Prepared Retirement Institute provides financial planning, portfolio management for individuals and small businesses, and insurance. Financial planning was provided to 251–500 clients last fiscal year.
Prepared Retirement Institute reports 259 clients. They include 171 individual clients, 81 high-net-worth individuals and 5 other clients. Of its assets, 100.0% ($308M across 818 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 66% | 31% |
| High-net-worth individuals | 31% | 65% |
| Pension and profit-sharing plans | <1% | 3% |
| Corporations and other businesses | <1% | 1% |
| Other | 2% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 171 | $94M | 30.6% | $550K |
| High-net-worth individuals | 81 | $200M | 65.0% | $2.47M |
| Pension and profit-sharing plans | Fewer than 5 | $8.7M | 2.8% | $8.7M |
| Corporations and other businesses | Fewer than 5 | $3.49M | 1.1% | $3.49M |
| Other | 5 | $1.52M | 0.5% | $304K |
| Total | 259 | $308M | 100% | — |
- Clients
- 171
- Regulatory AUM
- $94M
- AUM share
- 30.6%
- Avg. per client
- $550K
- Clients
- 81
- Regulatory AUM
- $200M
- AUM share
- 65.0%
- Avg. per client
- $2.47M
- Clients
- Fewer than 5
- Regulatory AUM
- $8.7M
- AUM share
- 2.8%
- Avg. per client
- $8.7M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.49M
- AUM share
- 1.1%
- Avg. per client
- $3.49M
- Clients
- 5
- Regulatory AUM
- $1.52M
- AUM share
- 0.5%
- Avg. per client
- $304K
Total
- Clients
- 259
- Regulatory AUM
- $308M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Prepared Retirement Institute charges 1.00%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.50% |
| $1M and above | 1.00% |
Fee details and sources
Other fees
- Financial Plan Creation
- A one-time financial plan is billed at $600 per hour, with a minimum of five hours, due in advance; the fee is negotiable.
Prepared Holdings, LLC owns 75% or more of Prepared Retirement Institute and is in turn owned by Andrew Dziedzic (75% or more). The leadership team of Prepared Retirement Institute includes Chief Compliance Officer Andrew Dziedzic. It has 11 employees, 4 of them in advisory roles.
Staff
- 11 employees
- 4 in advisory functions
- 4 state-registered reps
- 2 insurance agents
- 1 soliciting firm
- Owns 75% or more of Prepared Retirement Institute LLC
Prepared Holdings, LLC
Control person · since January 2026
- Owns 75% or more of Prepared Holdings, LLC
Andrew Dziedzic
Control person · since May 2020
- Owns 5% to 10% of Prepared Retirement Institute LLC
ML Capital Group LLC
Control person · since January 2026
- Owns 75% or more of ML Capital Group LLC
Megan Lebarron
Control person · since January 2026
Prepared Retirement Institute’s regulatory assets grew 2.5× from $123M (March 2022) to $308M (May 2026); clients rose from 191 to 259 and employees from 4 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| May 2026May 2026 | $308M | 259 | 11 | 1 |
| Mar 2025March 2025 | $301M | 349 | 9 | 1 |
| Mar 2024March 2024 | $281M | 434 | 7 | 1 |
| Jul 2023July 2023 | $191M | 328 | 7 | 1 |
| Mar 2022March 2022 | $123M | 191 | 4 | 1 |
Besides its headquarters, Prepared Retirement Institute has 0 offices, with 1 listed address in 1 state.
Pennsylvania · 1 listed address
- 105 Montgomery Ave., Suite 1053, MontgomeryvilleHQ
Contact and registration details
- Legal name
- Prepared Retirement Institute LLC
- Headquarters
- 105 Montgomery Ave., Suite 1053, Montgomeryville, PA 18936
- Phone
- 215-997-5700
- @preparedretirementinstitute
- SEC file
- 801-122432
- Founded
- 2020
- Structure
- Pennsylvania LLC
- Fiscal year end
- December
Prepared Retirement Institute’s named custodian for separately managed accounts is Charles Schwab ($299M). Prepared Retirement Institute has custody of $299M for 258 clients.
- Charles SchwabCharles Schwab & Co., Inc. · West Lake, TX · $299M100%
At year end, Prepared Retirement Institute’s separately managed accounts were mostly in stocks (70%) and funds (22%). Its reported 13F holdings for the quarter ended 30 June 2026 total $235M across 94 positions; the largest are Vanguard Specialized Funds (12.1%), Schwab Strategic TR (7.7%) and Fidelity Covington Trust (7.2%).
What the accounts hold
- Stocks70%
- Funds22%
- Bonds3%
- Investment grade corporate bonds2%
- State and local bonds1%
- Cash2%
- Other3%
- Fixed income, uit, stocks that aren't classified by software3%
How many clients does Prepared Retirement Institute have?
Prepared Retirement Institute has 259 clients and manages $308 million for them, as of May 2026. They include 171 individual clients, 81 high-net-worth individuals and 5 other clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 May 2026
What services does Prepared Retirement Institute offer?
Prepared Retirement Institute provides financial planning, portfolio management for individuals and small businesses, and insurance.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Prepared Retirement Institute charge?
Prepared Retirement Institute charges 1.00%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Source: PREPARED RETIREMENT INSTITUTE LLC ADV BROCHURE, filed 1 May 2026
Which custodians does Prepared Retirement Institute use?
Prepared Retirement Institute’s separately managed account assets are held at Charles Schwab & Co., Inc. (West Lake, TX), with $299M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 May 2026
How many financial advisors does Prepared Retirement Institute have?
Prepared Retirement Institute has 4 investment adviser representatives registered with state securities authorities, out of 11 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Prepared Retirement Institute invest in?
At the end of its last fiscal year, Prepared Retirement Institute’s separately managed accounts held 70% exchange-traded equities, 22% registered funds (mutual funds, ETFs, BDCs), 3% other, 2% investment grade corporate bonds, 2% cash and equivalents and 1% state and local bonds. The 3% other category is described as: Fixed Income, Uit, Stocks That Aren'T Classified by Software.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Prepared Retirement Institute?
Prepared Retirement Institute is owned through holding companies by Andrew Dziedzic and Megan Lebarron. Its direct owners are ML Capital Group LLC (5% to 10%) and Prepared Holdings, LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 1 May 2026
How does Prepared Retirement Institute get paid?
Prepared Retirement Institute is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Prepared Retirement Institute?
Prepared Retirement Institute’s main office is at 105 Montgomery Ave., Suite 1053, Montgomeryville, PA 18936. Its phone number is 215-997-5700. Its website is preparedretirementinstitute.com.