Prudent Prospera Planning, Inc.
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About
Prudent Prospera Planning provides financial planning and related advisory services to individual and business clients, including high‑net‑worth households. Services center on preparing written financial plans through interviews and questionnaires and may include recommendations for insurance and tax‑planning services.
The firm’s advice is built around asset‑allocation analysis, third‑party research and computer models for performance and risk review. Rather than directly managing assets, Prudent Prospera recommends and monitors third‑party investment advisers, establishes solicitor relationships with them, and meets with clients at least annually.
Noteworthy differences from many peers include the principal’s role as a licensed insurance agent who may sell recommended insurance products for commission and the firm’s practice of sharing a portion of third‑party advisers’ management fees—arrangements disclosed in the brochure as potential conflicts of interest that the firm says it seeks to mitigate through fiduciary duties and a code of ethics. The firm is small and emphasizes planner‑led recommendations and adviser selection over in‑house, discretionary portfolio management.
Client services
Expertise
Fee options
Fixed fee financial planning ranging from $1,500 to $5,000, negotiable
Insurance commissions from sale of insurance products; solicitor fees from third party investment advisers (up to 50% or more of their management fees)
$250 per hour, negotiable
Fee-only: Hourly rate of $250 per hour (negotiable); Fixed fee financial planning range from $1,500 to $5,000 (negotiable)
Main office
See office5506 Sunol Blvd, Suite 205
Pleasanton CA 94566
Advisors at this office
1
Offices (2)
Most active in
Arizona · California · Louisiana · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
Advisors at this firm
Jonathan I
Series 63, Series 65
Tuscon, AZ
Prudent Prospera Planning, Inc.
Jonathan Illig is a financial advisor at Prudent Prospera Planning, Inc. in Tucson, AZ, with 13 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at ARP Advisors, LLC, Gebhardt Group, Inc., and Advanced Retirement Planning, LLC, where he also provides consulting on case analysis for independent agents. Prudent Prospera Planning offers financial planning and advisory services to individual and business clients, including high-net-worth households. The firm focuses on written financial plans supported by asset-allocation analysis, third-party research, and risk modeling, recommending and monitoring third-party investment advisers rather than managing assets directly.
Atul D
CFP®, Series 63, Series 65, Series 66
Pleasanton, CA
Prudent Prospera Planning, Inc.
Atul Dubal is a CFP® with over 21 years of experience in the financial services industry. He has been with Prudent Prospera Planning, Inc. since 2015 and also works as a licensed insurance agent through SaveOnTerms.com. Additionally, he has involvement in tax planning services through Professional Tax Planners America. Prudent Prospera Planning offers financial planning and advisory services to individuals and businesses, including high-net-worth clients. The firm focuses on written financial plans, asset-allocation analysis, and third-party investment adviser recommendations, with a distinctive approach that includes insurance sales and sharing of management fees disclosed as potential conflicts of interest.
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