Prospettiva Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Prospettiva Financial reports 294 clients. They include 250 high-net-worth individuals and 44 individual clients. Of its assets, 100.0% ($129M across 308 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 15% | 6% |
| High-net-worth individuals | 85% | 81% |
| Pension and profit-sharing plans | Fewer than 5 | 3% |
| Charitable organizations | Fewer than 5 | 10% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 44 | $7.25M | 5.6% | $165K |
| High-net-worth individuals | 250 | $104M | 81.0% | $417K |
| Pension and profit-sharing plans | Fewer than 5 | $3.91M | 3.0% | — |
| Charitable organizations | Fewer than 5 | $13.3M | 10.4% | — |
| Total | 294 | $129M | 100% | — |
- Clients
- 44
- Regulatory AUM
- $7.25M
- AUM share
- 5.6%
- Avg. per client
- $165K
- Clients
- 250
- Regulatory AUM
- $104M
- AUM share
- 81.0%
- Avg. per client
- $417K
- Clients
- Fewer than 5
- Regulatory AUM
- $3.91M
- AUM share
- 3.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $13.3M
- AUM share
- 10.4%
- Avg. per client
- —
Total
- Clients
- 294
- Regulatory AUM
- $129M
- 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
- 0
Prospettiva Financial charges up to 1.25% a year for its Wealth Management. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Flat fee of $10,000 to $20,000 by scope, with a deposit of up to half the quoted fee.
- Retirement Planning
- Annual fee of 1.00% of assets being monitored, for any amount, billed pro-rata quarterly in advance.
Sean Fletcher owns 75% or more of Prospettiva Financial. The leadership team of Prospettiva Financial includes Chief Compliance Officer Sean Fletcher. It has 3 employees.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 2 insurance agents
- Owns 75% or more of Prospettiva Financial LLC
Sean Fletcher
Control person · since October 2008
Prospettiva Financial’s regulatory assets grew from $114M (April 2022) to $129M (March 2026); clients rose from 77 to 294 and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $129M | 294 | 3 | 4 |
| Feb 2025February 2025 | $116M | 66 | 3 | 4 |
| Jul 2024July 2024 | $107M | 67 | 4 | 4 |
| Jan 2023January 2023 | $93.8M | 66 | 3 | 4 |
| Apr 2022April 2022 | $114M | 77 | 4 | 3 |
Besides its headquarters, Prospettiva Financial has 3 offices (3 private residences, listed without an address), with 1 listed address in 1 state.
California · 1 listed address
- 22 Battery Street, Suite 426, San FranciscoHQ
Contact and registration details
- Legal name
- Prospettiva Financial LLC
- Headquarters
- 22 Battery Street, Suite 426, San Francisco, CA 94111
- Website
- prospettivafinancial.com
- Phone
- 415-362-8636
- @prospettiva-financial-llc
- SEC file
- 801-123729
- Structure
- California LLC
- Fiscal year end
- December
Prospettiva Financial’s named custodian for separately managed accounts is Charles Schwab ($123M). Prospettiva Financial has custody of $48.9M for 78 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $123M100%
At year end, Prospettiva Financial’s separately managed accounts were mostly in stocks (52%) and funds (43%).
What the accounts hold
- Stocks52%
- Funds43%
- Bonds3%
- State and local bonds2%
- Investment grade corporate bonds1%
- Cash2%
How many clients does Prospettiva Financial have?
Prospettiva Financial has 294 clients and manages $129 million for them, as of March 2026. They include 250 high-net-worth individuals and 44 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 17 March 2026
What services does Prospettiva Financial offer?
Prospettiva Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Prospettiva Financial charge?
Prospettiva Financial charges up to 1.25% a year for its Wealth Management. The fee is billed in advance and is negotiable.
Source: PROSPETTIVA FINANCIAL LLC - FORM ADV PART 2A, filed 17 March 2026
Which custodians does Prospettiva Financial use?
Prospettiva Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $123M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 March 2026
How many financial advisors does Prospettiva Financial have?
Prospettiva Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 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 Prospettiva Financial invest in?
At the end of its last fiscal year, Prospettiva Financial’s separately managed accounts held 52% exchange-traded equities, 43% registered funds (mutual funds, ETFs, BDCs), 2% state and local bonds, 2% cash and equivalents and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Prospettiva Financial?
Prospettiva Financial’s direct owner is Sean Fletcher (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 17 March 2026
How does Prospettiva Financial get paid?
Prospettiva Financial is paid through a percentage of assets under management and fixed fees. 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 Prospettiva Financial?
Prospettiva Financial’s main office is at 22 Battery Street, Suite 426, San Francisco, CA 94111. Its phone number is 415-362-8636. Its website is prospettivafinancial.com.
