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Our Clients


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Our Clients


 
 

Our Clients

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We work with business owners, physicians, attorneys, and professionals from all age groups.  Unlike most traditional financial planning firms, we enjoy working with people who are still building wealth in addition to those who already have wealth.

 
 
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Small Business Owners


Small Business Owners


 

Business Owners

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Business owners take a higher risk approach to their careers.  The rewards of owning a business can be wonderful, but the path to success is stressful and fraught with potential pitfalls.  At Three Oaks Capital we understand what it's like to be in your shoes.  Our customized financial planning services help you take advantage of the unique opportunities that come with business ownership.  We help small business owners maximize potential tax benefits, minimize risk, utilize the best fitting company retirement plan, and align their business with their long term financial objectives.

Typical Issues We Assist With

• Budgeting & dealing with inconsistent cash flow
• Managing credit
• Company retirement plan selection & integration with personal goals
• Insurance & risk management
• Tax minimization strategies

 
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Small Businesses


Small Businesses


 

Small Businesses

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Workplace retirement plans can be a wonderful benefit for small business employees.  It can also be a powerful way for small business owners to build their personal wealth.  Unfortunately, the options are somewhat limited.  The marketplace for small business retirement plans is dominated by large national companies offering "bundled" all-in-one packages.  This arrangement can be convenient, but also more confusing, costly, and rigid.

Three Oaks Capital offers "open architecture" small business retirement plans.  This frees us to construct customized plans for our small business clients and hand pick the best service providers for their needs.  This structure gives us the ability to choose from thousands of potential investment options, as opposed to a few hundred offered in a bundled plan.  This format is transparent, easy to understand, and often far less expensive than competing bundled packages.

Typical Issues We Assist With

• Plan design & management
• Investment selection & monitoring
• Benchmarking reviews
• Participant education

 
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Physicians


Physicians


 

Physicians & Medical Professionals

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Medical professionals often struggle with unique financial challenges.  The cost of education is extremely high, meaning most enter their profession with a sizable amount of debt.  You may be highly compensated once you enter the workforce, but how will you balance student debt repayments with contributions to your retirement account?  And how can you maximize the advantage of tax deferred savings? 

At Three Oaks Capital we help medical professionals navigate these financial challenges throughout their careers.  Rather than spend their time mastering the finer points of personal finance, this guidance frees our clients to hone their craft and enjoy their families, passions & hobbies. 

You set the direction, we handle the details.

Typical Issues We Assist With

• Undergrad & medical school debt management
• Cash flow & budgeting
• Disability, malpractice & other risk management
• Backdoor Roth IRA conversions
• Home purchases using doctor loans

 
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Attorneys


Attorneys


 

Attorneys

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New lawyers often find themselves balancing a significant amount of student loan debt with a modest compensation in the early stages of their career.  Then after gaining some experience and honing their craft, attorneys often enter a partnership track or go out on their own.  Finding room in the budget to simultaneously pay down debt, build retirement savings, and fund a path to ownership can be challenging. 

Three Oaks Capital helps attorneys organize and manage their finances as their careers grow and evolve.  We help clients manage student loan debt, save for retirement, and make smart choices with benefits and their career path so they can focus on practicing law.

Typical Issues We Assist With

• Undergrad & law school debt management
• Dealing with low or inconsistent cash flow
• Retirement plan contribution & investment selection
• Maximizing the value of employment benefits
• Partnership track or launching a new practice

 
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Approaching Retirement


Approaching Retirement


 

Approaching Retirement

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Transitioning into retirement is likely the biggest financial adjustment you'll make in your life.  But knowing how much you'll need to accumulate in order to retire is a tricky question.  How long will you live?  What will your living and health care expenses be in the future?  How much can you safely withdraw from your nest egg each year?

At Three Oaks Capital, we help people just like you make successful retirement transitions.  We help you develop and execute a comprehensive plan that covers all aspects of your financial life, and has a very high probability of succeeding based on stress testing and decades of capital market history.  You tell us where you want to go, we'll help you get there.

Typical Issues We Assist With

• Retirement income planning
• Tax minimization & account withdrawal strategies
• Social security strategy
• Health & long term care management
• Estate & legacy planning

 
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Young Professionals


Young Professionals


 

Young Professionals

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As a young professional you might find yourself tackling many personal finance problems for the very first time.  Signing up for the right health benefits at work, deciding how much to contribute to the company retirement plan, and deciding whether to buy or lease a car can seem daunting.  Three Oaks works with young professionals across the country to help them make good financial decisions and avoid making major mistakes.  We work with people trying to build wealth, not just those who already have it.

Typical Issues We Assist With

• Student debt management
• Cash flow & budgeting
• Retirement plan contribution and investment selection
• Assessing mortgage options
• Buying vs. leasing an auto