Oak Wealth Advisors

The firm applies evidence-based portfolio construction using Dimensional Fund Advisors and Vanguard funds, tilting portfolios toward value, small-cap, and profitability factors. This passive-plus approach avoids market timing in favor of systematic rebalancing aligned to each family's long-duration care obligations.

Oak Wealth Advisors analyzes every client portfolio against Social Security, Medicaid, SSI, and ABLE account rules. The planning team models how distributions might affect means-tested benefits and structures special needs trusts to preserve eligibility while funding lifetime care gaps.

It operates as a fee-only registered investment advisor, not a family office. The firm serves multiple households from a single advisory platform, but its narrow special needs focus and holistic planning model share characteristics with a boutique multi-family office.

Founder Mike Walther leads the investment committee and sets the firm's strategic asset allocation. The firm relies on Dimensional Fund Advisors for underlying fund management rather than employing in-house portfolio managers.

No. The firm constructs portfolios using publicly available mutual funds and ETFs. It does not make direct private investments, sponsor funds, or participate in co-investment club deals.

Oak Wealth Advisors historically allocates to alternatives through liquid, low-cost fund structures such as DFA's real estate and commodity-adjacent portfolios. The firm does not emphasize hedge fund or private equity commitments, favoring implementation simplicity for clients balancing medical and educational expense uncertainty.

Walther's niece was born with special needs, exposing his family — including his siblings, who worked in financial services — to the gap between traditional wealth management and the trust-and-benefits architecture required for lifetime care. This experience became the firm's founding thesis in 2008 (per public record).