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The fee is billed in advance and is negotiable.","source":"PREPARED RETIREMENT INSTITUTE LLC ADV BROCHURE, filed 1 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Prepared Retirement Institute use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Prepared Retirement Institute have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Prepared Retirement Institute invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Prepared Retirement Institute?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Prepared Retirement Institute get paid?","answer":"Prepared Retirement Institute is paid through a percentage of assets under management and hourly charges. 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