Bull Oak Capital provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation. Financial planning was provided to 11–25 clients last fiscal year.
Bull Oak Capital reports 125 clients. They include 122 high-net-worth individuals and 3 individual clients. Of its assets, 100.0% ($262M across 397 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 2% | <1% |
| High-net-worth individuals | 98% | 100% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 3 | $1.04M | 0.4% | $346K |
| High-net-worth individuals | 122 | $261M | 99.6% | $2.14M |
| Total | 125 | $262M | 100% | $2.09M |
- Clients
- 3
- Regulatory AUM
- $1.04M
- AUM share
- 0.4%
- Avg. per client
- $346K
- Clients
- 122
- Regulatory AUM
- $261M
- AUM share
- 99.6%
- Avg. per client
- $2.14M
Total
- Clients
- 125
- Regulatory AUM
- $262M
- AUM share
- 100%
- Avg. per client
- $2.09M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Bull Oak Capital charges 0.00%–0.35% a year for its Assets Under Management Fee. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 0.00% |
| $1M and above | 0.35% |
Fee details and sources
Other fees
- Financial Planning
- Annual fixed financial planning fee, standard $15,500, billed monthly in arrears and increased 3.0% each calendar year.
Ryan Hughes owns 75% or more of Bull Oak Capital. Ryan Hughes is CEO. It has 7 employees, 4 of them in advisory roles.
Staff
- 7 employees
- 4 in advisory functions
- 4 state-registered reps
- Owns 75% or more of Bull Oak Capital, LLC
Ryan Hughes
Control person · since January 2014
- Owns 5% to 10% of Bull Oak Capital, LLC
Peter Campbell
since January 2024
Bull Oak Capital’s regulatory assets grew 2.3× from $116M (July 2022) to $262M (July 2026); clients rose from 81 to 125 and employees from 4 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jul 2026July 2026 | $262M | 125 | 7 | 1 |
| Mar 2025March 2025 | $196M | 109 | 6 | 1 |
| Jun 2024June 2024 | $157M | 98 | 4 | 1 |
| Jun 2023June 2023 | $140M | 94 | 3 | 1 |
| Jul 2022July 2022 | $116M | 81 | 4 | 1 |
Besides its headquarters, Bull Oak Capital has 0 offices, with 1 listed address in 1 state.
California · 1 listed address
- 16236 San Dieguito RD., Ste 4-21, Rancho Santa FeHQ
Contact and registration details
- Legal name
- Bull Oak Capital, LLC
- Headquarters
- 16236 San Dieguito RD., Ste 4-21, Rancho Santa Fe, CA 92067-5752
- Website
- bulloakcapital.com
- Phone
- 858-999-3550
- @bull-oak-capital
- SEC file
- 801-124736
- Founded
- 2014
- Structure
- California LLC
- Fiscal year end
- December
Bull Oak Capital’s named custodians for separately managed accounts are Altruist ($196M, 100%) and Charles Schwab ($0, 0%). Bull Oak Capital does not have custody of client assets.
- AltruistAltruist Financial LLC · Culver City, CA · $196M100%
At year end, Bull Oak Capital’s separately managed accounts were mostly in funds (95%). Its reported 13F holdings for the quarter ended 30 June 2026 total $300M across 40 positions; the largest are iShares TR (36.1%), iShares TR (13.0%) and Invesco Exch Traded FD TR II (10.2%).
What the accounts hold
- Stocks4%
- Exchange-traded equities3%
- Non-exchange-traded equities1%
- Funds95%
- Cash1%
How many clients does Bull Oak Capital have?
Bull Oak Capital has 125 clients and manages $262 million for them, as of July 2026. They include 122 high-net-worth individuals and 3 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 July 2026
What services does Bull Oak Capital offer?
Bull Oak Capital provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, philanthropic planning, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Bull Oak Capital charge?
Bull Oak Capital charges 0.00%–0.35% a year for its Assets Under Management Fee. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: BULL OAK CAPITAL - FORM ADV PART 2A, filed 3 April 2026
Which custodians does Bull Oak Capital use?
Bull Oak Capital’s separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $196M. The filing also lists Charles Schwab & Co Inc. with no separately managed account assets.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 July 2026
How many financial advisors does Bull Oak Capital have?
Bull Oak Capital has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Bull Oak Capital invest in?
At the end of its last fiscal year, Bull Oak Capital’s separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 1% non-exchange-traded equities and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Bull Oak Capital?
Bull Oak Capital’s direct owners are Ryan Hughes (75% or more) and Peter Campbell (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 13 July 2026
How does Bull Oak Capital get paid?
Bull Oak Capital is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Bull Oak Capital?
Bull Oak Capital’s main office is at 16236 San Dieguito RD., Ste 4-21, Rancho Santa Fe, CA 92067-5752. Its phone number is 858-999-3550. Its website is bulloakcapital.com.