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Fee-only fiduciary investment management designed to help you build, preserve, and manage wealth with a disciplined long-term strategy.
At Oak Summit, we provide investment management for clients in San Diego and nationwide. Our approach is about more than picking investments or chasing returns. We build portfolios around your goals, risk tolerance, tax situation, and the role your money needs to play in your life. For retirees, near-retirees, business owners, inheritors, and families managing significant assets, investment decisions are coordinated with the broader financial plan rather than made in isolation.
Markets will always fluctuate. The goal is to build a portfolio that continues to make sense through those changes.
Led by Michael Randall, Chartered Financial Analyst (CFA®) Charterholder, Certified Financial Planner (CFP®), Enrolled Agent (EA), Oak Summit integrates investment management directly into financial planning and tax planning.
Investment management is the process of building, managing, and adjusting a portfolio based on your goals, time horizon, risk tolerance, tax situation, and long-term financial plan rather than reacting to short-term market noise.
We start by understanding your full financial picture, including your goals, cash flow needs, time horizon, tax situation, and comfort with risk. From there, we build a portfolio designed to support your long-term plan rather than simply trying to outperform in the short term.
As we move forward, we monitor the portfolio, rebalance when appropriate, manage risk, evaluate tax consequences, and make adjustments as your life changes. The goal is not constant activity. The goal is disciplined decision-making and a portfolio that continues to fit the job it is meant to do.
Good investment management is not just about choosing a few funds or trying to beat the market this year. It is about creating a durable strategy that matches your goals and helping you stay disciplined when markets become emotional or uncertain.
That includes asset allocation, diversification, rebalancing, tax awareness, cash management, withdrawal planning, and ongoing coordination with retirement planning and broader financial decisions. A strong portfolio should support your life, not create unnecessary stress or complexity.
At Oak Summit, we believe investment decisions should be made in the context of the full picture. A portfolio does not exist in isolation. It needs to fit with your retirement timeline, tax planning opportunities, spending needs, estate goals, and tolerance for risk.
We design portfolios based on the mix of stocks, bonds, cash, and other holdings that best fits your goals, time horizon, and risk tolerance.
We help reduce unnecessary concentration risk by spreading investments across asset classes, sectors, and holdings rather than relying too heavily on any one position or theme.
We monitor portfolios and rebalance when appropriate to keep your allocation aligned with your long-term plan rather than letting market movement dictate your risk level.
We coordinate asset location, tax-loss harvesting, capital gains, charitable giving, and portfolio rebalancing with your broader tax strategy to help reduce unnecessary tax drag over time.
For retirees and near-retirees, we coordinate portfolio management with spending needs, required minimum distributions, and withdrawals across taxable, tax-deferred, and Roth accounts so the investment strategy supports both income and long-term tax planning.
We help determine how much to hold in cash and fixed income and structure those assets around spending needs, liquidity, taxes, interest-rate risk, and the role they need to play within the broader portfolio.
We help clients manage large individual stock positions by balancing diversification, taxes, timing, and risk rather than treating concentration as an investment decision in isolation.
Our investment management work is designed for people who want more than a generic portfolio. Many of our clients are approaching retirement, already retired, managing significant assets, receiving an inheritance, dealing with concentrated stock positions, or looking for a more thoughtful and tax-aware way to manage wealth over time.
A client nearing retirement may need a portfolio that can support withdrawals in the next few years while still growing enough to support a retirement that could last decades. That requires more than simply choosing conservative or aggressive investments. It requires balancing growth, stability, liquidity, and tax efficiency so the portfolio fits both near-term and long-term needs.
Many investment managers focus mostly on performance reporting or market commentary. At Oak Summit, the focus is on building a portfolio that fits the real purpose of the money and integrating that portfolio into the broader financial plan.
As a fee-only fiduciary firm, we do not sell products or earn commissions. Our advice is designed to be objective, disciplined, 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 investment selection. It is in having a portfolio strategy that is coordinated with retirement decisions, tax planning, cash flow needs, and long-term wealth goals.
Many investment managers focus on performance in isolation. We focus on how your portfolio fits into your overall 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 managing significant assets, investment decisions often intersect with California taxes, concentrated stock, real estate, retirement income, charitable giving, and other parts of the financial plan. Our investment approach considers those factors when determining how a portfolio should be structured and managed over time.
Many clients work with us virtually, but our investment management process remains personal, detailed, and coordinated with their tax strategy, retirement plan, and broader financial goals.
If you're evaluating your portfolio, managing significant assets, or looking for investment management that works together with your tax and financial plan, schedule a complimentary consultation to see whether Oak Summit is the right fit.
Schedule a Free ConsultationLast updated: September 2026
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