Our Philosophy
No proprietary products. No commissions.
Fortune Oak is compensated through advisory fees only. Fees are based on household net worth because the work extends beyond the investment portfolio to business and real-estate interests, liabilities, and other assets.
Built around the complete balance sheet
One shared reference for the work.
The quality of advice improves when the adviser understands how the parts of a financial life connect. A business, employer equity, property, debt, insurance, taxes, estate documents, and held-away accounts can each be handled by a different professional. Fortune Oak brings those connections into one advisory relationship.
A household net-worth statement provides the shared reference. It helps us identify important decisions, weigh tradeoffs across disciplines, and carry agreed-upon work forward with the professionals you already trust.
What you can expect from the relationship
A complete view.
Advice starts with assets, liabilities, cash flow, and the decisions ahead, including what sits outside managed accounts.
Direct involvement.
Each relationship is built around the household’s unique balance sheet, priorities, and complexities. Fortune Oak remains directly involved as new decisions arise, helping connect the pieces of your financial life.
Professional coordination.
Fortune Oak works with your CPA, attorney, insurance professionals, and custodians while respecting their distinct responsibilities.
Follow-through.
A financial plan is only valuable when it translates into action. Fortune Oak helps coordinate next steps, revisit priorities, and keep the broader strategy aligned as circumstances evolve.
The Process
Methodology
Fortune Oak starts with what the balance sheet needs to accomplish and in what order. Planning meetings are typically quarterly, with the household net-worth statement serving as an ongoing reference. Between meetings, we manage investments within agreed authority, coordinate with outside professionals, and evaluate decisions as they arise.
01
Understand
Build the complete picture.
We begin by understanding the household's full financial picture, including managed and held-away assets, liabilities, cash flow, business interests, real estate, and existing professional relationships. This establishes a shared understanding of the resources available and the decisions ahead.
A complete view of the household balance sheet and the questions it raises.
02
Prioritize
Determine what matters first.
Not every decision carries the same urgency. We identify competing priorities, liquidity needs, tax considerations, and upcoming transitions to determine which decisions require attention first and how they affect one another.
Clear priorities and the decisions that cannot wait.
03
Advise
Create an order of operations.
We develop recommendations around the household's complete balance sheet, evaluating trade-offs involving investments, cash flow, risk, taxes, ownership, and family goals. Advice is tailored to the household's circumstances and the sequence in which decisions need to be made.
Recommendations and an agreed path forward.
04
Coordinate
Connect the right professionals and carry the work forward.
Fortune Oak helps connect CPAs, attorneys, insurance professionals, lenders, and custodians as decisions require. We clarify responsibilities, coordinate next steps, and monitor progress while each professional remains responsible for their respective area of expertise.
A coordinated plan with clear responsibilities and next steps.
05
Maintain
Keep the balance sheet and strategy current.
Financial planning is an ongoing relationship, not a one-time deliverable. Through typically quarterly meetings and ongoing coordination, we revisit the household's balance sheet, investment strategy, and priorities as circumstances change and new decisions arise.
An ongoing advisory relationship that evolves with the household.
A relationship built around your entire financial picture.
The conversation starts with the decisions in front of you and the advisers already involved.