Independent · Fee-only · Fiduciary
Wealth, planned with patience.
We help families, founders and soon-to-be retirees make confident decisions about money — with one advisor who knows your whole picture.
Fiduciary at all times
No commissions, ever
Est. 2006
Why Meridian & Oak
Advice that answers to you alone
We’re paid only by our clients — never by fund companies or insurers — so every recommendation is made in your interest. That’s the legal standard we hold ourselves to, every day.
Our clients typically stay with us for decades, and increasingly, so do their children.
$1.4B
Assets under advisement
97%
Client retention since 2016
Services
Everything your money touches
Planning, investing and the decisions in between — coordinated by one team.
Financial planning
A living plan for cash flow, education, property and the goals that matter to your family.
Investment management
Low-cost, globally diversified portfolios built around your timeline and comfort with risk.
Retirement income
Withdrawal strategies, Social Security timing and pension decisions modeled before you commit.
Tax-aware strategy
Coordinated with your CPA: harvesting, Roth conversions and charitable giving done thoughtfully.
Business owners
Exit planning, executive compensation and retirement plans for owners of growing companies.
Estate & legacy
Working alongside your attorney so assets pass on the way you intend, to the people you choose.
Our approach
A process built on listening
01
Discovery
A relaxed conversation about your goals, worries and what a good life looks like to you.
02
Your plan
A clear, written plan with scenarios — in plain English, with no jargon or product pitch.
03
Implementation
We open accounts, move assets and coordinate with your accountant and attorney.
04
Ongoing stewardship
Quarterly check-ins, annual reviews and a direct line whenever life changes.
18
Years advising families
640+
Households served
12
Credentialed advisors
$0
Commissions accepted
Transparent fees
Clear pricing. No surprises.
One fee, disclosed in writing. No commissions, no product kickbacks, no hidden costs.
Wealth Management
Most popular
0.85%
of assets / year
Planning plus full portfolio management.
For the first time, my wife and I know exactly where we stand — and we sleep better for it.
Marcus & Dana Reid
Clients since 2017 · Owners, Reid Landscape Co.
FAQ
Good questions to ask any advisor
What does fee-only mean?
We’re compensated only by the fees our clients pay us. We don’t sell products or earn commissions, which removes the most common conflicts of interest.
Is there a minimum to work with you?
Our Wealth Management service typically begins at $500,000 in investable assets. Foundations planning has no minimum.
Can you guarantee returns?
No. All investing involves risk, including the possible loss of principal, and past performance does not guarantee future results. We focus on what we can control: costs, diversification, taxes and behavior.
Where is my money held?
Your assets are held in your name at an independent, third-party custodian. We can manage them, but we can never withdraw them to ourselves.
Get started
Let’s start with a conversation
A free, no-pressure 30-minute call to see if we’re the right fit.
Office
41 Elm Court, Charlotte, NC
Call
(704) 555-0163
Hours