Helping You Pursue True Wealth
Bull Oak Capital is a financial advisor in San Diego. We provide comprehensive financial planning & investment management services to retirees, professionals, and business owners.
Get StartedHow 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
Professionals
Patrick and Amy are both working professionals in the San Diego region. One works at Qualcomm, and the other works at a biotech start-up. They are concerned about retirement planning, college costs, and purchasing an investment property.
View Case StudyCurrent & Future Retirees
Joseph and Nancy are less than two years from retirement and want to know how to best create a successful retirement plan. Their big questions are, “Should we downsize our home? When should we file for Social Security? Will our funds be enough for a long retirement?”
View Case StudyBusiness Owners
Mike is a business owner that employs ten individuals. He started his business 15 years ago and would like to think about his succession and legacy plan. His primary goal is to create an exit strategy to successfully sell the firm to his daughter while financially benefiting both individuals.
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 your 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 & CEO
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.
His 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.