{"url":"https://nivawealth.com/firms/prudent-investor-advisors-121922","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121922","regulatoryAum":1302177184,"crd":"121922","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1821674","suffix":null,"lastName":"ALLEN","firstName":"GARY","middleName":"KEITH"},{"crd":"2333418","suffix":null,"lastName":"COONTZ","firstName":"JEFFREY","middleName":"BRIAN"},{"crd":"7793681","suffix":null,"lastName":"Haren","firstName":"Kenneth","middleName":"Peter"},{"crd":"5172172","suffix":null,"lastName":"Uruburo","firstName":"GABRIEL","middleName":"Arturo"}],"total":4,"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":"2021-03-12","regulatoryAum":847104530,"clients":105,"employees":5,"offices":4},{"filedOn":"2022-04-08","regulatoryAum":1248040236,"clients":116,"employees":5,"offices":2},{"filedOn":"2023-03-09","regulatoryAum":1080024469,"clients":89,"employees":5,"offices":2},{"filedOn":"2024-03-20","regulatoryAum":1245411158,"clients":138,"employees":5,"offices":2},{"filedOn":"2025-03-19","regulatoryAum":1153613208,"clients":185,"employees":4,"offices":1},{"filedOn":"2026-03-26","regulatoryAum":1302177184,"clients":230,"employees":4,"offices":1}],"secFileNumber":"801-63481","legalName":"Prudent Investor Advisors, LLC","displayName":"Prudent Investor Advisors","slug":"prudent-investor-advisors-121922","website":"https://prudentllc.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"retirement_plan_adviser","typeLabel":"Retirement plans","feeDisclosure":"payment_only"},"linkedinUrl":"https://www.linkedin.com/company/prudent-investor-advisors-llc/about/","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"101 Parkshore Drive, Suite 100","city":"Folsom","state":"CA","stateName":"California","country":"United States","postalCode":"95630"},"tradeNames":["Prudent Retirement Services"],"registration":{"secApproved":"15 September 2004","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":761202.6368715083,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":1,"promoters":1},"aum":{"regulatory":1302177184,"discretionary":171474603,"discretionaryAccounts":191,"nonDiscretionary":1130702581,"nonDiscretionaryAccounts":47,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":153,"regulatoryAum":40321745},{"label":"High-net-worth individuals","clients":26,"regulatoryAum":95933527},{"label":"Pooled investment vehicles","clients":1,"regulatoryAum":137350186},{"label":"Pension and profit-sharing plans","clients":30,"regulatoryAum":615647242},{"label":"Charitable organizations","clients":10,"regulatoryAum":34200783},{"label":"State or municipal government entities","clients":7,"regulatoryAum":378295357},{"label":"Corporations and other businesses","clients":3,"fewerThan5":true,"regulatoryAum":428344}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"American Trust Investment Services, Inc.","shortName":"American Trust Investment Services","location":"San Clemente, PA","smaAssets":138864893},{"name":"Lincoln Financial Distributors, Inc.","shortName":"Lincoln Financial Distributors","location":"Radnor, PA","smaAssets":367844014},{"name":"Ameritas Investment Company, LLC","shortName":"Ameritas Investment","location":"Lincoln, NE","smaAssets":273889398},{"name":"Tiaa-Cref Individual & Institutional Services, LLC","shortName":"Tiaa-Cref Individual & Institutional Services","location":"New York, NY","smaAssets":283771452}],"custodyNote":"Prudent Investor Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Jeffrey Coontz","title":"Member/Chief Compliance Officer","crd":"2333418"},{"name":"Gary Allen","title":"Member","crd":"1821674"}],"ownership":[{"label":"Gary Allen","detail":"Member in the 50% to 75% ownership band and a control person, since May 2007."},{"label":"Jeffrey Coontz","detail":"Member/chief compliance officer in the 50% to 75% ownership band and a control person, since May 2007."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"101 Parkshore Drive, Suite 100","city":"Folsom","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"866-446-1848","stateRegisteredReps":4,"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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":93},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"26 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121922/PDF/121922.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Prudent Investor Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Prudent Investor Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Prudent Investor Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Prudent Investor Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Prudent Investor Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Prudent Investor Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Prudent Investor Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Prudent Investor Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 26 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."}