{
  "crd_number": 309663,
  "slug": "prepared-retirement-institute-llc-montgomeryville-pa-309663",
  "primary_business_name": "PREPARED RETIREMENT INSTITUTE LLC",
  "legal_name": "PREPARED RETIREMENT INSTITUTE LLC",
  "dbas": [],
  "city": "Montgomeryville",
  "state": "PA",
  "country": "United States",
  "cbsa_code": "37980",
  "metro": {
    "cbsa_code": "37980",
    "common_name": "Philadelphia",
    "msa_name": "Philadelphia-Camden-Wilmington, PA-NJ-DE-MD",
    "path": "/advisors/pa/philadelphia"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2021-09-30",
  "years_registered": 5,
  "period": "2026-10-01",
  "filing_date": "2026-05-01",
  "carried_forward": false,
  "raum_total": 307554271.0,
  "raum_discretionary": 307554271.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 11,
  "advisory_employees": 4,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 1522158.0,
      "count": 5,
      "description": "SIMPLE IRA PLAN, PRIS 401K PLAN, IRREVOCABLE TRUSTS"
    },
    "individuals": {
      "raum": 94043851.0,
      "count": 171
    },
    "pension_profit_sharing": {
      "raum": 8702907.0,
      "count": 1,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 199791735.0,
      "count": 81
    },
    "corporations_other_businesses": {
      "raum": 3493620.0,
      "count": 1,
      "fewer_than_5": true
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "MD",
    "NJ",
    "PA",
    "TX",
    "VA"
  ],
  "websites": [
    "https://facebook.com/people/Prepared-Retirement-Institute/100089898574480",
    "https://linkedin.com/company/preparedretirementinstitute/posts?feedView=all",
    "https://preparedretirementinstitute.com",
    "https://thewidowempowerment.blubrry.net"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309663",
  "city_as_filed": "MONTGOMERYVILLE",
  "url": "https://advisorcensus.com/firm/prepared-retirement-institute-llc-montgomeryville-pa-309663",
  "display_name": "Prepared Retirement Institute LLC",
  "summary": "Prepared Retirement Institute LLC is an SEC-registered investment advisory firm in Montgomeryville, PA, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 1, 2026.",
  "citation": "AdvisorCensus. Prepared Retirement Institute LLC (CRD 309663): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Prepared Retirement Institute LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Prepared Retirement Institute LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "How much does Prepared Retirement Institute LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated May 1, 2026 states: Hourly rate: $600 an hour (creation of a one-time financial plan). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Prepared Retirement Institute LLC located?",
      "a": "Prepared Retirement Institute LLC's principal office is in Montgomeryville, PA, according to its Form ADV."
    },
    {
      "q": "Is Prepared Retirement Institute LLC registered with the SEC or a state?",
      "a": "Prepared Retirement Institute LLC is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 309663."
    },
    {
      "q": "How much does Prepared Retirement Institute LLC manage?",
      "a": "Prepared Retirement Institute LLC reports $307,554,271 in regulatory assets under management in its Form ADV filing dated May 1, 2026 (100% discretionary)."
    },
    {
      "q": "How have Prepared Retirement Institute LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Prepared Retirement Institute LLC: Regulatory assets under management: $107,953,322 in the October 2021 data and $307,554,271 in the October 2026 data, up 185%. Total employees: 5 in October 2021 and 11 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Prepared Retirement Institute LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (171); high net worth individuals (81); other (5)."
    },
    {
      "q": "Which custodians does Prepared Retirement Institute LLC use?",
      "a": "Prepared Retirement Institute LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Prepared Retirement Institute LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/309663"
    },
    {
      "q": "Does Prepared Retirement Institute LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated May 1, 2026 says: \"*We require a minimum of $100,000 to open and maintain an advisory account.\" \"In general, we require a minimum of $100,000 to open and maintain an advisory account. At our discretion, we may waive this minimum account size.\""
    },
    {
      "q": "What changed in Prepared Retirement Institute LLC's recent Form ADV filings?",
      "a": "In the June 2026 filing data: Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 107953322.0,
      "total_employees": 5,
      "filing_date": "2021-09-01"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 122639082.0,
      "total_employees": 4,
      "filing_date": "2022-03-02"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 190864571.0,
      "total_employees": 7,
      "filing_date": "2023-07-27"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 280980506.0,
      "total_employees": 7,
      "filing_date": "2024-03-14"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 300970590.0,
      "total_employees": 9,
      "filing_date": "2025-03-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 307554271.0,
      "total_employees": 11,
      "filing_date": "2026-05-01"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-06-01",
      "period_label": "June 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Employees performing advisory functions went from 2 to 4.",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 1, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $600 an hour (creation of a one-time financial plan)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "*We require a minimum of $100,000 to open and maintain an advisory account.",
          "In general, we require a minimum of $100,000 to open and maintain an advisory account. At our discretion, we may waive this minimum account size."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $600 an hour (creation of a one-time financial plan)"
        ],
        "quotes": [
          "The creation of a one-time financial plan is billed at an hourly fee of $600 per hour (at a minimum of five [5] hours) due and payable in advance of services rendered."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 100000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 600.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "creation of a one-time financial plan"
        }
      ]
    },
    "quotes": [
      "*We require a minimum of $100,000 to open and maintain an advisory account.",
      "In general, we require a minimum of $100,000 to open and maintain an advisory account. At our discretion, we may waive this minimum account size.",
      "The creation of a one-time financial plan is billed at an hourly fee of $600 per hour (at a minimum of five [5] hours) due and payable in advance of services rendered."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.",
  "markdown_url": "https://advisorcensus.com/firm/prepared-retirement-institute-llc-montgomeryville-pa-309663.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 171,
      "fewer_than_5": false,
      "raum": 94043851.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 81,
      "fewer_than_5": false,
      "raum": 199791735.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 1,
      "fewer_than_5": true,
      "raum": 8702907.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 1,
      "fewer_than_5": true,
      "raum": 3493620.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 5,
      "fewer_than_5": false,
      "raum": 1522158.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/309663",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}