Bull Oak

After extensive research on retirement planning and interviewing multiple financial planners, we hit the jackpot with Bull Oak. We were deeply impressed with the 2 hour strategy meeting which mapped out our finances and goals. As an example of the level of care you will receive: our portfolio includes an investment in a QOZ (Qualified Opportunity Zone) which is not common and is fairly complicated. This type of investment was new to all the financial planners we interviewed, including Bull Oak. However, on

The team at Bull Oak truly goes above and beyond when assisting their clients. After my parents passed it was clear the advisor they had used was unorganized, noncommunicative, and ultimately unhelpful. Bull Oak was the exact opposite experience- they took great effort to locate all assets and details for multiple accounts, including a few that were complicated to say the least. We now have clear vision into all information, have completely reorganized and relocated all accounts, and ultimately feel very

Ryan, Peter, and the team at Bull Oak are not only skilled advisors, they are thoughtful as well. Often the first thing that comes to mind when looking for an advisor is managing investments. Bull Oak does this of course--their philosophy is logical and evidence-based. But they were clear early in our partnership that they wanted to bring value through other avenues: tax planning and efficient financial planning, for example. They have done this while also factoring in our goals and values. They are also a

About 5 years back we started looking for a fiduciary financial advisor and found that Bull Oak had the best reviews in San Diego. I consulted with Ryan then and found out details of the services they offer but our portfolio didn't meet their minimum requirements then. Ryan however was extremely helpful and I continued to subscribe to the firms newsletter to get generic macroeconomic insights and also understand their approach. Along the way we tried some other financial advisors from Ameriprise who were ab

We have been clients of Bull Oak Capital now for 5 years at least. They have been amazing and way surpassed my expectations, which had already been quite high. Ryan, Peter and the team offer exemplary service and attention to detail. Between the financial planning, advice, regular updates, podcasts, YouTube channel and even the yearly Christmas Gift, we are very happy we went with this company. You won't regret it should you choose them also.

The Bull Oak team has been great; the only regret I have is not signing on with them sooner... I love the methodical approach and the focus on minimizing costs and maximizing returns at scale, as well as the detailed approach Ryan, Peter and team take to financial planning specifically. I also love how the firm uses modern planning tools to stay connected with me at all times! I already recommended Bull Oak to a few of my friends and colleagues.

I would highly recommend Ryan at Bull Oak Capital. From the very first phone consultation, Ryan seemed honest, knowledgeable, and most of all, very professional. I chose Ryan to better handle my investments, to create a financial plan for my girlfriend and I, and to give me recommendations to better prepare myself for the future. During our financial planning meeting, Ryan sat down with my girlfriend and I and asked us about all of our financial goals (short and long-term). Ryan was able to map out our

We've had an excellent experience with Peter and his team. They take a personal interest in our family?s financial goals and have provided clear and actionable plans for both our savings and investments. Thanks to their advice, our savings and investments are well-structured, and we feel secure about our future.

My husband and I recently reached the most rewarding years of our lives - RETIREMENT! Upon achieving this milestone, our top priority was to find a fiduciary firm that can help us consolidate/manage our assets and provide financial stability/planning not only for our new chapter in life but also for our children?s (and grandchildren?s) future. As detail-oriented individuals, we spent a lot of time researching and interviewing financial advisors and fiduciary firms to find the perfect fit for us. It was a d

My husband and I have been working with Ryan for 4 months, and I only wish we would have found him sooner. On our first meeting, it was immediately clear that Ryan has a wealth of knowledge and is able to impart that knowledge in a way that is easily understood. While his down to earth style makes it easy to communicate, he is all business when it comes to handling his clients' investments. In this short amount of time, we are already seeing results that just weren't happening with our previous advisor. Ry

Highly recommend Ryan and his team. They have surpassed my expectations in what to expect from a financial advisor. Ryan is transparent, communicative, and responsive. He has spent so much time answering my questions, explaining market trends, and mapping out a financial plan to help me understand what's realistic and how different decisions may put me on different trajectories. He also sends out regular newsletters with his thoughts on the economy and how to think about different market changes, which I lo

My boyfriend and I wanted to make sure we were making smart financial decisions for the future. While searching on the internet for local advisers, we found Bull Oak Capital, which had stellar reviews! I went into the initial meeting feeling intimidated by the idea of seeing a financial advisor but Ryan quickly put me at ease with his professional but easy-going demeanor. Throughout the whole process, Ryan was so patient in explaining investment terminology and helping my boyfriend and I discover questions

We interviewed multiple financial advisors and are very happy with our decision to work with Ryan and Bull Oak Capital. We have had 2 meetings now and Ryan has gone above and beyond with the personalized service, being transparent and very knowledgeable in both the financial planning and portfolio management areas. We are already seeing a difference in our investments and we look forward to a very long and productive relationship with Bull Oak Capital.

After many years of investing with a major brokerage company, it was a breath of fresh air for my wife and I to switch to Ryan Hughes of Bull Oak Capital, with whom we've been for several months now. His low-key, intelligent and strategic approach gives us an increased feeling of financial security. As valuable, if not more, is knowing that in his role as a fiduciary he always acts in our best interest. Ryan and his team also created a written Financial Plan for us. As you can tell from this review, we're v

I sought out a financial advisor looking for someone who was a fiduciary and used an AUM fee. From the first moment I chatted with Peter, I felt like I was speaking to someone I could trust. He demonstrated being thorough, respectful, kind and extremely transparent in each of our interactions, and I was immediately impressed. I had many questions finding myself in unfamiliar waters and new to investment. Peter never made me feel like I was trouble and always thoroughly answered questions and not just answe

The most difficult part for me in my journey of finding the right financial advisor was trust. After about a half a year of meeting with several different types of financial advisors, once I met Ryan, I immediately knew I was going to stay with him. Ryan is a professional in his field and you can expect great communication and transparency. Ryan will take his time to explain any questions or concerns that you might have as a client. My experience and results with him have been amazing.

Bull Oak recently produced an excellent financial plan deliverable for my wife and I that will guide our family's financial decisions both in the tactical near-term and strategic long-term. We selected Bull Oak to create a financial plan for us based on the strength of the initial consultation in Bull Oak's downtown office and due to the firm being a fiduciary Registered Investment Advisor (RIA), so they only receive revenue from their customers and are not permitted to receive revenue from commissions or

When my husband passed away last summer, I felt not only the pain of losing my life partner, but the concern and uncertainty of how I was going to handle my new financial situation, remain self=sufficient, and plan for the future. A friend referred me to Ryan, praising his professionalism and competence. Although in the midst of the COVID pandemic, Ryan sensed my anxiety and offered to meet with me in person. Both he and his assistant, Alyssa, provided not only the financial expertise and guidance which I

I had an introductory meeting with Ryan at his office in San Diego. I've been around many financial advisors - he's unlike them all. Straight forward, patient, knowledgeable, and best of all, I had an incredible sense that he had my best long-term interests in mind. Genuinely. If you're in the phase of finding a financial partner who is right for you you will do yourself a service by making him part of your process. That will set the tone for the rest of your research and I bet you'll likely find your way b

Ryan and his team provide world class financial advice on a very personal level. We chose Bull Oak because it is local to San Diego, and we did not want to deal with one of the large, impersonal firms to advise us on our investments and plan for retirement. We could not be happier with the service and we highly recommend Bull Oak Capital.

Bull Oak and Ryan were recommended to me by one of his clients. He provided me with a comprehensive retirement planning and I was very satisfied with what he did. He is professional, knowledgeable and experienced. His approach is logical and very clear and it was really useful. I would highly recommend him.

Ryan's financial planning consultation helped me see which direction I should head in my career and investment plan. He also has a strategic approach to investing that helps to ensure dips in the markets don't impact his clients to the level mutual funds encounter. I have already recommended him to family and friends.

I found Ryan via Yelp and talked to him a little bit about what he does and how it can help what I was looking for (investing and getting a plan together). He has a good background in econimics and has spent a lot of time studying how the market works, among other things. I also talked to folks from other places. I ended up going with Ryan because he was the only one willing to explain anything I asked to me and wasn't afraid to be honest about his philosophy and why he does what he does. He also didn't

Ryan has helped me and my wife navigate the muddy waters of investing with confidence, Financial Planning, and eliminating all the other noise from the talking heads. He's detailed, concerned with your personal goals and desires, easy to understand and always enjoyable to be with. If you're looking for a Financial Planner, do yourself a favor - set up an appointment today.

I recommend Ryan for anyone looking for an honest financial advisor. He took his time to customize a plan for me...it was not cookie cutter and he was willing to listen to what I needed (or maybe I should say help me figure out what I needed) and then helped put variations of the plausible plans on paper for me to decide which I should use...I learned a lot during meetings with him.

Ryan is an experienced and diligent investment planner. We're extremely happy working with Ryan and highly recommend anyone looking for financial planning to check him out.

If you're looking for an honest, credible and hardworking financial manager or investment management firm, Bull Oak Capital should be number one on your list.

Alyssa was very prompt and quick to respond, kindly and with great patience!