Independent and Aligned
As a registered investment adviser, we are paid by our clients, not by product providers. Our recommendations exist to serve your situation, not a sales target.
Wealth Management for Individuals, Families, and Business Owners
Clarity, Discipline, and a Plan Built Around Your Life.
SilverOak Investments works with individuals and families who have worked hard to build wealth, and want a thoughtful, structured approach to protecting and growing it. We bring the same rigor to personal wealth management that institutional investors expect.
Institutional Discipline
Every portfolio decision follows a documented process: clear risk targets, evaluation criteria, and stress-tested scenarios.
Full Transparency
You should always know what you own, why you own it, and what it costs. We never bury fees or hide behind labels.
Who We Serve
Six Client Profiles. One Disciplined Approach.
Our clients come to us at different stages of life and wealth. What they share is a desire for transparency and an advisor who takes the time to understand the full picture.
- Emerging and Affluent Individuals and Families
- Pre-Retirees and Retirees
- Business Owners
- Highly Compensated Professionals
- IRA and Retirement Account Holders
- Investors with Concentrated Stock Positions
Our Services
A Full Range of Services, Delivered with Discipline.
Sound financial planning isn't built on a single product or a standard template. Our services are designed to work together, each one addressing a specific dimension of your financial life.
Investment Management
Diversified, documented portfolios built around your goals, time horizon, and risk tolerance.
Retirement Planning
Analytical, scenario-tested income plans that bring clarity to one of life's most consequential decisions.
Tax-Aware Positioning
Asset location, harvesting, and gains management, structured for what you keep, not just what you earn.
Concentrated Stock Strategies
Documented analysis and prudent decisions for large single-stock positions, with no rush and no template.
Our Approach
Four Principles That Guide Every Decision.
Define Risk Clearly
We don't rely on vague labels. By analyzing what is actually inside your portfolio, we estimate realistic ranges for potential gains and losses, and stress test performance against both difficult and favorable market conditions.
Plan for Income and Longevity
We use planning analytics, including Monte Carlo modeling, to evaluate the sustainability of different income levels over time. The goal isn't a single projection; it's a set of clear guardrails that can flex as life and markets change.
Build Portfolios with Discipline
Our independence lets us evaluate a broad universe of ETFs and investment vehicles through an unbiased, documented process. We look for strong forward-looking characteristics, low costs, tax efficiency, and a defined role in your portfolio.
Manage Equity Positions with Care
Concentrated positions deserve individual attention. For large or legacy equity holdings, we follow a documented process, evaluating valuation, dividends, external research, and technical factors, to ground every decision.
Take the First Step
A Short Conversation Is the Best Place to Start.
No pressure. No obligation. Just a candid discussion of your situation and what we might be able to do.
Request a Consultation