Bull Oak Capital, LLC

Registered adviser

CIK

1824263

Location

RANCHO SANTA FE, CA

Portfolio Value

Small $276,293,641

Diversification

Highly concentrated

Filing Date

Global Rank

#5,244 / 8,827 ▲ 19 · as of Jun 2026

Top Industry

Semiconductors 17.8%

Period ended 38 days ago

Filed Oct 23, 2026 · 15d

20 quarters · since Dec 2021

Regulatory profile

From Form ADV, the SEC filer profile, 13D/13G type codes and N-CEN, never from the name.

Holder type

Registered adviser

Form ADV roster, Nov 1, 2026

Form ADV adviser

CRD 170325

Roster of Nov 1, 2026

Regulatory AUM

$261,648,815

Main clients

Individuals and high net worth (100% of AUM)

Form ADV history

Monthly rosters from Dec 2019; each row is a run with the same figures, newest first.

Rosters	Regulatory AUM	Main clients
Apr 2026 to Nov 2026	$261,648,815	Individuals and high net worth (100%)
Apr 2025 to Mar 2026	$196,175,570	Individuals and high net worth (100%)
Jul 2024 to Mar 2025	$157,106,307	Individuals and high net worth (100%)
Feb 2024 to Jun 2024	$144,481,339	Individuals and high net worth (100%)
Jul 2023 to Jan 2024	$139,644,753	Individuals and high net worth (100%)
May 2023 to Jun 2023	$121,586,357	Individuals and high net worth (100%)

2 earlier changes not shown.

Stated strategy

Index / passive, Multi-asset Form ADV Part 2A, Apr 3, 2026 · original

In the firm's words

Index / passive: Bull Oak invests primarily in exchanged-traded funds in an attempt to capture the returns of an entire asset class, rather than predict which securities within that asset class will outperform.
Multi-asset: Bull Oak believes that investors must diversify broadly and should avoid making unnecessarily large bets on any one security, asset class, or geographic region.

Portfolio style

Measured from the filed 13F common-share book for Jun 30, 2026, the newest measured quarter, never from the firm's own description.

Style

Concentrated

The top 10 positions are 97.5% of the book (60%+)

Turnover

Low turnover

10.2% over the last four quarters (under 30%)

Horizon

Medium horizon

Value-weighted holding period 9.9 quarters (4 to under 12)

Closest benchmark: every 13F filer's combined book, active share 90.3%; sector active share 74.8% against the combined 13F book's sector weights.

Over time 19 measured quarters

How the bands are measured

Style bands measure the filed 13F common-share book each closed quarter, tested in this order. Unknown: under $10,000,000 of valued equity or 5 stocks. Index-like (100+ stocks): active share of 20% or less against the closest benchmark, which is the S&P 500, S&P MidCap 400, S&P SmallCap 600, Russell 1000, Russell 2000, Nasdaq-100 or Dow Jones Industrial Average (weighted by an index-tracking fund's reported holdings or the index's constituents nearest the quarter end, over the names resolved to companies, and only when those are 90%+ of its weight) or every 13F filer's combined book, or index series holding 80%+ of the registered fund assets it advises (N-CEN) and equal to 50%+ of its book. Systematic-like: 500+ stocks, 100%+ annual turnover and a top 10 weight of 25% or less. Concentrated: a top 10 weight of 60%+ or 12 or fewer effective positions. Diversified active: none of these. Turnover is the smaller of buys and sells over average equity value, summed over four quarters: low under 30%, high 100%+. Horizon is the value-weighted number of quarters each position has been held: short under 4, long 12+.

Clone Performance

Build a hypothetical price-return history from this filer's public 13F holdings.

View clone backtest

Portfolio Concentration

39 tracked positions · as of Sep 30, 2026 · Δ vs Jun 30, 2026

Top Position

70.3%

+7.1 pts

Top 5

91.8%

+1.3 pts

Top 10

97.5%

+0.0 pts

HHI

5,101

Highly concentrated+866

Portfolio Trend

20 quarters · across all stocks

Sector Breakdown

As of Sep 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	97.5%	$269,519,976	25
Technology	1.2%	$3,439,453	5
Financial Services	0.4%	$1,182,819	4
Consumer Defensive	0.3%	$917,419	2
Energy	0.2%	$566,695	1
Communication Services	0.1%	$357,155	1
Utilities	0.1%	$310,124	1

Last Quarter's Activity

Export CSV

Sep 30, 2026 vs Jun 30, 2026

Added To

Positions the filer increased

9 positions

Ticker	Company	Δ Shares	Shares	Value
IEFA	iShares Core MSCI EAFE ETF	+8,218	411,244	$39,841,318
SPMO	Invesco Ltd.	+8,097	197,101	$0
IVV	iShares Core S&P 500 ETF	+4,743	149,357	$114,385,058
IAU	Ishares Gold Trust	+2,303	99,973	$7,807,891
AVUV	Avantis U.S. Small Cap Value ETF	+1,677	63,691	$7,500,889
AVDV	Avantis International Small Cap Value ETF	+1,344	78,269	$8,561,063
VOO	VANGUARD 500 INDEX FUND	+1,017	1,448	$1,014,845
SHV	iShares 0-1 Year Treasury Bond ETF	+617	252,427	$27,847,746
AAPL	Apple Inc.	+2	3,285	$1,093,970
No positions match the current search.

Trimmed

Positions the filer reduced

10 positions

Ticker	Company	Δ Shares	Shares	Value
SGOV	iShares 0-3 Month Treasury Bond ETF	−24,933	79,564	$8,010,503
VO	VANGUARD MID-CAP INDEX FUND	−5,041	29,455	$2,309,861
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	−3,452	164,243	$4,000,959
SPYM	State Street(R) SPDR(R) Portfolio S&P 500(R) ETF	−2,069	113,705	$10,206,160
SCHX	Schwab U.S. Large-Cap ETF	−1,926	82,546	$2,476,380
IBIT	iShares Bitcoin Trust ETF	−612	100,138	$4,740,532
AVUS	Avantis U.S. Equity ETF	−501	101,101	$12,950,027
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	−499	81,148	$6,199,707
GOVT	iShares U.S. Treasury Bond ETF	−384	184,737	$4,040,198
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	−193	6,528	$2,443,038
No positions match the current search.

New Positions

Positions the filer opened this quarter

1 positions

Ticker	Company	Shares	Value	Open
ADBE	Adobe Inc.	952	$228,422
No positions match the current search.

Sold Out

Positions the filer fully exited

2 positions

Ticker	Company	Shares	Value
OKLO	Oklo Inc.	5,000	$261,650
VBR	VANGUARD SMALL-CAP VALUE INDEX FUND	841	$204,354
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

39 tracked positions · $276,293,641 total · filing declares 39 positions · $306,170,517 · as of Sep 30, 2026

All sectors Communication Services Consumer Defensive Energy Financial Services Technology Utilities

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
IVV	iShares Core S&P 500 ETF	Added	149,357	+4,743	$114,385,058	+5.6%	41.40%
IEFA	iShares Core MSCI EAFE ETF	Added	411,244	+8,218	$39,841,318	+2.4%	14.42%
SHV	iShares 0-1 Year Treasury Bond ETF	Added	252,427	+617	$27,847,746	+0.2%	10.08%
AVUS	Avantis U.S. Equity ETF	Reduced	101,101	-501	$12,950,027	−0.5%	4.69%
SPYM	State Street(R) SPDR(R) Portfolio S&P 500(R) ETF	Reduced	113,705	-2,069	$10,206,160	+0.3%	3.69%
AVDV	Avantis International Small Cap Value ETF	Added	78,269	+1,344	$8,561,063	+8.0%	3.10%
SGOV	iShares 0-3 Month Treasury Bond ETF	Reduced	79,564	-24,933	$8,010,503	−23.9%	2.90%
IAU	Ishares Gold Trust	Added	99,973	+2,303	$7,807,891	+5.9%	2.83%
AVUV	Avantis U.S. Small Cap Value ETF	Added	63,691	+1,677	$7,500,889	−3.1%	2.71%
BSV	VANGUARD SHORT-TERM BOND INDEX FUND	Reduced	81,148	-499	$6,199,707	−2.5%	2.24%
IBIT	iShares Bitcoin Trust ETF	Reduced	100,138	-612	$4,740,532	+41.3%	1.72%
GOVT	iShares U.S. Treasury Bond ETF	Reduced	184,737	-384	$4,040,198	−4.2%	1.46%
SPAB	State Street(R) SPDR(R) Portfolio Aggregate Bond ETF	Reduced	164,243	-3,452	$4,000,959	−6.5%	1.45%
SCHX	Schwab U.S. Large-Cap ETF	Reduced	82,546	-1,926	$2,476,380	−0.4%	0.90%
VTI	VANGUARD TOTAL STOCK MARKET INDEX FUND	Reduced	6,528	-193	$2,443,038	−1.8%	0.88%
VO	VANGUARD MID-CAP INDEX FUND	Reduced	29,455	-5,041	$2,309,861	−16.9%	0.84%
VUG	VANGUARD GROWTH INDEX FUND	Held	17,886	0	$1,611,707	+4.6%	0.58%
VTV	VANGUARD VALUE INDEX FUND	Held	5,606	0	$1,211,344	−0.8%	0.44%
AAPL	Apple Inc. Technology	Added	3,285	+2	$1,093,970	+15.2%	0.40%
VOO	VANGUARD 500 INDEX FUND	Added	1,448	+1,017	$1,014,845	+242.8%	0.37%
MSFT	Microsoft Corp Technology	Held	1,774	0	$909,884	+37.5%	0.33%
QCOM	Qualcomm Inc Technology	Held	4,518	0	$831,492	−0.4%	0.30%
SPY	Spdr S&P 500 ETF Trust	Held	1,020	0	$777,882	+2.1%	0.28%
PG	PROCTER & GAMBLE Co Consumer Defensive	Held	4,798	0	$697,053	−0.9%	0.25%
WFC	Wells Fargo & Company Financial Services	Held	7,359	0	$589,087	−3.1%	0.21%
XOM	ExxonMobil Holdings Corp Energy	Held	3,482	0	$566,695	+19.0%	0.21%
DFUV	Dimensional U.S. Marketwide Value ETF	Held	7,864	0	$432,520	−0.0%	0.16%
QQQ	Invesco Qqq Trust, Series 1	Held	523	0	$386,899	+0.5%	0.14%
TRV	Travelers Companies, Inc. Financial Services	Held	1,078	0	$384,317	+8.0%	0.14%
NVDA	Nvidia Corp Technology	Held	1,645	0	$375,685	+14.1%	0.14%
GOOGL	Alphabet Inc. Communication Services	Held	1,038	0	$357,155	−3.7%	0.13%
SRE	Sempra Utilities	Held	3,978	0	$310,124	−15.9%	0.11%
VGT	VANGUARD INFORMATION TECHNOLOGY INDEX FUND	Held	2,184	0	$274,463	+5.1%	0.10%
DFUS	Dimensional U.S. Equity Market ETF	Held	3,079	0	$255,649	+1.3%	0.09%
SCHD	Schwab U.S. Dividend Equity ETF	Held	7,173	0	$233,337	+2.6%	0.08%
ADBE	Adobe Inc. Technology	NEW	952	NEW	$228,422	NEW	0.08%
PEP	Pepsico Inc Consumer Defensive	Held	1,739	0	$220,366	−6.4%	0.08%
JPM	Jpmorgan Chase & Co Financial Services	Held	633	0	$209,415	+1.1%	0.08%
SPMO	Invesco Ltd. Financial Services	Added	197,101	+8,097	$0	−100.0%	0.00%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.