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Fee-only fiduciary financial planning designed to help you make better decisions around retirement, taxes, investments, and major life transitions.
At Oak Summit, we provide ongoing financial planning for clients in San Diego and nationwide. We work with retirees, near-retirees, business owners, inheritors, widows, divorced individuals, and families who want thoughtful guidance that connects retirement, tax planning, investments, estate planning, and major financial decisions into one coordinated strategy.
Most financial decisions are made in isolation. Our process is designed to bring them together into one clear, coordinated strategy.
Led by Michael Randall, Chartered Financial Analyst (CFA®) Charterholder, Certified Financial Planner (CFP®), Enrolled Agent (EA), Oak Summit combines comprehensive financial planning, investment management, and tax-focused advice under one roof.
Financial planning is the process of helping you make coordinated decisions across retirement, taxes, investments, estate planning, insurance, and cash flow so your financial strategy works together over time rather than as separate pieces.
We start by understanding your current financial situation, priorities, and the decisions you are facing. From there, we build a coordinated strategy that connects retirement planning, tax planning, investment management, and long-term financial goals.
As we move forward, we revisit the plan regularly, evaluate new opportunities, and help you make informed decisions as your life changes. The goal is not simply to create a financial plan once. The goal is to help you make better decisions year after year.
Comprehensive financial planning is not just about investments and it is not a one-time report. It is an ongoing process of helping you make better decisions across the major areas of your financial life.
That includes retirement planning, tax strategy, portfolio decisions, cash flow, estate planning coordination, insurance review, Social Security timing, withdrawal planning, charitable giving, and guidance through important life changes. Each of those decisions affects the others, which is why strong planning looks at the full picture rather than treating each issue in isolation.
At Oak Summit, we believe financial planning should make life simpler, not more complicated. The point is not to produce complexity. The point is to help you understand your options, make thoughtful tradeoffs, and move forward with confidence.
Our financial planning work is designed for people who need more than basic investment advice. Many of our clients are approaching retirement, already retired, managing significant assets, receiving an inheritance, navigating a divorce, adapting after the loss of a spouse, dealing with concentrated stock positions, or trying to make more informed tax decisions as their financial life becomes more complex.
A client approaching retirement may need to decide when to claim Social Security, how much to withdraw from different accounts, whether Roth conversions make sense, and how to position the portfolio for both near-term income and long-term growth. Each of those decisions affects taxes, flexibility, and future retirement outcomes. Our role is to help coordinate those decisions so they work together rather than conflict with one another.
Many advisors say they offer financial planning, but in practice the relationship is still centered mostly on portfolio management. At Oak Summit, financial planning is at the center of the relationship, with investment management and tax strategy built around it.
As a fee-only fiduciary firm, we do not sell products or earn commissions. Our advice is designed to be objective, coordinated, and aligned with each client's long-term goals.
Michael Randall is a Chartered Financial Analyst (CFA®) Charterholder, Certified Financial Planner (CFP®), and Enrolled Agent (EA), bringing together investment expertise, financial planning, and tax awareness in a single advisory relationship.
For many clients, the value is not just in having a portfolio. It is in having someone help connect retirement decisions, tax strategy, cash flow, and long-term planning into one clear process.
Most advisors focus primarily on managing investments. We focus on helping you make better decisions across your entire financial life.
Oak Summit is a fee-only fiduciary financial advisory firm based in North Park, San Diego. We work with clients throughout San Diego County as well as individuals and families across the country.
For San Diego clients, financial planning often involves coordinating retirement decisions, California taxes, investment portfolios, valuable real estate, business or professional income, charitable giving, estate planning, and major life transitions. Decisions in one area can affect several others, which is why our planning process looks at the full financial picture rather than addressing each issue separately.
Many clients work with us virtually, but our planning remains personal, detailed, and ongoing. The goal is to provide one coordinated strategy that evolves as your life, finances, and priorities change.
These are some of the most common financial planning questions we hear from clients and prospective clients.
If you're looking for coordinated guidance across investments, taxes, retirement, and long-term planning, schedule a complimentary consultation to see whether Oak Summit is the right fit.
Schedule a Free ConsultationLast updated: September 2026
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