{"url":"https://nivawealth.com/firms/oak-city-consulting-162220","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/162220","regulatoryAum":1431568150,"crd":"162220","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7457358","suffix":null,"lastName":"DANFORTH","firstName":"BRETTON","middleName":"SAUNDERS"},{"crd":"2088668","suffix":null,"lastName":"ROGGENSACK","firstName":"ROSS","middleName":"PHILLIP"},{"crd":"6627521","suffix":null,"lastName":"WARD","firstName":"DANIEL","middleName":"ALEXANDER"}],"total":3,"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":"2021-03-09","regulatoryAum":690895266,"clients":48,"employees":5,"offices":1},{"filedOn":"2022-03-09","regulatoryAum":775550602,"clients":44,"employees":6,"offices":1},{"filedOn":"2023-03-15","regulatoryAum":765690797,"clients":44,"employees":6,"offices":1},{"filedOn":"2024-03-13","regulatoryAum":782530591,"clients":40,"employees":6,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":1263522562,"clients":46,"employees":6,"offices":1},{"filedOn":"2026-07-28","regulatoryAum":1431568150,"clients":46,"employees":6,"offices":1}],"secFileNumber":"801-74468","legalName":"Oak 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Bancorp","shortName":"U.S. Bancorp","location":"Pittsburgh, PA","smaAssets":435791584},{"name":"Commerce Bank","shortName":"Commerce Bank","location":"Kansas City, MO","smaAssets":124133350},{"name":"Truist Securities, Inc.","shortName":"Truist Securities","location":"Charlotte, NC","smaAssets":257565794}],"custodyNote":"Oak City Consulting does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Christina Baucom","title":"CCO","crd":"5647885"},{"name":"Bretton Danforth","title":"Owner","crd":"7457358"},{"name":"Ross Roggensack","title":"Managing Member, CEO, CIO, Owner","crd":"2088668"},{"name":"Melissa Smith","title":"Managing Member, CFO, Owner","crd":"6531324"},{"name":"Daniel Ward","title":"Owner","crd":"6627521"}],"ownership":[{"label":"Ross Roggensack","detail":"Managing member, ceo, cio, owner in the 75% or more ownership band and a control person, since March 2012."},{"label":"Melissa Smith","detail":"Managing member, cfo, owner in the 5% to 10% ownership band and a control person, since July 2015."},{"label":"Daniel Ward","detail":"Owner in the 10% to 25% ownership band and a control person, since January 2025."},{"label":"Bretton Danforth","detail":"Owner in the 10% to 25% ownership band and a control person, since January 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"9733 Fonville RD","city":"Wake Forest","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"919-844-6450","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Other"],"activities":["Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Selection 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They include 32 individuals and 14 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 28 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Oak City Consulting offer?","answer":"Oak City Consulting provides portfolio management for individuals and small businesses, portfolio management for institutions, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Oak City Consulting use?","answer":"Oak City Consulting’s separately managed account assets are held at U.S. Bancorp (Pittsburgh, PA), with $436M, Regions Bank (Mobile, AL), with $313M, Truist Securities, Inc. (Charlotte, NC), with $258M, Fidelity Brokerage Services LLC (Smihtfield, RI), with $195M and Commerce Bank (Kansas City, MO), with $124M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Oak City Consulting have?","answer":"Oak City Consulting has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 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 Oak City Consulting invest in?","answer":"At the end of its last fiscal year, Oak City Consulting’s separately managed accounts held 45% exchange-traded equities, 35% other, 8% U.S. government and agency bonds, 8% investment grade corporate bonds and 4% cash and equivalents. The 35% other category is described as: Real Assets (I.e. Farmland, Timber, Natural Resources, Real Estate)), Private Equity.","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 Oak City Consulting?","answer":"Oak City Consulting’s direct owners are Ross Roggensack (75% or more), Melissa Smith (5% to 10%), Daniel Ward (10% to 25%) and Bretton Danforth (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 28 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Oak City Consulting get paid?","answer":"Oak City Consulting is paid through a percentage of assets under management, fixed fees and other compensation. 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 Oak City Consulting?","answer":"Oak City Consulting’s main office is at 9733 Fonville RD, Wake Forest, NC 27587. Its phone number is 919-844-6450.","source":"Form ADV Part 1A, Item 1.F, filed 28 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}