San Diego Fiduciary Financial Advisor


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San Diego Fiduciary Financial Advisor


Get Started - Schedule a Call
Featured in Bull Oak

Financial Advisory Firm For Professionals


We help working professionals, like you, achieve their financial goals. And we do so the right way, without sales gimmicks or hidden agendas.


We don’t accept commissions, monetary kickbacks, nor do we have products to sell. As a fiduciary financial advisor in San Diego, we are held to the highest standard. See why working with a true fiduciary financial advisor is a must.

Invest Your Money Wisely

Having a portfolio optimized for the market, your personal goals, and your risk tolerance is key. We invest exclusively in low-cost index funds in an effort to avoid any unnecessary fees. In addition to keeping costs low, we also manage your portfolio risk, which is one important aspect of money management that many financial advisors tend to ignore. The evidence is clear that trying to beat the market in sub-asset classes (e.g. US lg cap stocks) is very difficult to do as these markets are largely efficient, especially over the long-term. However, the major asset classes (e.g. the global stock market) are not efficient and there are periods when you can reduce unnecessary risk and/or take advantage of low asset prices. Protecting your portfolio during periods of extreme market euphoria and taking advantage of market crashes are essential aspects of our service to our clients. Learn more about our UCLA-developed investment philosophy.

bull oak economic and leading indicators

Create a Comprehensive Financial Plan

Comprehensive financial planning should be at the core of any long-term investment plan. Whether it’s generating retirement income, transferring wealth, or leaving a charitable legacy, your goals come first. Investing isn’t only about growing your portfolio. It’s also about aligning your portfolio with your specific long-term goals. No matter what your financial situation may be, we can create a plan to help you achieve those goals. Learn more about our comprehensive financial planning process here.

Ryan A. Hughes, MBA – Founder & CEO

Ryan Hughes financial advisor san diego


  • Founder & CEO – Bull Oak Capital

  • Vice President – Charles Schwab

  • Fin. Advisor – Morgan Stanley

  • Junior Partner – Merrill Lynch

  • 2nd Class Petty Officer – US Navy


  • MBA, Investment Management – UCLA Anderson School of Management

  • B.S. in Business Admin. – University of Southern California

My Time

TIME SPENT CHARTA – Finding optimal financial solutions for my clients
B – Enjoying the great outdoors and trying to get in a bit of exercise
C – Spending time with my family
D – Finding ways to continually make Bull Oak Capital the top wealth management solution for clients
E – Allocating my clients funds efficiently and effectively
F – Re-learning the piano & guitar
G – Gaining essential knowledge as a member of the UCLA Anderson CEO Forum

Where Do You Stand?

Net Worth & Income by Age Percentile Calculator

Download our free report, Where Do You Stand?, and use our calculator below to see where you stand financially compared to others in your age range. The calculator will immediately compute your national income and net worth percentile figures. Once your percentiles are calculated, you will receive the complimentary report to your email address showing U.S. and San Diego income, net worth, and housing figures. This report shows how San Diegans compare to other major U.S. cities, the U.S. national average, and how each San Diego neighborhood stacks up.


Our Terms of Use

U.S. Net Worth Percentile: 0.00%

U.S. Income Percentile: 0.00%

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