Prudent Money Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$31,558,985
Total clients
161
30% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
161
Average account size
$196,019
About
Prudent Money Financial Services provides fee-based investment management and personal financial planning primarily for individuals, while also serving pension and profit-sharing plans, trusts, estates, and other institutional-type clients. The firm acts as a fiduciary for retirement accounts and its principals are licensed insurance agents who may recommend insurance products as part of plan implementation.
The firm follows an actively managed, contrarian approach that seeks to position portfolios for both bull and bear markets using strategic and tactical asset allocation, trend analysis, and diversification. Its investment framework is organized around a core mutual-fund sleeve, a fixed/guaranteed income sleeve, a market-direction sleeve that can employ inverse (and occasionally leveraged) funds for hedging, and a sector/trading sleeve, with client risk profiles determined by discovery and an optional 10-question online assessment.
Noteworthy features relative to peers include a bi-weekly client letter and an ongoing radio program, periodic seminars and workshops (often offered at no cost to participants), and operation of a nonprofit foundation that sponsors the radio show. The combination of public education activities, the firm’s role as an insurance broker/agent, and its willingness to manage institutional accounts and use inverse/indexed funds for market-direction strategies are less common among independent advisers of this size.
Client services
Financial planning
Portfolio management
Newsletters or periodicals
Educational seminars or workshops
Author, public speaking, radio show
Expertise
Active portfolio management
Debt management
Cash flow / budgeting
Fee options
$50,000 - $500,000: 1.50% $500,000 - $1,000,000: 1.00% $1,000,000 - $1,999,999: 0.85% $2,000,000 - $2,999,999: 0.70% $3,000,000+: Negotiable
Commissions may be earned on insurance products recommended through affiliated persons; PMFS does not share in brokerage or transaction fees
Up to $200 per hour for financial planning services; $60 per hour for back-office and administrative services
Account minimum: $50,000 Minimum fee: $200 one-time portfolio management and consultation fee Fee-only: Hourly planning fees up to $200/hour for advisory services; reduced rate $60/hour for administrative services
Main office location
Prudent Money Financial Services
16633 Dallas Parkway, Suite 275
Addison TX 75001, United States
Number of offices
1
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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