Eight Oaks is generally best suited for individuals and families with approximately $1 million or more in investable assets, though we review each situation individually. In some cases, we may also work with clients through our financial planning offering.

How We Work

Eight Oaks Financial provides financial planning and investment management specific to each client's situation. Our work is built around understanding your broader financial picture, helping you organize the moving parts, and making thoughtful decisions as life, markets, tax considerations, family needs, and business priorities change.

For fee-based advisory relationships, we take on a fiduciary responsibility when providing advisory services. In plain English, that means the advisory relationship is built around trust, transparency, and putting the client's interests first.

Who We Are Usually a Fit For

• Want an ongoing planning and investment relationship.
• Value direct, practical guidance from an experienced advisory team.
• Prefer a clear process and regular progress meetings.
• Want help coordinating with certified public accountants, attorneys, insurance professionals, and other advisors.
• Are comfortable sharing the details needed for thoughtful advice.

We are generally not designed for one-time stock picks, short-term market timing, or product-only transactions. Our work is built around understanding the broader financial picture.

Our Process

Introductory Conversation: We identify your goals, priorities, concerns, and expectations. We also determine whether an ongoing partnership makes sense.

Fact Finding: We take a deeper look at the financial details so we can understand the full picture.

Recommendations: We present initial recommendations and a roadmap designed around your goals.

Mutual Decision: If both sides agree there is a good fit, we decide how to move forward.

Ongoing Progress Meetings: We continue to meet regularly to review your plan, investment performance, goals, insurance needs, and any changes in your life.

In the first year, it is common to meet more often. After that, many clients are comfortable with semi-annual progress meetings, with additional meetings as needed.

Fees and Minimums

Fees are discussed before any engagement begins. Our advisory fee is based on the assets Eight Oaks Financial manages for you through LPL Financial. We use a tiered fee schedule, which means the percentage fee decreases as the assets we manage increase.

Assets in Tier	Annual Advisory Fee
First $500,000	1.25%
Next $500,000	1.00%
Next $1,000,000	0.85%
Next $3,000,000	0.65%
Next $5,000,000	0.45%
Next $10,000,000	0.40%

Financial planning may be included at no additional charge for clients who meet our fee-based advisory relationship minimums. In situations where we provide financial planning separately, planning fees are discussed before any engagement begins. Any account-level expenses, investment manager fees, product expenses, or other applicable costs will be explained before you sign agreements or move forward.

Important Acknowledgements

• You are looking for a serious advisory relationship built around financial planning, investment management, and ongoing guidance.
• You understand that Eight Oaks Financial may not be the right fit for every prospective client.
• You understand that no financial plan or investment strategy can guarantee a particular result.
• You understand that fees, services, account details, and any applicable limitations will be reviewed before you make a decision.
• Submitting this form does not commit you or Eight Oaks to begin working together. It simply helps us prepare for a more useful introductory conversation.