# EDGAR Filing Document

**Accession Number:** 0001824263
**File Stem:** 0001824263-26-000001
**Filing Date:** 2026-2
**Character Count:** 7337
**Document Hash:** 23cc1791937b7ab777918c77019e511a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001824263-26-000001.hdr.sgml**: 20260202

**ACCESSION NUMBER**: 0001824263-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260202

**DATE AS OF CHANGE**: 20260202

**EFFECTIVENESS DATE**: 20260202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Bull Oak Capital, LLC
- **CENTRAL INDEX KEY:** 0001824263

**ORGANIZATION NAME:**
- **EIN:** 464403076
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22658
- **FILM NUMBER:** 26586441

**BUSINESS ADDRESS:**
- **STREET 1:** 16236 SAN DIEGUITO RD
- **STREET 2:** SUITE 4-22
- **CITY:** RANCHO SANTA FE
- **STATE:** CA
- **ZIP:** 92091
- **BUSINESS PHONE:** (858) 999-3550

**MAIL ADDRESS:**
- **STREET 1:** P.O. BOX 675752
- **CITY:** RANCHO SANTA FE
- **STATE:** CA
- **ZIP:** 92067-5752

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Bull Oak Capital LLC<br>**Address:** P.O. BOX 675752<br>RANCHO SANTA FE, CA 92067-5752

**Form 13F File Number:** 028-22658

**CRD Number (if applicable):** 000170325

**SEC File Number (if applicable):** 801-124736

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Ryan Hughes<br>**Title:** Chief Executive Officer CCO<br>**Phone:** 8589993550

**Signature, Place, and Date of Signing:**

Ryan Hughes  Rancho Santa Fe, CA  02-02-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 36

**Form 13F Information Table Value Total:** $244786959

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ADOBE INC | COM | 00724F101 |  | 335640 | 959 | SH |  | SOLE |  | 0 | 0 | 959 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 303297 | 969 | SH |  | SOLE |  | 0 | 0 | 969 |
| APPLE INC | COM | 037833100 |  | 329766 | 1213 | SH |  | SOLE |  | 0 | 0 | 1213 |
| AMERICAN CENTY ETF TR | INTL SMCP VLU | 025072802 |  | 6947296 | 73931 | SH |  | SOLE |  | 0 | 0 | 73931 |
| AMERICAN CENTY ETF TR | US EQT ETF | 025072885 |  | 11477012 | 102675 | SH |  | SOLE |  | 0 | 0 | 102675 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 3247859 | 31848 | SH |  | SOLE |  | 0 | 0 | 31848 |
| BANK AMERICA CORP | COM | 060505104 |  | 276980 | 5036 | SH |  | SOLE |  | 0 | 0 | 5036 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 272505 | 5849 | SH |  | SOLE |  | 0 | 0 | 5849 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 228369 | 3079 | SH |  | SOLE |  | 0 | 0 | 3079 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 419024 | 3482 | SH |  | SOLE |  | 0 | 0 | 3482 |
| INTUIT | COM | 461202103 |  | 566369 | 855 | SH |  | SOLE |  | 0 | 0 | 855 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 252481 | 411 | SH |  | SOLE |  | 0 | 0 | 411 |
| INVESCO EXCH TRADED FD TR II | S 500 MOMNTM | 46138E339 |  | 18846952 | 157953 | SH |  | SOLE |  | 0 | 0 | 157953 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 24372230 | 221264 | SH |  | SOLE |  | 0 | 0 | 221264 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 9479618 | 94437 | SH |  | SOLE |  | 0 | 0 | 94437 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 3743709 | 75402 | SH |  | SOLE |  | 0 | 0 | 75402 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 32337106 | 361470 | SH |  | SOLE |  | 0 | 0 | 361470 |
| ISHARES TR | CORE S ETF | 464287200 |  | 74717365 | 109086 | SH |  | SOLE |  | 0 | 0 | 109086 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 7681685 | 94637 | SH |  | SOLE |  | 0 | 0 | 94637 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 3586075 | 155747 | SH |  | SOLE |  | 0 | 0 | 155747 |
| MICROSOFT CORP | COM | 594918104 |  | 702700 | 1453 | SH |  | SOLE |  | 0 | 0 | 1453 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 276020 | 1480 | SH |  | SOLE |  | 0 | 0 | 1480 |
| PEPSICO INC | COM | 713448108 |  | 249581 | 1739 | SH |  | SOLE |  | 0 | 0 | 1739 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 292862 | 2044 | SH |  | SOLE |  | 0 | 0 | 2044 |
| QUALCOMM INC | COM | 747525103 |  | 772804 | 4518 | SH |  | SOLE |  | 0 | 0 | 4518 |
| SALESFORCE INC | COM | 79466L302 |  | 261466 | 987 | SH |  | SOLE |  | 0 | 0 | 987 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 2274218 | 84512 | SH |  | SOLE |  | 0 | 0 | 84512 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 698936 | 1025 | SH |  | SOLE |  | 0 | 0 | 1025 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 3602477 | 139902 | SH |  | SOLE |  | 0 | 0 | 139902 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 9490106 | 118301 | SH |  | SOLE |  | 0 | 0 | 118301 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 1454311 | 2981 | SH |  | SOLE |  | 0 | 0 | 2981 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2846188 | 9807 | SH |  | SOLE |  | 0 | 0 | 9807 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 267754 | 427 | SH |  | SOLE |  | 0 | 0 | 427 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 5441358 | 69044 | SH |  | SOLE |  | 0 | 0 | 69044 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 15664150 | 46721 | SH |  | SOLE |  | 0 | 0 | 46721 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1070690 | 5606 | SH |  | SOLE |  | 0 | 0 | 5606 |

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