The theme of this year’s Annual Report is a famous quote from Ernest Hemingway, “True nobility is being superior to your former self.” We chose that because it is so consistent with one of Oxford’s central values—never stop improving.

More than 42 years after the inception of the Oxford Brand, our Founder’s philosophy is more present than ever. From the continual enhancement of the firm’s services to our new offices in Palm Beach and Atlanta to our ongoing focus on hiring the best and brightest talent in the industry, Oxford is unwavering in our commitment to our clients, advisor friends and partners—and our drive to exceed our clients’ expectations, indefinitely.

The opposition our founders encountered in the early years never seemed insurmountable, nor does it today. We embrace the teaching moments that allow our organization to get better and perform at a higher level of execution. We see each of these moments as critical in achieving our desire to keep growing, keep improving and keep innovating.

The firm started with nothing: literally a financial statement equity balance of $1,000. However, we did possess invaluable qualities: vision, perseverance, hope for the future and an extraordinary ability to work tirelessly. As many of the readers of this Annual Report well know, with “nothing to lose” and determination to overcome challenges, Oxford went on to set the standard as a fee-only firm (not fee-based, which means fees and commissions). We believe Oxford has become a benchmark in terms of quality and prestige in a world of complicated financial arrangements between the client and their financial advisor. We are blessed to be a national firm with Midwestern roots, offering our clients a fee-only, fiduciary approach with no conflicts of interest.

We are so thankful for you, our clients, advisor friends, colleagues and partners, each of whom made us and continue to make us a success. Thank you again for your business and your support. You drive everything we do and we are truly grateful!