PRS Wealth Management

PRS Wealth Management provides investment advisory and financial planning services to individual and high‑net‑worth clients, including ongoing discretionary portfolio management, IRA rollover guidance, and one‑time financial plans addressing retirement, tax, insurance, and college planning. The firm typically recommends mutual funds and ETFs but may also advise on fixed income instruments, Treasury inflation‑protected securities, and annuities when appropriate.

The firm builds client‑specific allocations using Modern Portfolio Theory, documents risk tolerance through an Investment Approach Questionnaire, and conducts periodic portfolio reviews while generally exercising discretionary trading authority. While oriented toward long‑term management, PRS also uses margin and options trading (including uncovered options and spread strategies), which carry materially greater risks than the long‑only approaches common among many peers.

Distinctive aspects include the firm’s scale — approximately $59.9 million in discretionary assets and $7.1 million in non‑discretionary assets as of February 14, 2026 — and its custody arrangement that directs clients to specific custodians (Altruist or Schwab) and receives institutional services that may create soft‑dollar conflicts of interest. The brochure also discloses the firm’s use of AI tools to record and transcribe meetings (with related AI, political, and cybersecurity risk disclosures) and that financial planning engagements are generally delivered as a single plan unless additional services are arranged.