Angel Oak Financial Services LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$30,278,933
Total clients
39
23% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
39
Average account size
$776,383
About
Angel Oak Financial Services LLC is a small, fee-only independent advisory firm that provides financial planning, consulting, and discretionary portfolio management to individuals and to small businesses. While the majority of independent firms focus solely on individual clients, this firm explicitly includes corporate or business clients and business-planning advice among its service offerings.
The firm’s sole adviser manages client assets on a discretionary basis and implements diversified, asset-allocation portfolios grounded in Modern Portfolio Theory, primarily using mutual funds and ETFs. The investment approach emphasizes long-term investing and downside protection, with portfolios monitored and rebalanced as client circumstances or market conditions warrant rather than on a rigid schedule.
Noteworthy elements include the firm’s small scale—one adviser and a modest client base—and its willingness to serve small businesses as well as individuals, a relatively uncommon feature for independent RIAs. The firm generally recommends a specific custodian for client accounts and receives non-monetary support services from that custodian, operates on a percentage-of-assets, fee-only model, and also offers standalone financial planning and hourly consulting.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
Cash flow / budgeting
Wealth management
Fee options
$0 - $1,000,000: 1.00% annually $1,000,000 - $2,000,000: 0.75% annually $2,000,000+: 0.50% annually
$250 per hour for financial planning and consulting services
Minimum fee: Minimum annual fee of $2,400, waivable or reducible at firm's discretion Fee-only: Financial planning hourly fees $250/hour; typical financial plan fees $3,000-$5,000
Main office location
Angel Oak Financial Services LLC
Montvale NJ, United States
Number of offices
1
Most active in
Angel Oak Financial Services LLC has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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