Three Oaks Advisory Group
Three Oaks Advisory Group is a fee-only registered investment advisor providing wealth management, investment consulting, and financial planning to high-net-worth individuals, professionals, entrepreneurs, and clients in major life transitions across the United States, operating from Richardson, TX and Walnut Creek, CA.
- Company typePrivate
- Founded2004
- HeadquartersRichardson, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Three Oaks Advisory Group does
Three Oaks Advisory Group is a fee-only registered investment advisory firm delivering wealth management, investment consulting, and financial planning services to high-net-worth individuals, professionals (physicians, attorneys), entrepreneurs, and individuals navigating major life transitions including retirement, divorce, and bereavement. The firm operates through a Discovery-Design-Implementation engagement model with ongoing relationship management, and is structured as an RIA through a regulatory partnership with Apeiron RIA, LLC. Its service portfolio spans asset allocation and risk evaluation, tax and cash-flow planning, estate and wealth transfer planning, education planning, charitable giving, and family office services delivered in collaboration with outside tax, legal, and banking professionals.
The firm is led by founders Philip Athey and Adam Keller, both CFP-designated with 20+ and 19+ years respectively in financial planning, supported by an approximately nine-person team including CFP, AEP, CRPC, CDFA, ABFP, and FPQP credentialed advisors and paraplanners. Three Oaks maintains two physical offices in Richardson, Texas (headquarters) and Walnut Creek, California, and serves clients nationally. The underlying technology stack is entirely standard for the RIA industry: Orion or eMoney for financial planning, the Schwab custodial platform following the TD Ameritrade transition, Zoom for virtual meetings, and an emaplan-powered client portal. No proprietary technology, models, or AI systems are developed in-house.
The business model is subscription-recurring fee-only advisory, generating revenue through investment advisory fees likely tied to assets under management and flat-fee financial planning engagements. Pricing is not publicly disclosed; prospective clients must schedule consultations. The firm does not use external capital, has no disclosed funding rounds, no acquisitions, and no M&A activity. Customer acquisition relies on consultative relationship-driven sales augmented by content marketing (quarterly seasonal newsletter, virtual town halls on tax and estate planning), LinkedIn presence, community involvement, and referrals.
Three Oaks Advisory Group firmographics
Firmographics- Name
- Three Oaks Advisory Group
- Legal name
- Three Oaks Advisory Group
- Website
- https://threeoaksadvisory.com
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Three Oaks Advisory Group is a fee-only registered investment advisor providing wealth management, investment consulting, and financial planning to high-net-worth individuals, professionals, entrepreneurs, and clients in major life transitions across the United States, operating from Richardson, TX and Walnut Creek, CA.
- Ownership category
- akta.pro rank
Three Oaks Advisory Group industry classification
Industry- Product category
- Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940), Trusts, Estates, and Agency Accounts (52592)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)
- akta.pro secondary industries
- Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Estate & Legacy Planning Advisory (FSAEAAAG), Family Office Advisory (Single/Multi-Family) (FSAEAAAI)
Keywords
Where Three Oaks Advisory Group is headquartered
LocationHeadquarters
- HQ city
- Richardson
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Three Oaks Advisory Group business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Investment Advisory Fees: Fee-only registered investment advisor offering investment management, financial planning, and wealth advisory services. Operates through Apeiron RIA, LLC. Revenue is generated through advisory fees, likely based on assets under management (AUM) or flat fees for planning services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Fee-only advisory services - custom pricing based on client needs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Three Oaks Advisory Group product offering
Product offeringCore offering
Three Oaks Advisory Group is a fee-only registered investment advisory firm that provides comprehensive wealth management services to individual clients. Core offerings include Investment Consulting (asset allocation, risk evaluation, employer benefits assessment), Wealth Planning (tax and cash-flow planning, wealth transfer, estate planning, charitable giving, family office services), and ongoing Relationship Management. The firm also delivers specialized services in Retirement Planning, Education Planning, and Estate Planning through a consultative Discovery-Design-Implementation process.
Product overview
Three Oaks Advisory Group offers a unified wealth management platform providing investment consulting, wealth planning, and relationship management services. Their core offerings include Investment Consulting (asset allocation, risk evaluation), Wealth Planning (tax and cash-flow planning, estate planning, charitable giving), and ongoing Relationship Management through regular reviews and professional collaboration. Additional specialized services include Education Planning, Retirement Planning, and Family Office Services delivered through partnerships with tax, legal, and banking professionals. The firm also provides educational content through their Seasonal Newsletter.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Management Solutions Comprehensive wealth management service encompassing investment consulting, wealth planning, and relationship management for individual clients seeking personalized financial guidance.
- Investment Consulting
- Wealth Planning
- Relationship Management
- Retirement Planning
- Education Planning
- Estate Planning
- Family Office Services
Companies that use Three Oaks Advisory Group
Customer profileSegments3 records
Ideal customer profiles3 records
Three Oaks Advisory Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Three Oaks Advisory Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Apeiron RIA, LLCcoreThree Oaks Advisory Group operates as a registered investment advisor under Apeiron RIA, LLC. This is a supervisory/regulatory relationship where investment advisory services are offered through Apeiron, indicating Three Oaks functions as an advisor within the Apeiron RIA network.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Three Oaks Advisory Group competitors and assessment
Company assessmentBroad incumbents
- Creative Planning: One of the largest independent fee-only RIAs in the U.S., providing wealth management, estate planning, tax and family office services to HNW individuals — same fee-only philosophy and comprehensive service suite as Three Oaks, with substantially greater scale and brand.
- Fisher Investments: Large investment management firm primarily serving HNW individuals and institutions with portfolio management and financial planning — competes for the same HNW client set though with a more centralized investment process.
- Edelman Financial Engines: Large hybrid RIA combining digital advice with human advisors, serving mass-affluent and HNW clients including professionals and business owners — overlaps Three Oaks' target segments with a more technology-enabled delivery model.
- Mariner Wealth Advisors: Large fee-only RIA ($70B+ AUM) offering investment advisory, financial planning, estate, tax and family office services to HNW clients — same business model and service breadth as Three Oaks, but at much greater scale.
Emerging players
- Wealthfront: Automated investment and financial planning platform targeting younger HNW and mass-affluent investors — represents the technology-driven competitive threat to fee-only RIAs like Three Oaks that rely on higher-touch advisory relationships.
- Empower (Personal Capital): Tech-enabled wealth management platform combining digital tools with human advisors, serving HNW and mass-affluent investors — a credible substitute for Three Oaks' comprehensive planning service, especially for tech-comfortable clients.
- Facet Wealth: Digital-first fee-only RIA offering flat-fee financial planning and investment management to HNW and mass-affluent clients — competes directly for Three Oaks' professional/entrepreneur clients with a lower-cost, tech-enabled delivery model.
Others
- LPL Financial: Largest independent broker-dealer in the U.S. providing RIA custody, compliance, and technology infrastructure to thousands of advisory firms — analogous to the platform/hosting role that Apeiron RIA plays for Three Oaks.
Direct peers
- Savant Wealth Management: Fee-only RIA serving individuals, families, and HNW clients with comprehensive wealth management and financial planning — directly overlapping Three Oaks' service model and target client profile.
- Carson Wealth: Fee-only RIA operating through a platform/affiliation model similar to Apeiron RIA; serves HNW clients with comprehensive planning, investment management, and tax coordination — closely aligned with Three Oaks' structure and offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Three Oaks Advisory Group social profiles
Digital presenceThree Oaks Advisory Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Three Oaks Advisory Group leadership team
Management profileNumber of profiles
Profiles4 records
Three Oaks Advisory Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Three Oaks Advisory Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Three Oaks Advisory Group
What does Three Oaks Advisory Group do?
Three Oaks Advisory Group is a fee-only registered investment advisory firm that provides comprehensive wealth management services to individual clients. Core offerings include Investment Consulting (asset allocation, risk evaluation, employer benefits assessment), Wealth Planning (tax and cash-flow planning, wealth transfer, estate planning, charitable giving, family office services), and ongoing Relationship Management. The firm also delivers specialized services in Retirement Planning, Education Planning, and Estate Planning through a consultative Discovery-Design-Implementation process.
Is Three Oaks Advisory Group a public or private company?
Three Oaks Advisory Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Three Oaks Advisory Group founded?
Three Oaks Advisory Group was founded in 2004. It employs 1 to 10 people.
Where is Three Oaks Advisory Group based?
Three Oaks Advisory Group is headquartered in Richardson, United States, in the North America region.
How does Three Oaks Advisory Group make money?
One revenue line is on record: investment Advisory Fees.
Who are Three Oaks Advisory Group's main competitors?
Broad incumbents on record are Creative Planning, Fisher Investments, Edelman Financial Engines and Mariner Wealth Advisors. Emerging players are Wealthfront, Empower (Personal Capital) and Facet Wealth. LPL Financial is listed as an others. Direct peers are Savant Wealth Management and Carson Wealth.
Does Three Oaks Advisory Group have an API?
No public API is recorded for Three Oaks Advisory Group.
What industry is Three Oaks Advisory Group in?
Three Oaks Advisory Group's product category is Wealth Management. Its primary akta.pro industry code is FSAAABAD, Advisory Portfolio Management (Non-Discretionary), with a secondary code of FSAEABAE, Employer Retirement Plan Advisory (401(k)/Pension). Its NAICS code is 523940 and its SIC code is 6282.