We help you get the most out of your money
Bull Oak Capital, recognized as one of the fastest-growing firms in the nation, provides financial planning & money management to those with demanding careers, such as working professionals, executives, and business owners.
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Ryan A. Hughes was named as one of InvestmentNews 40 Under 40. Based on his accomplishments, contribution to the financial advisor business, and leadership, Ryan was chosen from over 1,000 nominations.
View ArticleWhat Our Clients Are Saying
Bull Oak Capital has given us true peace of mind. We feel confident that we are in good financial hands with them.
The process was detailed and intense, but totally worth it. We are so happy that we chose to partner with them.
Their service is above and beyond what I have encountered before. They are a true full-service advisor.
How We’re Different
Fees = Transparent + Simple
As a fiduciary advisor in San Diego, we never earn commissions, fees, or kickbacks on your investments. You will know exactly what your fees are and how well you are performing.
Invest = Research + Data
We never make investment decisions on a hunch. We instead follow our disciplined investment philosophy, which is based on a rigorous academic research study.
Fiduciary = Your Interest Before Ours
Many advisors claiming to be a “fiduciary advisor,” including CFPs that work at broker-dealer firms, can choose to be one only part-time. We are required to be a fiduciary financial advisor 100% of the time. Period.
Financial Planning = Your Goals + Right Steps
We believe that the financial planning process should be an engaging process to help you achieve your financial and personal goals, not just a formality.
Who We Work With
Working Professionals
Kyle and Maya are both mid-career professionals where a significant part of their income is tied to equity compensation. Kyle works at Google, and Maya works at a biotech start-up. They want to organize their financial life, reduce taxes, and ensure they are on-track to reach their financial goals.
View Case StudyWork Optional & Retirement Planning
John and Amy would like to retire, or at least become work optional, within the next few years. They wish to ensure that they can do this without sacrificing their lifestyle or goals.
View Case StudyBusiness Owners
Mike is the owner of a digital marketing firm that has recently enjoyed rapid growth. He would like to better organize his finances and see if he can reduce his tax liability. He would also like to see how he can transition his firm to his daughter within the next ten years.
View Case Study9 Essential Tips
to Successfully Hire a Financial Advisor
We know that finding the perfect financial advisor can be intimidating. You may have the following questions in mind, "How do I know if an advisor has my best interest at heart? Are there any hidden fees? Do they even know what they're doing with my money?" We have created this guide to simplify the process and to help you along the way. Download now to avoid the biggest mistakes people make.
How We Work
How Others Work
We have a straight-forward fee structure and invest in exchange-traded funds
Your investments could have hidden fees and revenue-sharing commissions
We are legally required to act as a fiduciary – placing your interests before our own
They are not legally required to act in your best interest

Ryan A. Hughes
Founder & Portfolio Manager
Husband | Father | Veteran | MBA in Finance | Trojan & Bruin
Ryan started Bull Oak Capital in 2014 after graduating with his MBA from the UCLA Anderson School of Business.
Since launching the firm, Ryan was listed as one of InvestmentNews 40Under40, and Bull Oak Capital was listed as one of the fastest-growing firms by Wealth Management magazine.
Ryan's professional experience includes financial advice work at Merrill Lynch and Morgan Stanley, and equity research experience at Wedbush Capital Markets.
Ryan is a proud U.S. Navy veteran after spending four years and two deployments as an active-duty servicemember. He currently lives in the Del Sur community with his wife and two children.
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