiable.

Main office location

White Oak Financial Management, Inc

1270 Hendersonville Road, Suite #4

Asheville NC 28803, United States

Number of offices

1

Most active in

More info

Colorado · Florida · Louisiana · New York · North Carolina · South Carolina · Tennessee · Texas · Virginia

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Website 828-274-7844

Advisors at this firm

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user avatar

Laura M

Series 63, Series 65

Asheville, NC

White Oak Financial Management, Inc

Laura Mccue is a financial advisor with White Oak Financial Management, Inc. in Asheville, NC, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with White Oak Financial Management since 2003. In addition to her advisory role, she is also an independent insurance agent offering life insurance, fixed annuities, and long-term care insurance. White Oak Financial Management provides personalized financial strategies and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes risk management and capital preservation through a combination of strategic and tactical asset allocation, utilizing a range of investment vehicles and employing both quantitative and qualitative analysis in portfolio management.

Passive / index investing Active portfolio management
user avatar

Brent F

CFP®, Series 66

Asheville, NC

White Oak Financial Management, Inc

Brent Ford is a CFP® and holds a Series 66 license with 19 years of industry experience. He has been with White Oak Financial Management, Inc. since 2015. White Oak Financial Management provides personalized financial strategies and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes risk management and capital preservation through strategic and tactical asset allocation, utilizing a range of investment vehicles and periodic portfolio rebalancing.

Passive / index investing Active portfolio management
user avatar

Luke G

Series 63, Series 65

Asheville, NC

White Oak Financial Management, Inc

Luke Gerolimatos is a financial advisor at White Oak Financial Management, Inc with six years of industry experience. He holds Series 63 and Series 65 designations and has worked at W&S Brokerage Services and Western & Southern Life. Outside of finance, he contributes to Mountain Area Community Services, providing support and input for individuals with disabilities. White Oak Financial Management offers personalized financial strategies and investment management to individuals, trusts, estates, charitable organizations, and small businesses. The firm emphasizes risk management and capital preservation through a combination of strategic and tactical asset allocation, utilizing a variety of investment vehicles and periodic portfolio rebalancing.

Passive / index investing Active portfolio management
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