Three Oaks Wealth

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Client assets under management

$77,667,901

Clients

51% high-net worth

Advisors

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$853,493

About

Three Oaks Wealth provides financial planning, investment management, and retirement plan and pension consulting to individuals, families, trusts, and employer-sponsored plans. The firm works with both individual and high-net-worth clients and also offers plan sponsor services and participant education for corporate retirement programs.

The firm’s investment approach applies Modern Portfolio Theory and a market-efficiency framework, combining top‑down strategic asset allocation with bottom‑up quantitative and microeconomic security selection across ETFs, mutual funds, individual securities, and alternatives. Portfolios are customized to client objectives and typically managed on a discretionary basis, with an investment-management threshold generally set at $250,000 (waivable) and ongoing reviews at least quarterly.

Three Oaks is notable for its affiliation with an in‑house tax preparation practice, which the adviser discloses and which some staff support in a limited capacity, and for offering public and organizational educational seminars that are explicitly educational rather than individualized advice. The firm also provides retirement-plan fiduciary services (including acting as a 3(21) or 3(38) advisor) and participant education, a combination of services that is less common among similarly sized advisory firms.

Client services

Financial planning Portfolio management Pension consulting Educational seminars or workshops

Expertise

Divorce financial planning College savings (529s, UTMA, etc.) Debt management General estate planning guidance

Fee options

Fixed

Financial planning fees typically range from $5,000 to $45,000 per year; Retirement plan one-time projects range from $500 to $25,000

Percentage

$0 - $500,000: 1.25% $500,000 - $1,000,000: 1.125% $1,000,000 - $2,000,000: 1.00% $2,000,000 - $3,000,000: 0.875% $3,000,000 - $4,000,000: 0.75% $4,000,000 - $5,000,000: 0.625% $5,000,000+: 0.5%

Project-based

$150 - $500 per hour for financial planning; $250 per hour for retirement plan consulting

Other

Account minimum: $250,000 (may be waived at adviser discretion) Minimum fee: Minimum quarterly fee of $1,250 (may be waived at adviser discretion) Fee-only: Firm is fee-only; no commissions are accepted

Main office location

Three Oaks Wealth

2377 Gold Meadow Way, Suite 220

Gold River CA 95670, United States

Number of offices

Most active in

California · Oregon · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Instagram YouTube Website 916-318-4849

Advisors at this firm

Bethany E

Series 65

Gold River, CA

Three Oaks Wealth

Bethany Ely is a financial advisor at Three Oaks Wealth in Folsom, CA, holding a Series 65 designation with two years of industry experience. Her prior roles include positions at Trinity Wealth Advisors with Ameriprise and Twin Rivers Wealth Management, as well as a decade with the Sacramento County Office of Education. Three Oaks Wealth offers financial planning, investment management, and retirement plan consulting to individuals, families, trusts, estates, and business entities. The firm employs a strategy based on modern portfolio theory, combining strategic asset allocation with security selection, and provides an automated ETF investment program through a Schwab institutional platform.

Divorce financial planning College savings (529s, UTMA, etc.) Debt management General estate planning guidance

Sean V

Series 63, Series 65

Gold River, CA

Three Oaks Wealth

Sean Villanueva Barter is a financial advisor at Three Oaks Wealth with Series 63 and Series 65 licenses. He has one year of industry experience, including prior roles at JPMorgan Chase Bank and JP Morgan Securities LLC. Three Oaks Wealth offers financial planning, investment management, automated ETF-based investment programs, and retirement plan consulting to individuals, families, trusts, estates, and business entities. The firm uses a modern portfolio theory approach combining strategic asset allocation with security selection to build customized portfolios and provides fiduciary retirement plan services and educational seminars.

Divorce financial planning College savings (529s, UTMA, etc.) Debt management General estate planning guidance

Grant B

CFP®, CFA®, Series 63

Gold River, CA

Three Oaks Wealth

Grant Bledsoe is a CFP® and CFA® affiliated with Three Oaks Wealth in Gold River, CA, with 11 years of industry experience. He is the founder and principal of Three Oaks Tax, a tax preparation and consulting business launched in 2024. Bledsoe has worked at Three Oaks Business Consulting since 2020 and Three Oaks Capital Management since 2014. Three Oaks Wealth provides financial planning, investment management, and retirement plan consulting to individuals, families, trusts, estates, and business entities. The firm uses a modern portfolio theory approach combining strategic asset allocation with security selection and offers an automated ETF-based investment program through a Schwab institutional platform.

Divorce financial planning College savings (529s, UTMA, etc.) Debt management General estate planning guidance

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