John Chiacchiero
Managing Director & Partner
John Chiacchiero is a Managing Director and partner of Oak Advisors, LLC. He received his Bachelor of Arts in Finance from Mount Union College in Alliance, Ohio. He also holds a Master of Business Administration from Miami University in Oxford, Ohio. In 2005, with business partner Michelle Myhre, CFP®, he co-founded Oak Advisors, LLC which provides financial planning and investment management.
John, a licensed Investment Advisor Representative, has advised clients in a fiduciary capacity since 1997. He focuses on helping those in retirement and those approaching retirement create strategies to help them meet their goals. He is a member of the Community Foundation of the Lowcountry’s Professional Advisor Society and committee member of the Oak Advisors, LLC Scholarship of Excellence. He serves as Chairman for the Technical College of the Lowcountry Foundation and has also served on the Vestry at St. Luke’s Church on Hilton Head Island.
In the past, he has served as a university lecturer with the University of South Carolina-Beaufort and HOSTA College in Switzerland. In 2003, he was featured in the book, The Trust Equation, regarding his views on the Wealth Management Process. He has held management positions in service-oriented businesses and is the former Director of Training for Hilton Hotels.
Originally from Ohio, John moved to Hilton Head Island in 1984.
Michelle Myhre, CFP®
Managing Director & Partner, CFP®
For Michelle A. Myhre, CFP® and Managing Director & partner of Oak Advisors, helping clients fulfill their financial and retirement goals is very rewarding. She approaches each client with an emphasis on professionalism, expertise, while maintaining a down to earth, honest approach. Michelle recognizes that people have different complex financial needs that benefit from a comprehensive approach. In 2005, she co-founded Oak Advisors, LLC with business partner John Chiacchiero to address this need by providing comprehensive financial planning and investment management services.
With more than 30 years of experience working with individual clients, she is prepared to provide a vast array of financial solutions. Michelle will analyze a client’s financial situation, recommend changes for improvement, and assist with achievement of financial goals through both short and long term strategies.
Michelle’s primary focus is to develop customized investment portfolios while taking a comprehensive approach to wealth management. She considers all aspects of planning including cash flow retirement, tax, estate and charitable planning. Michelle holds the Certified Financial Planner designation (CFP®) and is a licensed Investment Advisor Representative. She is a graduate of the University of Rhode Island and the College for Financial Planning where she completed the CFP® curriculum as well as tax planning courses. She is also a member of the Financial Planning Association.
Michelle is very active in the community and volunteers at St. Gregory the Great and Holy Family Catholic Church. She is a member of the Professional Advisor Society for the Community Foundation of the Lowcountry, as well as, a committee member for the Oak Advisors, LLC Scholarship of Excellence. She has also served on various boards for local schools, Robinson-Grant Accounting firm and fundraising for various charities.
Michelle has been featured on CNBC, The Senior Channel, USA Today, the Island Packet and Hilton Head Monthly. Wall Street Journal Digital recognized Michelle for providing quality service to her clients. She resides on Hilton Head Island, SC and enjoys spending time with her family, the outdoors, traveling, music, cooking and charitable outreach.
Al Cerrati
Senior Advisor
Al Cerrati is Senior Advisor for Oak Advisors, LLC, specializing in investment planning, asset allocation, asset management, retirement planning, and risk management. Previously he was part of the Wealth Management Group of a local investment advisory firm and Lighthouse Investment Advisors.
When he relocated to Hilton Head Island in 1975, Al initially pursued a career with the Sea Pines Company in marketing and selling commercial properties. In 1986, he formed his own company to operate a real estate business engaged in providing consulting services, leasing, and management for commercial projects in resort oriented communities in the Southeast. With over 40 years of real estate and investment experience Al enjoys sharing this expertise with his clients.
Al’s investment philosophy is to preserve and grow client portfolios over time by emphasizing investment strategies that are customized to provide growth and income needs balanced by risk and return criteria consistent with a client’s established investment guidelines.
Al attended New York University where he earned a Masters in Business Administration in Corporate Finance. Prior to receiving his MBA, he attended Rensselaer Polytechnic Institute and graduated with a degree in Electrical Engineering. Al resides in Sea Pines Plantation with his wife Karen.
Heidi Yoshida, CFP®
Senior Client Service Advisor, CFP®
Heidi Yoshida, CFP® serves the firm as a Senior Client Service Advisor and Certified Financial PlannerTM. She has over 20 years of experience working with individual clients in addition to extensive operations experience both in institutional and retail financial services.
Heidi works directly with clients to develop financial plans that assess a client’s overall financial circumstances including assets, risk tolerance and time horizon in order to establish favorable outcome to their goals. Her primary focus is on retirement planning, investment management, assistance with estate settlement and charitable gift strategies.
Ms. Yoshida holds a Bachelor of Science in Resource Economics from Cornell University and a Master of Arts in Japanese language from San Francisco State University. She worked as a translator and interpreter of Japanese and a teacher of ESL in Japan prior to entering the financial services industry.
Heidi has resided in Bluffton with her extended family for over 20 years and is active in the community.
Sarah Huie, CFP®
Client Service Advisor, CFP®
Sarah is a dedicated and passionate CERTIFIED FINANCIAL PLANNING® professional who has been a valued member of the Oak Advisors team since 2020. As a Client Service Advisor, Sarah is committed to providing exceptional financial planning services, helping clients navigate the complexities of managing their finances to achieve their personal and professional goals.
With a passion for financial planning, Sarah takes pride in guiding clients through comprehensive strategies that align with their unique needs. Whether it is creating a roadmap for retirement, managing cash flow or planning for future milestones, she works to ensure that every client feels confident and empowered about their financial future.
Ms. Huie holds a Bachelor of Science in Financial Management with an emphasis in Financial Planning and a minor in Accounting from Clemson University. Outside of work, Sarah is a committed leader within the financial planning community, serving as Membership Chair on the Board of Directors for the Financial Planning Association of South Carolina. Through this role she helps foster growth and engagement among financial planning professionals across the state.
Sarah resides in Bluffton, SC with her husband, Josh, and in her free time enjoys running and working on her golf game.
Kevin Myhre
Client Service Assistant
Since February 2021, Kevin Myhre has been serving the firm as Client Service Assistant. He graduated Magna Cum Laude from the College of Charleston and holds a BS in Business Administration.
Mr. Myhre continuously brings a joyful attitude to his role in supporting operations and advisory staff. He resides on Hilton Head Island, SC and in his free time can be found performing and writing music.