Prudent Investor Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Prudent Investor Advisors reports 230 clients. They include 153 individual clients, 30 pension and profit-sharing plans, and 26 high-net-worth individuals. Of its assets, 13.2% ($171M across 191 accounts) are managed with discretion; $1.13B across 47 accounts are not. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 67% | 3% |
| High-net-worth individuals | 11% | 7% |
| Pooled investment vehicles | <1% | 11% |
| Pension and profit-sharing plans | 13% | 47% |
| Charitable organizations | 4% | 3% |
| Other client typesState or municipal government entities; Corporations and other businesses | 4% | 29% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 153 | $40.3M | 3.1% | $264K |
| High-net-worth individuals | 26 | $95.9M | 7.4% | $3.69M |
| Pooled investment vehicles | 1 | $137M | 10.5% | $137M |
| Pension and profit-sharing plans | 30 | $616M | 47.3% | $20.5M |
| Charitable organizations | 10 | $34.2M | 2.6% | $3.42M |
| State or municipal government entities | 7 | $378M | 29.1% | $54M |
| Corporations and other businesses | Fewer than 5 | $428K | 0.0% | $143K |
| Total | 230 | $1.3B | 100% | — |
- Clients
- 153
- Regulatory AUM
- $40.3M
- AUM share
- 3.1%
- Avg. per client
- $264K
- Clients
- 26
- Regulatory AUM
- $95.9M
- AUM share
- 7.4%
- Avg. per client
- $3.69M
- Clients
- 1
- Regulatory AUM
- $137M
- AUM share
- 10.5%
- Avg. per client
- $137M
- Clients
- 30
- Regulatory AUM
- $616M
- AUM share
- 47.3%
- Avg. per client
- $20.5M
- Clients
- 10
- Regulatory AUM
- $34.2M
- AUM share
- 2.6%
- Avg. per client
- $3.42M
- Clients
- 7
- Regulatory AUM
- $378M
- AUM share
- 29.1%
- Avg. per client
- $54M
- Clients
- Fewer than 5
- Regulatory AUM
- $428K
- AUM share
- 0.0%
- Avg. per client
- $143K
Total
- Clients
- 230
- Regulatory AUM
- $1.3B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Prudent Investor Advisors is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.
Gary Allen owns 50% to 75% of Prudent Investor Advisors. The leadership team of Prudent Investor Advisors includes Chief Compliance Officer Jeffrey Coontz. It has 4 employees.
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- 1 insurance agent
- 1 soliciting firm
- Owns 50% to 75% of Prudent Investor Advisors, LLC
Gary Allen
Control person · since May 2007
- Owns 50% to 75% of Prudent Investor Advisors, LLC
Jeffrey Coontz
Control person · since May 2007
Prudent Investor Advisors’ regulatory assets grew 1.5× from $847M (March 2021) to $1.3B (March 2026); clients rose from 105 to 230 and employees fell from 5 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $1.3B | 230 | 4 | 1 |
| Mar 2025March 2025 | $1.15B | 185 | 4 | 1 |
| Mar 2024March 2024 | $1.25B | 138 | 5 | 2 |
| Mar 2023March 2023 | $1.08B | 89 | 5 | 2 |
| Apr 2022April 2022 | $1.25B | 116 | 5 | 2 |
| Mar 2021March 2021 | $847M | 105 | 5 | 4 |
Besides its headquarters, Prudent Investor Advisors has 0 offices, with 1 listed address in 1 state.
California · 1 listed address
- 101 Parkshore Drive, Suite 100, FolsomHQ
Other business names
Prudent Investor Advisors has reported 1 other business name to the SEC.
- Prudent Retirement Services
Contact and registration details
- Legal name
- Prudent Investor Advisors, LLC
- Headquarters
- 101 Parkshore Drive, Suite 100, Folsom, CA 95630
- Website
- prudentllc.com
- Phone
- 866-446-1848
- @prudent-investor-advisors-llc
- SEC file
- 801-63481
- Structure
- California LLC
- Fiscal year end
- December
Prudent Investor Advisors’ named custodians for separately managed accounts include Lincoln Financial Distributors ($368M, 35%), Tiaa-Cref Individual & Institutional Services ($284M, 27%) and Ameritas Investment ($274M, 26%). Prudent Investor Advisors does not have custody of client assets.
- American Trust Investment ServicesAmerican Trust Investment Services, Inc. · San Clemente, PA · $139M13%
- Lincoln Financial DistributorsLincoln Financial Distributors, Inc. · Radnor, PA · $368M35%
- Ameritas InvestmentAmeritas Investment Company, LLC · Lincoln, NE · $274M26%
- Tiaa-Cref Individual & Institutional ServicesTiaa-Cref Individual & Institutional Services, LLC · New York, NY · $284M27%
At year end, Prudent Investor Advisors’ separately managed accounts were mostly in funds (93%).
What the accounts hold
- Stocks3%
- Funds93%
- Bonds1%
- Cash3%
How many clients does Prudent Investor Advisors have?
Prudent Investor Advisors has 230 clients and manages $1.3 billion for them, as of March 2026. They include 153 individual clients, 30 pension and profit-sharing plans, and 26 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026
What services does Prudent Investor Advisors offer?
Prudent Investor Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Prudent Investor Advisors use?
Prudent Investor Advisors’ separately managed account assets are held at Lincoln Financial Distributors, Inc. (Radnor, PA), with $368M, Tiaa-Cref Individual & Institutional Services, LLC (New York, NY), with $284M, Ameritas Investment Company, LLC (Lincoln, NE), with $274M and American Trust Investment Services, Inc. (San Clemente, PA), with $139M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026
How many financial advisors does Prudent Investor Advisors have?
Prudent Investor Advisors has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Prudent Investor Advisors invest in?
At the end of its last fiscal year, Prudent Investor Advisors’ separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Prudent Investor Advisors?
Prudent Investor Advisors’ direct owners are Gary Allen (50% to 75%) and Jeffrey Coontz (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 26 March 2026
How does Prudent Investor Advisors get paid?
Prudent Investor Advisors 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
How do I contact Prudent Investor Advisors?
Prudent Investor Advisors’ main office is at 101 Parkshore Drive, Suite 100, Folsom, CA 95630. Its phone number is 866-446-1848. Its website is prudentllc.com.