OxenFree Capital provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1–10 clients last fiscal year.
OxenFree Capital reports 950 clients. They include 842 individual clients, 99 high-net-worth individuals and 5 charitable organizations. Of its assets, 81.1% ($202M across 1,590 accounts) are managed with discretion; $47.3M across 393 accounts are not. Of its clients, 1% are outside the U.S. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 89% | 43% |
| High-net-worth individuals | 10% | 57% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 842 | $107M | 42.8% | $127K |
| High-net-worth individuals | 99 | $142M | 57.0% | $1.44M |
| Charitable organizations | 5 | $258K | 0.1% | $51.5K |
| Corporations and other businesses | Fewer than 5 | $189K | 0.1% | $47.3K |
| Total | 950 | $250M | 100% | — |
- Clients
- 842
- Regulatory AUM
- $107M
- AUM share
- 42.8%
- Avg. per client
- $127K
- Clients
- 99
- Regulatory AUM
- $142M
- AUM share
- 57.0%
- Avg. per client
- $1.44M
- Clients
- 5
- Regulatory AUM
- $258K
- AUM share
- 0.1%
- Avg. per client
- $51.5K
- Clients
- Fewer than 5
- Regulatory AUM
- $189K
- AUM share
- 0.1%
- Avg. per client
- $47.3K
Total
- Clients
- 950
- Regulatory AUM
- $250M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
OxenFree Capital charges 0.90%–1.40% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable. The brochure also prices 5 other services, listed under fee details.
Fee details and sources
Other fees
- Asset Allocation Services
- Stand-alone asset allocation engagements are billed hourly at up to $1,000, a maximum that is negotiable based on scope and complexity.
- Estate Planning Facilitation Services
- Optional estate planning document facilitation is billed as a fee that covers third-party document preparation plus a markup, disclosed in advance and varying by document type and complexity.
- Financial Coaching Services
- Guided Growth costs $99 a month plus a $200 onboarding fee, or $1,000 a year with no onboarding fee; Momentum Path costs $175 a month plus a $200 onboarding fee, or $1,650 a year.
- Financial Consulting Services
- Stand-alone financial consulting is billed hourly at up to $1,000, a maximum that is negotiable based on scope and complexity.
- Financial Planning Services
- Stand-alone financial planning is billed hourly at up to $1,000, a maximum that is negotiable depending on scope and complexity.
James Phillips owns 75% or more of OxenFree Capital. The leadership team of OxenFree Capital includes President James Phillips and Chief Compliance Officer Luke Bunch. It has 8 employees.
Staff
- 8 employees
- 8 in advisory functions
- 3 state-registered reps
- 8 insurance agents
- Owns 75% or more of Oxenfree Capital LLC
James Phillips
Control person · since April 2023
OxenFree Capital’s regulatory assets grew Infinity× from $0 (July 2023) to $250M (June 2026); employees rose from 5 to 8. In 2023, Afa (Affinity Financial Advisors) ($466M in its last filing) joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jun 2026June 2026 | $250M | 950 | 8 | 2 |
| Jul 2025July 2025 | $168M | 686 | 8 | 3 |
| Jul 2024July 2024 | $121M | 561 | 5 | 3 |
| Jul 2023July 2023 | $0 | 0 | 5 | 3 |
Firms that joined
20231 joined
- Afa (Affinity Financial Advisors)Last filed AUM $466M
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, OxenFree Capital has 1 office, with 2 listed addresses in 1 state.
Florida · 2 listed addresses
- 1900 S. Harbor City BLVD., Ste. 111, MelbourneHQ
- 3925 Peppervine Drive, Orlando
Contact and registration details
- Legal name
- Oxenfree Capital LLC
- Headquarters
- 1900 S. Harbor City BLVD., Ste. 111, Melbourne, FL 32901-4725
- Website
- oxenfreefinancial.com
- Phone
- 321-722-7882
- @OxenFree-Financial
- SEC file
- 801-128275
- Structure
- Florida LLC
- Fiscal year end
- December
OxenFree Capital’s named custodian for separately managed accounts is Charles Schwab ($233M). OxenFree Capital has custody of $70.9M for 478 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $233M100%
At year end, OxenFree Capital’s separately managed accounts were mostly in funds (87%). Its reported 13F holdings for the quarter ended 30 June 2026 total $218M across 56 positions; the largest are EA Series Trust (20.9%), EA Series Trust (12.9%) and EA Series Trust (7.6%).
What the accounts hold
- Stocks6%
- Exchange-traded equities5%
- Non-exchange-traded equities1%
- Funds87%
- Registered funds86%
- Pooled vehicles1%
- Bonds8%
- U.S. government and agency bonds5%
- State and local bonds1%
- Investment grade corporate bonds1%
- High-yield corporate bonds1%
- Cash2%
How many clients does OxenFree Capital have?
OxenFree Capital has 950 clients and manages $250 million for them, as of June 2026. They include 842 individual clients, 99 high-net-worth individuals and 5 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 22 June 2026
What services does OxenFree Capital offer?
OxenFree Capital 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
How much does OxenFree Capital charge?
OxenFree Capital charges 0.90%–1.40% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable.
Which custodians does OxenFree Capital use?
OxenFree Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $233M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 June 2026
How many financial advisors does OxenFree Capital have?
OxenFree Capital has 3 investment adviser representatives registered with state securities authorities, out of 8 employees, and 8 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 8 employees are 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 OxenFree Capital invest in?
At the end of its last fiscal year, OxenFree Capital’s separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities, 5% U.S. government and agency bonds, 2% cash and equivalents, 1% non-exchange-traded equities, 1% state and local bonds, 1% investment grade corporate bonds, 1% high-yield corporate bonds and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns OxenFree Capital?
OxenFree Capital’s direct owner is James Phillips (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 22 June 2026
How does OxenFree Capital get paid?
OxenFree Capital 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
How do I contact OxenFree Capital?
OxenFree Capital’s main office is at 1900 S. Harbor City BLVD., Ste. 111, Melbourne, FL 32901-4725. Its phone number is 321-722-7882. Its website is oxenfreefinancial.com.
