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One Oak is a investment adviser based in North Bethesda, MD, that holds a 87.3/100 Fidelon TransparencyScore (th percentile), with 3 registered advisors. Score based on public SEC and FINRA filings.

87.3Transparency Score
Top24%

One Oak

A fee-only investment adviser with a clean regulatory record and fiduciary commitment.

North Bethesda, MD
(302) 754-1625Website
Investment AdviserFiduciary
Prep Kit

Fidelon Fact Sheet

ONE OAK is an investment adviser in North Bethesda, Maryland that reports a clean regulatory record. It manages investment portfolios, helps with financial planning, and offers insurance planning. The firm charges asset-based fees and reports no commission income. It also reports custody of client assets, which means it or a related party can hold or access client funds. Its clients are mainly institutions.

87.3StrongTop 24% of scored firms
How they're paidNo advisory commissions. Other business lines not on file.
Asset-based · hourly fees
Duty to youLegally required to put your interests first.
Registered adviser · fiduciary
Assets under managementAcross 18 client accounts.
$110.4M
Firm size
3 advisors
Who holds your moneyThe firm or a related party can hold or access client funds.
Custody disclosed
Regulatory recordNo customer complaints, regulatory actions, or fines on file.
Clean — 0 disclosures
Based on live filings from SEC Form ADV and FINRA BrokerCheck. Scored using Fidelon's published methodology. Data as of Jul 2026

Peer Context

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Key Findings

Strengths

  • Fee-only compensation — no commission income reported
  • Registered as investment adviser with fiduciary obligation
  • No broker-dealer registration — advisory services only
  • Clean regulatory record — no disclosures, arbitrations, or fines
  • Transparent fee structure — charges advisory fees, no commissions

Things You Should Know

  • Fee disclosure could be more detailed — while this firm charges fee-only (no commissions), its regulatory filings describe fee schedules and service terms less clearly than top-scoring peers

Conflict Audit

Conflict AuditClear

Zero material conflicts identified in regulatory filings.

✓
Not registered as broker-dealer
✓
No commission-based compensation
✓
No outside compensation sources
✓
No related-party custodian
✓
No performance-based fees
✓
No other business lines disclosed

Source: Form ADV Part 1, Items 6-8; Part 2A, Items 10-14

What this firm says about how it gets paid

“One Oak and its investment adviser representatives receive compensation based on a percentage of your assets under management. As the value of your assets under management increase, total compensation you pay to One Oak and its representatives also increases. However, if your account value decreases, you will still pay a fee to One Oak and its representatives.”
“One Oak owns and controls OneWell LMM PE Fund I GP, LLC, which serves as the general partner of OneWell LMM PE Fund I, LP, an affiliated private investment fund advised by One Oak.”

Source: the firm’s own Form CRS, filed 2026-07-15 — quoted directly

Regulatory Events

Next Steps

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Advisor Roster

3 advisors

AdvisorScoreGrade
Efrata Dawit Kirose——
Kartik Ashok Pawar——
Khalid Hasan Usmani——

Meeting Prep Kit for One Oak

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✓Fee structure breakdown
✓Conflict of interest analysis
✓Regulatory track record
✓Fiduciary status check
✓Personalized questions to ask
✓How they compare locally

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Frequently Asked Questions

What does the TransparencyScore measure?

The TransparencyScore measures how clearly and completely an advisor or firm discloses important information in their regulatory filings — things like fees, conflicts of interest, disciplinary history, and business practices. A higher score means better disclosure quality, not better investment performance.

Where does this data come from?

All data comes from public regulatory filings: SEC Form ADV (Parts 1, 2, and 3), FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure (IAPD) database. These are official filings that firms and advisors are legally required to submit.

Does a low score mean they're a bad advisor?

Not necessarily. A low score means the firm's public filings are less transparent — they may use vague language about fees, skip details about conflicts, or have a more complex regulatory history. Some excellent advisors work at firms with poor disclosure practices. The score measures the filing, not the person.

How often is this data updated?

Fidelon refreshes data from SEC and FINRA sources on a regular schedule. Form ADV filings are updated annually by firms (with amendments throughout the year), and BrokerCheck data is updated as events are reported. Scores are recalculated after each data refresh.

Can an advisor or firm improve their score?

Yes. Scores are based on what's in public filings. A firm that rewrites its ADV brochure in clearer language, discloses conflicts more specifically, or resolves outstanding regulatory issues will see its score improve at the next refresh. The incentive structure is intentional.

Data Sources

SEC Form ADV Part 1 — Filed Jul 2026SEC Form ADV Part 2ASEC IAPDFINRA BrokerCheck

Scores are generated using Fidelon's published scoring methodology and reflect the quality of public disclosures, not the quality of investment advice. A firm that improves its disclosures will see its score improve. Fidelon does not provide investment advice.

Verify on SEC IAPD

Last scored: · Score version: 3.8 · CRD #334282