Turlock, CA Office

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.