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  Charting Your Course

      Oceanic Capital stands ready to help you    navigate life’s uncharted waters.
      Our advisors will give you the tools to pursue   your financial goals.

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  Clarity and Independent Advice

     Let Oceanic Capital Management LLC, an independent Registered Investment                 Advisory Firm, help you make your plans a reality.

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  Retirement Ready?

     Small changes now can lead to a lifetime of greater independence.

     Our experience, credentials, and expertise provide the confidence you need to                 retire comfortably.

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Trusted Financial Guidance For Middletown And Beyond

Trusted Financial Guidance For Middletown And Beyond

At Oceanic Capital Management LLC, we understand that managing your financial future is about more than just numbers—it's about your dreams, goals, and legacy. As fiduciaries, we're legally obligated to put your interests first, and we happily uphold that standard. Experience the difference of working with professionals who are committed to your financial success!

How We Help

Financial Planning

Financial Planning

At Oceanic Capital, we offer a wide range of services tailored to your unique financial needs. Whether you're planning for retirement, managing investments, navigating a major life transition, or creating a legacy for future generations, our team is here to help.

Retirement Planning

Retirement Planning

Developing customized retirement strategies to help ensure you can maintain your lifestyle and achieve your goals in retirement. We'll help you navigate complex decisions about Social Security, healthcare costs, and sustainable withdrawal strategies.

Investment Management

Investment Management

Creating and managing diversified portfolios aligned with your goals, time horizon, and risk tolerance. We focus on evidence-based investment strategies designed for long-term success.

Estate Planning

Estate Planning

Implementing strategies to efficiently transfer wealth to future generations while aligning with your personal values and financial goals. We collaborate closely with your legal advisors to establish well-structured estate plans that complement your overall financial plan.

Tax Planning

Tax Planning

Focusing on strategies to minimize your tax liabilities and enhance your financial well-being. Our approach integrates with your overall financial plan to create effective solutions that reduce taxes and maximize your investment growth.

Divorce Financial Planning

Divorce Financial Planning

Providing specialized guidance for those going through divorce, helping you understand the long-term implications of settlement options, and creating a financial foundation for your next chapter.

Client Testimonials - See What Our Clients Are Saying About Us

“Whether it was selling my home, handling legal and tax issues, or preparing my business for a potential sale, Oceanic Capital guided me every step of the way. Having an experienced, steady advisor like Tom during these transitions gave me confidence and peace of mind, knowing I wasn’t alone. Tom always gave me options that were easily understandable and credible!”

Marylouise - Client

I have been a client for many years and the care and personal attention received is second to none. This firm is much more than only wealth or capital management. It’s assisting with all significant financial life decisions in a fiduciary objective and balanced manner. There has always been a full time commitment to compliance, quality, education and results. Highly recommend.

Matthew - Client

I've had a great experience working with Thom and Doug at Oceanic Capital Management. They really take the time to understand your financial goals and make everything super easy to grasp. They're both professional and genuinely care about their clients' success. Definitely recommend them if you're looking to get serious about your financial future!

Luke - Partner

The testimonials presented are made by an individual who is a client of Beacon Financial Group and is applicable only to the individuals depicted and may not be representative of the experience of others. The testimonial is not paid, nor have the participants received any non-cash compensation, and are not indicative of future performance or success. The testimonial has been evaluated for conflicts of interest and has not been found to present any conflicts.

What's Your Risk Score?

Understanding your risk tolerance is critical to crafting a financial strategy that suits your comfort level and long-term objectives. Our risk assessment tool can help you gain valuable insights into your personal risk profile, guiding our team in tailoring investment strategies that match your unique financial landscape.

Calculate Your Risk Score

Our Advisors


With over 50 years of combined experience, our team has guided clients through bull and bear markets, economic expansions and recessions, and countless life transitions. We bring this wealth of knowledge and perspective to every client relationship. Meet our advisors.

Douglas J Lyons

Douglas J Lyons, CFP®, CFA®, CDFA®

Thomas H. Yorke

Thomas H. Yorke, CFP®

Our Commitment to You

Our Commitment to You

Fiduciary Standard:

  • We are legally obligated to put your interests first—always.

Local Experience:

  • As members of the Middletown community, we understand the unique financial challenges and opportunities facing local families.

Personalized Approach:

  • We take the time to understand your specific situation, goals, and concerns before making any recommendations.

Transparent Pricing:

  • Our fee structure is straightforward and transparent, with no hidden costs or conflicts of interest.

Ongoing Partnership:

  • Financial planning is a journey, not a one-time event. We'll be by your side through all of life's changes and transitions.

Frequently Asked Questions

What is a fiduciary financial advisor?
A fiduciary financial advisor is legally obligated to act in the best interest of their clients at all times. This is the highest standard of care in the financial industry. At Oceanic Capital, our fiduciary commitment means we avoid conflicts of interest and make recommendations based solely on what's best for you, not what generates the most revenue for us.
How is a Certified Financial Planner (CFP®) different from other financial advisors?
CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. The CFP® certification requires financial advisors to demonstrate competency in financial planning, taxes, insurance, estate planning, and retirement through education, examination, experience, and ethics requirements. Our team's CFP® designations reflect our commitment to excellence and comprehensive financial guidance.
What is your investment philosophy?
We help simplify your financial life by creating well-diversified, low-cost portfolios aligned with your goals, risk tolerance, and time horizon, based on academic research and evidence-based principles. We focus on long-term investing rather than market timing or stock picking, using disciplined portfolio construction and rigorous oversight to ensure broad diversification across industries, sectors, sizes, and geographies. Our ongoing monitoring and strategic adjustments aim to maximize returns, minimize taxes, and keep you on track toward your financial objectives.
How do you charge for your services?
As a fee based advisory firm, we charge a transparent fee based on the assets we manage for you. This aligns our interests with yours—when your investments grow, so does our compensation. We don't receive commissions for managing your investments, eliminating potential conflicts of interest. We may receive a commission based on the type of insurance product recommended.
I'm not located in Middletown. Can I still work with your team?
Absolutely. While we have deep roots in the Middletown and broader Monmouth County area, we work with clients throughout New Jersey and beyond. We can conduct meetings virtually or in person, depending on your preference and location.

Ready to Take the Next Step?

Schedule Your Consultation

Schedule your complimentary consultation today. We'll discuss your financial situation, answer your questions, and explore how our team can help you achieve your goals.

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