# Justin Wai

> Justin Wai is a fee-only financial advisor at Three Oaks Partners Investment Counsel in Lithia, Florida, who holds the CFA credential. Justin focuses on retirement planning and tax planning. Three Oaks Partners Investment Counsel reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/justin-wai/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Three Oaks Partners Investment Counsel
- **Based in:** Lithia, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $6.0M across 57 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning, Tax planning
- **Works with:** Retirees
- **CRD:** 5972414 (https://adviserinfo.sec.gov/individual/summary/5972414)
- **SEC registration:** Investment adviser representative in FL
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://3oakspartners.com/

## Frequently asked questions

### Is Justin Wai a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Justin holds no broker registration, and Three Oaks Partners Investment Counsel reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Justin charge for financial advice?

Justin's firm, Three Oaks Partners Investment Counsel, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Justin Wai based?

Justin Wai is based in Lithia, Florida.

### What does Justin specialize in?

Justin's specialties include retirement planning and tax planning. Justin works with retirees.

### What credentials does Justin Wai hold?

Justin Wai holds the CFA credential.

### Is Justin Wai registered with the SEC?

Yes. Justin Wai is registered as an investment adviser representative in FL (CRD 5972414), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Three Oaks Partners Investment Counsel manage?

Three Oaks Partners Investment Counsel reports $6.0M across 57 accounts in assets under management.

### How do I contact Justin Wai?

Through Justin's website, 3oakspartners.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5972414): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.3oakspartners.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.