# Prosperity Planning

> Prosperity Planning is an SEC-registered investment advisory firm in North Kansas City, MO, registered since 2018, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated September 21, 2026.

- CRD: 298268
- Filed as: PROSPERITY PLANNING
- Legal name: Prosperity Planning, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: North Kansas City, MO
- Filing period: October 2026
- Form ADV filing dated: September 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/298268
- AdvisorCensus page: https://advisorcensus.com/firm/prosperity-planning-north-kansas-city-mo-298268

## Quick answers

**How is Prosperity Planning compensated?**
On its Form ADV (Item 5.E, October 2026), Prosperity Planning reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Prosperity Planning charge?**
Its Form ADV Part 2A brochure dated May 15, 2026 states: Subscription: $750 to $2,500 a quarter (financial planning services); Subscription: $500 a month (ongoing divorce financial planning). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Prosperity Planning located?**
Prosperity Planning's principal office is in North Kansas City, MO, according to its Form ADV.

**Is Prosperity Planning registered with the SEC or a state?**
Prosperity Planning is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 298268.

**How much does Prosperity Planning manage?**
Prosperity Planning reports $543,207,022 in regulatory assets under management in its Form ADV filing dated September 21, 2026 (98% discretionary).

**How have Prosperity Planning's assets and staff changed since 2021?**
In the Form ADV data for Prosperity Planning: Regulatory assets under management: $294,308,199 in the October 2021 data and $543,207,022 in the October 2026 data, up 85%. Total employees: 11 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Prosperity Planning serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (206); high net worth individuals (177); charitable organizations (23).

**Which custodians does Prosperity Planning use?**
Prosperity Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Prosperity Planning report any disciplinary disclosures?**
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/298268

**What changed in Prosperity Planning's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $465,026,622 to $543,207,022 (+17%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated May 15, 2026)

- Subscription: $750 to $2,500 a quarter (financial planning services)

> Fees for this service range from $750-$2500 per quarter and are determined based on the nature of the services being provided and the complexity of each client’s circumstances.

- Subscription: $500 a month (ongoing divorce financial planning)

> Fees for this service have an up-front fee of $2,500 plus a monthly fee of $500 for ongoing divorce financial planning.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC

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.

### Regulatory assets under management (Item 5.F)
- Total: $543,207,022
- Discretionary: $533,612,925
- Non-discretionary: $9,594,097

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 206 | $78,328,994 |
| High net worth individuals | 177 | $448,780,580 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $8,867,736 |
| Charitable organizations | 23 | $6,592,385 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | Fewer than 5 | $637,327 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services

### Firm details
- Registered since: 2018 (8 years)
- Employees: 13 total, 10 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, KS, MO, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- prosperityplanninginc.com
- Facebook facebook.com
- LinkedIn @prosperity-planning-inc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $294,308,199 | 11 | June 18, 2021 |
| October 2022 | $370,348,986 | 12 | August 24, 2022 |
| October 2023 | $342,073,314 | 11 | August 8, 2023 |
| October 2024 | $416,710,344 | 11 | September 10, 2024 |
| October 2025 | $465,026,622 | 13 | June 3, 2025 |
| October 2026 | $543,207,022 | 13 | September 21, 2026 |

Regulatory assets under management: $294,308,199 in the October 2021 data and $543,207,022 in the October 2026 data, up 85%.
Total employees: 11 in October 2021 and 13 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $465,026,622 to $543,207,022 (+17%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Prosperity Planning (CRD 298268): Form ADV filing data as of October 2026.