Provident Living Advisors LLC

Provident Living Advisors LLC provides fee‑based discretionary asset management, financial planning and ERISA retirement‑plan advisory to individuals, trusts, estates, charitable organizations and business entities. Like many supported firms, it serves both individual and high‑net‑worth clients and charges advisory fees based on a percentage of assets under management.

The firm’s investment process uses a mix of fundamental, technical, charting and cyclical analysis and emphasizes long‑term purchase strategies with ongoing portfolio monitoring and discretionary trading authority. It also offers retirement plan services and can serve as either a 3(21) fiduciary (non‑discretionary advisor) or a 3(38) investment manager (discretionary selection and monitoring of plan options), including IPS development and participant education.

A noteworthy characteristic is an affiliated accounting and tax‑preparation practice maintained by the firm’s principals; the brochure discloses that one principal devotes roughly 80% of their time to that practice while the other devotes about 5%, and that tax services may be offered to clients with related conflicts addressed through disclosure and firm procedures. Operationally, the firm does not sell insurance products, does not act as custodian of client assets, participates in a national custody program for execution and custody, and generally does not vote client proxies unless asked to provide recommendations.