Bull Oak Capital, LLC

RIA/Wealth

Bull Oak Capital, LLC is a RIA/Wealth based in Rancho Santa Fe, CA led by Ryan Anthony Hughes, managing $235.4M across 32 long positions as of Q3 2025 with 96% ETF concentration, 86% concentrated in top 10 holdings, and 31% allocation to IVV.

CEORyan Anthony Hughes

Portfolio Value: $235.4M
Positions: 32
Top Holding: IVV at 30.72%
Last Reported: Q3 2025

Address16236 San Dieguito Rd., Ste 4-22, Rancho Santa Fe, CA, 92067-5752, United States

Top Holdings

Largest long holdings in Bull Oak Capital, LLC's portfolio (86.1% of total portfolio)

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Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 iShares Core S&P 500 ETF IVV	ETF ETF	$72.3M	30.72%	+$2.3M Bought	— 108.1K shares	Q4 2021 Held for 3y 11m
2 iShares Core MSCI EAFE ETF IEFA	ETF ETF	$31.1M	13.22%	+$211.7K Bought	— 356.5K shares	Q4 2022 Held for 2y 11m
3 iShares Short Treasury Bond SHV	ETF ETF	$23.6M	10.03%	-$266.5K Sold	— 213.7K shares	Q3 2022 Held for 3y 2m
4 Invesco S&P 500 Momentum SPMO	ETF ETF	$17.9M	7.61%	+$4.2M Bought	— 148.1K shares	Q2 2025 Held for 5 months
5 Vanguard Total Stock Market VTI	ETF ETF	$15.1M	6.40%	+$1.6M Bought	— 45.9K shares	Q1 2022 Held for 3y 8m
6 Avantis U.S. Equity AVUS	ETF ETF	$11.3M	4.78%	-$1.1M Sold	— 103.5K shares	Q1 2023 Held for 2y 8m
7 SPDR Portfolio S&P 500 ETF SPLG	ETF ETF	$9.5M	4.04%	-$90.9K Sold	— 121.3K shares	Q4 2021 Held for 3y 11m
8 iShares 0-3 Month Treasury Bond SGOV	ETF ETF	$8.4M	3.56%	-$1.4M Sold	— 83.2K shares	Q2 2025 Held for 5 months
9 IAU iShares Gold Trust IAU	Unknown Unknown	$7.0M	2.96%	-$20.6K Sold	— 95.9K shares	Q2 2025 Held for 5 months
10 Avantis International Small Cap Value AVDV	ETF ETF	$6.6M	2.78%	-$282.3K Sold	— 73.6K shares	Q4 2023 Held for 1y 11m

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Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Bull Oak Capital, LLC's latest filing

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Market Value

$235.4M

Prior: $219.5M

Q/Q Change

+7.27%

+$16.0M

Net Flows % of MV

+1.11%

Turnover Ratio

3.35%

New Purchases

1 stocks

$296.4K

Added To

10 stocks

+$8.8M

Sold Out Of

2 stocks

$408.6K

Reduced Holdings

11 stocks

-$6.1M

Increased Positions

Position	Shares Δ	Change
1 Cintas CTAS	New	0 → 1.4K +$296.4K
2 Invesco S&P 500 Momentum SPMO	+30.4%	113.6K → 148.1K +$4.2M
3 Apple AAPL	+18.71%	1.1K → 1.3K +$50.9K
4 Vanguard Total Stock Market VTI	+12.1%	41.0K → 45.9K +$1.6M
5 Vanguard Short-Term Bond BSV	+3.43%	63.4K → 65.6K +$171.8K

Decreased Positions

Position	Shares Δ	Change
1 Schwab US Dividend Equity SCHD	Sold	7.9K → 0 −$208.4K
2 Schwab U.S. Large-Cap Growth SCHG	Sold	6.9K → 0 −$200.2K
3 Avantis U.S. Small Cap Value AVUV	-33.97%	50.6K → 33.4K −$1.7M
4 Vanguard Mid-Cap Fund VO	-26.07%	14.3K → 10.6K −$1.1M
5 iShares 0-3 Month Treasury Bond SGOV	-14.73%	97.6K → 83.2K −$1.4M