Provident Living Financial Services
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$148,149,154
Clients
245
Advisors
3
across 2 offices
About
Provident Living Financial Services provides fee‑based investment management, financial planning, and financial‑wellness services to individuals, trusts, estates, nonprofit organizations, and business clients. It also delivers group programs for employer‑sponsored participants and can act as an ERISA 3(38) investment manager for retirement plans.
The firm offers household‑level discretionary portfolio management under its Finique 360 program, with client risk profiles ranging from conservative to trading/speculation and documented investment policy statements and periodic (quarterly) reviews. Its methodology uses fundamental, technical, and cyclical analysis and the brochure discloses use of options strategies (including covered, uncovered, and spread positions) and exposure to leveraged/inverse ETFs, with attendant risk disclosures.
Noteworthy aspects compared with peers include a recently added estate‑planning support technology platform and a Cathedral Legacy & Wealth Stewardship service focused on multi‑generational planning and stewardship. The firm also emphasizes employer‑sponsored memberships and live educational sessions for groups and discloses an affiliation with a related financial‑technology company, features that are less common among similar supported firms.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Estate planning support technology platform: $1,500 one-time plus $500 per subsequent document builder session; Cathedral Legacy & Wealth Stewardship services range from $5,000 to $20,000 per occurrence depending on phase and client status.
$0 - $10,000,000: 0.50% $10,000,001 - $100,000,000: 0.25% $100,000,001+: 0.125%
Standard hourly rate for financial wellness & advocacy services is $200 per hour.
Membership fees (financial wellness & advocacy): DIY $60/month, Journey $100/month, VIP $400/month, VIP+ requires $10 million AUM; surcharges and discounts apply.
Fee-only: Financial wellness & advocacy services billed at $200/hour, billed in 15 minute increments.
Main office
See office3450 N Triumph Blvd., Suite 102
Lehi UT 84043
Advisors at this office
2
Offices (2)
Most active in
California · Idaho · Texas · Utah
Also doing business as
Provident Living Financial Services · Provident Living Financial Services, Inc. · Sage Wealth Advisors Central California Inc.
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.
Advisors at this firm
Rachel P
Series 65
Atwater, CA
Provident Living Financial Services
Rachel Pierini is a financial advisor at Provident Living Financial Services with nine years of industry experience. She holds a Series 65 designation and has been with Provident Living since 2015. Outside of her advisory role, Pierini owns QB Business Solutions, LLC, which provides life and financial advocacy services, notary services, and administrative support. Provident Living Financial Services serves individuals, trusts, estates, nonprofit organizations, and business clients with discretionary portfolio management, financial planning, and group retirement plan investment management. The firm employs a blended advisory and financial wellness model, offering multi-tiered membership plans and concierge services alongside its investment programs.
Richard B
Series 66
Lehi, UT
Provident Living Financial Services
Richard Barber is a Series 66-licensed financial advisor with over 23 years of industry experience. He currently works at Provident Living Financial Services, where he has been since 2016. Barber serves on the board of Welfie, a technology platform company. Provident Living Financial Services provides fee-based investment management, financial planning, and financial-wellness services to individuals, trusts, estates, nonprofit organizations, and businesses. The firm offers discretionary portfolio management through its Finique 360 program, utilizing fundamental, technical, and cyclical analysis, and supports employer-sponsored plans with educational programs and estate-planning technology.
Ruth B
Series 65
Lehi, UT
Provident Living Financial Services
Ruth Barber is a financial advisor at Provident Living Financial Services with a Series 65 designation and over 16 years of experience at the firm. She is also involved with Welfie, LLC, an outside business activity. Provident Living Financial Services provides fee-based investment management, financial planning, and financial-wellness services to individuals, trusts, estates, nonprofit organizations, and business clients. The firm offers discretionary portfolio management through its Finique 360 program and includes services such as estate-planning support and multi-generational wealth stewardship.
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