Prosperity Planning and Advisory, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personalized financial planning and non‑discretionary investment guidance to individuals, families, high‑net‑worth clients, and small business owners. Services include comprehensive and project‑based planning, retirement and education planning, ESG and tax‑aware considerations, one‑time consultations, and an estate‑planning facilitation service delivered through a third‑party interactive platform; the firm also offers educational seminars and workshops.
Its investment approach is goals‑driven and long‑term oriented, emphasizing strategic asset allocation, core‑and‑satellite model portfolios, and limited tactical tilts while accommodating client values such as ESG screens. Recommendations are delivered on a non‑discretionary basis using third‑party research and technology tools; clients retain responsibility for implementing trades and maintaining accounts with their chosen custodians.
Noteworthy differences from many peers include the firm’s emphasis on client education through seminars and workshops (an uncommon offering among similar independent advisers) and the disclosed estate‑planning facilitation arrangement with a third‑party document platform, which the brochure identifies as a potential conflict and describes mitigation steps. The firm also reports no regulatory assets under management and operates without discretionary trading authority, signaling an advice‑centric model that depends on client implementation.
Client services
Expertise
Fee options
Negotiated fixed project fees for financial planning/consulting; Estate planning facilitation flat fees from $400 to $1,500.
$150 per hour for comprehensive financial planning/consulting.
Fee-only: Comprehensive Financial Planning / Consulting charged at $150 per hour; Negotiated fixed project fees agreed in writing before services begin; Estate Planning Facilitation flat fee ranging from $400 to $1,500 depending on scope of services.
Main office
Lancaster CA
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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