Ryan Hughes
You work hard for your money. We’ll work hard to help you capitalize on what you’ve earned. Bull Oak is a full-service financial advisory firm. We provide investment management, financial planning, tax strategy, tax preparation and filing, and estate planning. Our all-inclusive service frees up your time and gives you an optimal wealth management experience with harmony between all aspects of your financial life.
Bull Oak · Rancho Santa Fe, California
Ryan Hughes is a fee-only financial advisor at Bull Oak in Rancho Santa Fe, California, who holds the CFP credential. Ryan charges a flat fee or retainer and a percentage of assets (ongoing planning from $16,000 a year and 0% a year on the first tier of assets managed) and focuses on small business owners, retirement planning and equity compensation.
Request an introduction to Ryan →
Specialties
Who they serve
- High earners
- Ultra high net worth
- Executives
- Founders
- Pre-retirees
- Retirees
- Early-career professionals
- Tech employees
About
A San Diego-based fiduciary financial advisor who believes data-driven planning and pragmatic investing provide the best opportunity for financial success. Our process is personalized and methodical. We help our clients achieve more through well-informed foresight.
Bull Oak is a full-service financial advisory firm. We provide investment management, financial planning, tax strategy, tax preparation and filing, and estate planning. Our all-inclusive service frees up your time and gives you an optimal wealth management experience with harmony between all aspects of your financial life.
Many firms operate like an assembly line and treat you like a product. We think thoughtful financial planning and well-researched investment decisions provide you with the best probability for success. So that’s what we do.
You work hard for your money. We’ll work hard to help you capitalize on what you’ve earned. Talk with a Bull Oak financial advisor and see what we can accomplish together.
Get started today → https://bulloak.com/
Services
- Portfolio Management
- Asset Allocation
- Retirement Planning
- 401(k) & IRA Management
- Financial Planning
- Tax Strategy
- Exit Planning
- Executive Compensation
- Stock Option Planning
- Investment Management
- Liquidity & Exit Planning
- Wealth Management
Facts
| Firm | Bull Oak |
|---|---|
| Based in | Rancho Santa Fe, California |
| Fee model | Flat fee or retainer · Percentage of assets |
| Fees (firm's website) | Ongoing planning from $16,000 a year · 0% a year on the first tier of assets managed · Typically works with clients with $2,000,000 or more |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $100M - $500M |
| Firm founded | 2014 |
| Firm size | 6 - 20 employees |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA, TX · CRD 5430536 |
| Exams passed | Series 66 (2008) |
| Firm size | 7 employees |
| Disclosures | None reported |
| Website | bulloak.com |
| Profile |
Request an introduction to Ryan
Tell Ryan a little about what you're looking for. Ryan isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Ryan
Is Ryan Hughes a fee-only financial advisor?
Yes. Ryan Hughes is listed in the public advisor directory (listed as fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ryan's firm.
How does Ryan charge for financial advice?
Ryan charges a flat fee or retainer and a percentage of assets.
How much does Ryan charge?
According to Bull Oak's website, checked October 28, 2026: ongoing planning from $16,000 a year; 0% a year on the first tier of assets managed; typically works with clients with $2,000,000 or more.
Does Ryan work with clients virtually?
Yes. Bull Oak says on its website that it works with clients remotely.
Where is Ryan Hughes based?
Ryan Hughes is based in Rancho Santa Fe, California.
What does Ryan specialize in?
Ryan's specialties include small business owners, retirement planning, equity compensation, tax planning and estate & legacy planning. Ryan works with high earners, ultra high net worth, executives, founders and pre-retirees.
What credentials does Ryan Hughes hold?
Ryan Hughes holds the CFP credential.
Is Ryan Hughes registered with the SEC?
Yes. Ryan Hughes is registered as an investment adviser representative in CA and TX (CRD 5430536), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Bull Oak manage?
Bull Oak reports $100M - $500M in assets under management.
How do I contact Ryan Hughes?
Through Ryan's website, bulloak.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- Public advisor directory : listed as fee-only
- Bull Oak website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 25, 2026.
See something wrong? Request a correction. Read our methodology.