Built for families whose wealth requires more than any one advisor can provide.
Live Oak Wealth Advisory Group was founded on a simple conviction: when wealth reaches a certain level of complexity, fragmented advice becomes a liability. Investment decisions affect tax outcomes. Estate structures affect family governance. Business transitions affect personal planning. Operational oversights create unnecessary friction. We built this firm to bring those moving parts together with discipline, continuity, and judgment.
Our Story
Founded by someone who sat where you sit — and built what was missing.
After exiting two companies, our founder learned hard lessons about what happens when no one coordinates the full financial picture. Tax decisions were made without considering estate implications. Investment strategies were disconnected from business transitions. The professionals were capable — the model was not.
Entering the advisory industry, he found that most firms focused narrowly on investment management — leaving tax coordination, estate architecture, entity oversight, and family office operations to other providers who rarely communicated with each other.
After years of learning what clients with significant wealth actually needed, Live Oak was founded in 2010 to be the central point addressing every dimension of a family's financial life — not as a generalist, but as a strategic integrator with the discipline and depth to coordinate what others leave fragmented.
The Problem We Solve
Every advisor is doing good work. No one is ensuring it works together.
It has never made sense to us why you would have a CPA preparing returns without knowledge of an upcoming wealth transfer strategy. An estate attorney drafting trust documents without visibility into the portfolio's current allocation. An insurance broker who placed adequate coverage three years ago without updating it when a major life change occurs.
Each advisor is doing good work within their scope, but the family pays for the disconnection. This results in missed opportunities and potential increases in risk exposure.
The Standard Model
Four advisors, zero coordination. Each does good work.
The family pays for the gaps.
The Live Oak Model
One strategic hub. Every advisor informed by the full picture.
Nothing falls through the gaps.
Our job is not to add complexity but to create clarity. We bring the right people to the decision process to create a single point of trust.
What We Believe
The convictions that guide every recommendation we make.
We believe risk management is the foundation of everything we do.
Risk is not a checkbox. It is the starting point. Every client relationship begins with a thorough understanding of what the risks are in your portfolio, your tax position, your estate, and your business interests. Only when we understand what is at risk can we build a plan worth trusting. This is not a defensive posture. It is the most disciplined path to long-term financial confidence.
We believe significant wealth should be coordinated, not compartmentalized.
A good investment strategy can be undermined by poor tax coordination. A strong estate plan can fail without family communication. We work across the full picture because that is where better outcomes are created.
We believe counsel should be deliberate.
The best advice is rarely rushed. We take the time to understand the client, the family, the structures, and the context before recommending action.
We believe selectivity serves clients.
Depth requires capacity. We intentionally limit the number of relationships we take on so each client receives direct access, thoughtful planning, and sustained attention.
We believe trust is earned through clarity.
We explain what we are doing, why we are doing it, and how each decision connects to the broader plan. Nothing important should feel obscure.
We believe stewardship is multigenerational.
Our work is not limited to current needs. We help clients structure wealth in ways that support continuity, responsibility, and family cohesion over time.
Our Principles
The standards behind every decision — from how we invest to how we earn your trust.
Independent & Fiduciary
We do not answer to a parent company. We went independent so nothing interferes with putting your interest above anything else. Every recommendation must be grounded in the interests of the client, not the economics of the firm.
Full Transparency
As a fee-only advisor, we do not earn commissions or accept compensation from product manufacturers. Our fee structure, planning process, and advisory relationships are explained clearly so you know exactly what you are investing in and what it costs.
Risk Management
The preservation of your capital is our #1 priority. Through our proprietary quantitative strategies, we mitigate risk by removing human emotions from the investment equation.
Financial Plan Focused
It always starts and ends with understanding your financial risk, goals, and timeline. This information allows us to best manage your portfolio and achieve your goals.
Trust
We earn it by being transparent about our reasoning, clear about our compensation, and consistent over time. Trust is not a value we declare — it is one we demonstrate.
Research Driven
What worked in the past usually does not continue to work in the future. We constantly analyze our models to make improvements based on new information and better technology.
How We Are Compensated
We are a fee-only registered investment advisor. We do not earn commissions. We do not accept compensation from product manufacturers, fund companies, or insurance carriers. Our fee is based on assets under management or a retainer structure, depending on the engagement. This is disclosed fully in our Form ADV and in every client agreement. This structure eliminates the conflicts of interest that exist in commission-based models and ensures that every recommendation is made because it serves the client, not because it generates revenue for the firm.
We have helped guide our clients through some of life's most consequential moments, when decisions carry real weight, by thinking long term, acting deliberately, and ensuring every part of the financial picture works together.
Our Partner Network
The breadth of a large institution. The attention of a boutique.
No single firm can be expert in everything. Rather than pretending otherwise, we have built a vetted network of outside specialists selected not only for technical excellence, but for how well they work with our clients as people.
We match specialists to families based on expertise, personality, and communication style. This model allows a boutique firm to deliver the breadth of a much larger institution — without sacrificing the personal attention that brought our clients to us in the first place.
The result is an advisory ecosystem that feels like a team, not a collection of vendors.
Our Promise
No advisor rotation. No junior hand-offs. One team, for the long term.
The most enduring asset we provide is a team that knows our clients well, understands their history, and remains a steady presence through every chapter of their lives.
We do not rotate advisors. We do not hand off relationships to junior staff. The people you meet at the beginning of the relationship are the people who will be there years from now — because continuity is not a feature. It is the foundation of meaningful counsel.
If what you have read resonates, we welcome a conversation.
Most of our client relationships begin with a referral and a quiet conversation. There is no obligation, no pitch, and no pressure — only a genuine exchange about your situation and whether we are the right fit.
Every inquiry is handled with complete discretion.