Prospettiva Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Prospettiva Financial advises individuals, high‑net‑worth clients, trusts and charitable entities and also provides retirement plan consulting to employer sponsors. Services described in the brochure include wealth management, written financial planning, retirement plan consulting and referrals to third‑party money managers.
The firm typically implements individualized, discretionary portfolios that emphasize mutual funds and ETFs with ongoing supervision, quarterly reviews and rebalancing, and will use sub‑advisors when appropriate. Financial plans are delivered in writing through an online portal and the firm describes a defined process and timeline for plan delivery and implementation support.
What distinguishes Prospettiva from many peers is its explicit focus on retirement plan clients, including municipal or state plan sponsors, and the firm’s operational approach to plan engagements (annual IPS reviews, participant education and arrangements that permit advisory fees to be debited from participant accounts). The brochure also notes use of institutional custody and support services and occasional delegation to third‑party managers, which the firm discloses and reviews periodically.
Client services
Expertise
Fee options
Financial planning services charged flat fees ranging from $10,000 to $20,000.
Minimum fee: Written financial plans typically charged a minimum fee of $10,000, but this minimum may be reduced at the firm's discretion. Fee-only: Financial planning services charged on a flat fee basis ranging from $10,000 to $20,000.
Main office
See office22 Battery Street, Suite 426
San Francisco CA 94111
Advisors at this office
2
Offices (2)
Most active in
California · Montana
Also doing business as
Prospettiva Financial · Prospettiva Financial LLC · Prospettiva Financial, LLC · Rhodes & Fletcher, LLC
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Eric J
CFP®, ChFC®, Series 63
Missoula, MT
Prospettiva Financial
Eric Joynt is a CFP® and ChFC® with nine years of experience in the financial services industry. He is currently with Prospettiva Financial, where he has worked since 2022, and has prior experience with SG Long Financial and State Farm Insurance. Prospettiva Financial serves individuals, trusts, estates, charitable organizations, and pension or profit-sharing plans, managing approximately $116 million in discretionary assets. The firm offers wealth management, financial planning, and retirement plan advisory services, with a focus on tailored portfolios, continuous account supervision, and specialized work with state and municipal government clients.
Holly K
CFP®, Series 63
San Francisco, CA
Prospettiva Financial
Holly Kindel is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Prospettiva Financial since 2019. Her prior experience includes roles at Occidental Asset Management and Mosaic Financial Partners. She is also principal of Delphi Coaching, providing financial coaching outside of trading hours. Additionally, she serves as treasurer for Sage Financial Solutions, a nonprofit focused on training financial professionals to assist low-to-moderate income individuals. Prospettiva Financial serves individuals, trusts, estates, charitable organizations, and retirement plans, managing approximately $116 million in discretionary assets. The firm employs tailored portfolios primarily using mutual funds and ETFs, emphasizes regular account reviews, and provides specialized retirement-plan advisory services, including work with state and municipal government clients.
Sean F
CFP®, Series 63, Series 65
San Francisco, CA
Prospettiva Financial
Sean Fletcher is a CFP® with 22 years of experience in the financial industry. He is a principal at Prospettiva Financial, where he has worked since 2010, and previously operated Rhodes & Fletcher, LLC. Outside of finance, he is an owner and artist involved in the production and exhibition of fine and performing arts and serves on the advisory board of Honig Vineyard & Winery. Prospettiva Financial provides wealth management and financial planning services to individuals, trusts, estates, charitable organizations, and pension or profit-sharing plans. The firm manages approximately $116 million in discretionary assets and is noted for its work with state and municipal government retirement plans and its use of tailored portfolios primarily composed of mutual funds and ETFs.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)