Oakley Financial LLC

Oakley Financial LLC provides investment advisory and retirement-plan consulting services to individuals, high-net-worth clients, and employer-sponsored plans, including 401(k), pension, and profit-sharing plans. The firm offers asset management services and acts as an ERISA 3(21) or 3(38) advisor, assisting plan sponsors with IPS development, investment option monitoring, participant education, and selection of qualified default investment alternatives.

Investment strategies are tailored to client objectives and documented in client profiles and investment policy statements, with fundamental analysis and a mix of long- and short-term purchases used in portfolio construction. Although the brochure describes discretionary asset management capabilities, Oakley’s reported assets under management (as of December 31, 2025) are primarily non-discretionary, reflecting its advisory and consulting roles for retirement plans rather than widespread discretionary retail mandates.

Noteworthy aspects include a concentrated client base—eight clients holding roughly $53.3 million in AUM—largely comprised of plan assets, and explicit pension consulting services that include both limited-scope (3(21)) and full investment-manager (3(38)) roles, which are less common among independent single-advisor firms. The principal’s substantive background in retirement plan sales and the firm’s written solicitor/referral framework, as disclosed in the brochure, further indicate a practice focused on employer-sponsored retirement plan work.