Tax-Smart Financial Planning and Investment Management

Oak Summit brings fee-only fiduciary financial planning, investment management, retirement planning, and proactive tax strategy together in one coordinated long-term plan.

Based in San Diego, serving clients locally and nationwide.

Explore Our Services
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Advanced Tax Strategies
Tax minimization is at the core of everything we do. We design advanced strategies including Roth conversions, charitable giving plans, executive compensation optimization, and tax-efficient investment management, to help you keep more of what you’ve earned and grow it more efficiently over time.
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Retirement Planning
Retirement should be rewarding, not stressful. We guide you through key decisions, including income planning, investment strategy, and tax management, to help ensure your retirement is both financially secure and personally fulfilling.
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Investment Management
We build customized, tax-efficient investment portfolios tailored to your unique needs and goals. Our approach is grounded in evidence-based strategies, low costs, and complete transparency, with no commissions, ever.
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Transitional Planning
Life transitions, whether the loss of a loved one, a divorce, or another major change, bring unique financial challenges. We specialize in helping clients find clarity, confidence, and peace of mind during these difficult times through thoughtful, compassionate financial planning.
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Why Clients Choose Oak Summit

Comprehensive Financial Planning - Not Just Investments

Other Advisors - What You Might Not Get Elsewhere

Choosing the right financial advisor is one of the most important decisions you’ll make. Unfortunately, many advisors offer only limited planning, lack advanced credentials, or are not required to act in your best interest — leaving clients with incomplete advice and hidden fees.

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Fiduciary
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Fee-Only and one transparent fee for all services
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CERTIFIED FINANCIAL PLANNER® (CFP®)
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Chartered Financial Analyst® (CFA®) Charterholder
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Advanced Tax Strategies and Expertise (IRS EA)
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Investment Management 
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Retirement Planning
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Comprehensive Financial Planning
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Estate Planning Guidance
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Fully Customized Experience 
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Independent
The Oak Summit Wealth Management Standard

At Oak Summit, we specialize in tax-efficient financial planning and wealth management for retirees, widowed, business owners, and familes experiencing major transition. As a fiduciary, our only priority is serving your best interests with clear advice and one simple fee.

Every Oak Summit client relationship includes:

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Fiduciary
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Fee-Only and one transparent fee for all services
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CERTIFIED FINANCIAL PLANNER® (CFP®)
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Chartered Financial Analyst® (CFA®) Charterholder
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Advanced Tax Strategies and Expertise (IRS EA)
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Investment Management 
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Retirement Planning
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Comprehensive Financial Planning
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Estate Planning Guidance
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Fully Customized Experience 
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Independent
Learn more about our client experience
FINANCIAL PLANNING CASE STUDIES

Navigating Retirement, Inheritance, and Life’s Transitions with Clarity and Confidence

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Nearing Retirement & Retired
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Widowed & Divorced
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Self-Employed
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Received an Inheritance
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michael randall
Meet Michael Randall, CFA, CFP®, EA

Michael is the Owner and a Financial Planner at Oak Summit Wealth Management.
With more than a decade of experience, Michael specializes in advanced tax planning, wealth management, and personalized investment strategies. As a Chartered Financial Analyst® Charterholder, CERTIFIED FINANCIAL PLANNER®, and IRS Enrolled Agent, he helps retirees, widowers, inheritors, and business owners build lasting, tax-efficient financial plans designed for long-term success.

Read the Full Bio

Ready to Talk?

If you’re looking for thoughtful, coordinated guidance across financial planning, investments, retirement, and tax strategy, I’d be happy to learn more about your situation and see whether Oak Summit is the right fit.

Schedule a Free Consultation
Free Consultation
Contact

info@oaksummit.com

(619) 923-3584

3245 University Ave. Suite 289
San Diego, CA 92104

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© 2026. Oak Summit Wealth Management. All Rights Reserved.
Advisory services offered through Oak Summit Wealth Management, Inc., an investment adviser registered with the state of California. Advisory services are only offered to clients or prospective clients where Oak Summit Wealth Management, Inc. and its representatives are properly registered or exempt from registration. The information on this site is not intended as tax, accounting or legal advice, nor is it an offer or solicitation to buy or sell, or as an endorsement of any company, security, fund, or other offering. Information provided should not be solely relied upon for decision making. Please consult your legal, tax, or accounting professional regarding your specific situation. Investments involve risk and have the potential for complete loss. It should not be assumed that any recommendations made will necessarily be profitable. The information on this site is provided “AS IS” and without warranties either express or implied and the information may not be free from error. Your use of the information provided is at your sole risk.