{"url":"https://nivawealth.com/firms/provident-living-financial-services-282665","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/282665","regulatoryAum":158102043,"crd":"282665","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4566084","suffix":null,"lastName":"BARBER","firstName":"RICHARD","middleName":"TOM"},{"crd":"8226657","suffix":null,"lastName":"Barber","firstName":"Ruth","middleName":null},{"crd":"6555997","suffix":null,"lastName":"PIERINI","firstName":"RACHEL","middleName":"Anne"}],"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":"2025-05-23","regulatoryAum":130387563,"clients":236,"employees":2,"offices":2},{"filedOn":"2026-03-05","regulatoryAum":158102043,"clients":254,"employees":3,"offices":2}],"secFileNumber":"801-132694","legalName":"Provident Living Financial Services, Inc.","displayName":"Provident Living Financial Services","slug":"provident-living-financial-services-282665","website":"https://getprovident.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"3450 N Triumph BLVD., Suite 102","city":"Lehi","state":"UT","stateName":"Utah","country":"United States","postalCode":"84043"},"tradeNames":[],"registration":{"secApproved":"15 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":604690.4244897959,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":158102043,"discretionary":158102043,"discretionaryAccounts":408,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":183,"regulatoryAum":51857329},{"label":"High-net-worth individuals","clients":62,"regulatoryAum":96291825},{"label":"Pension and profit-sharing plans","clients":3,"fewerThan5":true,"regulatoryAum":4707637},{"label":"Charitable organizations","clients":5,"regulatoryAum":1311440},{"label":"Corporations and other businesses","clients":1,"fewerThan5":true,"regulatoryAum":3933812}],"feePrograms":[{"role":"other","program":"Cathedral Legacy and Wealth Stewardship","summary":"Standard-rate stewardship fees are no greater than $10,000 per occurrence for Evaluate and $20,000 for Build; Manage is negotiated when the service scope is selected.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014718","versionId":1014718,"submittedOn":"2026-03-05","documentName":"ADV2A/2B SEC"},{"role":"other","program":"DIY and Journey Memberships","summary":"Membership base fees are $60, $100 or $400 a month by tier, with waivers and discounts for qualifying assets, and may be paid monthly, quarterly, semi-annually or annually.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014718","versionId":1014718,"submittedOn":"2026-03-05","documentName":"ADV2A/2B SEC"},{"role":"other","program":"Financial Wellness and Advocacy","summary":"Financial wellness and advocacy services, including out-of-scope work, are billed at $200 an hour, rounded up to 15 minutes, unless a membership fee or discount applies.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014718","versionId":1014718,"submittedOn":"2026-03-05","documentName":"ADV2A/2B SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:22:05.620493+00:00","documents":[{"name":"ADV2A/2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014718","versionId":1014718,"submittedOn":"2026-03-05"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":158102043}],"custodyNote":"Provident Living Financial Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Richard Barber","title":"President/Chief Compliance Officer","crd":"4566084"}],"ownership":[{"label":"Richard Barber","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since May 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1691 Third Street","city":"Atwater"}]},{"state":"Utah","offices":1,"addresses":[{"street":"3450 N Triumph BLVD., Suite 102","city":"Lehi","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"801-753-5639","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","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)","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":43},{"label":"Derivatives","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":48},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"5 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/282665/PDF/282665.pdf","brochureDate":"5 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014718","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 Provident Living Financial Services have?","answer":"Provident Living Financial Services has 254 clients and manages $158 million for them, as of March 2026. They include 183 individual clients, 62 high-net-worth individuals and 5 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Provident Living Financial Services offer?","answer":"Provident Living Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Provident Living Financial Services use?","answer":"Provident Living Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $158M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Provident Living Financial Services have?","answer":"Provident Living Financial Services has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Provident Living Financial Services invest in?","answer":"At the end of its last fiscal year, Provident Living Financial Services’ separately managed accounts held 48% registered funds (mutual funds, ETFs, BDCs), 43% exchange-traded equities, 10% cash and equivalents and 1% derivatives.","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 Provident Living Financial Services?","answer":"Provident Living Financial Services’ direct owner is Richard Barber (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Provident Living Financial Services get paid?","answer":"Provident Living Financial Services is paid through a percentage of assets under management, hourly charges 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 Provident Living Financial Services?","answer":"Provident Living Financial Services’ main office is at 3450 N Triumph BLVD., Suite 102, Lehi, UT 84043. Its phone number is 801-753-5639. 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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."}