Three Phases Wealth Advisors LLC

Updated today

Find your advisor

Client assets under management

Clients

0% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

About

Three Phases Wealth Advisors serves individual clients, including high‑net‑worth individuals, offering comprehensive financial planning and discretionary investment management along with written financial plans and ongoing advisory relationships. The firm is fee‑only and, as disclosed in its brochure, reported $0 in assets under management as of November 26, 2025 and lists three advisory professionals on its team.

The firm’s approach centers on a tailored planning process that addresses business planning, retirement, tax strategies, equity compensation, college savings, insurance and risk management, and even credit card points optimization; investment work may blend fundamental and technical analysis with both passive and active fund selection and customizable socially responsible options. Clients also receive access to the Monarch Money planning platform and educational courses, videos, and worksheets produced by an affiliated company, Centsei LLC, which the firm provides at no additional cost to support the advisory relationship.

Three Phases is a recently formed, small practice (founded June 2025) that places a notable emphasis on client education: it offers seminars and speaking engagements to groups and integrates Centsei‑created materials into its services, an arrangement the brochure describes in detail and for which the firm states it does not receive compensation. The firm’s founder is also a co‑founder of Centsei LLC and discloses that this outside business activity represents a significant portion of his time, a relationship the brochure highlights and that may distinguish the firm from many peers.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

Equity compensation tax strategy Business sale tax planning College savings (529s, UTMA, etc.) Retirement income strategy

Fee options

Fixed

Initial financial planning fee ranging from $500 to $5,000; seminar fees range from $500 to $3,000

Other

Minimum fee: Initial financial planning fee ranging from $500 to $5,000; ongoing financial planning fixed fee up to $500 monthly or quarterly Fee-only: Ongoing financial planning fees are fixed fees paid monthly or quarterly, no commissions received

Main office location

Three Phases Wealth Advisors LLC

Indian Trail NC, United States

Number of offices

Most active in

North Carolina · Texas · Utah

Disclosures

Business activities & affiliations

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.

Accountant / CPA / tax prep

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

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 Website 801-318-5720

Advisors at this firm

David R

Series 65

Indian Trail, NC

Three Phases Wealth Advisors LLC

David Rawson is a financial advisor at Three Phases Wealth Advisors LLC with a Series 65 credential and one year of industry experience. Prior to joining Three Phases, he has held roles at FranklinCovey providing leadership training and client account management, and he serves as a financial coach at Centsei LLC, where he advises families on strategies to eliminate debt, grow savings, and build wealth. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, with comprehensive financial planning and discretionary investment management. The firm emphasizes tailored planning addressing various financial areas and integrates educational resources from Centsei LLC to support its advisory services.

Equity compensation tax strategy Business sale tax planning College savings (529s, UTMA, etc.) Retirement income strategy

Daniel O

Series 65

Indian Trail, NC

Three Phases Wealth Advisors LLC

Daniel Ockey is a financial advisor with Three Phases Wealth Advisors LLC and holds a Series 65 designation. He has experience managing a personal finance coaching business, Centsei LLC, which he co-founded in 2018 and continues to operate alongside his advisory role. His prior work includes roles at Crisp, Qualtrics, and Brigham Young University. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, providing comprehensive financial planning and discretionary investment management. The firm integrates educational materials from Centsei LLC into its services and combines fundamental and technical investment approaches with options for socially responsible investing.

Equity compensation tax strategy Business sale tax planning College savings (529s, UTMA, etc.) Retirement income strategy

Zachary W

Series 65

Vineyard, UT

Three Phases Wealth Advisors LLC

Zachary Williams is a financial advisor at Three Phases Wealth Advisors LLC with a Series 65 credential and no prior industry experience. He has worked at Centsei LLC since 2024 and has held positions at Intuit, Podium, InMoment, and LaJolla Groves. He is a co-founder of Centsei LLC, which provides educational courses and materials related to financial planning. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, offering comprehensive financial planning and discretionary investment management. The firm emphasizes client education and integrates materials from Centsei LLC into its services, combining fundamental and technical analysis with customizable investment options.

Equity compensation tax strategy Business sale tax planning College savings (529s, UTMA, etc.) Retirement income strategy

Not sure where to start?

We'll help you think it through — whether you ultimately need an advisor or not.

Warmer helps you compare advisors clearly — so you can choose with confidence.

Find your advisor

Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support