Oak Financial Planning

Oak Financial Planning offers comprehensive financial planning and investment management services. This includes retirement planning, investment portfolio construction, tax-aware strategies, and estate planning guidance. The firm operates as a planning-led practice, meaning financial planning forms the foundation of each client engagement rather than being secondary to product sales.

Based on its structure as an independent RIA in Maple Grove, Oak Financial Planning serves individual and family clients rather than institutional allocators. The firm's practice is built around personal financial planning and wealth management for households, not pension funds, endowments, or other institutional pools of capital.

As a registered investment advisor, Oak Financial Planning likely operates on a fee-only or fee-based model, charging clients a percentage of assets under management and/or flat fees for financial planning engagements. Specific fee schedules are not publicly disclosed but would be detailed in the firm's Form ADV Part 2A, available through the SEC's Investment Adviser Public Disclosure database.

Oak Financial Planning appears to operate as an independent registered investment advisor rather than as part of a bank, wirehouse, or insurance company. Independent RIAs of this type are owned by their principals and maintain custody of client assets through third-party custodians such as Charles Schwab, Fidelity, or Pershing, though the specific custodian relationship is not publicly confirmed.

The firm is based in Maple Grove, Minnesota, and its client base is concentrated in the Twin Cities metropolitan area. Maple Grove is a northwestern suburb of Minneapolis, and firms of this size and type typically serve clients within their immediate region through in-person meetings, though virtual service capabilities exist across the industry.