Personalized Financial Planning, Built Around You
Your Financial Plan
Starts Here.
Clarity. Confidence. Control. — A Financial Planner & Adviser providing personalized financial planning designed to align with your goals, values, and long‑term success.
Welcome to Prosperity Planning
At Prosperity Planning & Advisory, we partner with individuals and small business owners to work toward their financial goals with achievable strategies. As a fiduciary firm, we are legally and ethically committed to acting in our clients’ best interests in our investment advisory relationships. Whether you’re preparing for retirement, building wealth, or strengthening your business, we deliver professional guidance and ongoing support.
Your Journey to Financial Clarity
We guide every client through a structured six-step process designed to build confidence and keep every decision intentional.
Initial Meeting
Understanding your goals and priorities
Discovery
Uncovering your full financial picture
Design
Crafting tailored strategies for your situation
Recommend
Presenting a clear path forward
Implement
Putting strategies into action with care
Follow-Up
Ongoing support as life evolves
Our Services
Helping you make more confident, informed financial decisions by aligning your resources with your long-term goals, lifestyle, and priorities.
Comprehensive Financial Planning
Your financial life has a lot of moving parts saving, spending, investing, protecting your family, and planning for the future. We bring those pieces together into one clear plan, so your everyday money decisions and your long-term goals work as a team instead of pulling against each other.
It's hard to reach big goals when you're not sure where your money goes each month. We help you build a simple approach to saving and spending, so your daily choices support the things that matter most to you today and in the years ahead.
Saving for retirement and investing are closely tied, but they're often handled separately. We help you review how the two fit together, so the way you invest today reflects the kind of retirement you're working toward.
Planning ahead for education is one of the most meaningful things you can do for someone you love. We help you prepare for future school costs in a way that fits your budget and keeps the rest of your goals on track.
Life doesn't always go as planned, and the right protection can keep an unexpected event from derailing everything you've built. We help you take an honest look at what you'd want protected, then evaluate whether your coverage fits that need, needs first, not products first.
A plan isn't a one-time event, life changes and yours should keep up. We meet with you over time to review where you stand, answer new questions, and adjust your plan as your goals and circumstances evolve.
Planning for Business Owners & High Earners
When you're a business owner or a high-earning household, your financial decisions tend to be bigger, more connected, and harder to make in isolation. We help you look at the full picture, business and personal, today and years from now, so your most important choices are made with clarity and purpose rather than in pieces
For most owners, personal and business finances are deeply linked, yet they're often managed as if they're separate. We help you bring them into one coordinated plan, so your day-to-day business decisions and your long-term personal goals move in the same direction.
Your best people are one of your most valuable assets, and losing a key leader can be costly. We help you explore compensation and benefit approaches designed to reward the people who matter most and give them strong reasons to stay and grow with you.
Someday you may sell your business, pass it on, or step away from it and thoughtful planning for that day can make a meaningful difference, including how taxes come into play. Working alongside your CPA and attorney, we help you weigh the timing and your options in advance, so a major transition happens on your terms.
Complex finances often mean working with several professionals at once your CPA, your attorney, and others, who don't always connect with one another. We serve as a central point of contact, working in alignment with your overall plan and alongside your other advisors so every piece fits together.
Investment, Retirement & Financial Planning
Investing and planning for retirement work best when they're built around you, your goals, your timeline, how you feel about risk, and the income you'll need. We help bring these into one coordinated strategy, so you can make important financial decisions with a clear understanding of what each one means for your future.
Long before you retire, there's work to do: building up your savings and preparing for the shift out of full-time work. We help you create a clear, step-by-step strategy for the years leading up to retirement, one that keeps taxes in mind and adapts as your needs and circumstances change.
We provide personalized, non-discretionary investment guidance, meaning we offer recommendations, but we never place trades or move money for you. You always retain full control over every investment decision and account transaction through your own custodian. Our guidance follows a disciplined approach built on diversification, matching investments to your comfort with risk, and regular portfolio reviews.
Once you're retired, the question changes: how do you turn what you've saved into dependable income that lasts? We help you plan how and when to draw from your savings, including when to claim Social Security and which accounts to use first with an eye on taxes, longevity, and long-term stability.
It's not just what you earn on your investments, it's what you keep after taxes. We help you invest with taxes in mind by considering which accounts hold which investments and the order you draw from them, with the goal of reducing unnecessary tax costs and coordinating with the rest of your plan.
Note: Insurance products and strategies are discussed for educational purposes and may be implemented outside of the advisory relationship where applicable.
Estate & Legacy Planning Strategy & Coordination
Estate planning isn't just about documents, it's about making sure the people and causes you care about are looked after, and that your wishes are clearly understood. We help you organize and coordinate your estate plan so every part of your financial life connects, while your attorney handles the legal documents themselves.
Getting an estate plan in place can feel overwhelming, and many people put it off for years. We help guide you through the process and keep your financial strategy in step with your legal documents and when appropriate, we help move your plan from idea to reality by coordinating with trusted, independent legal professionals who prepare and provide the legal advice.
A legacy is more than money, it's the values and intentions you pass on to your family and the causes you believe in. We help you think through what you want your legacy to look like across generations, so what matters most to you is reflected in your plan.
Small details like who's named on each account and how it's titled can have a big impact on how smoothly your assets reach your loved ones. We help you review these designations and flag anything worth revisiting with your attorney, so your accounts stay in step with your overall wishes.
If giving back is important to you, thoughtful planning can help your generosity go further. We help weave your charitable goals into your broader financial, tax, and estate strategy, so your giving reflects your values and creates a lasting impact.
Note: Prosperity Planning & Advisory provides estate planning guidance and coordination but does not provide legal or tax advice. Estate documents are prepared in coordination with third-party legal providers. Clients are encouraged to consult with a qualified attorney regarding their specific situation.
Advanced Wealth Planning for Business Owners & Investors
Supporting business owners, professionals, and high-income households navigating complex financial decisions, competing priorities, and major financial transitions.
Many business owners reach a point where traditional planning is no longer enough. As income grows, business value increases, and future transition decisions become more significant, planning often requires a more coordinated approach across cash flow, tax awareness, key-person retention, and long-term ownership strategy.
This area is typically most relevant for business owners, professionals, and households with more complex financial structures or upcoming financial transitions.
When This Type of Planning Becomes Important
- Preparing for a business sale, liquidity event, or other major transition
- Experiencing a significant increase in income or business profitability
- Looking for ways to improve tax efficiency while protecting cash flow
- Exploring strategies to retain and reward key employees
- Planning for succession, continuity, or ownership changes
- Coordinating business decisions with personal retirement and legacy goals
Coordinating personal and business financial decisions into a unified strategy that supports day-to-day operations and long-term goals.
Helping business owners evaluate strategies designed to attract, retain, and reward key leadership while aligning incentives with long-term business success.
Exploring approaches that go beyond salary and standard benefits to help support retention and align incentives.
Reviewing retirement plan designs that may support tax efficiency, long-term savings, and employee retention.
Evaluating flexible compensation strategies for key executives that extend beyond qualified plan contribution limits.
Reviewing advanced retirement plan strategies designed to maximize tax-deferred savings for eligible business owners and professionals.
Exploring bonus-based strategies that may help reward and retain key employees in a tax-aware manner.
Reviewing retirement plan options for business owners and key employees as part of a broader planning strategy.
Planning ahead for major financial decisions, liquidity events, and ownership transitions with an emphasis on tax awareness, cash-flow preservation, and long-term value.
Coordinating planning strategies in advance of major transactions or liquidity events to help evaluate ways to reduce tax friction and improve overall tax efficiency over time.
Depending on your situation, more advanced strategies may be explored in coordination with your tax and legal professionals. These approaches are not appropriate for all clients and may involve varying levels of risk, complexity, cost, and liquidity constraints.
- Structured Installment Sales — may help spread recognition of gains over time and convert proceeds into installment-based income
- Charitable Remainder Trusts — may be evaluated as part of charitable, income, and tax-aware planning
- Cost Segregation Planning (Coordination) — may help accelerate depreciation for certain real estate holdings when appropriate
- Deferred Sales Trusts (DST) — may be evaluated in certain cases involving highly appreciated assets or business sale planning
Preparing for ownership changes, unexpected events, and long-term business continuity through structured planning.
Helping evaluate succession and continuity strategies that support more intentional ownership changes over time.
Planning for unexpected events and ownership transitions with the goal of helping protect business value and operational continuity.
Coordinating planning discussions around funded agreements that may help structure ownership transitions and protect business partners.
Bringing together complex planning elements — such as concentrated wealth, liquidity events, insurance planning, tax-sensitive decisions, and long-term income considerations — into a coordinated strategy aligned with your overall financial plan.
- Understand your broader financial and business picture
- Identify planning areas where taxes, cash flow, and long-term goals may intersect
- Coordinate with your CPA, attorney, and other professionals where appropriate
- Evaluate multiple planning approaches based on your goals, timeline, and risk considerations
- Help implement selected strategies through the appropriate professionals and service providers
- Monitor and adjust the planning approach as circumstances evolve
All advanced planning strategies are evaluated in coordination with appropriate tax and legal professionals. Prosperity Planning & Advisory does not provide tax or legal advice. Insurance or other non-advisory products, where applicable, are offered separately outside the advisory relationship. Clients are under no obligation to implement any recommendation or purchase any product through any affiliated or separate capacity.
Start Your Financial Journey
Explore how these strategies may apply to your situation and long-term goals.
Schedule Your Complimentary Strategy ReviewWoodland Hills Office Visits by Appointment
Woodland Hills, CA 91367
Create Your Financial Plan With Us
No question is too small when it comes to your future. Talk to an adviser today and make confident financial decisions.
