{"url":"https://nivawealth.com/firms/old-oak-financial-planning-122500","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/122500","regulatoryAum":160293816,"crd":"122500","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1522425","suffix":null,"lastName":"GARBACIK","firstName":"MARK","middleName":"EDWARD"},{"crd":"7613829","suffix":null,"lastName":"Starr","firstName":"Stacy","middleName":"Ray"}],"total":2,"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":"2021-02-22","regulatoryAum":124776247,"clients":303,"employees":2,"offices":1},{"filedOn":"2022-02-28","regulatoryAum":138081041,"clients":242,"employees":1,"offices":1},{"filedOn":"2023-02-23","regulatoryAum":112835966,"clients":238,"employees":2,"offices":1},{"filedOn":"2024-03-12","regulatoryAum":134659790,"clients":260,"employees":2,"offices":1},{"filedOn":"2025-03-11","regulatoryAum":153328261,"clients":260,"employees":2,"offices":1},{"filedOn":"2026-03-09","regulatoryAum":160293816,"clients":264,"employees":2,"offices":1}],"secFileNumber":"801-117480","legalName":"Old Oak Financial Planning, Inc.","displayName":"Old Oak Financial Planning","slug":"old-oak-financial-planning-122500","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan corporation","fiscalYearEnd":"December","headquarters":{"street":"7077 Fieldcrest DR., Suite 400","city":"Brighton","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48116"},"tradeNames":[],"registration":{"secApproved":"15 October 2019","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":607173.5454545454,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":160293816,"discretionary":102994158,"discretionaryAccounts":399,"nonDiscretionary":57299658,"nonDiscretionaryAccounts":254,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":214,"regulatoryAum":57457568},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":102836248}],"feePrograms":[{"role":"main","program":"Investment management fee schedule","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015924","versionId":1015924,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-03-09","documentName":"OLD OAK FINANCIAL PLANNING, INC","fee_rate_low":0.75,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive financial planning","summary":"Comprehensive financial planning is priced by the complexity of the plan, with a minimum fee of $800; half is payable at signing and advance payments do not exceed $1,200.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015924","versionId":1015924,"submittedOn":"2026-03-09","documentName":"OLD OAK FINANCIAL PLANNING, INC"},{"role":"other","program":"Hourly planning","summary":"Hourly fees of $125 per hour cover plan reviews, monitoring of current finances, specific planning items and modular plans for clients starting out.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015924","versionId":1015924,"submittedOn":"2026-03-09","documentName":"OLD OAK FINANCIAL PLANNING, INC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:38:11.167402+00:00","documents":[{"name":"OLD OAK FINANCIAL PLANNING, INC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015924","versionId":1015924,"submittedOn":"2026-03-09"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":155201118}],"custodyNote":"Old Oak Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Mark Garbacik","title":"President/Chief Compliance Officer","crd":"1522425"},{"name":"Stacy Starr","title":"Registered Investment Advisor","crd":"7613829"}],"ownership":[{"label":"Mark Garbacik","detail":"President/chief compliance officer in the 75% or more ownership band, since January 2022."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"7077 Fieldcrest DR., Suite 400","city":"Brighton","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"810-220-4400","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":13},{"label":"Non-exchange-traded equity securities","percent":14},{"label":"Cash and cash equivalents","percent":25},{"label":"Other","percent":48,"detail":"Mutual Funds"}],"privateFunds":0},"sources":{"adv1FilingDate":"9 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/122500/PDF/122500.pdf","brochureDate":"9 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015924","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 Old Oak Financial Planning have?","answer":"Old Oak Financial Planning has 264 clients and manages $160 million for them, as of March 2026. They include 214 individual clients and 50 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Old Oak Financial Planning offer?","answer":"Old Oak Financial Planning provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Old Oak Financial Planning charge?","answer":"Old Oak Financial Planning charges 0.75%–1.25% for its Investment management fee schedule. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.","source":"OLD OAK FINANCIAL PLANNING, INC, filed 9 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Old Oak Financial Planning use?","answer":"Old Oak Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $155M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Old Oak Financial Planning have?","answer":"Old Oak Financial Planning has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 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 Old Oak Financial Planning invest in?","answer":"At the end of its last fiscal year, Old Oak Financial Planning’s separately managed accounts held 48% other, 25% cash and equivalents, 14% non-exchange-traded equities and 13% exchange-traded equities. The 48% other category is described as: Mutual Funds.","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 Old Oak Financial Planning?","answer":"Old Oak Financial Planning’s direct owner is Mark Garbacik (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Old Oak Financial Planning get paid?","answer":"Old Oak Financial Planning is paid through a percentage of assets under management, hourly charges 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 Old Oak Financial Planning?","answer":"Old Oak Financial Planning’s main office is at 7077 Fieldcrest DR., Suite 400, Brighton, MI 48116. Its phone number is 810-220-4400.","source":"Form ADV Part 1A, Item 1.F, filed 9 March 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."}