Indian Trail, NC Office

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.