# John Sinchok

> John Sinchok is a fee-only financial advisor at OxenFree Financial in Melbourne, Florida. John charges a percentage of assets and focuses on retirement planning.

Page: https://find.wellspent.co/advisors/john-sinchok/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** OxenFree Financial
- **Based in:** Melbourne, Florida
- **Fee model:** Percentage of assets
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $249.8M across 1,983 accounts
- **Specialties:** Retirement planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 7511028 (https://adviserinfo.sec.gov/individual/summary/7511028)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 65 (2022)
- **Firm size:** 8 employees
- **Disclosures:** Reported; see the SEC record
- **Website:** https://www.oxenfreefinancial.com

## Frequently asked questions

### Is John Sinchok a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: John holds no broker registration, and OxenFree Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does John charge for financial advice?

John charges a percentage of assets.

### Where is John Sinchok based?

John Sinchok is based in Melbourne, Florida.

### What does John specialize in?

John's specialties include retirement planning. John works with retirees and pre-retirees.

### Is John Sinchok registered with the SEC?

Yes. John Sinchok is registered as an investment adviser representative in FL (CRD 7511028), per SEC Investment Adviser Public Disclosure data as of October 29, 2026. The record lists disclosures; see the SEC record for details.

### How much does OxenFree Financial manage?

OxenFree Financial reports $249.8M across 1,983 accounts in assets under management.

### How do I contact John Sinchok?

Through John's website, www.oxenfreefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7511028): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://oxenfreefinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.