Bull Oak Capital, LLC

Bull Oak Capital, LLC is a financial advisory firm established in March 2014 and registered as an Investment Advisor with the SEC. The firm specializes in providing investment advisory services to individuals, high net worth individuals, and others, offering various tiers of services such as Core Planning, Professional, and Concierge services. Bull Oak's investment philosophy focuses on diversification and primarily utilizes Exchange Traded Funds (ETFs) in client portfolios, with additional options including equities, mutual funds, fixed income securities, and more. Clients have the option to engage in discretionary portfolio management services, where Bull Oak makes investment decisions on their behalf, aligning with each client's goals, risk tolerance, and time horizon. The firm operates as a fiduciary, acting in the best interests of clients and avoiding conflicts of interest. Bull Oak charges fixed annual fees for financial planning services, with additional asset-based fees for portfolio management services based on a client's assets under management. Clients have the right to direct which broker-dealer/custodian to use, and Bull Oak recommends Altruist Financial LLC as the custodian due to its competitive pricing and services. The firm does not participate in wrap fee programs and does not accept performance-based fees. Bull Oak provides regular account reviews, quarterly reports to clients, and upholds a Code of Ethics to ensure professional and ethical conduct. The firm also emphasizes client privacy and data protection, complying with federal and state laws regarding the collection, use, and safeguarding of personal information.