{"url":"https://nivawealth.com/firms/bull-oak-capital-170325","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/170325","regulatoryAum":261648815,"crd":"170325","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6852999","suffix":null,"lastName":"Campbell","firstName":"Peter","middleName":"Stuart"},{"crd":"5430536","suffix":null,"lastName":"HUGHES","firstName":"RYAN","middleName":"ANTHONY"},{"crd":"8311019","suffix":null,"lastName":"Morgera","firstName":"Dana","middleName":null},{"crd":"7867144","suffix":null,"lastName":"STONER","firstName":"MICHAEL","middleName":"THOMAS"},{"crd":"8143742","suffix":null,"lastName":"Summers","firstName":"Colin","middleName":null}],"total":5,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-07-29","regulatoryAum":116234129,"clients":81,"employees":4,"offices":1},{"filedOn":"2023-06-16","regulatoryAum":139644753,"clients":94,"employees":3,"offices":1},{"filedOn":"2024-06-19","regulatoryAum":157106307,"clients":98,"employees":4,"offices":1},{"filedOn":"2025-03-20","regulatoryAum":196175570,"clients":109,"employees":6,"offices":1},{"filedOn":"2026-07-13","regulatoryAum":261648815,"clients":125,"employees":7,"offices":1}],"secFileNumber":"801-124736","legalName":"Bull Oak Capital, LLC","displayName":"Bull Oak Capital","slug":"bull-oak-capital-170325","website":"https://bulloakcapital.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/170325/09be07ca72e0a385-r1.webp","tone":"light","width":840,"height":200,"sourceUrl":"https://bulloak.com/","sourceLabel":"Bull OAK Capital, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/bull-oak-capital/","founded":"2014","organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"16236 San Dieguito RD., Ste 4-21","city":"Rancho Santa Fe","state":"CA","stateName":"California","country":"United States","postalCode":"92067-5752"},"tradeNames":[],"registration":{"secApproved":"25 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2093190.52,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":261648815,"discretionary":261648815,"discretionaryAccounts":397,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":3,"regulatoryAum":1036643},{"label":"High-net-worth individuals","clients":122,"regulatoryAum":260612172}],"feePrograms":[{"role":"main","program":"Assets Under Management Fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":0,"from":0},{"to":null,"pct":0.35,"from":1000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040281","versionId":1040281,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-04-03","documentName":"BULL OAK CAPITAL - FORM ADV PART 2A","fee_rate_low":0,"fee_rate_high":0.35,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Annual fixed financial planning fee, standard $15,500, billed monthly in arrears and increased 3.0% each calendar year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040281","versionId":1040281,"submittedOn":"2026-04-03","documentName":"BULL OAK CAPITAL - FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:53:59.366997+00:00","documents":[{"name":"BULL OAK CAPITAL - FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040281","versionId":1040281,"submittedOn":"2026-04-03"}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":196175570},{"name":"Charles Schwab & Co Inc.","shortName":"Charles Schwab","location":"El Paso, TX","smaAssets":0}],"custodyNote":"Bull Oak Capital does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Ryan Hughes","title":"Chief Executive Officer and Chief Compliance Officer","crd":"5430536"},{"name":"Peter Campbell","title":"Managing Member","crd":"6852999"}],"ownership":[{"label":"Ryan Hughes","detail":"Chief executive officer and chief compliance officer in the 75% or more ownership band and a control person, since January 2014."},{"label":"Peter Campbell","detail":"Managing member in the 5% to 10% ownership band, since January 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"16236 San Dieguito RD., Ste 4-21","city":"Rancho Santa Fe","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"858-999-3550","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":95},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"13 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/170325/PDF/170325.pdf","brochureDate":"3 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040281","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Bull Oak Capital have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bull Oak Capital offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Bull Oak Capital charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bull Oak Capital use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bull Oak Capital have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bull Oak Capital invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Bull Oak Capital?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bull Oak Capital get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Bull Oak Capital?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 13 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/bull-oak-capital-170325/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-10","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1824263/000182426326000004/0001824263-26-000004-index.html","totalValue":300200556,"positionCount":40,"top10Share":0.8737153404872441,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":108300349,"shares":144614,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":38924289,"shares":403026,"shareType":"SH"},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"S&P 500 MOMNTM","cusip":"46138E339","value":30531759,"shares":189004,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"TRUST ISHARE 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}