San Diego, CA Office

ProsperiTea Planning serves individuals and families across a range of wealth levels, offering holistic financial planning, discretionary portfolio management, and integrated tax planning and preparation. The firm combines ongoing investment advice with a retained tax practice, providing tax-return preparation and related services under separate engagement structures as part of many client relationships.

The firm’s investment process is built around a written Investment Policy Statement, strategic asset allocation, periodic rebalancing, and tax-aware decisions such as tax-loss harvesting and asset-location considerations. Clients engage through an annual retainer relationship that includes year‑round planning support and online tools for portfolio and financial-plan monitoring, and the firm performs operational tax tasks for clients (including making quarterly estimated tax payments electronically).

What distinguishes the firm from many peers is its affiliation with an accounting practice and a multi-credential advisory team (CPA, CFA, CFP) that deliberately blends tax work with investment advice, and its choice to charge a fixed annual retainer model instead of percentage-of-assets fees. The firm also maintains an uncommon no‑charge arrangement for certain young relatives of retained clients and periodically offers educational seminars and workshops, practices that are less typical among supported firms.