# Three Oaks Wealth

> Three Oaks Wealth is an SEC-registered investment advisory firm in Gold River, CA, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 1, 2026.

- CRD: 171082
- Filed as: THREE OAKS WEALTH
- Legal name: Three Oaks Capital Management, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Gold River, CA
- Filing period: October 2026
- Form ADV filing dated: September 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/171082
- AdvisorCensus page: https://advisorcensus.com/firm/three-oaks-wealth-gold-river-ca-171082

## Quick answers

**How is Three Oaks Wealth compensated?**
On its Form ADV (Item 5.E, October 2026), Three Oaks Wealth reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Three Oaks Wealth charge?**
Its Form ADV Part 2A brochure dated July 21, 2026 states: Flat fee: $500 to $25,000 (One-time Retirement Plan & Pension Consulting Services); Hourly rate: $250 an hour (Retirement Plan & Pension Consulting Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Three Oaks Wealth located?**
Three Oaks Wealth's principal office is in Gold River, CA, according to its Form ADV; the October 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Three Oaks Wealth registered with the SEC or a state?**
Three Oaks Wealth is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 171082.

**How much does Three Oaks Wealth manage?**
Three Oaks Wealth reports $100,005,394 in regulatory assets under management in its Form ADV filing dated September 1, 2026 (100% discretionary).

**What types of clients does Three Oaks Wealth serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (46); individuals (other than high net worth individuals) (43); pension and profit sharing plans (but not the plan participants or government pension plans) (11).

**Which custodians does Three Oaks Wealth use?**
Three Oaks Wealth's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Three Oaks Wealth report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/171082

**What changed in Three Oaks Wealth's recent Form ADV filings?**
In the October 2026 filing data: Employees performing advisory functions went from 2 to 3.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated July 21, 2026)

- Flat fee: $500 to $25,000 (One-time Retirement Plan & Pension Consulting Services)

> One-time projects are assessed a flat fee, varying from $500 - $25,000, or billed at an hourly rate of $250.

- Hourly rate: $250 an hour (Retirement Plan & Pension Consulting Services)

> One-time projects are assessed a flat fee, varying from $500 - $25,000, or billed at an hourly rate of $250.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $100,005,394
- Discretionary: $100,005,394
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 43 | $13,628,573 |
| High net worth individuals | 46 | $72,540,474 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 11 | $13,836,347 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2026 (0 years)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, OR, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Lake Oswego, OR

### Websites listed on Form ADV (Item 1.I)
- threeoakswealth.com
- Facebook @threeoakswealth
- Instagram @threeoakswealth
- LinkedIn @three-oaks-wealth
- YouTube @ThreeOaksWealth

## Changes in the filing (last 12 months)

### October 2026
- Employees performing advisory functions went from 2 to 3.

### September 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Three Oaks Wealth (CRD 171082): Form ADV filing data as of October 2026.