Yellow Oak Financial Planning, LLC

Yellow Oak Financial Planning LLC focuses its practice on women navigating financial life transitions — including widows, divorced women, single heads of household, and married clients who prefer separate finances — though its services are available to any client. The firm offers fee-only financial planning (ongoing modular plans and one-time/project engagements) and discretionary investment management for individual investors.

The firm constructs personalized investment plans using asset allocation principles and a mix of passive and active strategies, tailoring portfolios to clients’ objectives, risk tolerance, and tax considerations. YOFP may implement portfolios directly or through outside managers and model portfolios available on the Altruist platform, and it provides ongoing monitoring and coordination with other professionals such as attorneys and tax preparers.

A distinctive feature is its affiliation with an accounting practice: the firm’s principal is a licensed CPA and the brochure discloses an affiliated accounting firm that provides tax return preparation, representation, and business tax services while the adviser provides personal tax planning and coordinates services under separate engagements. The brochure also highlights modular, fixed annual planning fees with a credited initial plan-design payment, an AUM credit for clients who combine planning and investment management, and the use of Altruist as primary custodian with Charles Schwab as a secondary custodian.