Heritage Oak Wealth Advisors

What Heritage Oak Wealth Advisors does

Heritage Oak Wealth Advisors is an independent, fee-only registered investment advisory firm founded in 2019 and headquartered in Rogers, Arkansas, with a second office in Santa Rosa Beach, Florida. The firm operates as a fiduciary under the Trust Standard, holding client assets at third-party custodians (Charles Schwab and Altruist Financial) rather than in-house, which allows clients to independently verify holdings and positions the firm as independent of any broker-dealer.

The firm's core offering is an integrated wealth management platform delivered through four service lines: Financial Planning, Wealth Management, Trust and Estate Planning, and Lending Solutions. Technology is delivered through the eMoney wealth portal, which provides cross-platform account aggregation across external bank, retirement, and brokerage accounts, enabling consolidated financial reporting and planning. Lending Solutions extends the platform into margin accounts and portfolio-secured credit lines coordinated through custodian partners.

Heritage Oak's go-to-market is a consultative, segment-specific advisory motion targeting high-net-worth executives and entrepreneurs. The firm organizes marketing and content around six distinct client personas — Walmart executives, J.B. Hunt executives, Tyson executives, CPG suppliers, business owners, and individuals/retirees — with employer-specific playbooks addressing complex compensation structures such as RSUs, PSUs, deferred compensation elections, and executive savings plans. Revenue is generated through fee-only arrangements structured as hourly fees, flat fees, or AUM-based fees, with a complimentary Clarity Call serving as the initial consultative touchpoint.

Name

Heritage Oak Wealth Advisors

Legal name

Heritage Oak Wealth Advisors

Website

https://heritageoakwealthadvisors.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Heritage Oak Wealth Advisors is a fee-only registered investment advisory firm serving high-net-worth executives and entrepreneurs across Arkansas and Florida, with employer-specific practices for Walmart, J.B. Hunt, and Tyson leaders.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Specialized/Niche-Vertical RIAs (e.g., Medical, Tech, Executives, Athletes) (FSAAACAL), Estate Planning & Trust Structuring Advisory (FSAEAKAC)

Keywords

• Fee-only advisory
• Wealth management
• Financial planning
• Estate planning
• Investment advisory

Headquarters

HQ city

Rogers

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Fee-Only Advisory Services: Heritage Oak operates as a fee-only registered investment advisory firm. They are not compensated by commissions from selling investment products. Instead, they charge fees which can be structured as hourly fees, flat fees, or fees based on assets under management (AUM). Securities are offered through Charles Schwab & Co., Inc. and Altruist Financial, LLC.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Heritage Oak Wealth Advisors is a fee-only registered investment advisory firm providing integrated financial planning, wealth management, trust and estate planning, and lending solutions to high-net-worth executives and entrepreneurs. The firm specializes in optimizing complex executive compensation packages, including RSUs, PSUs, deferred compensation, and retirement benefits, while coordinating tax strategy, cash flow planning, and investment diversification. Client assets are held at third-party custodians (Charles Schwab and Altruist Financial), and the firm operates under a fiduciary duty to act in clients' best interest.

Product overview

Heritage Oak Wealth Advisors operates as a unified financial advisory platform offering four integrated core services: Financial Planning (personalized plans for goal setting, cash flow, retirement, and education funding), Wealth Management (strategic investment guidance using diversified portfolios of stocks, bonds, mutual funds, ETFs, and hedge funds), Trust and Estate Planning (legacy protection through wills, trusts, beneficiary coordination, and estate tax minimization), and Lending Solutions (flexible lending including margin and portfolio secured credit lines). The firm serves as a registered investment advisor with fiduciary duty, holding client assets at third-party custodians (Charles Schwab and Altruist) and providing comprehensive financial reporting through the eMoney wealth portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Personalized financial planning service designed to simplify decisions and support long-term confidence for high-net-worth individuals and executives. Includes goal setting, cash flow analysis, budgeting, retirement planning, and education funding.
• Wealth Management Strategic, disciplined investment guidance tailored to client goals, risk tolerance, and life stage. Uses a diversified mix of stocks, bonds, mutual funds, ETFs, and hedge funds to protect capital and grow it intelligently.
• Trust and Estate Planning Legacy protection service with strategies ensuring wealth is cared for today and for generations to come. Includes wills and trusts coordination, beneficiary designations review, charitable giving strategies, and estate tax minimization.
• Lending Solutions Smart, flexible lending options supporting major life goals whether purchasing, refinancing, or expanding. Includes margin accounts and portfolio secured credit lines through account custodian, plus transfer of existing credit lines from other brokerage firms.

Quantifiable outcome

• Organized finances, planned future, and navigated investment opportunities with proactive, attentive service

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Two partnerships are on record, tiered supporting.

• Client Attorney NetworksupportingStrategic or Co-development PartnerHeritage Oak encourages involvement of clients' existing attorneys as an integral part of the financial planning team, executing strategies with attorney input to best meet client needs.
• CPA/Tax Professional NetworksupportingStrategic or Co-development PartnerHeritage Oak coordinates with clients' CPAs for tax compliance and planning, executing financial strategies with tax professional input. Regular coordination on tax-efficient investment strategies and retirement account contributions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: National wealth management firm serving individuals, business owners, and retirees. Competes broadly for HNW clients and is increasingly positioning under fiduciary standards and broader planning offerings.
• Fisher Investments: Large wealth manager serving HNW individuals with portfolio management and related advice. Competes in the HNW advisory space but with a much more concentrated investment-management-only model versus Heritage Oak's integrated planning approach.
• Creative Planning: One of the largest U.S. fee-only RIAs offering comprehensive financial planning, investment management, and tax services. Overlaps with Heritage Oak across its integrated service stack, but operates at vastly greater scale.
• Edelman Financial Engines: Large-scale RIA combining personal financial planning with workplace-plan–based advice. Targets similar HNW/upper-middle-market audiences and competes for executives seeking integrated retirement and equity comp guidance.

Direct peers

• Glassman Wealth Services: RIA specializing in corporate executives with concentrated stock positions and complex equity compensation. Operates a fee-only integrated planning model closely aligned with Heritage Oak's executive-compensation value proposition.
• Brighton Jones: Fee-only RIA serving high-earning professionals and executives with complex equity compensation (RSUs, stock options) and integrated financial planning. Shares Heritage Oak's playbook of verticalized content for specific employer segments and an integrated planning-plus-investing model.
• The Planning Center: Fee-only financial planning and investment management firm serving HNW individuals and families with a focus on comprehensive, integrated advice. Comparable practice size and fee-only fiduciary orientation.
• Buckingham Strategic Wealth: Fee-only RIA offering financial planning, investment management, and tax awareness to individuals and business owners through an advisor network. Highly comparable fee-only fiduciary model and integrated planning stack.
• Modera Wealth Management: Fee-only RIA delivering comprehensive financial planning, investment management, and tax services to individuals and business owners. Comparable in size, fee-only structure, and integrated wealth advisory offering.
• Manning & Napier: Wealth and investment management firm providing personalized financial planning and discretionary portfolios to individuals, families, and institutions. Directly comparable in delivering advisor-led investment management to HNW clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/heritage-oak-wealth-advisors

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heritage Oak Wealth Advisors