Prudent Investor Advisors provides investment management, financial planning, and consulting services. Founded in 2007 and based in Folsom, California, Prudent manages both discretionary and non-discretionary investment accounts, utilizing a passive investment philosophy that primarily relies on index mutual funds and exchange-traded funds. The firm helps clients with asset allocation, portfolio design, retirement plan design, and ongoing monitoring. Prudent serves individual investors, high-net-worth individuals, pension and profit-sharing plans, charitable organizations, and government entities. Investment management fees are based on a percentage of the assets under management, while financial planning is offered on an hourly or fixed-fee basis.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.95% |
| $1.0M - $5.0M | 0.60% |
| $5M+ | 0.60% |
Fees for accounts over $5 million are negotiable. Retirement and ERISA accounts have separate schedules ranging from 0.075% to 0.75%.