Form ADV Part 2B - Oak Harvest Financial Group

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Troy Robert Sharpe
Personal CRD Number: 6408500
Chief Executive Officer
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 10/27/2023

Item 2: Educational Background and Business Experience

Name: Troy Robert Sharpe Born: 1980
Educational Background and Professional Designations:
Education:

Bachelor of Science in Finance, Florida State University – 2004

CERTIFIED FINANCIAL PLANNER Graduate Certificate Program - Susanne M. Glasscock
School of Continuing Studies, Rice University

Designations:

CFP® - Certified Financial Planner

The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame
design) marks (collectively, the “CFP® marks”) are professional certification marks granted in
the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

The CFP® certification is a voluntary certification; no federal or state law or regulation requires
financial planners to hold CFP® certification. It is recognized in the United States and a number
of other countries for its (1) high standard of professional education; (2) stringent code of
conduct and standards of practice; and (3) ethical requirements that govern professional
engagements with clients.

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following
requirements:

• Education – Complete an advanced college-level course of study addressing the
financial planning subject areas that CFP Board’s studies have determined as necessary
for the competent and professional delivery of financial planning services, and attain a
Bachelor’s Degree from a regionally accredited United States college or university (or its
equivalent from a foreign university). CFP Board’s financial planning subject areas
include insurance planning and risk management, employee benefits planning,
investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The
examination includes case studies and client scenarios designed to test one’s ability to
correctly diagnose financial planning issues and apply one’s knowledge of financial
planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related
experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of
documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics
requirements in order to maintain the right to continue to use the CFP® marks:
i. Continuing Education – Complete 30 hours of continuing education hours every two
years, including two hours on the Code of Ethics and other parts of the Standards of
Professional Conduct, to maintain competence and keep up with developments in the
financial planning field; and
ii. Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The
Standards prominently require that CFP® professionals provide financial planning
services at a fiduciary standard of care. This means CFP® professionals must provide
financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be
subject to CFP Board’s enforcement process, which could result in suspension or permanent
revocation of their CFP® certification.

CPWA® - Certified Private Wealth Advisor®
• The CPWA designation signifies that an individual has met initial and on-going experience,
ethical, education, and examination requirements for the professional designation, which is
centered on private wealth management topics and strategies for high net-worth clients.
Prerequisites for the CPWA designation are: a Bachelor's degree from an accredited college
or university or one of the following
• Designations or licenses: CIMA". CIMC ". CFA°'. CFP®. ChFC". or CPA license; have an
acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory
requirements and five years of experience in financial services or delivering services to
highnet-worth clients. CPWA designees have completed a rigorous educational process that
includes self-study requirements, an in-class education compo and successful completion
of a comprehensive examinant on. CPWA designees are required at the University Of
Chicago Booth School Of Business to IMCA's Code of Professional Responsibility and Rules
and Guidelines for Use of the Marks. CPWA designees must report 40 hours of continuing
education credits, including two ethics hours, every two years to maintain the certification.
The designation is administered through Investment Management Consultants Association
(IMCA).

CTS – Certified Tax Specialist
The Certified Tax Specialist Program is focused on the tax compliance requirements for
individuals subject to estate and donor’s taxation, for property owners subject to capital gains
and other property taxes, and for business owners in business and income taxation. In the
program, the participants are guided in learning the fundamental principles, practical
applications, and statutory compliance requirements. In order to obtain the Certified Tax
Specialist designation, the participant must;
• Pass three exams; each one covers two of the six modules
• Complete one open-book case study (a one page set of facts based on a hypothetical
client)
• Fill out a registration form and complete a student questionnaire
• Sign a code of ethic
• Candidates must have at least 2,000 hours of work experience in the financial services
industry or a bachelor's degree from an accredited college or university.
• Designees must complete 15 hours of continuing education, reported once every year.

Business Background:
05/2018 - Present President
OHFG Ventures, LP
05/2018 - Present President
OHFG Management, Inc.
05/2018 - Present Managing Member
Troy Sharpe Consulting, LLC
09/2014 - Present Chief Executive Officer
Oak Harvest Investment Services, LLC
09/2014 – 07/2022 Chief Compliance Officer
Oak Harvest Investment Services, LLC
04/2012 - Present Chief Executive Officer
Oak Harvest Insurance Services, LLC
09/2010 - Present Chief Executive Officer
Oak Harvest Financial Group, PLLC
06/2008 – 05/2018 Managing Member
Sharpe Financial Strategies, LLC

Item 3: Disciplinary Information
Registered investment advisors are required to disclose certain material facts about its
associated personnel regarding any legal or disciplinary events, including criminal or civil
action in a domestic, foreign or military court, or any proceeding before a state, federal or
foreign regulatory agency, self-regulatory organization, or suspension or sanction by a
professional association for violation of its conduct rules, that would be material to your
evaluation of each officer or a supervised person providing investment advice. Mr. Sharpe has
not been the subject of an event requiring disclosure under current guidelines.

Item 4: Other Business Activities
Troy Robert Sharpe is CEO of Oak Harvest Insurance Services and is a licensed insurance agent.
From time to time, he will offer clients advice or products from those activities. This activity
involves 34% or less of his time during traditional business hours each month. Mr. Sharpe is
able to sell annuities, life, health, and long-term care coverage to interested parties through
various unaffiliated insurance companies via our insurance agency Oak Harvest Insurance
Services, LLC. Clients should be aware that these services pay a commission and involve a
conflict of interest, as commissionable products conflict with the fiduciary duties of a registered
investment adviser. Oak Harvest Investment Services always acts in the best interest of the
client; including the sale of commissionable products to advisory clients. Clients always have
the right to decide whether or not to utilize the services of any representative of Oak Harvest
Investment Services in such individual’s outside capacities.

Mr. Sharpe is the President and Managing Member of OHFG Ventures, LP and OHFG
Management, Inc, the owning companies of Oak Harvest Investment Services, LLC and Oak
Harvest Insurance Services, LLC. He may receive income from revenue generated from both of
these entities. This activity involves 34% of less of his time during traditional business hours
each month.

Mr. Sharpe is President and Managing Member of Troy Sharpe Consulting, LLC; a closely held
entity used for the purpose of personal income and expenses. Mr. Sharpe consults for high-net
worth clients, and this activity involves less than 34% of his time each month, and normally
occurs during regular business hours.

Mr. Sharpe is not registered, nor has an application pending to register, as a registered
representative of a broker/dealer or associated person of a futures commission merchant,
commodity pool operator, or commodity trading advisor. He does not receive commissions,
bonuses or other compensation based on the sale of securities, including that as a registered
representative of a broker/dealer or the distribution or service ("trail") fees from the sale of
mutual funds. Mr. Sharpe and our advisory firm do not have a material relationship with the
issuer of a security.

Item 5: Additional Compensation
Mr. Sharpe is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a
commission or renewal payment from the issuer subsequent to a client’s purchase of an
insurance contract. Further information with regard to these other activities may be found in the
directly above section “Other Business Activities.” Whether they are serving a client in one or
more capacities, Oak Harvest representatives will disclose in advance how they are being
compensated and if there is a conflict of interest involving any advice or service being provided.
At no time will there be tying between business practices and/or services; a condition where a
client or prospective client would be required to accept one product or service which is
conditional upon the selection of a second, distinctive tied product or service. The offer and sale
of Insurance products are not made in the associate’s capacity as a fiduciary and is limited to
providers that have agreements to sell with Oak Harvest Insurance Services. No client is ever
obligated to purchase any insurance product. Insurance products may also be available from
other providers on more favorable terms, but OHIS and its associates will always act in the best
interests of the client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Mr. Sharpe is supervised by C. Nathan
Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for ensuring that
Mr. Sharpe adheres to all required regulations regarding the activities of an Investment Adviser
Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and
compliance manual. The phone number for C. Nathan Kattner is (281) 822-1350.
Additional information about the firm, other advisory firms, or an associated investment
advisor representative is available on the internet at www.adviserinfo.sec.gov. A search of this
site for firms may be accomplished by firm name or a unique firm identifier, known as an lARD
or CRD number. The CRD number for Oak Harvest Investment Services, LLC is 173293. The
business and disciplinary history, if any, of an investment advisory firm and its representatives
may be obtained by calling the Texas State Securities Board at (512) 305-8300.

This brochure supplement provides information about Jessica Cannella that supplements the Oak
Harvest Investment Services brochure. You should have received a copy of that brochure. Please contact
Jessica Cannella if you did not receive Oak Harvest Investment Services’ brochure or if you have any
questions about the contents of this supplement.
Additional information about Jessica Cannella is also available on the SEC’s website at
www.adviserinfor.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Jessica Cannella
Personal CRD Number: 6912937
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way, Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 10/27/2023

Item 2: Educational Background and Business Experience

Name: Jessica Cannella Born: 1986
Educational Background and Professional Designations:
Education:
Jessica Cannella has not received any higher education degrees after high school.
Business Background:
02/2018 – Present Investment Adviser Representative
Oak Harvest Financial Group
09/2010 - Present President
Oak Harvest Financial Group
12/2006 - 07/2010 Marketing
Allstate
Insurance

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Jessica Cannella is a licensed insurance agent. From time to time, she will offer clients advice
or products from those activities. This activity involves 34% or less of her time during
traditional business hours each month. Ms. Cannella is able to sell annuities, life, health, and
long-term care coverage to interested parties through various unaffiliated insurance
companies via our insurance agency Oak Harvest Insurance Services, LLC. Clients should be
aware that these services pay a commission and involve a conflict of interest, as
commissionable products conflict with the fiduciary duties of a registered investment
adviser. Oak Harvest Investment Services always acts in the best interest of the client;
including the sale of commissionable products to advisory clients. Clients always have the
right to decide whether or not to utilize the services of any representative of Oak Harvest
Investment Services in such individual’s outside capacities.
Mrs. Cannella is a partner of OHFG Ventures, LP, the entity which owns Oak Harvest
Investment Services, and a minority owner of OHFG Management, Inc., the entity which
owns OHFG Ventures, LP. She may receive income from revenue generated from both of
these entities. This activity involves 34% or less of her time during traditional business hours
each month.

Item 5: Additional Compensation
Ms. Cannella is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC.

She receives a commission or renewal payment from the issuer subsequent to a client’s purchase

of an insurance contract. Further information with regard to these other activities may be found in
the directly above section “Other Business Activities.” Whether they are serving a client in
one or more capacities, Oak Harvest representatives will disclose in advance how they are
being compensated and if there is a conflict of interest involving any advice or service being
provided. At no time will there be tying between business practices and/or services; a
condition where a client or prospective client would be required to accept one product or
service which is conditional upon the selection of a second, distinctive tied product or
service. The offer and sale of Insurance products are not made in the associate’s capacity as a
fiduciary and is limited to providers that have agreements to sell with Oak Harvest Insurance
Services. No client is ever obligated to purchase any insurance product. Insurance products
may also be available from other providers on more favorable terms, but OHIS and its
associates will always act in the best interests of the client.

Jessica Cannella is President and Managing Member of Cannella Consulting, LLC; a closely held
entity used for the purpose of personal income and expenses. Ms. Cannella consults for high-net
worth clients, and this activity involves less than 34% of her time each month, and normally
occurs during regular business hours.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Jessica Cannella is supervised by
C. Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible
for ensuring that Jessica Cannella adheres to all required regulations regarding the
activities of an Investment Adviser Representative, as well as all policies and procedures
outlined in the firm’s Code of Ethics and compliance manual. The phone number for C.
Nathan Kattner is (281) 822-1350.

This brochure supplement provides information about Chad Schneider that supplements the
Oak Harvest Investment Services brochure. You should have received a copy of that brochure.
Please contact Chad Schneider if you did not receive Oak Harvest Investment Services’s
brochure or if you have any questions about the contents of this supplement.
Additional information about Chad Schneider is also available on the SEC’s website at
www.adviserinfo.sec.gov

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Chad Lee Schneider
Personal CRD Number: 4191671
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 10/27/2023

Item 2: Educational Background and Business Experience

Name: Chad Lee Schneider Born: 1969
Educational Background and Professional Designations:
Education:
Bachelor's Psychology, Texas State University - 2000

Business Background:
10/2021 - Present Investment Adviser Representative
Oak Harvest Investment Services
10/2021 - Present Advisor Operations
Oak Harvest Financial Group
02/2021 - 10/2021 N/A
Unemployed
01/2021 - 02/2021 Investment Advisor
Hodos Wealth Group
11/2015 - 01/2021 Financial Advisor
Private Advisor Group/LPL Financial dba Kidwell &
05/2015 - 10/2015 N/A
Unemployed
01/2004 - 05/2015 Director of Operations
LPL Financial dba Legacy Wealth Management

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Chad Lee Schneider is a licensed insurance agent. This activity creates a conflict of interest since
there is an incentive to recommend insurance products based on commissions or other benefits
received from the insurance company, rather than on the client’s needs. Additionally, the offer
and sale of insurance products by supervised persons of Oak Harvest Investment Services are
not made in their capacity as a fiduciary, and products are limited to only those offered by
certain insurance providers. Oak Harvest Investment Services addresses this conflict of interest
by requiring its supervised persons to act in the best interest of the client at all times, including
when acting as an insurance agent. Oak Harvest Investment Services periodically reviews
recommendations by its supervised persons to assess whether they are based on an objective
evaluation of each client’s risk profile and investment objectives rather than on the receipt of
any commissions or other benefits. Oak Harvest Investment Services will disclose in advance
how it or its supervised persons are compensated and will disclose conflicts of interest
involving any advice or service provided. At no time will there be tying between business
practices and/or services (a condition where a client or prospective client would be required to
accept one product or service conditioned upon the selection of a second, distinctive tied
product or service). No client is ever under any obligation to purchase any insurance product.
Insurance products recommended by Oak Harvest Investment Services’ supervised persons
may also be available from other providers on more favorable terms, and clients can purchase
insurance products recommended through other unaffiliated insurance agencies.

Item 5: Additional Compensation

Mr. Schneider is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a
commission or renewal payment from the issuer subsequent to a client’s purchase of an
insurance contract. Further information with regard to these other activities may be found in the
directly above section “Other Business Activities.” Whether they are serving a client in one or
more capacities, Oak Harvest representatives will disclose in advance how they are being
compensated and if there is a conflict of interest involving any advice or service being provided.
At no time will there be tying between business practices and/or services; a condition where a
client or prospective client would be required to accept one product or service which is
conditional upon the selection of a second, distinctive tied product or service. The offer and sale
of Insurance products are not made in the associate’s capacity as a fiduciary and is limited to
providers that have agreements to sell with Oak Harvest Insurance Services. No client is ever
obligated to purchase any insurance product. Insurance products may also be available from
other providers on more favorable terms, but OHIS and its associates will always act in the best
interests of the client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Chad Lee Schneider is supervised by
C. Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Chad Lee Schneider adheres to all required regulations regarding the activities of
an Investment Adviser Representative, as well as all policies and procedures outlined in the
firm’s Code of Ethics and compliance manual. The phone number for C. Nathan Kattner is (281) 822-1350.

This brochure supplement provides information about Charles David Scavone that
supplements the Oak Harvest Investment Services brochure. You should have received a copy of
that brochure. Please contact Charles David Scavone if you did not receive Oak Harvest
Investment Services’ brochure or if you have any questions about the contents of this
supplement.
Additional information about Charles David Scavone is also available on the SEC’s website at
www.adviserinfo.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Charles David Scavone
Personal CRD Number: 2480848
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 01/25/2023

Item 2: Educational Background and Business Experience

Name: Charles David Scavone Born: 1962
Educational Background and Professional Designations:
Education:
BA Business, Southeastern Louisiana University - 1986
MBA Business, University of Houston - 1988

Designations:
CFA – Chartered Financial Analyst
The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level
investment credential established in 1962 and awarded by CFA Institute - the largest global
association of investment professionals.

There are currently more than 90,000 CFA charterholders working in 134 countries. To earn the
CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least
four years of qualified professional investment experience; 3) join CFA Institute as members;
and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of
Ethics and Standards of Professional Conduct.

High Ethical Standards
The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an
active professional conduct program, require CFA charterholders to:
• Place their clients' interests ahead of their own
• Maintain independence and objectivity
• Act with integrity
• Maintain and improve their professional competence
• Disclose conflicts of interest and legal matters

Global Recognition
Passing the three CFA exams is a difficult feat that requires extensive study (successful
candidates report spending an average of 300 hours of study per level). Earning the CFA charter
demonstrates mastery of many of the advanced skills needed for investment analysis and
decision-making in today's quickly evolving global financial industry. As a result, employers
and clients are increasingly seeking CFA charter holders-often making the charter a prerequisite
for employment.

Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a
proxy for meeting certain licensing requirements, and more than 125 colleges and universities
around the world have incorporated a majority of the CFA Program curriculum into their own
finance courses.

Comprehensive and Current Knowledge
The CFA Program curriculum provides a comprehensive framework of knowledge for
investment decision-making and is firmly grounded in the knowledge and skills used every day
in the investment profession. The three levels of the CFA Program test proficiency with a wide
range of fundamental and advanced investment topics, including ethical and professional
standards, fixed-income and equity analysis, alternative and derivative investments, economics,
financial reporting standards, portfolio management, and wealth planning.

The CFA Program curriculum is updated every year by experts from around the world to
ensure that candidates learn the most relevant and practical new tools, ideas, and investment
and wealth management skills to reflect the dynamic and complex nature of the profession.

To learn more about the CFA charter, visit www.cfainstitute.org.

Business Background:
01/2023 - Present Investment Adviser Representative
Oak Harvest Investment Services
01/2023 - Present Director-Investments
Oak Harvest Financial Group
03/2022 - 01/2023 Sr Manager
PricewaterhouseCoopers
07/2013 - 02/2022 NA
Self Employed
03/2009 - 06/2013 Chief Investment Officer
Patriot Wealth Management, Inc

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Charles David Scavone is not engaged in any investment-related business or occupation (other
than this advisory firm).

Item 5: Additional Compensation
Charles David Scavone does not receive any economic benefit from any person, company, or
organization, other than Oak Harvest Investment Services in exchange for providing clients
advisory services through Oak Harvest Investment Services.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Charles David Scavone is supervised
by Chris P Perras, the firm's Chief Compliance Officer. Chris P Perras is responsible for
ensuring that Charles David Scavone adheres to all required regulations regarding the activities
of an Investment Adviser Representative, as well as all policies and procedures outlined in the
firm’s Code of Ethics and compliance manual. The phone number for Chris P Perras is (281)
822-1350.

This brochure supplement provides information about Christopher Tran Myrick that
supplements the Oak Harvest Investment Services brochure. You should have received a copy
of that brochure. Please contact Christopher Tran Myrick if you did not receive Oak Harvest
Investment Services’ brochure or if you have any questions about the contents of this
supplement.
Additional information about Christopher Tran Myrick is also available on the SEC’s website
at www.adviserinfo.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Christopher Tran Myrick
Personal CRD Number: 6779072
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way, Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: July 11, 2022

Item 2: Educational Background and Business Experience

Name: Christopher Tran Myrick Born: 1985
Educational Background and Professional Designations:
Education:
Master of Business Administration Finance, University of Houston - 2011
Bachelor of Business Administration Finance, University of Houston - 2008
Business Background:
12/2016 - Present Investment Adviser Representative
Oak Harvest Investment Services
12/2013 - Present Lead Case Design
Oak Harvest Financial Group
03/2007 - 12/2013 Client Associate / Teller
JPMorgan Chase
Item 3: Disciplinary Information

There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Christopher Tran Myrick is not engaged in any investment-related business or occupation
(other than this advisory firm).

Item 5: Additional Compensation
Christopher Tran Myrick does not receive any economic benefit from any person, company, or
organization, other than Oak Harvest Investment Services in exchange for providing clients
advisory services through Oak Harvest Investment Services.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Christopher Tran Myrick is supervised
by C. Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Christopher Tran Myrick adheres to all required regulations regarding the
activities of an Investment Adviser Representative, as well as all policies and procedures
outlined in the firm’s Code of Ethics and compliance manual. The phone number for C. Nathan
Kattner is (281) 822-1350.

This brochure supplement provides information about Chris Perras that supplements the Oak
Harvest Investment Services brochure. You should have received a copy of that brochure. Please
contact Chris Perras if you did not receive Oak Harvest Investment Services’ brochure or if you have
any questions about the contents of this supplement.
Additional information about Chris Perras is also available on the SEC’s website at
www.adviserinfo.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Chris Perras
Personal CRD Number: 2401654
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way, Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 01/11/2023

Item 2: Educational Background and Business Experience

Name: Chris Perras Born: 1965
Educational Background and Professional Designations:
Education:
MBA Business admin, Harvard - 1993
BS Electrical Engineering, Georgia Institute of Technology - 1988
Designations:
CFA – Chartered Financial Analyst
The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level
investment credential established in 1962 and awarded by CFA Institute - the largest global
association of investment professionals.

Global Recognition
Passing the three CFA exams is a difficult feat that requires extensive study (successful
candidates report spending an average of 300 hours of study per level). Earning the CFA
charter demonstrates mastery of many of the advanced skills needed for investment analysis
and decision making in today's quickly evolving global financial industry. As a result,
employers and clients are increasingly seeking CFA charterholders-often making the charter a
prerequisite for employment.

Comprehensive and Current Knowledge
The CFA Program curriculum provides a comprehensive framework of knowledge for
investment decision making and is firmly grounded in the knowledge and skills used every day
in the investment profession. The three levels of the CFA Program test a proficiency with a wide
range of fundamental and advanced investment topics, including ethical and professional
standards, fixed-income and equity analysis, alternative and derivative investments, economics,
financial reporting standards, portfolio management, and wealth planning.

The CFA Program curriculum is updated every year by experts from around the world to
ensure that candidates learn the most relevant and practical new tools, ideas, and
investment and wealth management skills to reflect the dynamic and complex nature of the
profession.

To learn more about the CFA charter, visit www.cfainstitute.org.

CLU®- Chartered Life Underwriter®
• Employers require accountants to hold a bachelor's degree in accounting, economics or
finance. Bachelor's degree programs cover financial accounting, management, business law,
marketing, finance and taxation. Students often gain real-world experience through summer
or part-time internships. Some accountants also have a master's degree in accounting or a
Master of Business Administration. Many accountants improve their credentials by becoming
Certified Public Accountants.
• A Certified Management Accountant (CMA) needs a bachelor's degree from an accredited
college or university, a GRE or GMAT score in or above the fiftieth percentile or current
certification in a comparable field

ChFC®- Chartered Financial Consultant®
• Bachelor’s degree or its equivalent, in any discipline, from an accredited university, this
qualifies as one year of business experience
• Three years of full-time business experience is required; this three-year period must be within
the five years preceding the date of the award (part-time qualifying business experience is
also credited toward the three-year requirement with 2,000 hours representing the equivalent
of one-year full-time experience).
• Must fulfill the ChFC® seven course curriculum, as well as two additional elective courses
• Pass the exams for all required and elective courses
• Pass a background check and candidate fitness standards test. You must reveal any criminal
history, pending litigation or ethical violations.

Business Background:
04/2018 – Present Chief Investment Officer
Oak Harvest Investment Services
04/2018 – Present Investment Advisor Representative
Oak Harvest Investment Services
10/2017 – 04/2018 Trader
Self employed
04/2014 - 10/2017 CIO
Mosaic Advisors
01/2009 - 04/2014 Self employed
Trading
06/2002 - 12/2007 Partner and Portfolio Manager
DG Captial
06/2008 - 12/2009 Portfolio Manager
Citadel Investments

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Chris Perras is a licensed insurance agent. From time to time, he will offer clients advice or
products from those activities. This activity involves 34% or less of his time during traditional
business hours each month. Mr. Perras is able to sell annuities, life, health, and long-term care
coverage to interested parties through various unaffiliated insurance companies via our insurance
agency Oak Harvest Insurance Services, LLC. Clients should be aware that these services pay a
commission and involve a conflict of interest, as commissionable products conflict with the
fiduciary duties of a registered investment adviser. Oak Harvest Investment Services always acts
in the best interest of the client; including the sale of commissionable products to advisory clients.
Clients always have the right to decide whether or not to utilize the services of any representative
of Oak Harvest Investment Services in such individual’s outside capacities.

Item 5: Additional Compensation
Chris Perras is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a
commission or renewal payment from the issuer subsequent to a client’s purchase of an
insurance contract. Further information with regard to these other activities may be found in the
directly above section “Other Business Activities.” Whether they are serving a client in one or
more capacities, Oak Harvest representatives will disclose in advance how they are being
compensated and if there is a conflict of interest involving any advice or service being provided.
At no time will there be tying between business practices and/or services; a condition where a
client or prospective client would be required to accept one product or service which is conditional
upon the selection of a second, distinctive tied product or service. The offer and sale of Insurance
products are not made in the associate’s capacity as a fiduciary and is limited to providers that
have agreements to sell with Oak Harvest Insurance Services. No client is ever obligated to
purchase any insurance product. Insurance products may also be available from other providers
on more favorable terms, but OHIS and its associates will always act in the best interests of the
client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Chris Perras is supervised by C.
Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Chris Perras adheres to all required regulations regarding the activities of an
Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s
Code of Ethics and Compliance Manual. The phone number for C. Nathan Kattner is (281) 822-
1350.

This brochure supplement provides information about Dustin Humrich that supplements the
Oak Harvest Investment Services brochure. You should have received a copy of that brochure.
Please contact Dustin Humrich if you did not receive Oak Harvest Investment Services’s
brochure or if you have any questions about the contents of this supplement.
Additional information about Dustin Humrich is also available on the SEC’s website at
www.adviserinfo.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Dustin Humrich
Personal CRD Number: 6807632
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(713) 684-8867
[email protected]
UPDATED: 10/27/2023

Item 2: Educational Background and Business Experience

Name: Dustin Humrich Born: 1989
Educational Background and Professional Designations:
Education:
Finance Personal Financial Planning, Utah Valley University - 2017

Designations:
ChFC®- Chartered Financial Consultant®

ChFC® MINIMUM QUALIFICATIONS:
• Bachelor’s degree or its equivalent, in any discipline, from an accredited university, this
qualifies as one year of business experience
• Three years of full-time business experience is required; this three-year period must be
within the five years preceding the date of the award (part-time qualifying business
experience is also credited toward the three-year requirement with 2,000 hours
representing the equivalent of one year full-time experience).
• Must fulfill the ChFC® seven course curriculum, as well as two additional elective
courses
• Pass the exams for all required and elective courses
• Pass a background check and candidate fitness standards test. You must reveal any
criminal history, pending litigation or ethical violations. The CFP board verifies all
employment history, qualifications and disciplinary issues via FINRA's Central
Registration Depository.

Business Background:
02/2022 - Present Investment Adviser Representative
Oak Harvest Investment Services
02/2022 - Present Service Advisor
Oak Harvest Financial Group
09/2020 - 02/2022 Private Wealth Management Specialist
Merrill Lynch
06/2017 - 09/2020 Ultra High Net Worth Client Consultant
Vanguard Inc
01/2016 - 05/2017 Internship
Diversify, INC
11/2014 - 01/2016 Banker
Mountain America Credit Union
09/2012 - 11/2014 Banker
Wells Fargo
01/2012 - 09/2012 Server
Texas De Brazil

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Dustin Humrich has a business organization called UNTD Energy which sells residential solar
system since December 2020.

Dustin Humrich is a licensed insurance agent. This activity creates a conflict of interest since
there is an incentive to recommend insurance products based on commissions or other benefits
received from the insurance company, rather than on the client’s needs. Additionally, the offer
and sale of insurance products by supervised persons of Oak Harvest Investment Services are
not made in their capacity as a fiduciary, and products are limited to only those offered by
certain insurance providers. Oak Harvest Investment Services addresses this conflict of interest
by requiring its supervised persons to act in the best interest of the client at all times, including
when acting as an insurance agent. Oak Harvest Investment Services periodically reviews
recommendations by its supervised persons to assess whether they are based on an objective
evaluation of each client’s risk profile and investment objectives rather than on the receipt of
any commissions or other benefits. Oak Harvest Investment Services will disclose in advance
how it or its supervised persons are compensated and will disclose conflicts of interest
involving any advice or service provided. At no time will there be tying between business
practices and/or services (a condition where a client or prospective client would be required to
accept one product or service conditioned upon the selection of a second, distinctive tied
product or service). No client is ever under any obligation to purchase any insurance
product. Insurance products recommended by Oak Harvest Investment Services’ supervised
persons may also be available from other providers on more favorable terms, and clients can
purchase insurance products recommended through other unaffiliated insurance agencies.

Item 5: Additional Compensation

Mr. Humrich is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a
commission or renewal payment from the issuer subsequent to a client’s purchase of an
insurance contract. Further information with regard to these other activities may be found in the
directly above section “Other Business Activities.” Whether they are serving a client in one or
more capacities, Oak Harvest representatives will disclose in advance how they are being
compensated and if there is a conflict of interest involving any advice or service being provided.
At no time will there be tying between business practices and/or services; a condition where a
client or prospective client would be required to accept one product or service which is
conditional upon the selection of a second, distinctive tied product or service. The offer and sale
of Insurance products are not made in the associate’s capacity as a fiduciary and is limited to
providers that have agreements to sell with Oak Harvest Insurance Services. No client is ever
obligated to purchase any insurance product. Insurance products may also be available from
other providers on more favorable terms, but OHIS and its associates will always act in the best
interests of the client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Dustin Humrich is supervised by C.
Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Dustin Humrich adheres to all required regulations regarding the activities of an
Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s
Code of Ethics and Compliance Manual. The phone number for C. Nathan Kattner is (281) 822-
1350.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Edward J Rossi
Personal CRD Number: 2318022
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
2818221350 ext 223
[email protected]
UPDATED: 01/11/2023

Item 2: Educational Background and Business Experience

Name: Edward J Rossi Born: 1969
Educational Background and Professional Designations:
Education:
BBA Finance, University of Houston - 1992

Designations:

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following
requirements:
• Education – Complete an advanced college-level course of study addressing the
financial planning subject areas that CFP Board’s studies have determined as necessary
for the competent and professional delivery of financial planning services, and attain a
Bachelor’s Degree from a regionally accredited United States college or university (or its
equivalent from a foreign university). CFP Board’s financial planning subject areas
include insurance planning and risk management, employee benefits planning,
investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The
examination includes case studies and client scenarios designed to test one’s ability to
correctly diagnose financial planning issues and apply one’s knowledge of financial
planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related
experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of
documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics
requirements in order to maintain the right to continue to use the CFP® marks:
i. Continuing Education – Complete 30 hours of continuing education hours every two years,
including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct,
to maintain competence and keep up with developments in the financial planning field; and
ii. Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards
prominently require that CFP® professionals provide financial planning services at a fiduciary
standard of care. This means CFP® professionals must provide financial planning services in the
best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be subject to
CFP Board’s enforcement process, which could result in suspension or permanent revocation of their

CFP® certification.
CRPC® - Chartered Retirement Planning Counselor^SM

• Successfully complete the program;
• Pass the final examination; and
• Comply with the Code of Ethics, which includes agreeing to abide by the Standards of
Professional Conduct and Terms and Conditions. Applicants must also disclose of any
criminal, civil, self-regulatory organization, or governmental agency inquiry,
investigation, or proceeding relating to their professional or business conduct.
Conferment of the designation is contingent upon the College for Financial Planning’s
review of matters either self-disclosed or which are discovered by the College that are
required to be disclosed.
• Successful students receive a certificate and are granted the right to use the designation
on correspondence and business cards for a two-year period.
• Continued use of the CRPC® designation is subject to ongoing renewal requirements.
Every two years individuals must renew their right to continue using the CRPC®
designation by:
• completing 16 hours of continuing education;
• reaffirming to abide by the Standards of Professional Conduct, Terms and
Conditions and self-disclose any criminal, civil, self-regulatory organization, or
governmental agency inquiry, investigation, or proceeding relating to their
professional or business conduct; and
• paying a biennial renewal fee

CMFC® - Chartered Mutual Fund Counselor
• The CMFC designation is a professional designation awarded by the College for
Financial Planning to financial services professionals who complete a study program
and pass an exam covering mutual fund topics.
• All designees have agreed to adhere to Standards of Professional Conduct and are
subject to a disciplinary process.
• Designees renew their designation every two-years by completing 16 hours of
continuing education, reaffirming adherence to the Standards of Professional Conduct
and complying with self-disclosure requirements.

CTS – Certified Tax Specialist
• Pass three exams; each one covers two of the six modules
• Complete one open-book case study (a one page set of facts based on a hypothetical
client)
• Fill out a registration form and complete a student questionnaire
• Sign a code of ethics
• Candidates must have at least 2,000 hours of work experience in the financial services
industry or a bachelor's degree from an accredited college or university.
• Designees must complete 15 hours of continuing education, reported once every year.

CES™ - Certified Estate and Trust Specialist™
The CES™ designation expands your range of services to include estate planning and
asset repositioning on behalf of your financial planning clients. With CES™ knowledge
and strategies, you can offer expert guidance on:
o beneficiaries
o wills and probates
o retirement accounts, taxes, and trusts
o living trusts and control trusts
o incapacity, post-mortem guidelines, and funerals

Candidate must meet one of the following requirements: Bachelor's degree or 2,000 hours
of financial services work experience. Candidate must complete a Self-Study Program
- (six modules. Candidate must take three exams and a case study. Candidate must
complete 30 hours, every two years to satisfy their continuing education requirements.

CPWA® - Certified Private Wealth Advisor®
• The CPWA designation signifies that an individual has met initial and on-going experience,
ethical, education, and examination requirements for the professional designation, which is
centered on private wealth management topics and strategies for high-net-worth clients.
Prerequisites for the CPWA designation are: a Bachelor's degree from an accredited college
or university or one of the following
• Designations or licenses: CIMA". CIMC ". CFA°'. CFP®. ChFC". or CPA license; have an
acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory
requirements and five years of experience in financial services or delivering services to high net-worth clients. CPWA designees have completed a rigorous educational process that
includes self-study requirements, an in-class education compo and successful completion
of a comprehensive examinant on. CPWA designees are required at the University Of
Chicago Booth School Of Business to IMCA's Code of Professional Responsibility and Rules
and Guidelines for Use of the Marks. CPWA designees must report 40 hours of continuing
education credits, including two ethics hours, every two years to maintain the certification.
The designation is administered through Investment Management Consultants Association
(IMCA).

NSSA Certification
The NSSA certification is to educate advisors about Social Security, thereby increasing their value
to clients. The NSSA® Certificate program begins where other higher priced programs end like
RICP® and CFP®. We focus solely on Social Security education and incorporate client and
advisor experiences in our education.

Business Background:
01/2020 - Present Investment Adviser Representative
Oak Harvest Investment Services
01/2020 - Present Licensed Insurance Agent
Oak Harvest Insurance Services
07/2019 - 01/2020 Financial Planner
Etrade
08/2016 - 07/2019 Planner
Edelman Financial Engines
12/2010 - 07/2016 Financial Consultant
Charles Schwab & Co. Inc.
01/2008 - 12/2010 Financial Consultant
PNC Investments

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Edward J Rossi is a licensed insurance agent. From time to time, he will offer clients advice or
products from those activities. This activity involves 33% or less of his time during traditional
business hours each month. Mr. Rossi is able to sell annuities, life, health, and long-term care
coverage to interested parties through various unaffiliated insurance companies via our
insurance agency Oak Harvest Insurance Services, LLC. Clients should be aware that these
services pay a commission and involve a conflict of interest, as commissionable products
conflict with the fiduciary duties of a registered investment adviser. Oak Harvest Investment
Services always acts in the best interest of the client; including the sale of commissionable
products to advisory clients. Clients always have the right to decide whether or not to utilize
the services of any representative of Oak Harvest Investment Services in such individual’s
outside capacities.

Item 5: Additional Compensation
Edward J Rossi is a licensed insurance agent and appointed with various unaffiliated insurance
carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a
commission or renewal payment from the issuer subsequent to a client’s purchase of an
insurance contract. Further information with regard to these other activities may be found in the
directly above section “Other Business Activities.” Whether they are serving a client in one or
more capacities, Oak Harvest representatives will disclose in advance how they are being
compensated and if there is a conflict of interest involving any advice or service being provided.
At no time will there be tying between business practices and/or services; a condition where a
client or prospective client would be required to accept one product or service which is
conditional upon the selection of a second, distinctive tied product or service. The offer and sale
of Insurance products are not made in the associate’s capacity as a fiduciary and is limited to
providers that have agreements to sell with Oak Harvest Insurance Services. No client is ever
obligated to purchase any insurance product. Insurance products may also be available from
other providers on more favorable terms, but OHIS and its associates will always act in the best
interests of the client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Edward J Rossi is supervised by C.
Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Edward J Rossi adheres to all required regulations regarding the activities of an
Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s
Code of Ethics and compliance manual. The phone number for C. Nathan Kattner is (713) 822-
1350.

This brochure supplement provides information about Elizabeth Anne Krog that supplements
the Oak Harvest Investment Services brochure. You should have received a copy of that
brochure. Please contact Elizabeth Anne Krog if you did not receive Oak Harvest Investment
Services’s brochure or if you have any questions about the contents of this supplement.
Additional information about Elizabeth Anne Krog is also available on the SEC’s website at
www.adviserinfo.sec.gov

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Elizabeth Anne Krog
Personal CRD Number: 6898004
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 03/28/2024

Item 2: Educational Background and Business Experience

Name: Elizabeth Anne Krog Born: 1990
Educational Background and Professional Designations:
Education:
Master's Degree in Social Work, University of Texas - 2014

Designations:
CFP® - Certified Financial Planner
The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame
design) marks (collectively, the “CFP® marks”) are professional certification marks granted in
the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following
requirements:
• Education – Complete an advanced college-level course of study addressing the
financial planning subject areas that CFP Board’s studies have determined as necessary
for the competent and professional delivery of financial planning services, and attain a
Bachelor’s Degree from a regionally accredited United States college or university (or its
equivalent from a foreign university). CFP Board’s financial planning subject areas
include insurance planning and risk management, employee benefits planning,
investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The
examination includes case studies and client scenarios designed to test one’s ability to
correctly diagnose financial planning issues and apply one’s knowledge of financial
planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related
experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of
documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics
requirements in order to maintain the right to continue to use the CFP® marks:
i. Continuing Education – Complete 30 hours of continuing education hours every two
years, including two hours on the Code of Ethics and other parts of the Standards of
Professional Conduct, to maintain competence and keep up with developments in the
financial planning field; and
ii. Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The
Standards prominently require that CFP® professionals provide financial planning
services at a fiduciary standard of care. This means CFP® professionals must provide
financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be
subject to CFP Board’s enforcement process, which could result in suspension or permanent
revocation of their CFP® certification.

CPWA® - Certified Private Wealth Advisor®

The CPWA designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on private wealth management topics and strategies for high-net-worth clients. Prerequisites for the CPWA designation are: a Bachelor's degree from an accredited college or university or one of the following
Designations or licenses: CIMA". CIMC ". CFA°'. CFP®. ChFC". or CPA license; have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements and five years of experience in financial services or delivering services to high-net-worth clients. CPWA designees have completed a rigorous educational process that includes self-study requirements, an in-class education compo and successful completion of a comprehensive examinant on. CPWA designees are required at the University Of Chicago Booth School Of Business to IMCA's Code of Professional Responsibility and Rules and Guidelines for Use of the Marks. CPWA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA).

NSSA Certification
The NSSA certification is to educate advisors about Social Security, thereby increasing their
value to clients. The NSSA® Certificate program begins where other higher priced programs
end like RICP® and CFP®. We focus solely on Social Security education and incorporate client
and advisor experiences in our education.

EA – Enrolled Agent
Minimum Qualifications:
• Obtain a Personal Tax Identification Number (PTIN).
• Apply to take the SEE.
• Achieve passing scores on all three parts which cover every aspect of tax code.
• Apply for enrollment on Form 23.
• Undergo a background check prior to enrollment, which includes a review of your tax
transcript. Failure to timely file or pay taxes can be grounds for denial of enrollment.
• Possess the experience outlined in Circular 230
• Apply for enrollment on Form 23.

Business Background:
02/2022 - Present Investment Adviser Representative
Oak Harvest Investment Services
02/2022 - Present Financial Planner
Oak Harvest Financial Group
03/2021 - 02/2022 Associate Planner
Facet Wealth
01/2018 - 03/2021 Client Service Representative
McKinney Capital Management
08/2012 - 08/2013 Post Adoption Counselor
Great Wall China Adoption
01/2015 - 01/2018 Budget Analyst
Legislative Budget Board
11/2014 - 01/2015 N/A
Unemployed
08/2014 - 11/2014 Public Policy Fellow
Texas CASA
08/2013 - 08/2014 N/A
Student
08/2008 - 12/2012 N/A
Student

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities
Elizabeth Anne Krog is a licensed insurance agent. This activity creates a conflict of interest
since there is an incentive to recommend insurance products based on commissions or other
benefits received from the insurance company, rather than on the client’s needs. Additionally,
the offer and sale of insurance products by supervised persons of Oak Harvest Investment
Services are not made in their capacity as a fiduciary, and products are limited to only those
offered by certain insurance providers. Oak Harvest Investment Services addresses this conflict
of interest by requiring its supervised persons to act in the best interest of the client at all times,
including when acting as an insurance agent. Oak Harvest Investment Services periodically
reviews recommendations by its supervised persons to assess whether they are based on an
objective evaluation of each client’s risk profile and investment objectives rather than on the
receipt of any commissions or other benefits. Oak Harvest Investment Services will disclose in
advance how it or its supervised persons are compensated and will disclose conflicts of interest
involving any advice or service provided. At no time will there be tying between business
practices and/or services (a condition where a client or prospective client would be required to
accept one product or service conditioned upon the selection of a second, distinctive tied
product or service). No client is ever under any obligation to purchase any insurance
product. Insurance products recommended by Oak Harvest Investment Services’ supervised
persons may also be available from other providers on more favorable terms, and clients can
purchase insurance products recommended through other unaffiliated insurance agencies.
Elizabeth Anne Krog is a tax specialist. From time to time, she may offer clients advice or
products from those activities and clients should be aware that these services may involve a
conflict of interest. Oak Harvest Investment Services always acts in the best interest of the client
and clients always have the right to decide whether or not to utilize the services of any
representative of Oak Harvest Investment Services in such individual’s outside capacities.

Item 5: Additional Compensation
Elizabeth Anne Krog is a licensed insurance agent and appointed with various unaffiliated insurance

carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a

commission or renewal payment from the issuer subsequent to a client’s purchase of an

insurance contract. Further information with regard to these other activities may be found in the

directly above section “Other Business Activities.” Whether they are serving a client in one or

more capacities, Oak Harvest representatives will disclose in advance how they are being

compensated and if there is a conflict of interest involving any advice or service being provided.

At no time will there be tying between business practices and/or services; a condition where a

client or prospective client would be required to accept one product or service which is

conditional upon the selection of a second, distinctive tied product or service. The offer and sale

of Insurance products are not made in the associate’s capacity as a fiduciary and is limited to

providers that have agreements to sell with Oak Harvest Insurance Services. No client is ever

obligated to purchase any insurance product. Insurance products may also be available from

other providers on more favorable terms, but OHIS and its associates will always act in the best

interests of the client.

Item 6: Supervision
As a representative of Oak Harvest Investment Services, Elizabeth Anne Krog is supervised by
C. Nathan Kattner, the firm's Chief Compliance Officer. C. Nathan Kattner is responsible for
ensuring that Elizabeth Anne Krog adheres to all required regulations regarding the activities of
an Investment Adviser Representative, as well as all policies and procedures outlined in the
firm’s Code of Ethics and compliance manual. The phone number for C. Nathan Kattner is (281)
822-1350.

This brochure supplement provides information about Eric Luan-Trong Nguyen that
supplements the Oak Harvest Investment Services brochure. You should have received a copy
of that brochure. Please contact Eric Luan-Trong Nguyen if you did not receive Oak Harvest
Investment Services’s brochure or if you have any questions about the contents of this
supplement.
Additional information about Eric Luan-Trong Nguyen is also available on the SEC’s website
at www.adviserinfo.sec.gov.

Oak Harvest Investment Services

Form ADV Part 2B – Individual Disclosure Brochure
for
Eric Luan-Trong Nguyen
Personal CRD Number: 6872918
Investment Adviser Representative

Oak Harvest Investment Services
920 Memorial City Way Suite 150
Houston, TX 77024
(281) 822-1350
[email protected]
UPDATED: 10/27/2023

Item 2: Educational Background and Business Experience

Name: Eric Luan-Trong Nguyen Born: 1993
Educational Background and Professional Designations:
Education:
B.S Supply Chain and Logistics, University of Houston - 2015

To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following
requirements:
• Education – Complete an advanced college-level course of study addressing the
financial planning subject areas that CFP Board’s studies have determined as necessary
for the competent and professional delivery of financial planning services, and attain a
Bachelor’s Degree from a regionally accredited United States college or university (or its
equivalent from a foreign university). CFP Board’s financial planning subject areas
include insurance planning and risk management, employee benefits planning,
investment planning, income tax planning, retirement planning, and estate planning;
• Examination – Pass the comprehensive CFP® Certification Examination. The
examination includes case studies and client scenarios designed to test one’s ability to
correctly diagnose financial planning issues and apply one’s knowledge of financial
planning to real world circumstances;
• Experience – Complete at least three years of full-time financial planning-related
experience (or the equivalent, measured as 2,000 hours per year); and
• Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of
documents outlining the ethical and practice standards for CFP® professionals.
Individuals who become certified must complete the following ongoing education and ethics
requirements in order to maintain the right to continue to use the CFP® marks:
i. Continuing Education – Complete 30 hours of continuing education hours every two
years, including two hours on the Code of Ethics and other parts of the Standards of
Professional Conduct, to maintain competence and keep up with developments in the
financial planning field; and
ii. Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The
Standards prominently require that CFP® professionals provide financial planning
services at a fiduciary standard of care. This means CFP® professionals must provide
financial planning services in the best interests of their clients.

CFP® professionals who fail to comply with the above standards and requirements may be
subject to CFP Board’s enforcement process, which could result in suspension or permanent
revocation of their CFP® certification.

Business Background:
03/2022 - Present Investment Adviser Representative
Oak Harvest Investment Services
03/2021 – 03/2023 Financial Consultant
Fidelity Investments
01/2018 - 03/2021 AVP
49 Financial
09/2014 - 01/2018 Staff Associate
Young Life
09/2012 - 01/2016 Server/Trainer
Pappas Restaurants Inc.
08/2011 - 12/2015 Student
University of Houston

Item 3: Disciplinary Information
There are no legal or disciplinary events that are material to a client’s or prospective client’s
evaluation of this advisory business.

Item 4: Other Business Activities

Eric Luan-Trong Nguyen is a licensed insurance agent. This activity creates a conflict of interest since there is an incentive to recommend insurance products based on commissions or other benefits received from the insurance company, rather than on the client’s needs. Additionally, the offer
and sale of insurance products by supervised persons of Oak Harvest Investment Services are not made in their capacity as a fiduciary, and products are limited to only those offered by certain insurance providers. Oak Harvest Investment Services addresses this conflict of interest
by requiring its supervised persons to act in the best interest of the client at all times, including when acting as an insurance agent. Oak Harvest Investment Services periodically reviews recommendations by its supervised persons to assess whether they are based on an objective
evaluation of each client’s risk profile and investment objectives rather than on the receipt of any commissions or other benefits. Oak Harvest Investment Services will disclose in advance how it or its supervised persons are compensated and will disclose conflicts of interest
involving any advice or service provided. At no time will there be tying between business practices and/or services (a condition where a client or prospective client would be required to accept one product or service conditioned upon the selection of a second, distinctive tied
product or service). No client is ever under any obligation to purchase any insurance product. Insurance products recommended by Oak Harvest Investment Services’ supervised persons may also be available from other providers on more favorable terms, and clients can purchase insurance products recommended through other unaffiliated insurance agencies.

Item 5: Additional Compensation
Eric Luan-Trong Nguyen is a licensed insurance agent and appointed with various unaffiliated insurance

carriers via our insurance agency Oak Harvest Insurance Services, LLC. He receives a

commission or renewal payment from the issuer subseqjuent to a client’s purchase of an