Prudent Wealthcare
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Prudent Wealthcare provides comprehensive financial planning and retirement-plan advice to individual and high‑net‑worth clients, covering areas such as wealth accumulation, retirement income planning, portfolio analysis, basic tax planning, and estate planning. The firm conducts an initial data-gathering interview and delivers customized plans and implementation consultation using client-supplied documents and financial information.
The firm emphasizes a passive, diversified asset-allocation approach intended to minimize internal expenses, typically recommending ETFs, mutual funds, investment‑grade bonds, CDs and short‑term cash positions with a buy‑and‑hold posture and periodic rebalancing. It relies on third‑party financial planning software (MoneyGuidePro®) to model scenarios and obtain daily account downloads for monitoring, but does not act as a discretionary portfolio manager, does not place trades for clients, and does not custody client assets or provide account-level performance reporting.
Notable differences from many peers include that the principal is a licensed insurance agent who may recommend and sell annuities and other insurance products and receive commissions (this activity is disclosed and represents a limited portion of the principal’s time). The firm bills via project, ongoing flat and hourly arrangements rather than percentage‑of‑assets‑under‑management fees, prohibits receipt of non‑cash “soft dollar” benefits, and uses daily data feeds for oversight while not storing client login credentials.
Client services
Expertise
Fee options
Initial advice fee of $3,000 for an Individual or $4,500 for a Couple; ongoing annual fee of $2,000 for an Individual or $3,000 for a Couple.
$250 per hour for additional hours beyond included service hours.
Fee-only: $3,000 for an Individual (up to 15 hours initial service), $4,500 for a Couple (up to 23 hours initial service); ongoing advice $2,000 annually for an Individual (up to 10 hours), $3,000 annually for a Couple (up to 15 hours); additional hours billed at $250 per hour in 15-minute increments.
Main office
Monument CO
Advisors at this office
1
Most active in
Colorado · Texas
Also doing business as
Prudent Wealthcare · Prudent Wealthcare 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 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
Quick links
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