Financial planning that matches your ambition.

Our Process

We’re passionate about good financial advice. Helping you achieve and do more is what drives us.

How you earn, spend, and invest your income will determine your future lifestyle. We approach planning with a pragmatic, data-driven mindset using a fact-based process to determine the best path for you. It begins with an empathetic discovery session to help us understand your goals and give you a higher probability of success in retiring early.

What to expect—
1. Intro Meeting

You’ll give us with a few details about your financial life so we can provide an initial assessment of how we can help. We get to know each other and answer your questions.

2. Onboarding

After determining if a relationship makes sense, we’ll welcome you into the Bull Oak family. It’s easy and painless. We take care of the details.

3. Discovery

We start with a mind-mapping session and throw everything on a whiteboard. We’ll dig into why you’ve worked hard for your money and what it’s all for.

4. Strategy & Design

We’ll create a plan to achieve your version of success. This is a jumping-off point. It’s not a document that collects dust—it’s a methodology.

5. Action

Bull Oak will continually oversee and optimize your finances. But beyond the work we do behind the scenes, we’ll also meet with you throughout the year.

Annual Meeting
Q2 – Q3
Tax Planning
Investment Philosophy

When we invest, we focus on three principles: diversify efficiently, favor small value-based stocks, and systematically manage risk.

1. Diversify

Nobody can reasonably predict which individual security, sector, or asset class will outperform the others. The markets are very efficient. As such, it makes sense to diversify.

We diversify across asset classes, such as stocks, bonds, and alternatives: US Stocks, Developed Market Stocks, Emerging Market Stocks, US Government Bonds, International Government Bonds, Investment Grade Corporate Bonds, High Yield Bonds, Treasury Inflation-Protected Securities, Real Estate Investment Trusts, Cryptocurrencies, and more.

It is important to note that while we invest in emerging market stocks, we intentionally do not invest in Chinese or Russian stocks. For more on this decision and the reasons why, read on here.

Many investors make big bets, often without knowing it, typically on a particular company, country, or asset class. By diversifying properly, we help our clients avoid this mistake. We rely heavily on low-cost, passive ETFs (Exchange Traded Funds) to accomplish this.

2. Small & Value

Small company stocks have been empirically proven to outperform large ones in some economic environments. Risk can partially explain this—small companies are inherently riskier, so investors demand a premium.

The same can be said about value stocks. Cheaper companies with higher profitability levels have a higher expected return than growth stocks.

When the economic environment is right, usually after a market downturn, we will increase the allocation to small-cap value stocks and capture a much larger share of this performance.


3. Opportunistic Allocation

Bear markets can be unnerving, pushing many to sell in panic—yet these downturns are usually short-lived compared to the ensuing bull markets. For example, those who sold during the 2020 early pandemic selloff missed the incredible ensuing market recovery.

We buy during significant market weakness and leverage the wisdom of being contrarian. As Warren Buffet famously said, be greedy when others are fearful.

This means consistently purchasing through market dips to benefit from the eventual upswings. Such a strategy aims not just for recovery but for capturing above-average gains by capitalizing on these inevitable cycles of market volatility.


Common concerns we can help with:
  • How much do I need to retire early?
  • Am I using my income wisely?
  • Do I have the right mix of assets?
  • How can I lower my taxes?
  • Am I taking on too much risk? Not enough?
Our Fees

Bull Oak’s fee structure is designed to be simple, fair, and transparent. We aim to build long-term relationships and provide outsized value compared to our cost. As an independent fee-only firm, we don’t accept commissions or kickbacks for any investment or planning recommendation we make.

Our services begin at $12,000/year and include optional portfolio management. There’s a 0.00% management fee on up to $1m of assets and 0.35% after that.

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