Exactly how we're paid.

Who you're hiring

Standing Oak Advisors is an independent marketing brand name used by Scott Eichler, an investment adviser representative of Savvy Advisors, Inc. (an SEC-registered investment adviser), for advertising and marketing only. All investment advisory services are provided through Savvy, and your advisory relationship and your fee are with Savvy. Standing Oak Advisors and Savvy are not affiliated.

How we're paid

We're fee-based, not commission-based, as your adviser.

• Asset-based advisory fee: a percentage of the assets we manage for you, negotiable based on the size and complexity of your account. Savvy's filed range is 0.30%-1.9% per year.
• Standing Oak's actual maximums (disclosed to you at onboarding, inside Savvy's filed range): up to 0.60%/yr (60 bps) on QOZ and DST placements, and up to 1.20%/yr (120 bps) on trusts, brokerage, and other managed accounts. The lower cap on QOZ/DST reflects their lighter ongoing management.
• No performance-based fees. We do not take a share of your capital gain or appreciation.
• Account minimum: generally $500,000, negotiable at the adviser's discretion.

Private investments (DSTs, Opportunity Zone funds, and similar). When you hold a private investment, the fee arrangement is one of three, as agreed in your IMA: an asset-based (AUM) fee on the investment's value; a flat household fee; or reporting-only - no advisory fee. Private funds also charge their own management fees and expenses, separate from and in addition to our advisory fee.

A property you buy and manage yourself. A plain 1031 into a replacement building you select and run (typically with your realtor) is not an asset we manage - so it carries no Standing Oak / Savvy advisory fee.

The conflicts of interest - named, not buried

A fiduciary discloses how its pay can pull against your interest. Ours:

• We're paid on assets we manage. That gives us a reason to favor a solution we'd manage (a DST, a QOZ fund, a trust) over one you'd run yourself (a building you buy directly).
• Strategy incentive. Savvy pays the adviser additional compensation - a portion (10%) of the advisory fee - for using certain of the firm's strategies, which is an incentive to recommend those strategies over others.
• Referral commissions, separate from advisory fees. Scott holds two disclosed referral arrangements: a commission from Sage Settlement Consulting when a client engages Sage for structured settlements, and a commission from Transcendent Planning on fixed insurance products a client buys on his referral. (Scott holds a Series 65 only; he is not a securities broker.)

How we manage them: we act as a fiduciary, lay out every option (including the ones we earn nothing on), tell you plainly when the simplest path - or just paying the tax - is the right move, and put the full schedule here. You're never obligated to use any product we mention.

Standing Oak Advisors is an independent marketing brand name of Scott Eichler, an investment adviser representative of Savvy Advisors, Inc., and is not affiliated with Savvy. Investing involves risk, including possible loss of principal. DSTs, QOZ funds, and trusts are illiquid and not suitable for all investors. Fees are negotiable and set in your IMA. This page summarizes Savvy's Form ADV; the filed ADV governs and is available at adviserinfo.sec.gov. Nothing here is tax, legal, or investment advice. Pre-launch preview - content pending compliance review.