White Oak Wealth LLC

White Oak Wealth LLC provides financial planning and specialized retirement plan consulting to business clients and select individuals, delivering written financial plans and in-depth retirement analyses as well as ERISA-related services such as investment policy development, plan benchmarking, participant education, and participant advice. The firm is a solo registered investment adviser that does not manage client assets directly; it recommends and monitors third‑party investment advisers (including a listed co‑advisor) who implement and trade client portfolios.

The firm’s approach centers on individualized asset‑allocation recommendations informed by client interviews and questionnaires, with the adviser maintaining a non‑discretionary relationship while third‑party managers carry out portfolio management and trade execution. Reviews of client situations are conducted periodically and semi‑annually, and the firm emphasizes ongoing monitoring of recommended third‑party advisers rather than direct custody or trading of client assets.

What distinguishes White Oak from many independent solo advisers is its clear focus on retirement plan consulting and third‑party adviser referrals rather than providing direct portfolio management for retail individual (non‑HNW) clients; the brochure discloses that the firm generally does not manage client assets and that it serves plan sponsors and participant populations. The owner’s concurrent activities as a licensed insurance agent and as the operator of a separate business‑ and tax‑planning practice (described in the brochure) are also disclosed and noted as potential sources of additional services and conflicts that the firm says it manages through disclosure and client choice.