Three Oaks Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$86,169,047
Clients
89
Advisors
3
across 2 offices
About
Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, providing comprehensive financial planning, discretionary investment management, and retirement plan/pension consulting. The firm manages roughly $100 million in discretionary assets with a small advisory team and offers both bespoke portfolios and plan-level services.
The firm’s investment process applies modern portfolio theory with a top‑down strategic asset allocation supplemented by bottom‑up security and fund selection, using ETFs, mutual funds, individual securities and, when appropriate, alternatives or options to build diversified portfolios. Clients receive customized asset allocations, regular account reviews, and the firm commonly acts with discretionary authority to implement changes consistent with each client’s risk profile and financial plan.
Three Oaks is affiliated with a separate tax-preparation entity (Three Oaks Tax, Inc.), and representatives may provide or refer tax-preparation services while disclosing that clients are not required to use that firm; that affiliation and the ability to waive tax-preparation fees are less common among peers. The firm also offers educational seminars and speaking engagements for groups on general financial topics and has recently registered with the SEC; its advisors hold advanced professional credentials (CFA, CFP, Enrolled Agent, AIF) and provide fiduciary retirement-plan services including 3(21) and 3(38) roles.
Client services
Expertise
Fee options
Financial planning fees range from $5,000 to $45,000 per year; retirement plan one-time project fees from $500 to $25,000; educational seminars from $0 to $10,000 per seminar or $0 to $500 per participant
$0 - $500,000: 1.250% Amount over $500,000 - $1,000,000: 1.125% Amount over $1,000,000 - $2,000,000: 1.000% Amount over $2,000,000 - $3,000,000: 0.875% Amount over $3,000,000 - $4,000,000: 0.75% Amount over $4,000,000 - $5,000,000: 0.625% Amount over $5,000,000+: 0.5%
$150 to $500 per hour for financial planning, $250 per hour for retirement plan consulting
Account minimum: $250,000 (waivable at adviser discretion) Minimum fee: Minimum quarterly fee of $1,250 for investment management, may be waived at adviser discretion Fee-only: Firm is fee-only; no commissions accepted
Main office
See office2377 Gold Meadow Way, Suite 220
Gold River CA 95670
Advisors at this office
2
Offices (2)
Most active in
Oregon · Texas
Also doing business as
Three Oaks Capital Management · Three Oaks Capital Management, LLC · Three Oaks Wealth
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Karmjit B
Series 65
Turlock, CA
Three Oaks Wealth
Karmjit Bath is a Series 65-licensed advisor at Three Oaks Wealth with one year of industry experience. Prior to joining Three Oaks Wealth, Bath held roles at MLOA, TOR Wealth Advisor, and Intel Corporation. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm uses a strategic, research-driven investment process combining top-down asset allocation and bottom-up security selection to build diversified portfolios.
Bethany E
Series 65
Gold River, CA
Three Oaks Wealth
Bethany Ely is a Series 65-licensed financial advisor with three years of industry experience, currently with Three Oaks Wealth in Gold River, CA. Her prior roles include positions at Trinity Wealth Advisors with Ameriprise and Twin Rivers Wealth Management. Outside of advisory work, she has experience in real estate and education through her time with Witham Real Estate and the Sacramento County Office of Education. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning, discretionary investment management, and retirement plan consulting. The firm employs a modern portfolio theory approach combined with strategic asset allocation and security selection to create diversified portfolios tailored to client risk profiles.
Grant B
CFP®, CFA®, Series 63
Gold River, CA
Three Oaks Wealth
Grant Bledsoe is a CFP® and CFA® with 12 years of industry experience, currently serving as an advisor at Three Oaks Wealth in Gold River, CA. He has been involved with Three Oaks Capital Management since 2014 and founded Three Oaks Business Consulting in 2020. In addition to his advisory work, Grant launched Three Oaks Tax in 2024, providing tax preparation and consulting services. Three Oaks Wealth serves individuals, families, trusts, estates, and employer-sponsored retirement plans, offering comprehensive financial planning and discretionary investment management. The firm employs a modern portfolio theory-based approach, combining top-down strategic asset allocation with bottom-up security selection to build diversified portfolios tailored to clients’ risk profiles.
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