# Prospettiva Financial

> Prospettiva Financial is an SEC-registered investment advisory firm in San Francisco, CA, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 17, 2026.

- CRD: 148760
- Filed as: PROSPETTIVA FINANCIAL
- Legal name: Prospettiva Financial LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Francisco, CA
- Filing period: October 2026
- Form ADV filing dated: March 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/148760
- AdvisorCensus page: https://advisorcensus.com/firm/prospettiva-financial-san-francisco-ca-148760

## Quick answers

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

**How much does Prospettiva Financial charge?**
Its Form ADV Part 2A brochure dated March 17, 2026 states: Flat fee: $10,000 to $20,000 (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Prospettiva Financial located?**
Prospettiva Financial's principal office is in San Francisco, CA, according to its Form ADV.

**Is Prospettiva Financial registered with the SEC or a state?**
Prospettiva Financial is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 148760.

**How much does Prospettiva Financial manage?**
Prospettiva Financial reports $128,665,439 in regulatory assets under management in its Form ADV filing dated March 17, 2026 (100% discretionary).

**How have Prospettiva Financial's assets and staff changed since 2022?**
In the Form ADV data for Prospettiva Financial: Regulatory assets under management: $114,154,284 in the October 2022 data and $128,665,439 in the October 2026 data, up 13%. Total employees: 4 in October 2022 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Prospettiva Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (250); individuals (other than high net worth individuals) (44).

**Which custodians does Prospettiva Financial use?**
Prospettiva Financial'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.

**Does Prospettiva Financial 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/148760

**What changed in Prospettiva Financial's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $115,975,033 to $128,665,439 (+11%).

## 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 March 17, 2026)

- Flat fee: $10,000 to $20,000 (financial planning services)

> We charge on a flat fee basis for financial planning services. The total estimated fee, as well as the ultimate fee that we charge you, is based on the scope and complexity of our engagement with you. Flat fees range from $ 10,000 to $20,000.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $128,665,439
- Discretionary: $128,665,439
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 44 | $7,250,374 |
| High net worth individuals | 250 | $104,190,205 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $3,905,512 |
| Charitable organizations | Fewer than 5 | $13,319,348 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2022 (4 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, MT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- prospettivafinancial.com
- Facebook @PROSPETTIVAFINANCIAL
- LinkedIn @prospettiva-financial-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $114,154,284 | 4 | April 25, 2022 |
| October 2023 | $93,803,857 | 3 | January 25, 2023 |
| October 2024 | $106,527,220 | 4 | July 12, 2024 |
| October 2025 | $115,975,033 | 3 | February 10, 2025 |
| October 2026 | $128,665,439 | 3 | March 17, 2026 |

Regulatory assets under management: $114,154,284 in the October 2022 data and $128,665,439 in the October 2026 data, up 13%.
Total employees: 4 in October 2022 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $115,975,033 to $128,665,439 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Prospettiva Financial (CRD 148760): Form ADV filing data as of October 2026.