Wealth Management

At its core, a wealth management plan is centered on your answers to the question:
“What is important to you?”

We believe a wealth management plan is comprised of three essential elements:

    • A comprehensive financial and retirement plan
    • Sound investment management
    • Two-way, on-going communication between you and First Oak

This robust level of relationship allows us the most insight into your financial planning needs. Through years of experience, we have found that results are maximized when we partner with you and have a complete understanding of your vision, challenges, fears and financial objectives.

Our approach to wealth management includes the entire life cycle of wealth:

    • Creation
    • Preservation
    • Distribution

For each phase in the cycle, we will create strategies to minimize taxes, monetize and protect assets, maximize growth and ultimately transfer wealth.

Financial and Retirement Planning

Your financial plan is the comprehensive roadmap that will guide your financial life and includes investment management, tax planning, cash flow analysis, risk tolerance assessment and estate planning considerations. We start each financial plan by determining where you are today:

Wealth Creation: For most people, this is the time in their life when they are actively earning and adding to their wealth and investments.

Wealth Preservation: During this phase, typically considered retirement, most people are leveraging their created wealth to provide for their desired lifestyle.

Wealth Distribution: There are many ways to transfer wealth such as through wills, trusts, charitable giving and more. While wealth distribution can occur during the two phases above, most plan for wealth transfer to occur after their passing.

Once we determine where you are and where you would like to go, we’ll work with you to analyze your income and cash flow needs, keeping in mind common financial plan elements such as:


    • Retirement and education funding
    • Insurance needs and asset protection
    • Tax, estate and long-term care planning
    • Charitable giving
    • Wealth distribution

Investment Planning

As an independently-owned, fee-only firm, First Oak is not incentivized to recommend specific investments or commission-based financial products. Your investment strategy is built solely based on your needs and priorities.

When planned, implemented and rebalanced appropriately, investing your wealth can be a key source of financial growth over the long-term. We see investment management and your financial plan as critically-linked elements.

Our approach to investment management is based on:

    • Personalized account planning – there are no “one-size-fits-all” solutions
    • Risk minimization
    • Disciplined money management
    • Tax efficiency
    • Low expenses

To develop your customized investment management plan, our team develops a unique asset allocation strategy, which balances the need for growth with the desire to minimize risk. Investing always involves risk. In fact, too little risk can itself be your biggest risk. For example, while a portfolio made up entirely of stocks is exposed to market risk, one comprised of 100% cash may not last through retirement.

The primary investment vehicles used by First Oak have been thoroughly researched and vetted to ensure a commitment to integrity and values that are consistent with ours.

Charitable Giving

For us, charitable giving is a passion. When our clients feel the same way, we partner with them to help them give more of their time and resources where it matters to them and where it matters most. We also believe people would give more if they understood the wide variety of charitable giving options and how those options fit into a comprehensive retirement and wealth management plan.

We encourage clients to talk about their charitable giving goals and see what opportunities there are to maximize the impact and effectiveness of their charitable giving. We can partner with you to:

    • Discuss your short-term and long-term charitable giving goals
    • Optimize the tax-efficiencies of your charitable giving
    • Uncover additional retirement income from charitable giving
    • Incorporate charitable giving into your estate plan