Prudent Prospera Planning, Inc.

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Client assets under management

Clients

0% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

About

Prudent Prospera Planning, Inc. provides financial planning and related advisory services to individuals, high net worth individuals, corporations and other business entities, producing written financial plans that address retirement, tax, estate, insurance and cash‑management issues. The firm does not directly manage client assets; instead it recommends and monitors independent third‑party investment advisers for portfolio management.

The firm’s advice is grounded in asset allocation and an analysis of clients’ goals, risk tolerance and financial circumstances, and it uses third‑party advisers to implement investment strategies after due diligence on registration, fees, reputation and reporting capabilities. Portfolio implementation, trade execution and custody are handled by the recommended advisers while Prudent Prospera conducts periodic monitoring and annual client reviews.

Notable distinctions include the principal’s status as a licensed insurance agent who devotes substantial time to insurance services and may receive commissions on recommended insurance products, a disclosed conflict of interest the firm addresses in its brochure. The firm also operates as a solicitor for third‑party investment advisers—sharing a portion of those advisers’ management fees and disclosing those arrangements to clients—rather than providing direct discretionary management, and it describes procedures intended to mitigate the resulting conflicts.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

General retirement planning Wealth management General tax planning Life insurance needs analysis

Fee options

Fixed

Fixed financial planning fee ranges from $1,000 to $5,000 (negotiable)

Commissions

Commission from insurance products if purchased through representative; solicitor fees from third party investment advisers up to 50% of their management fee

Project-based

$250 per hour (negotiable)

Other

Fee-only: Financial Planning Services: $250 per hour (hourly rate negotiable); Fixed fee ranges from $1,000 to $5,000 (negotiable)

Main office location

Prudent Prospera Planning, Inc.

5506 Sunol Blvd, Suite 205

Pleasanton CA 94566, United States

Number of offices

Most active in

Arizona · California · Louisiana · Texas

Disclosures

Business activities & affiliations

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.

Bank

They're affiliated with a bank that may offer its own financial products and services.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 925-523-3459

Advisors at this firm

Jonathan I

Series 63, Series 65

Fountain Hills, AZ

Prudent Prospera Planning, Inc.

Jonathan Illig is a financial advisor with Prudent Prospera Planning, Inc. in Fountain Hills, AZ, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at ARP Advisors, LLC, Gebhardt Group, Inc., and Advanced Retirement Planning, LLC, where he also engages in insurance sales and consulting for independent agents. Prudent Prospera Planning serves individuals, high-net-worth clients, and business entities by providing comprehensive financial and tax planning, insurance recommendations, and coordinating with independent third-party advisers for investment management. The firm emphasizes tailored asset-allocation strategies and regular client reviews while acting as a solicitor for investment implementation.

General retirement planning Wealth management General tax planning Life insurance needs analysis

Atul D

CFP®, Series 63, Series 65, Series 66

Pleasanton, CA

Prudent Prospera Planning, Inc.

Atul Dubal is a financial advisor with Prudent Prospera Planning, Inc. in Pleasanton, CA, holding the CFP® designation and several securities licenses with 21 years of industry experience. He has been with Prudent Prospera Planning since 2015 and also operates as a licensed insurance agent through SaveOnTerms.com. Additionally, he spends time on tax planning activities in collaboration with CPA firms. Prudent Prospera Planning serves individuals, high-net-worth clients, and business entities by providing comprehensive financial and tax planning, insurance recommendations, and coordinating with independent third-party investment advisers. The firm emphasizes tailored asset-allocation strategies and ongoing client reviews while acting as a solicitor rather than directly managing client assets.

General retirement planning Wealth management General tax planning Life insurance needs analysis

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