Firm Description Oak Family Advisors, LLC (Oak Family Advisors, OFA, Firm, our and/or we) provides personalized confidential investment management and financial planning to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include:
• determination of financial objectives,
• identification of financial problems,
• cash flow management,
• tax planning,
• insurance review,
• investment management,
• education funding,
• retirement planning, and
• estate planning. We are an investment management firm. Our Investment Management Services are tailored to a client’s specific needs and goals as established through a dialogue concerning their assets, liabilities, income, expenses, goals, and objectives. A long- term investment plan is established, then reconfirmed or adjusted at least annually. Clients may impose restrictions on investing in certain securities or types of securities. Oak Family Advisors renders discretionary investment management services by investing in securities that the Firm believes are suitable for each client based on their investment objectives, risk tolerance and other individual client needs and circumstances. See Item 10 - Other Financial Industry Activities and Affiliations for information about Oak Street Management Co., LLC. An evaluation of each client's initial situation is generally provided to the client. Periodic reviews, not less than annually, are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g. lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis, and we can work closely with them at your request to help shape your plan. Conflicts of interest will be disclosed to the client in the event they should occur. The initial meeting, which may be arranged by telephone at (312) 373-7221, and is free of charge, is to be considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. We do not participate in the management of wrap

account programs. As of December 31, 2023, we managed total assets of approximately $495,800,000 (approximately $419,200,000 in assets on a discretionary basis and approximately $76,600,000 on a non-discretionary basis). Principal Owners Oak Family Holdings, LLC (OFH) is the manager of Oak Family Advisors. OFH is owned and controlled by John H. Fitzpatrick, Non-Executive Chairman of Oak Family Advisors, LLC. The Firm has been in business since 2006. Types of Advisory Services The Firm provides traditional asset management services as well as consulting services. We match our advisory services to the individual needs of clients. On occasion, clients may impose restrictions on investing in certain securities or types of securities. We view our clients’ individual situations holistically. This means that in addition to the traditional asset management services we provide, we also endeavor to assist clients as they navigate taxation and estate issues, trust services, gifting strategies, as well as other matters, as the client desires. Client Relationships A client’s specific needs and goals are established through a dialogue about their assets, liabilities, income, expenses, goals, and objectives. The goals and objectives for each client are documented in our client relationship management system. Agreements may not be assigned without the client’s consent. Types of Agreements The following agreements define the typical client relationships. Advisory Service Agreement Clients can choose to have the Firm manage their assets to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their children. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. Asset Management Portfolio assets generally include stocks, mutual funds, and exchange-traded funds, where appropriate. They may also include:
• equities (stocks),
• warrants, corporate debt securities,
• commercial paper,
• certificates of deposit,
• municipal securities,
• mutual funds
• U.S. government securities,
• options contracts,
• futures contracts, and
• interests in partnerships.