Frequently Asked Questions
Questions? We Have Answers.
Have questions about how we work, who we serve, and what to expect? Below are answers to some of the most common questions we receive.
At Prosperity Planning and Advisory, we take a comprehensive, fiduciary approach to financial planning built around a structured process designed to bring greater clarity, organization, and long-term direction to your financial life. Our planning may include consideration of tax-related factors as part of your overall strategy, and we coordinate with your CPA and attorney where appropriate. We do not provide tax or legal advice.
This page is designed for individuals, families, and business owners evaluating whether our approach is the right fit, especially those approaching retirement, already retired, or seeking more intentional financial direction.
Getting Started
Your first meeting is a discovery conversation focused on understanding your goals, current financial picture, and key concerns. There is no pressure — our goal is simply to determine whether there is a good fit and provide initial clarity on possible next steps.
Getting started is simple. You can schedule an initial consultation through our website, and we will guide you through the next steps based on your situation and goals.
We offer an introductory consultation designed to help determine fit and provide clarity on how we may be able to help.
You do not need to have everything perfectly organized. Helpful items may include recent statements, income information, and any existing financial plans — but the goal is simply to begin the conversation.
Who We Work With
We primarily work with pre-retirees, retirees, and small business owners who are looking for a more structured, intentional, and coordinated approach to their financial lives.
Yes. We work with business owners to help integrate personal and business planning, including cash flow strategy, retirement planning, and coordinated planning that may include consideration of tax-related matters in alignment with their CPA or tax professional.
While we are based in California, we may work with clients in other states depending on applicable registration and regulatory requirements.
Yes. We offer both virtual and in-person meetings, allowing us to work with clients regardless of location.
Services & Planning Approach
Financial planning is the foundation. It may include retirement planning, cash flow strategy, risk management, and coordination with other professionals. Investment management is one component of that broader plan and is used to support your overall strategy rather than drive it.
We primarily focus on ongoing advisory relationships so your plan can be reviewed and adjusted as your life and financial circumstances change over time.
Yes. We refer to this as Strategy Spending — a structured approach to managing cash flow, aligning spending with your priorities, and helping align your financial decisions with your long-term goals.
Depending on your needs, planning may include retirement planning, investment strategy, risk management, college planning, and other financial planning considerations. Where appropriate, we also coordinate with your CPA or tax professional regarding tax-related planning considerations.
Coordination With Other Professionals
No. We do not provide tax or legal advice. However, we may incorporate tax-related considerations into your financial planning and coordinate with your CPA, tax professional, or attorney as needed.
We collaborate with your existing professionals to help improve alignment across your overall financial plan, including areas involving tax considerations and estate planning coordination.
Absolutely. We are happy to work alongside your trusted professionals as part of a coordinated planning approach.
Fees, Accounts & Logistics
We focus on working with individuals and families who are serious about building and maintaining a long-term financial strategy. Certain services may have minimums, but the most important factor is whether there is a strong fit for our planning approach.
We are a fee-based advisory firm. Compensation may include advisory fees for investment management and planning services. In certain situations outside of the advisory relationship, insurance products may be recommended through a separate, non-advisory capacity, and any associated compensation would be fully disclosed. Clients are under no obligation to implement any recommendation or purchase any product through us.
Yes, investment management can be part of an ongoing advisory relationship when appropriate for your plan.
Meeting frequency depends on your needs, but we maintain ongoing communication and periodic reviews to help keep your plan aligned with your goals.
In some cases, yes. We can discuss the most appropriate structure based on your situation and what you are looking to accomplish.
Termination rights and any applicable fee treatment are governed by your client agreement. We are happy to walk through those terms with you before you move forward.
Additional Questions
Our approach is centered on comprehensive planning first — not just investments. We focus on coordinating multiple areas of your financial life, including cash flow, retirement planning, and other long-term planning considerations, rather than looking at investments in isolation.
Our primary focus is providing advice through a fiduciary advisory relationship. In certain situations, insurance products may be offered through a separate, non-advisory capacity, and any associated compensation would be fully disclosed. Clients are never obligated to purchase any recommended product.
Our relationship is designed to be ongoing and to evolve with your life. We provide structured planning, regular reviews, and continuing guidance to help you make informed decisions as your circumstances change.
Prosperity Planning and Advisory does not provide tax or legal advice. All tax-related matters should be reviewed with a qualified tax professional, and legal matters should be addressed with an attorney. Insurance products, if offered, are provided outside of the advisory relationship through a separate, non-advisory capacity, and any associated compensation would be disclosed separately.
Still Have Questions?
If you have additional questions or would like to explore whether this is the right fit, we invite you to schedule a conversation.
