Palladiem, LLC is an investment advisory firm founded in August 2011. On September 12, 2023,
OAR Financial, LLC acquired Palladiem. The principal owner is OAR Financial, LLC, a wholly
owned subsidiary of IDX Global.
Palladiem does business under the name OAR Financial. As used in this Brochure, the words “OAR
Financial”, “Advisor”, “we”, “our” and “us” refer to OAR Financial. The words “you”, “your” and
“Client” refer to you as either a client or prospective client.
As of December 31, 2023, OAR Financial managed $123,715,704 on a discretionary basis and
$342,284,226 on a non-discretionary basis.
Investment Advisory Services
OAR Financial’s investment philosophy is founded on fundamental investment principles. We
manage diversified, multi-asset class portfolios that include a variety of styles, strategies, and
investment vehicles. We tend to favor investments at discounts to conservative estimates of their
intrinsic value. As global investors, we search for investments across markets as we seek to improve
risk-adjusted performance. We believe this approach has the potential to outperform relevant
benchmarks on a risk-adjusted basis over the long term.
We provide discretionary and non-discretionary investment advisory services to Registered
Investment Advisors (“RIAs”) & Intermediaries, whose clients are individuals and high net worth
individuals. OAR Financial will enter into advisory agreements with the RIA or Intermediary as
well as the individual client. The signed advisory agreement gives OAR Financial discretionary
authority over each account, while the RIA or Intermediary holds the relationship with the client.
We also provide our services to other investment advisers through sub-advisory agreements.
Institutional Investment Services or Outsourced Chief Investment Officer
We provide investment advisory and management services to “Institutional Clients” as well as
individuals and high net worth individuals. We refer to this service as Outsourced Chief Investment
Officer (“OCIO”). These services are provided to third-party Registered Investment Advisors
(“RIAs”) & Intermediaries on a discretionary and non-discretionary basis. Our OCIO services
consist of the following:
• Capital market assumptions
• Asset allocation recommendations
• Factsheets for all models
• Investment vehicle
due diligence
• Ongoing market commentary
• Investment committee participation
OAR Financial offers discretionary services as they pertain to asset and style allocation, investment
vehicle discretion, portfolio construction, and trading and tax management, if applicable. We have
ongoing responsibility for creating individualized investment portfolios and will evaluate and
recommend other investment managers. The investment portfolios are created based on client
objectives, risk tolerance, time horizon, liquidity needs, and other account profile information. The
portfolio investments may include mutual funds, exchange-traded funds (“ETFs”), exchange traded
securities, index models, and risk-managed cryptocurrency.
In addition, we offers non-discretionary services where we offer model portfolios to the third-party
firm. In certain cases, these model portfolios may be customized to meet certain objectives or
constraints dictated by the third-party firm. We may assist in determining the purchase and sale of
certain securities and index models by indicating to the Client timing recommendations of
purchases or sales and hiring or termination of investment managers. Generally, the Institutional
Client will facilitate the execution of the transactions we recommend.
Sub-Advisory Services
We have entered into a sub-advisory agreement with a third party Registered Investment Adviser
to provide access to a universe of model managers and investment strategies in the form of model
portfolios implemented by OAR Financial. Under the program, both OAR Financial and the
Advisor select model managers and specific investment strategies for the portfolio to meet each
client’s needs. Once an asset allocation is set, OAR Financial provides overlay management
services for the portfolio and implements trade orders based on the recommendations of the selected
model managers.
Requirements for Investment Restrictions
You may put reasonable restrictions on the types of securities to be bought and sold in your account.
However, OAR Financial, in its sole discretion, may determine that it cannot accept your requested
restriction if, in its sole determination, the restriction prevents us from feasibly managing the
account in accordance with the selected portfolio guidelines. Requests for restrictions must be
provided in writing.