# Red Oak Financial Group

> Red Oak Financial Group is an SEC-registered investment advisory firm in Towson, MD, registered since 2015, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated July 17, 2026.

- CRD: 166912
- Filed as: RED OAK FINANCIAL GROUP
- Legal name: Red Oak Financial Group, LLC
- Also doing business as: RED OAK RETIREMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Towson, MD
- Filing period: October 2026
- Form ADV filing dated: July 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/166912
- AdvisorCensus page: https://advisorcensus.com/firm/red-oak-financial-group-towson-md-166912

## Quick answers

**How is Red Oak Financial Group compensated?**
On its Form ADV (Item 5.E, October 2026), Red Oak Financial Group reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Red Oak Financial Group charge?**
Its Form ADV Part 2A brochure dated July 17, 2026 states: Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states); Hourly rate: $150 to $500 an hour (financial planning services); Flat fee: $1,500 to $15,000 (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Red Oak Financial Group located?**
Red Oak Financial Group's principal office is in Towson, MD, according to its Form ADV.

**Is Red Oak Financial Group registered with the SEC or a state?**
Red Oak Financial Group is an SEC-registered investment advisory firm, registered since 2015. Status as filed: Approved. CRD 166912.

**How much does Red Oak Financial Group manage?**
Red Oak Financial Group reports $1,040,249,413 in regulatory assets under management in its Form ADV filing dated July 17, 2026 (59% discretionary).

**How have Red Oak Financial Group's assets and staff changed since 2021?**
In the Form ADV data for Red Oak Financial Group: Regulatory assets under management: $529,294,837 in the October 2021 data and $1,040,249,413 in the October 2026 data, up 97%. Total employees: 12 in October 2021 and 20 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Red Oak Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,051); pension and profit sharing plans (but not the plan participants or government pension plans) (151).

**Which custodians does Red Oak Financial Group use?**
Red Oak Financial Group's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC and Vanguard Marketing Corporation as custodians holding 10% or more of its separately managed account assets.

**Does Red Oak Financial Group 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/166912

**Does Red Oak Financial Group state an account minimum?**
Its Form ADV Part 2A brochure dated July 17, 2026 says: "Red Oak Financial generally does not impose a minimum size for establishing a relationship."

**What changed in Red Oak Financial Group's recent Form ADV filings?**
In the May 2026 filing data: Changed its legal name from Compton Financial Group, LLC to Red Oak Financial Group, LLC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated July 17, 2026)

- Asset-based fee: up to 1.5% of assets a year (the maximum the brochure states)

> Wealth management fees range up to 1.50% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor.

- Account minimum: None

> Red Oak Financial generally does not impose a minimum size for establishing a relationship.

- Hourly rate: $150 to $500 an hour (financial planning services)

> Financial planning services are offered on either an hourly basis or for a fixed fee per engagement. Hourly engagements are at a rate of $150 to $500 per hour.

- Flat fee: $1,500 to $15,000 (financial planning services)

> Fixed fee engagements range from $1,500 to $15,000. Fees are negotiable based on the nature and complexity of the services to be provided

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

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC
- Vanguard Marketing 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: $1,040,249,413
- Discretionary: $616,703,187
- Non-discretionary: $423,546,226

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,051 | $615,537,114 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 151 | $423,546,226 |
| Charitable organizations | Fewer than 5 | $954,447 |
| Corporations or other businesses not listed above | Fewer than 5 | $211,626 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2015 (11 years)
- Employees: 20 total, 6 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: DC, DE, FL, LA, MD, NC, NY, PA, SC, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- comptonfinancial.com
- redoak1978.com
- Facebook @redoakfinancial1978
- LinkedIn @redoak-financial-group

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $529,294,837 | 12 | August 30, 2021 |
| October 2022 | $621,854,183 | 14 | September 22, 2022 |
| October 2023 | $589,989,322 | 20 | August 22, 2023 |
| October 2024 | $721,019,163 | 20 | June 27, 2024 |
| October 2025 | $836,788,025 | 19 | March 21, 2025 |
| October 2026 | $1,040,249,413 | 20 | July 17, 2026 |

Regulatory assets under management: $529,294,837 in the October 2021 data and $1,040,249,413 in the October 2026 data, up 97%.
Total employees: 12 in October 2021 and 20 in October 2026.

## Changes in the filing (last 12 months)

### May 2026
- Changed its legal name from Compton Financial Group, LLC to Red Oak Financial Group, LLC.

### April 2026
- Employees performing advisory functions went from 7 to 6.
- Regulatory assets under management went from $836,788,025 to $1,040,249,413 (+24%).

### December 2025
- Employees performing advisory functions went from 6 to 7.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Red Oak Financial Group (CRD 166912): Form ADV filing data as of October 2026.