Live Oak Financial Management

The firm provides discretionary and non-discretionary portfolio management primarily for individuals and also accepts small businesses and non‑profit accounts, beginning client relationships with a free initial consultation to document objectives and risk tolerance. Services focus on direct portfolio management rather than wrapped programs, and clients maintain custody of their assets with an independent broker‑dealer and custodian.

Investment decisions combine a top‑down fundamental approach with technical analysis, emphasizing credit and company‑level credit assessment alongside price trend analysis; tradable instruments include exchange‑listed equities, mutual funds, ETFs, options and bonds while the firm does not use margin or leveraged products. The advisory practice monitors client holdings daily, generally prefers discretionary authority, and allows clients to impose investment restrictions on their accounts.

The firm is a single‑advisor boutique with a very small client base and is led by a principal with decades of institutional portfolio management and credit research experience, including oversight of a highly ranked cash reserves product and founding a credit research firm that served large public and corporate clients. Uncommon features relative to many peers include the principal’s deep institutional credit background, the firm’s willingness to waive account minimums for select parties, and a referral arrangement that compensates other licensed financial professionals for client introductions.