Broker Check
Client Login

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.


Book a Meeting

Clarity and Independent

Advice

Let Oceanic Capital Management LLC, an independent Registered Investment

Advisory Firm, help you make your plans a reality.

Get Started

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.

Let's Discuss

Fiduciary Financial Advisors & Certified Financial Planners Located in Red Bank & Serving Monmouth County, NJ.

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 & Wealth Management Services in Monmouth County

Oceanic Capital is an independent Registered Investment Advisory firm and fee-based fiduciary whose CFP® (Certified Financial Planner) professionals provide financial planning, retirement planning, and wealth management for families and businesses in Red Bank, Middletown, and across Monmouth County.

Financial Planning

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

Financial Planning & Wealth Management Services in Monmouth County

Oceanic Capital an independent Registered Investment Advisory firm and fee-based fiduciary whose CFP® (Certified Financial Planner) professionals provide financial planning, retirement planning, and wealth management for families and businesses in Red Bank, Middletown, and across Monmouth County.

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 Oceanic Capital Management 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.

Home Office in Red Bank, New Jersey

Areas We Serve

Our home office is in Red Bank, New Jersey, and we proudly serve the surrounding areas, including Middletown, Monmouth County, and Ocean County. We provide fiduciary financial planning, retirement, and investment guidance to families and business owners throughout the region.

Red Bank
New Jersey
Home Office
Middletown
New Jersey
Rumson
New Jersey
Fair Haven
New Jersey
Little Silver
New Jersey
Holmdel
New Jersey
Colts Neck
New Jersey
Spring Lake
New Jersey
Sea Girt
New Jersey
Bay Head
New Jersey
Mantoloking
New Jersey
Spring Lake Heights
New Jersey

…and All of Monmouth & Ocean County

Our roots run deep across the entire region. From the Bayshore to the beach towns and everywhere in between. Wherever you are in Monmouth or Ocean County, we're nearby and ready to help, with in-person and virtual meetings available.

Meet Your Advisors

The People Behind Your Plan

With over 50 years of combined experience, our advisors have guided clients through bull and bear markets and countless life transitions. Get to know the team you’ll be working with.

Douglas J Lyons, CFP®, CFA®, CDFA®
Douglas J Lyons, CFP®, CFA®, CDFA®
Managing Director

Doug brings more than 30 years of experience helping clients pursue their goals through tailored, comprehensive wealth management. He previously served as Executive Director of Private Wealth Consultants at UBS and was part of Merrill Lynch’s High Net Worth planning team. A longtime Bay Head resident, he enjoys tennis, sailing, surfing, and golf.

View full profile → Thomas H. Yorke, CFP®
Thomas H. Yorke, CFP®
Managing Director

Tom is a seasoned professional with over 30 years of institutional and retail investing experience, specializing in financing, fixed income, and portfolio diversification. His Wall Street career spans EF Hutton, Lehman Brothers, and Refco Securities. A lifelong Monmouth County resident, he is active in charitable causes including Clean Ocean Action.

View full profile →
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.

DO YOU HAVE ANY QUESTIONS?

Thank you!
Oops!