{"url":"https://nivawealth.com/firms/white-oak-financial-management-142615","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/142615","regulatoryAum":143496066,"crd":"142615","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5178547","suffix":"CFP","lastName":"FORD","firstName":"BRENT","middleName":"ADAMS"},{"crd":"7087840","suffix":null,"lastName":"Gerolimatos","firstName":"Luke","middleName":null},{"crd":"1641155","suffix":null,"lastName":"MCCUE","firstName":"LAURA","middleName":"CUMMINGS"}],"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":"2025-03-24","regulatoryAum":112742245,"clients":328,"employees":4,"offices":1},{"filedOn":"2026-01-13","regulatoryAum":143496066,"clients":350,"employees":3,"offices":1}],"secFileNumber":"801-131079","legalName":"White Oak Financial Management, Inc","displayName":"White Oak Financial 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negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001171","versionId":1001171,"submittedOn":"2026-01-12","documentName":"WHITE OAK FINANCIAL MANAGEMENT ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:30:46.411895+00:00","documents":[{"name":"WHITE OAK FINANCIAL MANAGEMENT ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001171","versionId":1001171,"submittedOn":"2026-01-12"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001420","versionId":1001420,"submittedOn":null}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":143365739}],"custodyNote":"White Oak Financial Management has custody of $30.1M in client assets for 67 clients.","otherCustodians":[],"leadership":[{"name":"Priestley Ford","title":"Vice President/COO","crd":"4669597"},{"name":"Laura McCue","title":"President/CEO","crd":"1641155"},{"name":"Brent Ford","title":"Treasurer/Chief Compliance Officer/Managing Director","crd":"5178547"}],"ownership":[{"label":"Laura McCue","detail":"President/ceo in the 50% to 75% ownership band and a control person, since March 2003."},{"label":"Priestley Ford","detail":"Vice president/coo in the 50% to 75% ownership band and a control person, since March 2003."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"1270 Hendersonville Road, Suite #4","city":"Asheville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"828-274-7844","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Commissions"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":52},{"label":"U.S. government/agency bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":31},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":2},{"label":"Cash and cash equivalents","percent":13}],"privateFunds":0},"sources":{"adv1FilingDate":"13 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/142615/PDF/142615.pdf","brochureDate":"12 January 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does White Oak Financial Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does White Oak Financial Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does White Oak Financial Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does White Oak Financial Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns White Oak Financial Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does White Oak Financial Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact White Oak Financial Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 13 January 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."}