# Silver Oak Securities, Inc.

> Silver Oak Securities, Inc. is an SEC-registered investment advisory firm in Jackson, TN, registered since 2010, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 9, 2026.

- CRD: 46947
- Filed as: SILVER OAK SECURITIES, INC.
- Legal name: Silver Oak Securities Incorporated
- Also doing business as: AMERICAN CORNERSTONE GROUP, INC., AMS FINANCIAL GROUP, ARBOR FINANCIAL ADVISORS, ARMOR FINANCIAL, GROUP, ASSET PLANNING SERVICES, INC., B&H WEALTH, BARONE FINANCIAL GROUP, BENEFIT FINANCIAL SERVICES, LLC, BENNETT & BENNETT FINANCIAL, LLC, BIG ROCK WEALTH ADVISORS, BIVEN FINANCIAL SERVICES, BROWN FINANCIAL SERVICES, CAROLINAS WEALTH MANAGEMENT, CHANCERY FINANCIAL ADVISORS, CLOVER WEALTH PARTNERS, COKER WEALTH MANAGEMENT, LLC, COMPREHENSIVE FINANCIAL STRATEGIES, LLC, CORAM DEO ADVISORS, CORNERSTONE FINANCIAL GROUP, CREECH WEALTH MANAGEMENT, D & B ACCOUNTING & FINANCIAL GROUP, PLLC, DEKKER FINANCIAL SERVICES, EAST FINANCIAL, EJC INSURANCE AND FINANCIAL, F3 ADVISORS, FAMILY WEALTH ADVISORY, FINANCIAL RESOURCE ADVISORS, FINANCIAL SERVICE ASSOCIATES, GARRISON INVESTMENT STRATEGIES, GARY W DORSEY AND ASSOCIATES, GRUCZ FINANCIAL, HEARN WEALTH MANAGEMENT, HOLLIMAN GROUP, JAFFE WEALTH MANAGEMENT & CONSULTING INC., JMS FINANCIAL SOLUTIONS, LLC, JOANNA SLADE, CLU?, CFP?, EA, L.P. FINANCIAL ADVISORS, INC., LAMON & WALLACE, LEDGEROCK ADVISORS, LLC, LEON FINANCIAL GROUP, LIFETIME FINANCIAL GROUP, INC., LIFETIME FINANCIAL SOLUTIONS, INC., LOCKMUND FINANCIAL GROUP, MAGNATE WEALTH, MCKNIGHT ADVISORY GROUP, INC., MIDDLETON FINANCIAL, MOSS WEALTH ADVISORS, LLC, MOTIVE FINANCIAL SERVICES, NEW FINANCIAL CONCEPTS, INC., NICOLAS GEORGE FINANCIAL, PEAK WEALTH ADVISORS, PORTFOLIO IA, RAILEY FINANCIAL SERVICE, RETIREMENT SECURITY GROUP, SCHROCK FINANCIAL LLC, SECURE RETIREMENT ADVISORS, LLC, SMART PLAN FINANCIAL, SOLID ROCK RETIREMENT STRATEGIES, SOUTHERN TRUST WEALTH MANAGEMENT, SPIVEY FINANCIAL GROUP, STOLTZFUS FINANCIAL, TALLGRASS WEALTH MANAGEMENT, TRINITAS FINANCIAL PARTNERS, TRUNORTH INVESTMENT MANAGEMENT, VISION ASSET MANAGEMENT, VISION401K LLC, WEALTH COACH FINANCIAL, WICKER FINANCIAL GROUP, WINTEREGG AND ASSOCIATES, ZETTERGREN FINANCIAL GROUP, ZOOK FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Jackson, TN
- Filing period: October 2026
- Form ADV filing dated: September 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/46947
- AdvisorCensus page: https://advisorcensus.com/firm/silver-oak-securities-inc-jackson-tn-46947

## Quick answers

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

**How much does Silver Oak Securities, Inc. charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Flat fee: $15,000 to $75,000 a year (Align Wealth Management service). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Silver Oak Securities, Inc. located?**
Silver Oak Securities, Inc.'s principal office is in Jackson, TN, according to its Form ADV; the October 2026 filing also lists 21 other offices (Schedule D, Section 1.F).

**Is Silver Oak Securities, Inc. registered with the SEC or a state?**
Silver Oak Securities, Inc. is an SEC-registered investment advisory firm, registered since 2010. Status as filed: Approved. CRD 46947.

**How much does Silver Oak Securities, Inc. manage?**
Silver Oak Securities, Inc. reports $2,448,325,094 in regulatory assets under management in its Form ADV filing dated September 9, 2026 (98% discretionary).

**How have Silver Oak Securities, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Silver Oak Securities, Inc.: Regulatory assets under management: $765,802,520 in the October 2021 data and $2,448,325,094 in the October 2026 data, up 220%. Total employees: 70 in October 2021 and 103 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Silver Oak Securities, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (8,183); high net worth individuals (448); corporations or other businesses not listed above (92).

**Which custodians does Silver Oak Securities, Inc. use?**
Silver Oak Securities, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Silver Oak Securities, Inc. report any disciplinary disclosures?**
Reports 4 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation), 11.D(4) (another regulator's order in the past ten years), 11.D(5) (another regulator's denial, suspension, or revocation of a registration or license, bar, or restriction), and 11.E(2) (self-regulatory organization's finding of a rule violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/46947

**What changed in Silver Oak Securities, Inc.'s recent Form ADV filings?**
In the October 2026 filing data: Added the business name Nicolas George Financial.

## 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 March 31, 2026)

- Flat fee: $15,000 to $75,000 a year (Align Wealth Management service)

> The cost of the Align Wealth Management service is an annual, fixed fee of $15,000.00 - $75,000.00. The fee is billed semi-annually in advance

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $2,448,325,094
- Discretionary: $2,403,811,769
- Non-discretionary: $44,513,325

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 8,183 | $1,453,260,527 |
| High net worth individuals | 448 | $954,462,903 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 23 | $3,379,578 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 92 | $37,222,086 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2010 (16 years)
- Employees: 103 total, 103 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- Disclosures (Item 11): Reports 4 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.D(5): Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?
- 11.E(2): Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/46947

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Beachwood, OH
- Bowling Green, KY
- Brentwood, TN
- Chandler, AZ
- Cincinnati, OH
- Colorado Springs, CO
- Creston, IA
- Florence, KY
- Greenville, SC
- Greenwood, IN
- Kingsport, TN
- Knoxville, TN
- Louiisville, KY
- Louisville, KY
- Memphis, TN
- Mount Joy, PA
- Murfreesboro, TN
- Peoria, IL
- Salt Lake City, UT
- Warminster, PA
- Wilmette, IL

### Websites listed on Form ADV (Item 1.I)
- joinsilveroaksecurities.com
- silveroaksecurities.com
- Facebook @Silver-Oak-Securities-Inc-100349893358629
- LinkedIn @silveroaksecurities

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $765,802,520 | 70 | September 16, 2021 |
| October 2022 | $1,033,658,494 | 95 | September 26, 2022 |
| October 2023 | $1,092,291,574 | 96 | September 27, 2023 |
| October 2024 | $1,463,326,334 | 105 | August 30, 2024 |
| October 2025 | $2,028,010,263 | 106 | July 2, 2025 |
| October 2026 | $2,448,325,094 | 103 | September 9, 2026 |

Regulatory assets under management: $765,802,520 in the October 2021 data and $2,448,325,094 in the October 2026 data, up 220%.
Total employees: 70 in October 2021 and 103 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Added the business name Nicolas George Financial.

### August 2026
- No longer lists the business name Fortune Strategies LLC.
- Added the business name East Financial.

### June 2026
- Added the business name Motive Financial Services.

### April 2026
- No longer lists the business name Black Oak Asset Management.
- No longer lists the business name Invite Wealth Management.
- Added the business name Clover Wealth Partners.
- Employees performing advisory functions went from 106 to 103.
- Regulatory assets under management went from $2,028,010,263 to $2,448,325,094 (+21%).
- Added an office in Louisville, KY.
- No longer lists an office in Alpharetta, GA.

### January 2026
- Added the business name VISION401K LLC.
- Added the business name Benefit Financial Services, LLC.

### December 2025
- No longer lists the business name Joanna Slade, CLU®, CFP®, EA.
- Added the business name Secure Retirement Advisors, LLC.
- Added the business name Leon Financial Group.
- Added the business name Joanna Slade, CLU?, CFP?, EA.
- Added the business name Barone Financial Group.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Silver Oak Securities, Inc. (CRD 46947): Form ADV filing data as of October 2026.