White Oak Financial Management provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
White Oak Financial Management reports 350 clients. They include 310 individual clients and 40 high-net-worth individuals. Of its assets, 99.9% ($143M across 902 accounts) are managed with discretion; $130K across 3 accounts are not. A wrap fee program the firm both sponsors and manages holds $143M. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 89% | 35% |
| High-net-worth individuals | 11% | 63% |
| Charitable organizations | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 310 | $50.9M | 35.5% | $164K |
| High-net-worth individuals | 40 | $90.8M | 63.3% | $2.27M |
| Charitable organizations | Fewer than 5 | $1.77M | 1.2% | — |
| Total | 350 | $143M | 100% | — |
- Clients
- 310
- Regulatory AUM
- $50.9M
- AUM share
- 35.5%
- Avg. per client
- $164K
- Clients
- 40
- Regulatory AUM
- $90.8M
- AUM share
- 63.3%
- Avg. per client
- $2.27M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.77M
- AUM share
- 1.2%
- Avg. per client
- —
Total
- Clients
- 350
- Regulatory AUM
- $143M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
White Oak Financial Management is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and commissions. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Retainer Agreement
- Work under a Retainer Agreement, in place of an advisory agreement, is normally $300 per hour and is negotiable.
Laura McCue owns 50% to 75% of White Oak Financial Management. The leadership team of White Oak Financial Management includes President Priestley Ford and Chief Compliance Officer Brent Ford. It has 3 employees.
Leadership
Priestley FordVice President/COO
Laura McCuePresident/CEO
Brent FordTreasurer/Chief Compliance Officer/Managing Director
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 insurance agents
- Owns 50% to 75% of White Oak Financial Management, Inc
Laura McCue
Control person · since March 2003
- Owns 50% to 75% of White Oak Financial Management, Inc
Priestley Ford
Control person · since March 2003
White Oak Financial Management’s regulatory assets grew from $113M (March 2025) to $143M (January 2026); clients rose from 328 to 350 and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $143M | 350 | 3 | 1 |
| March 2025 | $113M | 328 | 4 | 1 |
Besides its headquarters, White Oak Financial Management has 0 offices, with 1 listed address in North Carolina.
North Carolina · 1 listed address
- 1270 Hendersonville Road, Suite #4, AshevilleHQ
Contact and registration details
- Legal name
- White Oak Financial Management, Inc
- Headquarters
- 1270 Hendersonville Road, Suite #4, Asheville, NC 28803
- Phone
- 828-274-7844
- @white-oak-financial-management
- SEC file
- 801-131079
- Structure
- North Carolina corporation
- Fiscal year end
- December
White Oak Financial Management uses Fidelity ($143M) as custodian for its separately managed accounts. White Oak Financial Management has custody of $30.1M in client assets for 67 clients.
- FidelityFidelity Brokerage Services LLC · Boston, MA · $143M100%
At year end, White Oak Financial Management’s separately managed accounts were mostly in stocks (52%) and funds (33%).
What the accounts hold
- Stocks52%
- Funds33%
- Registered funds31%
- Pooled vehicles2%
- Bonds2%
- Cash13%
How many clients does White Oak Financial Management have?
White Oak Financial Management has 350 clients and manages $143 million for them, as of January 2026. They include 310 individual clients and 40 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 13 January 2026
What services does White Oak Financial Management offer?
White Oak Financial Management provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does White Oak Financial Management use?
White Oak Financial Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Boston, MA), with $143M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 January 2026
How many financial advisors does White Oak Financial Management have?
White Oak Financial Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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 White Oak Financial Management invest in?
At the end of its last fiscal year, White Oak Financial Management’s separately managed accounts held 52% exchange-traded equities, 31% registered funds (mutual funds, ETFs, BDCs), 13% cash and equivalents, 2% U.S. government and agency bonds and 2% 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 White Oak Financial Management?
White Oak Financial Management’s direct owners are Laura McCue (50% to 75%) and Priestley Ford (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 13 January 2026
How does White Oak Financial Management get paid?
White Oak Financial Management is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no 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 White Oak Financial Management?
White Oak Financial Management’s main office is at 1270 Hendersonville Road, Suite #4, Asheville, NC 28803. Its phone number is 828-274-7844. Its website is whiteoakfinancialmanagement.com.