# OAR Financial

> OAR Financial is an SEC-registered investment advisory firm in Bryn Mawr, PA, registered since 2011, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 18, 2026.

- CRD: 158989
- Filed as: OAR FINANCIAL
- Legal name: Palladiem LLC
- Also doing business as: OAR FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bryn Mawr, PA
- Filing period: October 2026
- Form ADV filing dated: March 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/158989
- AdvisorCensus page: https://advisorcensus.com/firm/oar-financial-bryn-mawr-pa-158989

## Quick answers

**How is OAR Financial compensated?**
On its Form ADV (Item 5.E, October 2026), OAR Financial reports these compensation arrangements: a percentage of assets under its management.

**Where is OAR Financial located?**
OAR Financial's principal office is in Bryn Mawr, PA, according to its Form ADV.

**Is OAR Financial registered with the SEC or a state?**
OAR Financial is an SEC-registered investment advisory firm, registered since 2011. Status as filed: Approved. CRD 158989.

**How much does OAR Financial manage?**
OAR Financial reports $114,524,480 in regulatory assets under management in its Form ADV filing dated March 18, 2026 (100% discretionary).

**How have OAR Financial's assets and staff changed since 2021?**
In the Form ADV data for OAR Financial: Regulatory assets under management: $804,964,069 in the October 2021 data and $114,524,480 in the October 2026 data, down 86%. Total employees: 5 in October 2021 and 10 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does OAR Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (25); charitable organizations (10); corporations or other businesses not listed above (5).

**Which custodians does OAR Financial use?**
OAR Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists First Clearing Corporation as a custodian holding 10% or more of its separately managed account assets.

**Does OAR Financial report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/158989

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated March 18, 2026)

- Minimum annual fee: $35,000

> We will generally charge a minimum annual fee of $35,000. If an account is terminated within the quarter, we will refund the days in the quarter the account was not under our management.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- First Clearing Corporation

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $114,524,480
- Discretionary: $114,524,480
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| High net worth individuals | 25 | $6,885,862 |
| Banking or thrift institutions | Not reported | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Charitable organizations | 10 | $102,787,940 |
| State or municipal government entities (including government pension plans) | 1 | $1,688,241 |
| Insurance companies | Not reported | $0 |
| Sovereign wealth funds and foreign official institutions | Not reported | $0 |
| Corporations or other businesses not listed above | 5 | $3,162,437 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Other

### Firm details
- Registered since: 2011 (14 years)
- Employees: 10 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: PA, PR
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- oarfinancial.com
- LinkedIn @oar-financial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $804,964,069 | 5 | June 29, 2021 |
| October 2022 | $752,303,325 | 5 | March 31, 2022 |
| October 2023 | $590,428,598 | 4 | March 29, 2023 |
| October 2024 | $465,999,930 | 3 | March 19, 2024 |
| October 2025 | $112,616,089 | 10 | February 28, 2025 |
| October 2026 | $114,524,480 | 10 | March 18, 2026 |

Regulatory assets under management: $804,964,069 in the October 2021 data and $114,524,480 in the October 2026 data, down 86%.
Total employees: 5 in October 2021 and 10 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. OAR Financial (CRD 158989): Form ADV filing data as of October 2026.