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The Prudent Planner, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,250,000
Clients
6
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
6
Very LowAverage account size
$208,333
About
The firm provides financial planning, investment consultation, and portfolio management primarily for individual clients and small businesses, with services that include retirement, estate, education and tax‑related planning. Like many independent advisers it offers ongoing portfolio management and periodic plan reviews, and it manages a modest asset base while also offering complimentary educational workshops.
Its investment approach is grounded in Modern Portfolio Theory and the Efficient Market Hypothesis, emphasizing diversified, low‑cost and tax‑aware allocations, long‑term buy‑and‑hold strategies, and periodic rebalancing. Portfolios are managed largely on a non‑discretionary basis—requiring client approval for trades—and the firm may engage third‑party managers, including a specialist arrangement for liability‑driven investing, to implement specific strategies.
The firm is notable among peers for its primarily non‑discretionary account model and its routine offering of educational seminars, both of which are uncommon for independent advisers. In addition, the firm’s principal maintains a full‑time regulatory examiner role and uses third‑party partnerships for specialized solutions, which together shape its compliance orientation and focus on retirement income planning.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Cash flow / budgeting
Divorce financial planning
College savings (529s, UTMA, etc.)
General retirement planning
Retirement withdrawal strategies
Fee options
Fixed fees for financial planning: $1,500 to $3,000 per plan
$0 - $249,999: 1.25% annually $250,000 - $499,999: 1.00% annually $500,000 - $999,999: 0.85% annually $1,000,000 - $2,499,999: 0.75% annually $2,500,000 - $4,999,999: 0.65% annually $5,000,000 - Above: 0.50% annually
$125 per hour for limited planning engagements
Fee-only: Financial planning fixed fees $1,500 to $3,000 per plan; hourly fee $125 per hour for limited planning components
Main office location
The Prudent Planner, LLC
333 Pierpont Avenue, Suite 4
Salt Lake City UT 84101-1712, United States
Number of offices
1
Most active in
The Prudent Planner, LLC has reported serving >5 clients in these states in the last 12 months.
Utah
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
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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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