Three Phases Wealth Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Initial financial planning fee ranging from $500 to $5,000; seminar fees range from $500 to $3,000
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
See officeIndian Trail NC
Advisors at this office
2
Most active in
Nebraska · North Carolina · Texas · Utah
Also doing business as
Centsei Investment Advisors LLC · Three Phases Wealth Advisors LLC · Three Phases Wealth Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Forms ADV
Quick links
Advisors at this firm
David R
Series 65
Indian Trail, NC
Three Phases Wealth Advisors LLC
David Rawson is a Series 65-licensed financial advisor with one year of experience, currently serving at Three Phases Wealth Advisors LLC. Prior to this, he has held roles at FranklinCovey and Centsei LLC, where he is also involved as a financial coach providing personal finance guidance. Outside of his advisory role, Rawson works in leadership training at FranklinCovey. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, offering comprehensive financial planning and discretionary investment management. The firm emphasizes tailored planning that covers a wide range of financial topics and integrates educational resources and materials from Centsei LLC into its services.
Daniel O
Series 65
Indian Trail, NC
Three Phases Wealth Advisors LLC
Daniel Ockey is a financial advisor at Three Phases Wealth Advisors LLC with a Series 65 designation and one year of industry experience. He has worked at Crisp, Qualtrics, and served as an owner and co-founder of Centsei LLC, a personal finance coaching business, since 2018. He manages a team of coaches and independent contractors in that role, dedicating a significant portion of his time to the business. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, providing comprehensive financial planning and discretionary investment management through a fee-only model. The firm emphasizes a tailored planning process covering various financial topics and integrates educational resources from Centsei LLC at no additional cost to clients.
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 designation and one year of industry experience. Prior to joining Three Phases, he worked at Centsei LLC, Intuit, Podium, and InMoment. He is also a co-founder of Centsei LLC, which provides educational courses and planning materials that support his advisory work. Three Phases Wealth Advisors serves individual clients, including high-net-worth individuals, offering comprehensive financial planning and discretionary investment management. The firm emphasizes tailored planning and client education, integrating resources from Centsei LLC into its services without additional cost.
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