Oars Capital
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$397,735,451
Clients
158
41% high-net worth
Advisors
1
of 3 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
158
Very HighAverage account size
$2,517,313
About
Oars Capital provides discretionary investment management and broader wealth-planning services to individuals and families, working with both retirement-age and working-age clients. The firm also advises a limited number of 529 and annuity accounts and is compensated through advisory fees based on assets under management.
The firm offers two primary approaches: an ETF-based asset allocation model with periodic rebalancing used by the majority of clients, and a tactical security-selection strategy grounded in fundamental value for more active mandates. Oars typically manages portfolios with a multi-year horizon and may employ options and other derivatives in separately managed accounts as hedging tools, a practice that is uncommon among peer advisers.
The firm’s profile is distinctive for its high assets under management relative to the size of its advising team—nearly $398 million under management with a single principal—resulting in an unusually large AUM-per-advisor ratio. The principal’s prior hedge fund and investment banking experience informs the firm’s use of derivatives, and the firm occasionally provides consulting and tax/accounting services to certain clients and external parties, activities not commonly found among similarly sized independent advisers.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Active portfolio management
Fee options
Up to 1.50% annually, billed quarterly at 0.375% per quarter
Main office location
Oars Capital
6 North Baltimore Street, Suite 3
Dillsburg PA 17019, United States
Number of offices
1
Most active in
Oars Capital has reported serving >5 clients in these states in the last 12 months.
California · District of Columbia · Florida · Maryland · New York · Pennsylvania · Texas · Virginia
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")