# Provident Living Financial Services

> Provident Living Financial Services is an SEC-registered investment advisory firm in Lehi, UT, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 5, 2026.

- CRD: 282665
- Filed as: PROVIDENT LIVING FINANCIAL SERVICES
- Legal name: Provident Living Financial Services, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lehi, UT
- Filing period: October 2026
- Form ADV filing dated: March 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/282665
- AdvisorCensus page: https://advisorcensus.com/firm/provident-living-financial-services-lehi-ut-282665

## Quick answers

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

**Where is Provident Living Financial Services located?**
Provident Living Financial Services' principal office is in Lehi, UT, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Provident Living Financial Services registered with the SEC or a state?**
Provident Living Financial Services is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 282665.

**How much does Provident Living Financial Services manage?**
Provident Living Financial Services reports $158,102,043 in regulatory assets under management in its Form ADV filing dated March 5, 2026 (100% discretionary).

**How have Provident Living Financial Services' assets and staff changed since 2025?**
In the Form ADV data for Provident Living Financial Services: Regulatory assets under management: $130,387,563 in the October 2025 data and $158,102,043 in the October 2026 data, up 21%. Total employees: 2 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Provident Living Financial Services serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (183); high net worth individuals (62); charitable organizations (5).

**Which custodians does Provident Living Financial Services use?**
Provident Living Financial Services' 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 Provident Living Financial Services 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/282665

**What changed in Provident Living Financial Services' recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 2 to 3. Regulatory assets under management went from $130,387,563 to $158,102,043 (+21%).

## From the Form ADV filing

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

### 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: $158,102,043
- Discretionary: $158,102,043
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 183 | $51,857,329 |
| High net worth individuals | 62 | $96,291,825 |
| 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) | 3 | $4,707,637 |
| Charitable organizations | 5 | $1,311,440 |
| 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 | 1 | $3,933,812 |

### 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)
- Educational seminars/workshops

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, ID, TX, UT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Atwater, CA

### Websites listed on Form ADV (Item 1.I)
- getprovident.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $130,387,563 | 2 | May 23, 2025 |
| October 2026 | $158,102,043 | 3 | March 5, 2026 |

Regulatory assets under management: $130,387,563 in the October 2025 data and $158,102,043 in the October 2026 data, up 21%.
Total employees: 2 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 2 to 3.
- Regulatory assets under management went from $130,387,563 to $158,102,043 (+21%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Provident Living Financial Services (CRD 282665): Form ADV filing data as of October 2026.