ONE OAK

One Oak Holdings d.b.a OneWell CRD: 334282 Form ADV Part 2A: Firm Brochure April 1, 2026 12358 Parklawn Drive, Suite 307 North Bethesda, Maryland 20852 (302) 754-1625 Website: https://www.investonewell.com/ Item 1: Cover Page This brochure provides information about the qualifications and business practices of One Oak Holdings LLC. If you have any questions about the contents of this brochure, please contact us at khalid@investonewell.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (SEC) or by any state securities authority. Registration with the SEC or any state securities authority does not imply a certain skill or training. Additional information about One Oak Holdings is available on the SEC's website at www.adviserinfo.sec.gov. One Oak Holdings ADV Part 2A Page 1  Item 2: Material Changes This section will summarize any material changes made to this brochure since the last update. Since the Firm’s previous filing on March 20, 2026, we have the following material changes to report: • Item 1: We have updated our main address. One Oak Holdings ADV Part 2A Page 2  Item 3: Table of Contents Item 1: Cover Page 1 Item 2: Material Changes 2 Item 3: Table of Contents 3 Item 4: Advisory Business 4 Item 5: Fees and Compensation 6 Item 6: Performance-Based Fees and Side-By-Side Management 7 Item 7: Types of Clients 7 Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss 8 Item 9: Disciplinary Information 10 Item 10: Other Financial Industry Activities and Affiliations 10 Item 11: Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading 11 Item 12: Brokerage Practices 12 Item 13: Review of Accounts 14 Item 14: Client Referrals and Other Compensation 15 Item 15: Custody 15 Item 16: Investment Discretion 15 Item 17: Voting Client Securities 15 Item 18: Financial Information 15 One Oak Holdings ADV Part 2A Page 3  Item 4: Advisory Business A. Description of the Advisory Firm One Oak Holdings LLC ("One Oak") d.b.a OneWell, is an independent financial advisory firm established to provide customized investment solutions, aligning experience and expertise with each client’s financial and mission objectives. We specialize in comprehensive Outsourced Chief Investment Officer (OCIO) for endowments, foundations, family offices, and other institutional organizations. An Outsourced Chief Investment Officer (OCIO) is a third-party service provider that manages an organization's investment strategy and portfolio, offering expertise and oversight that a full-time, in-house Chief Investment Officer (CIO) would typically provide. The OCIO model is particularly useful for institutions such as endowments, foundations, and high-net-worth individuals who may not have the resources, expertise, or desire to manage their investments internally. The OCIO provides comprehensive investment management services, including: • Investment Strategy Development: Tailoring an investment plan that aligns with the organization’s goals, risk tolerance, and time horizon. • Asset Allocation: Deciding how to distribute investments across various asset classes (e.g., stocks, bonds, real estate, etc.) to optimize returns while managing risk. • Manager Selection: Identifying and selecting investment managers or funds that align with the strategy and objectives. • Due Diligence and Monitoring: Continuously reviewing and assessing the performance of investments and managers, ensuring compliance with established policies. • Governance and Compliance: Ensuring that investments comply with legal, regulatory, and internal guidelines, and advising on best governance practices. • Reporting: Providing regular updates on investment performance, strategies, and any adjustments to stakeholders. In essence, the OCIO takes over the investment decision-making and implementation process, allowing the client organization to focus on its core mission while benefiting from professional, strategic investment management. One Oak’s OCIO provides integrated investment solutions by designing and refining strategic investment policies and asset allocations, selecting and monitoring managers, proactively managing and mitigating risk, implementing and rebalancing portfolios, delivering transparent performance reporting, and ensuring strict governance, compliance, and fiduciary oversight. One Oak was registered as an investment adviser in February 2025. The principal owner is Amir Memon. Our approach emphasizes independent and unbiased advice, with no affiliations to any specific financial products or companies. We maintain a low client-to-advisor ratio to ensure personalized One Oak Holdings ADV Part 2A Page 4  and attentive service. Types of Advisory Services B. Types of Services Offered: -Portfolio Management and Financial Planning -Selection of other advisers -Risk Management -Financial Consulting -Alternative Investments -Educational Seminars As part of our investment process, we conduct a thorough evaluation of each client's financial situation, goals, and risk tolerance. This includes a risk tolerance questionnaire, which helps us understand the client's comfort with different levels of investment risk. We also work with clients to clearly define their financial goals and objectives, ensuring that the investment strategy is aligned with these parameters. Through our investment process, we offer education on risk management, as well as access to Alternative Investments. From time to time, One Oak may provide Educational Seminars to its current clients. One Oak provides these services on both a discretionary and non-discretionary basis, depending on the client’s needs. One Oak may engage third-party sub-advisory platforms (“Sub-Advisers”) to provide specialized investment management and related strategies, including tax-oriented investment strategies. One Oak will remain the primary Advisor and oversee the Client’s investment allocation and overall investment performance. The Sub-Advisor will assume day-to-day investment management of the assets, while One Oak will be responsible establishing the Client’s investment objectives and recommending a Sub-Advisor’s investment strategy to meet those objectives. One Oak conducts due diligence on Sub-Advisers prior to engagement and monitors their services on an ongoing basis. C. Client Tailored Services One Oak Holdings’s advisory services are always provided based on your institution's needs. This means, for example, that when we provide OCIO services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. We will not enter into an investment adviser relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. D. Wrap Fee Program One Oak does not participate in a Wrap Fee Program. One Oak Holdings ADV Part 2A Page 5  Assets Under Management E. As of December 31, 2025, One Oak manages approximately $110,379,326 in client assets on a discretionary basis. Item 5: Fees and Compensation A. Fee Schedule Portfolio Management: One Oak Holdings charges clients asset-based fees at a rate of 1.5% for its OCIO services. These fees are generally negotiable, at the firm’s discretion, and the final fee schedule will be memorialized in the client’s advisory agreement. Lower fees for comparable services may be available from other sources. Portfolio management fees are withdrawn directly from the client’s accounts with client’s written authorization on a quarterly basis. See Item 15 for further information. Clients will also receive statements from One Oak and are urged to compare the account statements they received from custodian with those they received from One Oak. Portfolio management fees include Risk Management and the use of Alternative Investments. Financial Consulting: For the purposes of Financial Consulting, One Oak charges a fee of $250 per hour. This fee is negotiable at the firm’s discretion. Fees for financial consulting will be billed by One Oak based on the scope of work, after the work has been completed. Subadvisor fees Clients who participate in a Sub-Adviser program will pay fees associated with that program in addition to One Oak’s advisory fee. Fees vary depending on the specific program selected and will be fully disclosed in the client’s advisory agreement. The Client’s fee will be deducted from the Client’s account by the Sub-Advisor. Educational Seminars: From time to time, One Oak may host educational seminars for its clients, covering various topics such as investment strategies, market conditions, etc. These seminars will be free of charge for any current client. B. Payment of Fees Payment of Portfolio Management Fees Portfolio Management fees are withdrawn directly from the client’s accounts with client’s written authorization on a quarterly basis. One Oak Holdings ADV Part 2A Page 6  Payment of Financial Consulting Fees Financial Consulting fees will be withdrawn from the client’s accounts with client’s written authorization upon completion of the plan. C. Prepayment of Fees One Oak collects its fees quarterly in arrears. It does not collect fees in advance. Billing Method: Clients are billed quarterly in arrears, with the option to have fees deducted directly from their accounts or billed separately. One Oak will use third party software that the clients agree to utilize in order to perform bill pay services. One Oak is deemed to have custody due to directly deducting fees from client accounts . One Oak will NOT have access to checks or online bank accounts. One Oak confirms outstanding invoices and upcoming bills with the client. Clients do NOT share third party account access credentials with One Oak. One Oak does NOT have access to client's third party accounts. Clients are responsible for the payment of all third-party fees (i.e. custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by One Oak. Please see Item 12 of this brochure regarding broker- dealer/custodian. Termination Fees: Clients may terminate their advisory agreements with One Oak by providing the firm with written notice 30 days prior to termination. D. Refunds of Fees One Oak does not collect fees in advance, however, for fees such as the initiation fee or any hourly fees, clients of One Oak may request a refund. As stated above, clients must provide One Oak with written notice 30 days in advance of the termination. Clients who have paid an initiation or hourly fees may seek a partial refund, depending on the amount of time that has been allocated to the corresponding work. E. Other Compensation Some representatives of One Oak are licensed as Insurance Agents. As such, these Agents have an incentive to recommend insurance products to clients, which provides additional compensation. Clients are under no obligation to purchase insurance products from these representatives and may purchase products through other agents who are not affiliated with One Oak. Item 6: Performance-Based Fees and Side-By-Side Management One Oak Holdings does not charge performance-based fees. All clients are charged based on the fee schedule outlined in Item 5, ensuring that our interests are aligned with those of our clients. Item 7: Types of Clients One Oak Holdings provides advisory services to a wide range of clients, including individuals, family offices, trusts, endowments, foundations, and other institutional entities. One Oak requires a One Oak Holdings ADV Part 2A Page 7  minimum opening account balance of $10,000,000, which may be waived at firm’s discretion, for our services, though certain services may be better suited to clients with specific financial circumstances. Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss A. Methods of Analysis and Investment Strategies One Oak’s methods of analysis include Charting analysis, Cyclical analysis, Fundamental analysis, Modern portfolio theory, Quantitative analysis and Technical analysis. Charting analysis involves the use of patterns in performance charts. One Oak uses this technique to search for patterns used to help predict favorable conditions for buying and/or selling a security. Cyclical analysis involves the analysis of business cycles to find favorable conditions for buying and/or selling a security. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. Modern portfolio theory is a theory of investment that attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various assets. Quantitative analysis deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on. Technical analysis involves the analysis of past market data; primarily price and volume. Investment Strategies: • Long-Term Purchases: Buying and holding securities with the expectation of capital appreciation over time. • Short-Term Purchases: Buying securities with the intent to sell within a relatively short period to capitalize on market movements. • Alternative Investments: Investing in non-traditional assets such as private equity, real assets, and liquid alternatives. As part of our investment process, we work closely with clients to develop an investment plan that aligns with their goals, objectives, and risk tolerance. This process includes completing a risk tolerance questionnaire, setting clear financial goals, and defining the client’s objectives. Based on this information, we create a customized investment strategy that is regularly reviewed and adjusted as needed. B. Material Risks Involved One Oak Holdings ADV Part 2A Page 8  Risk of Loss: Investing in securities involves risk, including the potential loss of principal. Clients should be aware that all investments carry risk, and there is no guarantee that any investment strategy will meet its objectives. Past performance is not indicative of future results. Therefore, you should never assume that future performance of any specific investment or investment strategy will be profitable. Investing in securities (including stocks, mutual funds, and bonds, etc.) involves risk of loss. Further, depending on the different types of investments there may be varying degrees of risk. You should be prepared to bear investment loss including loss of original principal. Because of the inherent risk of loss associated with investing, our firm is unable to represent, guarantee, or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to market corrections or declines. There are certain additional risks associated with investing in securities through our investment management program, as described below: Market Risk – Either the stock market as a whole, or the value of an individual company, • goes down resulting in a decrease in the value of client investments. This is also referred to as systemic risk. Even a long-term investment approach cannot guarantee a profit. Economic, political, and issuer-specific events will cause the value of securities to rise or fall. Because the value of investment portfolios will fluctuate, there is the risk that you will lose money and your investment may be worth more or less upon liquidation. Equity (stock) market risk – Common stocks are susceptible to general stock market • fluctuations and to volatile increases and decreases in value as market confidence in and perceptions of their issuers change. If you held common stock, or common stock equivalents, of any given issuer, you would generally be exposed to greater risk than if you held preferred stocks and debt obligations of the issuer. Company Risk. When investing in stock positions, there is always a certain level of company • or industry specific risk that is inherent in each investment. This is also referred to as unsystematic risk and can be reduced through appropriate diversification. There is the risk that the company will perform poorly or have its value reduced based on factors specific to the company or its industry. For example, if a company’s employees go on strike or the company receives unfavorable media attention for its actions, the value of the company may be reduced. Fixed Income Risk. When investing in bonds, there is the risk that the issuer will default on • the bond and be unable to make payments. Further, individuals who depend on set amounts of periodically paid income face the risk that inflation will erode their spending power. Fixed-income investors receive set, regular payments that face the same inflation risk. Options Risk. Options on securities may be subject to greater fluctuations in value than an • investment in the underlying securities. Purchasing and writing put and call options are highly specialized activities and entail greater than ordinary investment risks. One Oak Holdings ADV Part 2A Page 9  ETF and Mutual Fund Risk. When investing in an ETF or mutual fund, you will bear • additional expenses based on your pro rata share of the ETF’s or mutual fund’s operating expenses, including the potential duplication of management fees. The risk of owning an ETF or mutual fund generally reflects the risks of owning the underlying securities the ETF or mutual fund holds. You will also incur brokerage costs when purchasing ETFs. Alternative Investment Risk: Alternative investments include investment into partnerships, • alternative mutual funds, nontraditional ETFs, managed futures, and/or real estate investments, as well as utilizing derivative instruments, such as options, futures, or index-based instruments, and/or leverage strategies. Alternative investments are speculative, not suitable for all clients and intended for only experienced and sophisticated investors who are willing to bear the high risk of the investment. It is possible to experience total loss or a substantial loss of principal investment. In the absence of a public market for these securities, there is lack of liquidity and an expected investment time horizon usually in excess of five years. There are no guarantees that distributions and/or payments of distributions will be received and can decrease or diminish overtime. Management Risk – Your investment with our firm varies with the success and failure of our • investment strategies, research, analysis and determination of portfolio securities. If our investment strategies do not produce the expected returns, the value of the investment will decrease. Item 9: Disciplinary Information A. Criminal or Civil Actions There are no criminal or civil actions to report. B. Administrative Proceedings There are no administrative proceedings to report. C. Self-regulatory Organization (SRO) Proceedings There are no self-regulatory organization proceeding to report. Item 10: Other Financial Industry Activities and Affiliations A. Registration as a Broker/Dealer or Broker/Dealer Representative One Oak is not a broker-dealer, but one of our Investment Advisor Representatives is a registered representatives of Omnicap LLC. While One Oak does not use Omnicap LLC as it’s broker-dealer, this representative receives additional compensation from their activities through Omnicap. Clients of One Oak will, at no time, be recommended to make any investment decisions through Omnicap. B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor One Oak Holdings ADV Part 2A Page 10  Neither One Oak nor its representatives are registered as or have pending applications to become either a Futures Commission Merchant, Commodity Pool Operator, or Commodity Trading Advisor or an associated person of the foregoing entities. C. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interest Saqib Rashid is a Registered Representative of Omnicap LLC and is the owner of Inverness Capital Advisors. While Mr. Rashid retains these positions along with his role with OneOak, at no time will Mr. Rashid make any recommendations to OneOak clients to make any investment with the above businesses. This is made in effort to avoid any possible conflicts of interests. D. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections One Oak does not receive, directly or indirectly, compensation from investment advisors that it recommends or selects for its clients. Item 11: Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading A. Code of Ethics One Oak has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. One Oak's Code of Ethics is available free upon request to any client or prospective client. B. Recommendations Involving Material Financial Interest One Oak does not recommend that clients buy or sell any security in which a related person to One Oak or One Oak has a material financial interest. C. Investing Personal Money in the Same Securities as Clients From time to time, representatives of One Oak may buy or sell securities for themselves that they also recommend to clients. This may provide an opportunity for representatives of One Oak to buy or sell the same securities before or after recommending the same securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. One Oak will always document any transactions that could be construed as conflicts of interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold. D. Trading Securities At/Around the Same Time as Client’s Securities One Oak Holdings ADV Part 2A Page 11  From time to time, representatives of One Oak may buy or sell securities for themselves at or around the same time as clients. This may provide an opportunity for representatives of One Oak to buy or sell securities before or after recommending securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest; however, One Oak will never engage in trading that operates to the client’s disadvantage if representatives of One Oak buy or sell securities at or around the same time as clients. Item 12: Brokerage Practices A. Factors Used to Select Custodians and/or Broker Dealers Custodians/broker-dealers will be recommended based on One Oak’s duty to seek “best execution,” which is the obligation to seek execution of securities transactions for a client on the most favorable terms for the client under the circumstances. Clients will not necessarily pay the lowest commission or commission equivalent, and One Oak may also consider the market expertise and research access provided by the broker dealer/custodian, including but not limited to access to written research, oral communication with analysts, admittance to research conferences and other resources provided by the brokers that may aid in One Oak's research efforts. One Oak will never charge a premium or commission on transactions, beyond the actual cost imposed by the broker dealer/custodian. One Oak will have an incentive to recommend a broker-dealer based on its interest in receiving the research or other products or services rather than on clients’ interest in receiving most favorable execution. One Oak recommends Schwab Institutional, a division of Charles Schwab & Co., Inc. 1. Research and Other Soft-Dollar Benefits While One Oak has no formal soft dollars program in which soft dollars are used to pay for third party services, One Oak may receive research, products, or other services from custodians and broker-dealers in connection with client securities transactions (“soft dollar benefits”). One Oak may enter into soft-dollar arrangements consistent with (and not outside of) the safe harbor contained in Section 28(e) of the Securities Exchange Act of 1934, as amended. There can be no assurance that any particular client will benefit from soft dollar research, whether or not the client’s transactions paid for it, and One Oak does not seek to allocate benefits to client accounts proportional to any soft dollar credits generated by the accounts. One Oak benefits by not having to produce or pay for the research, products or services, and One Oak will have an incentive to recommend a broker-dealer based on receiving research or services. Clients should be aware that One Oak’s acceptance of soft dollar benefits may result in higher commissions charged to the client. With respect to Schwab, One Oak receives access to Schwab’s institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisers on an unsolicited basis at no charge to them. Schwab’s services include brokerage services that are related to the execution of securities transactions, custody, research, including that in the form of advice, analyses and reports, and One Oak Holdings ADV Part 2A Page 12  access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. For One Oak client accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction- related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab also makes available to One Oak other products and services that benefit One Oak but may not benefit its clients’ accounts. These benefits may include national, regional or One Oak specific educational events organized and/or sponsored by Schwab Advisor Services. Other potential benefits may include occasional business entertainment of personnel of One Oak by Schwab Advisor Services personnel, including meals, invitations to sporting events, including golf tournaments, and other forms of entertainment, some of which may accompany educational opportunities. Other of these products and services assist One Oak in managing and administering clients’ accounts. These include software and other technology (and related technological training) that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts, if applicable), provide research, pricing information and other market data, facilitate payment of One Oak’s fees from its clients’ accounts (if applicable), and assist with back-office training and support functions, recordkeeping and client reporting. Many of these services generally may be used to service all or some substantial number of One Oak’s accounts. Schwab Advisor Services also makes available to One Oak other services intended to help One Oak manage and further develop its business enterprise. These services may include professional compliance, legal and business consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, employee benefits providers, human capital consultants, insurance and marketing. In addition, Schwab may make available, arrange and/or pay vendors for these types of services rendered to One Oak by independent third parties. Schwab Advisor Services may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third-party providing these services to One Oak. One Oak is independently owned and operated and not affiliated with Schwab. 2. Brokerage for Client Referrals One Oak receives no referrals from a broker-dealer or third party in exchange for using that broker- dealer or third party. 3. Clients Directing Which Broker/Dealer/Custodian to Use One Oak may permit clients to direct it to execute transactions through a specified broker-dealer. If a client directs brokerage, then the client will be required to acknowledge in writing that the client’s direction with respect to the use of brokers supersedes any authority granted to One Oak to select brokers; this direction may result in higher commissions, which may result in a disparity between free and directed accounts; the client may be unable to participate in block trades (unless One Oak is able to engage in “step outs”); and trades for the client and other directed accounts may be executed after trades for free accounts, which may result in less favorable prices, particularly for One Oak Holdings ADV Part 2A Page 13  illiquid securities or during volatile market conditions. Not all investment advisers allow their clients to direct brokerage. 4. Aggregating (Block) Trading for Multiple Client Accounts If One Oak buys or sells the same securities on behalf of more than one client, then it may (but would be under no obligation to) aggregate or bunch such securities in a single transaction for multiple clients in order to seek more favorable prices, lower brokerage commissions, or more efficient execution. In such case, One Oak would place an aggregate order with the broker on behalf of all such clients in order to ensure fairness for all clients; provided, however, that trades would be reviewed periodically to ensure that accounts are not systematically disadvantaged by this policy. One Oak would determine the appropriate number of shares and select the appropriate brokers consistent with its duty to seek best execution, except for those accounts with specific brokerage direction (if any). Handling Trade Errors One Oak Holdings has implemented procedures designed to prevent trade errors; however, trade errors in client accounts cannot always be avoided. Consistent with its fiduciary duty, it is the policy of One Oak Holdings to correct trade errors in a manner that is in the best interest of the client. In cases where the client causes the trade error, the client is responsible for any loss resulting from the correction. Depending on the specific circumstances of the trade error, the client may not be able to receive any gains generated as a result of the error correction. In all situations where the client does not cause the trade error, the client is made whole and any loss resulting from the trade error is absorbed by One Oak Holdings if the error is caused by One Oak Holdings. If the error is caused by the broker-dealer, the broker-dealer is responsible for handling the trade error. If an investment gain results from the correcting trade, the gain remains in the client’s account unless the same error involves other client account(s) that should also receive the gains. It is not permissible for all clients to retain the gain. One Oak Holdings may also confer with a client to determine if the client should forego the gain (e.g., due to tax reasons). One Oak Holdings will never benefit or profit from trade errors. Item 13: Review of Accounts A. Frequency and Nature of Periodic Reviews Managed accounts are reviewed at least quarterly. While the calendar is the main triggering factor, reviews can also be conducted at your request and/or One Oak Holding’s recommendation. Account reviews will include investment strategy and objectives review and making a change if strategy and objectives have changed. Reviews are conducted by Khalid Usmani , Chief Compliance Officer, with reviews performed in accordance with your investment goals and objectives. B. Factors that Trigger a Non-Periodic Review of Client Accounts Reviews may be triggered by material market, economic or political events, or by changes in client's financial situations (such as retirement, termination of employment, physical move, or inheritance). One Oak Holdings ADV Part 2A Page 14  C. Content and Frequency of Regular Reports Provided to Clients For our asset management services, you are provided with transaction confirmation notices and regular quarterly account statements directly from the qualified custodian. These reports include comparisons to pre-determined benchmarks across asset classes. Additionally, One Oak will provide an annual portfolio update and summary to the Client’s board or representatives. Item 14: Client Referrals and Other Compensation A. Economic Benefits Provided By Third Parties Other than soft dollar benefits as described in Item 12 above, One Oak does not receive any economic benefit, directly or indirectly from any third party for advice rendered to One Oak's clients. B. Compensation to Non-Advisory Personnel for Client Referrals One Oak does not directly or indirectly compensate any person who is not advisory personnel for client referrals. Item 15: Custody When advisory fees are deducted directly from client accounts at client's custodian, One Oak will be deemed to have limited custody of client's assets and must have written authorization from the client to do so. One Oak will send the qualified custodian written notice of the amount of the fee to be deducted from the client’s account and Clients will receive account statements from the custodian. Clients should carefully review those statements for accuracy. Item 16: Investment Discretion One Oak provides discretionary and non-discretionary investment advisory services to clients. The advisory contract established with each client sets forth the discretionary authority for trading. Where investment discretion has been granted, One Oak generally manages the client’s account and makes investment decisions without consultation with the client as to when the securities are to be bought or sold for the account, the total amount of the securities to be bought/sold, what securities to buy or sell, or the price per share. Clients may, but typically do not, impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs Item 17: Voting Client Securities A. Proxy Voting One Oak will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. B. Client Questions Clients should direct all proxy questions to the issuer of the security. Item 18: Financial Information A. Balance Sheet One Oak Holdings ADV Part 2A Page 15  One Oak neither requires nor solicits prepayment of more than $1200 in fees per client, six months or more in advance, and therefore is not required to include a balance sheet with this brochure. B. Financial Conditions Reasonability Likely to Impair Ability to Meet Contractual Commitments to Clients Neither One Oak nor its management has any financial condition that is likely to reasonably impair One Oak’s ability to meet contractual commitments to clients. C. Bankruptcy Petitions One Oak has not been the subject of a bankruptcy petition in the last ten years. One Oak Holdings ADV Part 2A Page 16