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Bull Oak Capital fiduciary


We are not owned by a bank, an insurance company, or any other firm. We are 100% INDEPENDENT and only paid directly by you, the client. This means that we put our clients interests before our own. Additionally, our client's assets are held at a third-party custodian, TD Ameritrade, where they have 24/7 access to their accounts.

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Bull Oak Capital financial plan


We believe that the financial planning process should be an engaging conversation, not just a checkbox waiting to be checked. We are committed to the financial planning process as it is an antecedent to portfolio management. The plan's findings will be integrated around the client's specific and personal financial goals.

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Bull Oak Capital Investments


The Bull Oak Investment Strategy focuses on three central principles: low-cost/passive management, risk management, and behavioral economics. The strategy was developed by Ryan and top UCLA Anderson academics. As a San Diego Financial Advisor, Bull Oak offers five strategies for its clients, ranging from Conservative to Aggressive.

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Ryan Hughes, MBA - CEO & Portfolio Manager

Thank you for considering Bull Oak Capital to help you with your financial planning and investment management needs! The firm was created in 2014 with three primary goals: to create a world-class firm that provides fee-only (conflict-free) advice to its clients, to offer a no-nonsense, better performing investment strategy, and to help our clients solve complex financial planning issues.

I have over 10 years of finance experience that includes time at several large Wall St. firms, such as Merrill Lynch and Morgan Stanley. To be frank, the idea of starting my own firm was created early on while working at these firms. Wall Street's incentives are not always aligned with their client's needs.

I earned my MBA degree from UCLA Anderson in 2014 where I was awarded the J. Fred Weston Finance Award for academic excellence, was nominated as a GAP Fellow (the top 5% of program thesis participants), and I was the ASAM Chief Investment Officer. While at UCLA, I completed an in-depth independent graduate research project where I wrote an original whitepaper on Risk-Contribution Analysis and Value Investing as a basis for portfolio management.

I also earned my B.S. in Business Administration from the USC Marshall School of Business. If you are wondering whether I root for the Trojans or the Bruins, I am a die-hard Trojan fan. Fight On!

I am a proud U.S. Navy veteran where I served two deployments onboard the USS Jarrett as a VBSS team-member. I have an amazing wife and two wonderful kids and when time permits, we love to travel.

Easy-To-Use Technology


Our goal is to provide our clients with 100% transparency and ease of access. This means we provide our clients with the best technology currently available. Available to all of our clients, for free.

All of our client's assets are held at TD Ameritrade, a large, well-known firm where you will have 24/7 access to your account. We do not directly custody our client's assets. We simply provide the best in-class client portal technology, above and beyond what our custodian of choice provides. 

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Bull Oak Capital - Financial Advisor San Diego