# White Oaks Wealth Advisors, Inc.

> White Oaks Wealth Advisors, Inc. is an SEC-registered investment advisory firm in Minneapolis, MN, registered since 2014, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated April 17, 2026.

- CRD: 173522
- Filed as: WHITE OAKS WEALTH ADVISORS, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Minneapolis, MN
- Filing period: October 2026
- Form ADV filing dated: April 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/173522
- AdvisorCensus page: https://advisorcensus.com/firm/white-oaks-wealth-advisors-inc-minneapolis-mn-173522

## Quick answers

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

**Where is White Oaks Wealth Advisors, Inc. located?**
White Oaks Wealth Advisors, Inc.'s principal office is in Minneapolis, MN, according to its Form ADV; the May 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is White Oaks Wealth Advisors, Inc. registered with the SEC or a state?**
White Oaks Wealth Advisors, Inc. is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 173522.

**How much does White Oaks Wealth Advisors, Inc. manage?**
White Oaks Wealth Advisors, Inc. reports $618,305,647 in regulatory assets under management in its Form ADV filing dated April 17, 2026 (100% discretionary).

**How have White Oaks Wealth Advisors, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for White Oaks Wealth Advisors, Inc.: Regulatory assets under management: $460,285,619 in the October 2021 data and $618,305,647 in the October 2026 data, up 34%. Total employees: 6 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does White Oaks Wealth Advisors, Inc. serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (171); individuals (other than high net worth individuals) (48).

**Which custodians does White Oaks Wealth Advisors, Inc. use?**
White Oaks Wealth Advisors, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and National Advisors Trust Company as custodians holding 10% or more of its separately managed account assets.

**Does White Oaks Wealth Advisors, Inc. 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/173522

**Does White Oaks Wealth Advisors, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated April 17, 2026 says: "Our firm’s investment management portfolio minimum is $2,000,000 and can be waived at White Oaks discretion."

**What changed in White Oaks Wealth Advisors, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 3 to 2. Regulatory assets under management went from $530,043,159 to $618,305,647 (+17%). Added an office in Sarasota, FL.

## 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 April 17, 2026)

- Account minimum: $2,000,000 (the brochure says it may be waived or negotiated)

> Our firm’s investment management portfolio minimum is $2,000,000 and can be waived at White Oaks discretion.

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.
- National Advisors Trust Company

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: $618,305,647
- Discretionary: $618,305,647
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 48 | $33,853,754 |
| High net worth individuals | 171 | $575,109,354 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $6,006,407 |
| Charitable organizations | Fewer than 5 | $3,336,132 |

### 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
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters
- Other

### Firm details
- Registered since: 2014 (11 years)
- Employees: 5 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, FL, MN, TX, WA, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the May 2026 filing
- Sarasota, FL

### Websites listed on Form ADV (Item 1.I)
- whiteoakswealth.com
- LinkedIn @white-oaks-wealth-advisors-inc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $460,285,619 | 6 | March 22, 2021 |
| October 2022 | $503,578,561 | 6 | August 17, 2022 |
| October 2023 | $449,288,892 | 6 | March 2, 2023 |
| October 2024 | $490,918,360 | 5 | April 19, 2024 |
| October 2025 | $530,043,159 | 6 | March 12, 2025 |
| October 2026 | $618,305,647 | 5 | April 17, 2026 |

Regulatory assets under management: $460,285,619 in the October 2021 data and $618,305,647 in the October 2026 data, up 34%.
Total employees: 6 in October 2021 and 5 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 3 to 2.
- Regulatory assets under management went from $530,043,159 to $618,305,647 (+17%).
- Added an office in Sarasota, FL.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. White Oaks Wealth Advisors, Inc. (CRD 173522): Form ADV filing data as of October 2026.