{"url":"https://nivawealth.com/firms/prospettiva-financial-148760","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/148760","regulatoryAum":128665439,"crd":"148760","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2705795","suffix":null,"lastName":"FLETCHER","firstName":"SEAN","middleName":"A"},{"crd":"6140720","suffix":null,"lastName":"JOYNT","firstName":"ERIC","middleName":"ROBERT"},{"crd":"2836007","suffix":null,"lastName":"KINDEL","firstName":"HOLLY","middleName":"GILLIAN"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2022-04-25","regulatoryAum":114154284,"clients":77,"employees":4,"offices":3},{"filedOn":"2023-01-25","regulatoryAum":93803857,"clients":66,"employees":3,"offices":4},{"filedOn":"2024-07-12","regulatoryAum":106527220,"clients":67,"employees":4,"offices":4},{"filedOn":"2025-02-10","regulatoryAum":115975033,"clients":66,"employees":3,"offices":4},{"filedOn":"2026-03-17","regulatoryAum":128665439,"clients":294,"employees":3,"offices":4}],"secFileNumber":"801-123729","legalName":"Prospettiva Financial LLC","displayName":"Prospettiva Financial","slug":"prospettiva-financial-148760","website":"https://prospettivafinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/148760/455b7e47572dbac4-r1.webp","tone":"light","width":856,"height":200,"sourceUrl":"https://prospettivafinancial.com/","sourceLabel":"Prospettiva Financial, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/prospettiva-financial-llc/","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"22 Battery Street, Suite 426","city":"San Francisco","state":"CA","stateName":"California","country":"United States","postalCode":"94111"},"tradeNames":[],"registration":{"secApproved":"18 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":379049.58843537414,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":128665439,"discretionary":128665439,"discretionaryAccounts":308,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":44,"regulatoryAum":7250374},{"label":"High-net-worth individuals","clients":250,"regulatoryAum":104190205},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":3905512},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":13319348}],"feePrograms":[{"role":"main","program":"Wealth Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020279","versionId":1020279,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-17","documentName":"PROSPETTIVA FINANCIAL LLC - FORM ADV PART 2A","fee_rate_low":null,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Flat fee of $10,000 to $20,000 by scope, with a deposit of up to half the quoted fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020279","versionId":1020279,"submittedOn":"2026-03-17","documentName":"PROSPETTIVA FINANCIAL LLC - FORM ADV PART 2A"},{"role":"other","program":"Retirement Planning","summary":"Annual fee of 1.00% of assets being monitored, for any amount, billed pro-rata quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020279","versionId":1020279,"submittedOn":"2026-03-17","documentName":"PROSPETTIVA FINANCIAL LLC - FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:50:37.999613+00:00","documents":[{"name":"PROSPETTIVA FINANCIAL LLC - FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020279","versionId":1020279,"submittedOn":"2026-03-17"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":123376137}],"custodyNote":"Prospettiva Financial has custody of $48.9M for 78 clients.","otherCustodians":[],"leadership":[{"name":"Sean Fletcher","title":"Chief Compliance Officer and Managing Member","crd":"2705795"}],"ownership":[{"label":"Sean Fletcher","detail":"Chief compliance officer and managing member in the 75% or more ownership band and a control person, since October 2008."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":3},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"22 Battery Street, Suite 426","city":"San Francisco","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"415-362-8636","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":52},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":43},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"17 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/148760/PDF/148760.pdf","brochureDate":"17 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1020279","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Prospettiva Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Prospettiva Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Prospettiva Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Prospettiva Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Prospettiva Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Prospettiva Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Prospettiva Financial?","answer":"Prospettiva Financial’s direct owner is Sean Fletcher (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Prospettiva Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Prospettiva Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}