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Ryan Anthony Hughes

A Smarter Investment Strategy. Outstanding Results.

Bull Oak Capital, LLC

San Diego

CA

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Investment Companies
    • -Businesses or Institutional Clients

Qualifications

Experience

No timeline events available.
Employer Years Dates
Ucla Anderson School of Management 3 months Sep 2015 - Dec 2015
Bull Oak Capital, LLC 3 years, 10 months Jan 2014 - Present
Bull Oak Capital, LLC 3 years, 10 months Jan 2014 - Present
Ucla Anderson School of Management 1 year, 8 months Jul 2012 - Mar 2014
Charles Schwab & Co 2 years, 3 months Apr 2010 - Jul 2012
Morgan Stanley Smith Barney 1 year, 6 months Oct 2008 - Apr 2010
Merrill Lynch & Co 9 months Jan 2008 - Oct 2008
University of Southern California 2 years, 4 months Aug 2005 - Dec 2007

Designations & Memberships

  • American Association of Individual Investors
    Membership
    American Association of Individual Investors
    The American Association of Individual Investors is a nonprofit organization with about 150,000 members whose purpose is to educate individual investors regarding stock market portolios, financial planning, and retirement accounts.
  • Chartered Asset Manager
    Designation
    Chartered Asset Manager
    A professional designation offered by the American Academy of Financial Management (AAFM). The prerequisites for the Chartered Asset Manager (CAM) program are three years or more of financial planning experience in asset management and financial planning, andan AAFM-approved degree or other approved program.
  • Chartered Portfolio Manager
    Designation
    Chartered Portfolio Manager
    The program teaches equity valuation techniques, dynamics that drive financial markets, how to construct and manage portfolios, and many other portfolio management topics.
  • Master Financial Professional
    Designation
    Master Financial Professional
    Individuals holding this designation have completed advanced studies in finance, investing, asset and portfolio management, taxes and accounting.

Articles and Answers

Insights by Ryan Hughes

Bull Oak Newsletter – Cautious Optimism
Published 2014-12-30 12:26:55
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    I have a very good company sponsored 401k. The company was paying the matching funds as company stock.
    You are basically riding momentum by switching in and out of your company's stock and into other funds. I don't know what those other funds are, but momentum is real and many practiced traders use this methodology. However, it is very risky and many investors get burned. Be wary of this strategy. Es...  (more)
    Answered Jan 2015
    How do I get information about Penny Stocks.
    Penny stocks are stocks that trade under $5 per share, per the SEC's definition. However, most people think of these stocks as under $1.00. Regardless, they pose serious investment risks as they are very volatile and illiquid investments. Watch out. The biggest concerns, of course, is that there is ...  (more)
    Answered Oct 2014
    Letter from SS of potential private retirement benefit from 1997 under Simione Central Holding INC in Atlanta.
    Hello Melodie! I'm assuming the notice you received from the SSA was a Notice of Potential PrivatePension Benefit Information. Individuals will receive this form if they recently filed for Social Security or Medicare benefits. Keep in mind, that notice only indicates a "potential" benefit. You may...  (more)
    Answered Nov 2014
    Does my financial advisor need to be local to my area to be successful with me?
    I have a few clients that live outside of San Diego (LA, SF, NYC, and Denver). However, I met with them all before we established a formal relationship. So, no, you do not need to work with a local advisor. However, it is in the best interest for you and for the advisor to meet face-to-face, at leas...  (more)
    Answered Jan 2015
    How does inflation affect fixed income investments?
    If you want to measure a bond's sensitivity to rising interest rates (which usually happens in higher inflationary periods), look at the bond's duration number. The longer the duration, the more sensitive the bond is. For example: If a bond mutual fund has a duration of 5.2 years, and you expect in...  (more)
    Answered Jan 2015
    What is your best solution for conservative client that needs inflation protection for the next 50 years- currently married age 55 and live to over 100+ expected? What solutions are there to protect cash flow to meet inflation demands in the future?
    There are no guarantees when it comes to beating inflation, but that's what TIPS (Treasury Inflation Protected Securities) are for. But many professionals are wary when putting all of somebody's assets into one asset class. This is why diversification is so important. It can protect you from many of...  (more)
    Answered Jan 2015
    I have a 401K with a former employer who was recently bought. Wondering if I should transfer the funds and where?
    You can roll your 401(k) to a custodian (many are extremely cheap) and manage it yourself. By leaving it at a 401(k) that you no longer work at, your investment options are at the whims of the current advisor for the plan. And, quite honestly, most advisors for these plans are not very good and thei...  (more)
    Answered Jan 2015
    Follow up to whether to migrate existing 401K to new 401K or IRA:?
    Be careful about target date funds. I've done a lot of post graduate work on asset allocation and a lot these funds have too much equity risk. Assuming you are going to retire at 65, then you would probably choose a ~2040 fund. This fund has ~90% equity. That's insane. The 10% bond allocation offers...  (more)
    Answered Jan 2015
    If I'm a CFO looking for info about data driven finance and integrated financial management. How would I look for a solution?
    By data driven finance, do you mean quantitative investment strategies? ...  (more)
    Answered Jan 2015
    How can we get more detailed benchmarks?
    Hi Vivian, If your question has yet to be answered, perhaps this can help. Many different companies provide their own indices/benchmarks that follow different asset classes (stocks, bonds, commodities, etc.). Although I don't know what benchmark data you are trying to find, there are financial data...  (more)
    Answered Oct 2014
    Rollover 401K to O&G weighted IRA /ETF /Mutual Fund?
    If you can take a withdrawal or a rollover (check plan documents or check with HR department), then you can probably open up an account at a number of firms (Schwab, Fidelity, Merrill Lynch, etc.). From there, you can invest in Energy mutual funds, ETFs, stocks, etc. There are too many to list here....  (more)
    Answered Dec 2014
    I have a trust found for school set up and i am going to school and i am not getting any help, what should i do?
    You should also be able to use the Post 9/11 GI Bill to help pay for school (if not all of it with an additional living allowance). If you haven't already, reference the VA for more information: http://www.benefits.va.gov/gibill/post911_gibill.asp This should help you save a bit more money, which yo...  (more)
    Answered Dec 2014
    I work for a company that repairs electronic devices. Some receive bonuses and others do not. Is this legal to do?
    Hi Leah, I'm not an attorney, but I'm pretty sure it's legal for your company to do this. Many different companies have different incentive programs for their sales force. Talk to your manager if you feel slighted. ...  (more)
    Answered Feb 2015
    Should I invest in the stock market or mutual funds?
    I don't think your question has been answered. There are plenty of answers already on the benefits of investing in stocks, diversification, and how mutual funds, ETFs, etc work. Honestly, to a financial advisor, the stock vs. mutual fund comment raises huge red flags and a lot of us got side tracke...  (more)
    Answered Jan 2015
    Should I invest in gold?
    I think the answer depends a lot on where you live. Think of gold as another currency. Don't believe the talk that gold is only used as a hedge against inflation. Currency devaluation and inflation are two different things entirely. Here in the U.S., there isn't an immediate risk to the devaluation/...  (more)
    Answered Jan 2015
    My insurance agent says their are no fees for the investment products he wants to sell me.  How can he make a living if the products he sells don't have fees?
    While there is certainly a possibility that the insurance agent is lying to you, there is also a real possibility that he doesn't understand how insurance products work (which is frightening). This is not the first time that I've come across naïve insurance agents. A lot of insurance agents think of...  (more)
    Answered Jan 2015
    Need help to analyze my financial portfolio?
    Naren, please do not follow Fulton's advice. I don't want you to make a grave mistake. Nobody knows what the stock market is going to do in the next 3-6 months. If the markets do fall in 3-6 months, Fulton will assume that he has a high level of skill. If it doesn't fall, he will assume that this wa...  (more)
    Answered Jan 2015
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Feb 1, 2017
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Feb 2, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Bull Oak Capital, LLC

      Last updated on March 14, 2017
        • $18.0M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 117
          Accounts
        • $153.8K
          Estimated Average Account Balance

      Fees

      Fee Only Advisor
      $
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements