Prosperity Pathways™ Portfolios
Personalized Investment Guidance
Prosperity Pathways™ are thoughtfully designed portfolio models that help turn your financial goals into a clear, disciplined investment strategy. Each pathway reflects different priorities, time horizons, income needs, and comfort with market risk, allowing us to recommend an approach aligned with your broader financial plan.
Your investment strategy should be more than a collection of investments. It should be a coordinated path shaped by fiduciary guidance, disciplined principles, and a clear understanding of what you are working toward. Because no two financial lives are alike, we evaluate your goals, timeline, risk tolerance, income needs, and overall circumstances before recommending a Prosperity Pathway.
The Stability Path
Preserve what you've built.
The Stability Path emphasizes high-quality fixed income and measured equity exposure for investors who place greater importance on stability, income potential, and reducing the impact of market fluctuations. It may be appropriate for those approaching retirement, drawing income, or seeking a more conservative investment experience.
“Pursue stability with purpose”
The Momentum Path
Balance growth and security.
The Momentum Path combines diversified equity and fixed-income exposure to balance long-term growth potential with greater attention to market risk. It may be appropriate for investors who want continued growth but prefer a more balanced experience than an equity-focused strategy. This pathway may also serve clients moving from their peak accumulation years toward retirement and income planning.
“Balanced progress toward what matters most.”
The Prosperity Path
Grow your wealth with discipline.
The Prosperity Path uses broad diversification and a growth-oriented allocation for investors seeking to build wealth over time. It is generally designed for those with longer investment horizons who understand that meaningful growth potential comes with periods of market volatility and decline.
“Build wealth with intention and discipline.”
The Freedom Path
Seek stronger long-term capital growth through greater equity exposure.
The Freedom Path is an equity-focused portfolio pathway designed for investors seeking stronger long-term growth potential and willing to accept greater fluctuations along the way. It combines broad U.S. and international market exposure with selective growth and quality allocations while maintaining a disciplined approach to diversification. This pathway may be appropriate for investors with long time horizons, strong tolerance for market declines, and goals such as financial independence, long-term wealth accumulation, or future opportunity. Prosperity may recommend periodic allocation or rebalancing changes, which the client decides whether and how to implement through the client’s account provider.
“Pursue greater opportunity with a long-term perspective.”
The Legacy Path
Build long-term growth that endures beyond your lifetime.
The Legacy Path emphasizes diversified, long-term equity exposure for investors focused on building and preserving wealth across generations. It may support goals such as family wealth, charitable giving, estate planning, and leaving resources for future beneficiaries, while recognizing that long-term growth strategies remain subject to significant market risk.
“Invest with generations in mind.”
The Purpose Path
Invest with meaning.
The Purpose Path offers values-aware investment guidance for clients who want their portfolio choices to reflect environmental, social, governance, faith-based, or other personal priorities. Recommendations may include diversified funds and selected thematic investments while considering risk, cost, concentration, and the potential tradeoffs involved in values-based investing.
“Align your investments with what matters to you.”
Guidance That Keeps You Informed and in Control
Our role extends beyond selecting a portfolio model. We evaluate your financial circumstances, explain the reasoning behind our recommendations, and help you understand how a proposed allocation fits within your broader financial plan. As your goals, finances, or market circumstances change, we may recommend updates to your allocation, investments, or rebalancing strategy. You retain authority over your accounts and decide whether to implement each recommendation through your custodian, broker-dealer, retirement plan provider, or other account provider.
Based on the services included in your engagement, you may also receive periodic planning reviews and secure access to information used to evaluate your financial progress.
Our Fiduciary Commitment
Your interests come first. As a fiduciary adviser, Prosperity provides recommendations based on your financial circumstances and is obligated to act in your best interest.
We seek to explain material risks, costs, limitations, and conflicts clearly so you can make informed decisions with greater confidence.
Your Path. Your Plan. Your Prosperity.
Each Prosperity Pathway™ recommendation is built on a disciplined foundation of:
- Diversified allocation across appropriate asset classes
- Portfolio recommendations aligned with your goals and risk profile
- Thoughtful attention to cost, tax considerations, and account type
- Periodic review as your circumstances and priorities evolve
- Clear recommendations with implementation decisions remaining in your control
Your investment strategy deserves more than guesswork or a one-size-fits-all portfolio. Discover how fiduciary guidance and a personalized Prosperity Pathway can bring greater structure and purpose to your investment decisions. Explore Your Prosperity Pathway Schedule a consultation to discuss your goals, investment preferences, and the portfolio approach that may be appropriate for you.
Schedule a conversation →Prosperity Planning and Advisory, LLC is a registered investment adviser in the State of California. Registration does not imply a certain level of skill or training. The information presented on this page is general and informational and is not a personalized investment recommendation for any particular person. Prosperity Pathways™ are model portfolio frameworks that may be used to support individualized, non-discretionary investment recommendations. A particular pathway may not be appropriate for every investor. Before recommending a portfolio approach, Prosperity evaluates relevant client circumstances, including financial goals, risk tolerance, time horizon, liquidity and income needs, account type, tax considerations, investment experience, preferences, and other material factors. Prosperity does not maintain standing trading authority or make investment changes in client accounts without client approval. Clients retain control over their accounts and decide whether to accept, reject, or modify each recommendation. Clients are responsible for directing or implementing approved recommendations through their custodian, broker-dealer, retirement plan provider, or other account provider. Prosperity may provide guidance and reasonable assistance with client-directed implementation as permitted by the client’s advisory agreement and applicable account-provider procedures. Actual allocations and investment selections may differ from a model based on the client’s circumstances and the scope of the advisory engagement. Any recommended allocation may also change as the client’s goals, financial circumstances, or investment needs evolve. No Prosperity Pathway™ guarantees performance or assures that a client will achieve a particular financial objective.
All investments involve risk, including market fluctuations and the possible loss of principal. Diversification and asset allocation do not guarantee a profit or protect against loss. Past performance does not guarantee future results. ESG, values-based, thematic, or other investment constraints may limit available investments, reduce diversification, increase concentration, and cause performance to differ from broader market benchmarks. Nothing on this page constitutes an offer to buy or sell a security or a personalized recommendation to participate in a particular investment strategy. Advisory services are provided only under a written client agreement and after delivery of applicable disclosures, including Prosperity’s Form ADV Part 2A and the applicable Form ADV Part 2B brochure supplement.
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