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“A tree with strong roots can withstand the most violent storm,
but the tree can’t grow roots just as the storm appears on the horizon.”– Dalai Lama

At Oakton Financial, your financial plan comes first.

Planning is paramount at Oakton Financial. We can’t predict what life has in store for us, but we can prepare for most of it with careful planning. We want to be your trusted advisor for all your financial decisions in life, not just your investment manager.

The Same Fiduciary, Fee-Only Approach 

Different Pricing Structure

Oakton Financial’s roots were formed in the fee-only, fiduciary business model. 

We are committed to putting our clients’ interests above our own. I started Oakton Financial to continue that fiduciary, client-first, service model at a price based on service provided, not based on how much money you have.

Our pricing structure

There are many great financial planners out there. Many of them charge a “percentage fee” based on the assets they are managing on your behalf (i.e. 1% for the first $1M, 0.8% for the second $1M). So, the annual fee you pay for their services will be based on the size of your portfolio. That fee you pay will be different, and maybe very different, than the fee the next client pays for relatively the same service.        

Can you name another service provider you work with that charges you based on how much money you have?

At Oakton Financial, we work with two types of clients:  Accumulators and Pre-Retirees/Retirees.  All Accumulators pay the same price, regardless of portfolio size and all Pre-Retirees/Retirees pay the same price regardless of portfolio size.  It’s a true fee-for-service business model. 

Our Clients

We serve people who want a trusted, fiduciary financial planner on their team.

We want to work with people that want a financial coach for all their financial choices in life. We strive to provide financial services beyond just managing your portfolio.

We typically work best with people that understand their finances, but need a plan. They know their financial life is starting to get a little complicated or stressful, and they want a trusted advisor to help them develop, implement, and monitor their financial independence plan. 

Our Clients


You are looking for a financial partner to build, implement, and then monitor your progress toward your goal of financial independence. You have begun accumulating some of the resources needed to achieve your goals, but are recognizing you don’t have the time or desire to focus on your finances as much as you wish. You want a plan to continue building your financial resources as efficiently and effectively as possible, increasing the likelihood of reaching your goals.




You have been successful in your career and in saving money. You are working hard and have lived below your means; however, you don’t know if it’s enough as you near retirement. You don’t know if your money is working as hard as it possibly can for you. Finally, while you have been successful in accumulating money, you aren’t sure how to use it to pay the bills efficiently and effectively in retirement.



Our Process

Get Acquainted

Typically a one-hour face-to-face meeting to get to know each other better. This is a no-obligation meeting to determine if we have a fit. Typical discussion topics include:

  • Your goals
  • Your current situation
  • Your reasons for wanting a financial planner and your hopes for the relationship
  • Our financial planning services and investment philosophy

Plan Creation

If you decide to become a client after the get acquainted meeting, our next meeting will focus on your financial plan. We’ll build a draft plan based on data we will collect and our earlier conversation.  This meeting is a very collaborative meeting where we work towards finalizing your financial plan together.

Investment Strategy

After your financial plan is finalized, we’ll turn toward implementing that plan. We might have a few action items, ranging from insurance tasks, estate planning, and others. We will also have investment action items and this meeting is to discuss, in detail, how we intend to execute the plan.

Ongoing Relationship

After the financial plan is created and implemented, we need to monitor it, with annual review meetings and as-needed consultations.  

Ready to get started?

Kevin Lozer, CFP® Photo

Kevin Lozer, CFP®

I grew up in a suburb of Harrisburg, PA called Camp Hill.  I can remember liking two subjects as a child: sports and finance. By high school, I knew I wasn’t going to have a career in the former, so I focused on the latter. I took Accounting I and Accounting II as electives in high school, which taught me not only accounting basics, but also personal finance. Back then, universities didn’t have a Financial Planning major like many do today. If they had, I surely would have pursued that major. Instead, I chose an Accounting degree from Penn State University.

In the mid-90s when graduating college, fee-only, fiduciary financial planning was in its infancy. For most new graduates then, if you wanted to start a career in personal finance, you’d likely have to sell insurance, make cold calls, or both. I knew that wasn’t my strong suit. So, I started my career with Marriott International, giving me the opportunity to travel the world and work with some great people. I eventually moved on from there, but spent the first decade of my career in various corporate finance capacities, always questioning whether I should get into financial planning. 

In my early 30s, I decided to make the move. I left the corporate world for financial planning. Being smart with money in my 20s and early 30s allowed me the freedom to leave the corporate world for a new path. One that I knew would pay a lot less initially, but would be far more satisfying to me, otherwise.  

While pursuing my education requirements for the CFP® designation at Georgetown University, I started part-time at ClearLogic Financial, Inc. (at the time it was Ticknor Atherton & Associates). Over a 10-year career there, I worked my way from part-time employee to partner.  

I left ClearLogic Financial in 2018 to open Oakton Financial, LLC. As I hope the rest of this website shows, I believe wholeheartedly in the fee-only, fiduciary business model in which clients’ interests are kept above all others. So, why would I hit the “reset button” yet again (with two young children at home) to start over in the industry? Because after a decade in the industry, I’ve discovered I feel just as passionately about providing that fiduciary, trusted, comprehensive financial planning service, but not charging for that service based on how much money you have accumulated.   

Pursing a Better Investment Experience

Our investment philosophy at Oakton Financial is based on decades of academic research paired with real-world trading execution.

We understand that no two people lead the same lives and each holds different aspirations in life. So while each investment plan is personalized to your unique situation and goals, we ask each of our clients to embrace the below principles in order to have the best chance at success in investing.


Embrace Market Pricing

The market is an effective information-processing machine. Each day, the world equity markets process billions of dollars in trades between buyers and sellers—and the real-time information they bring helps set prices.


Don't Try to Outguess the Market

The market’s pricing power works against mutual fund managers who try to outperform through stock picking or market timing. As evidence, only 14% of US equity mutual funds and 13% of fixed income funds have survived and outperformed their benchmarks over the past 15 years.


Resist Chasing Past Performance

Some investors select mutual funds based on their past returns. Yet, past performance offers little insight into a fund’s future returns. For example, most funds in the top quartile (25%) of previous three-year returns did not maintain a top-quartile ranking in the following three years.


Let Markets Work For You

The financial markets have rewarded long-term investors. People expect a positive return on the capital they supply, and historically, the equity and bond markets have provided growth of wealth that has more than offset inflation.


Consider the Drivers of Returns

Academic research has identified these equity and fixed income dimensions, which point to differences in expected returns. Investors can pursue higher expected returns by structuring their portfolio around these dimensions.

Dimensions of Expected Returns


  • Market (Equity premiums - stocks vs. bonds)
  • Company Size (Small cap premium - small vs. large companies)
  • Relative Size (Value premium - value vs. growth companies)
  • Profitability (Profitability premium - high vs. low value comparison)

Fixed Income

  • Term (Term premium - longer vs. shorter maturity bonds)
  • Credit (Credit premium - lower vs. higher credit quality bonds)


Practice Smart Diversification

Holding securities across many market segments can help manage overall risk. But diversifying within your home market may not be enough. Global diversification can broaden your investment universe.


Avoid Market Timing

You never know which market segments will outperform from year to year. By holding a globally diversified portfolio, investors are well positioned to seek returns wherever they occur.


Manage Your Emotions

Many people struggle to separate their emotions from investing. Markets go up and down. Reacting to current market conditions may lead to making poor investment decisions.


Look Beyond the Headlines

Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future, while others tempt you to chase the latest investment fad. When headlines unsettle you, consider the source and maintain a long-term perspective.


Focus on What You Can Control

A financial advisor can offer expertise and guidance to help you focus on actions that add value. This can lead to a better investment experience.

Get Started Today!

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