Prana Wealth Management LLC

Prana Wealth Management LLC serves individuals (including high‑net‑worth clients), charitable organizations, corporations, trusts, and estates, offering comprehensive financial planning and discretionary investment management. The firm’s planning services cover areas such as retirement and estate planning, cash flow and debt management, college savings, business planning, insurance reviews, and tax‑aware investment analysis, and it may facilitate implementation through custodians and third‑party providers.

The firm’s investment approach is grounded in Modern Portfolio Theory and primarily uses passive strategies—index mutual funds and ETFs—to achieve broad diversification, while also incorporating fundamental, technical, and cyclical analyses when selecting or timing exposures. Client portfolios are constructed from individualized investment policy statements, rebalanced at the firm’s discretion, and managed on a discretionary basis with regular reviews and ongoing planner access under its subscription and retainer planning arrangements.

Noteworthy elements disclosed in the brochure include the firm’s educational and outreach activities—operating the “How To Retire” YouTube channel through a separate media entity (Prana Media LLC) and conducting seminars/workshops—which can create sponsorship‑related conflicts when sponsors are recommended to clients. The firm also refers clients to outside financial planning advisors (receiving a share of those fees) and provides comprehensive planning to larger advisory relationships at no additional charge, reflecting a small, hands‑on practice with explicit disclosures about media and referral conflicts.