{
  "crd_number": 121922,
  "slug": "prudent-investor-advisors-llc-folsom-ca-121922",
  "primary_business_name": "PRUDENT INVESTOR ADVISORS, LLC",
  "legal_name": "PRUDENT INVESTOR ADVISORS, LLC",
  "dbas": [
    "PRUDENT RETIREMENT SERVICES"
  ],
  "city": "Folsom",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "40900",
  "metro": {
    "cbsa_code": "40900",
    "common_name": "Sacramento",
    "msa_name": "Sacramento-Roseville-Folsom, CA",
    "path": "/advisors/ca/sacramento"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2004-09-15",
  "years_registered": 22,
  "period": "2026-10-01",
  "filing_date": "2026-03-26",
  "carried_forward": false,
  "raum_total": 1302177184.0,
  "raum_discretionary": 171474603.0,
  "raum_non_discretionary": 1130702581.0,
  "raum_band": "1b_5b",
  "raum_band_label": "$1 billion to $5 billion",
  "total_employees": 4,
  "advisory_employees": 4,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 34200783.0,
      "count": 10
    },
    "individuals": {
      "raum": 40321745.0,
      "count": 153
    },
    "state_municipal": {
      "raum": 378295357.0,
      "count": 7
    },
    "pension_profit_sharing": {
      "raum": 615647242.0,
      "count": 30
    },
    "high_net_worth_individuals": {
      "raum": 95933527.0,
      "count": 26
    },
    "pooled_investment_vehicles": {
      "raum": 137350186.0,
      "count": 1
    },
    "corporations_other_businesses": {
      "raum": 428344.0,
      "count": 3,
      "fewer_than_5": true
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "MI",
    "TX",
    "UT"
  ],
  "websites": [
    "https://facebook.com/prudentllc",
    "https://linkedin.com/company/prudent-investor-advisors-llc/about",
    "https://prudentllc.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/121922",
  "city_as_filed": "FOLSOM",
  "url": "https://advisorcensus.com/firm/prudent-investor-advisors-llc-folsom-ca-121922",
  "display_name": "Prudent Investor Advisors, LLC",
  "summary": "Prudent Investor Advisors, LLC is an SEC-registered investment advisory firm in Folsom, CA, registered since 2004, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 26, 2026.",
  "citation": "AdvisorCensus. Prudent Investor Advisors, LLC (CRD 121922): 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",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "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"
  ],
  "quick_answers": [
    {
      "q": "How is Prudent Investor Advisors, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Prudent Investor Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Where is Prudent Investor Advisors, LLC located?",
      "a": "Prudent Investor Advisors, LLC's principal office is in Folsom, CA, according to its Form ADV."
    },
    {
      "q": "Is Prudent Investor Advisors, LLC registered with the SEC or a state?",
      "a": "Prudent Investor Advisors, LLC is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 121922."
    },
    {
      "q": "How much does Prudent Investor Advisors, LLC manage?",
      "a": "Prudent Investor Advisors, LLC reports $1,302,177,184 in regulatory assets under management in its Form ADV filing dated March 26, 2026 (13% discretionary)."
    },
    {
      "q": "How have Prudent Investor Advisors, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Prudent Investor Advisors, LLC: Regulatory assets under management: $847,104,530 in the October 2021 data and $1,302,177,184 in the October 2026 data, up 54%. Total employees: 5 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Prudent Investor Advisors, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (153); pension and profit sharing plans (but not the plan participants or government pension plans) (30); high net worth individuals (26)."
    },
    {
      "q": "Which custodians does Prudent Investor Advisors, LLC use?",
      "a": "Prudent Investor Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists American Trust Investment Services, Inc., Ameritas Investment Company, LLC, Lincoln Financial Distributors, Inc. and TIAA-CREF Individual & Institutional Services, LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Prudent Investor Advisors, 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/121922"
    },
    {
      "q": "What changed in Prudent Investor Advisors, LLC's recent Form ADV filings?",
      "a": "In the April 2026 filing data: Regulatory assets under management went from $1,153,613,208 to $1,302,177,184 (+13%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 847104530.0,
      "total_employees": 5,
      "filing_date": "2021-03-12"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 1248040236.0,
      "total_employees": 5,
      "filing_date": "2022-04-08"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 1080024469.0,
      "total_employees": 5,
      "filing_date": "2023-03-09"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 1245411158.0,
      "total_employees": 5,
      "filing_date": "2024-03-20"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 1153613208.0,
      "total_employees": 4,
      "filing_date": "2025-03-19"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 1302177184.0,
      "total_employees": 4,
      "filing_date": "2026-03-26"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $1,153,613,208 to $1,302,177,184 (+13%)."
      ]
    }
  ],
  "fees_from_brochure": null,
  "custodians": [
    {
      "name": "American Trust Investment Services, Inc.",
      "name_as_filed": "AMERICAN TRUST INVESTMENT SERVICES, INC.",
      "affiliated": false
    },
    {
      "name": "Ameritas Investment Company, LLC",
      "name_as_filed": "AMERITAS INVESTMENT COMPANY, LLC",
      "affiliated": false
    },
    {
      "name": "Lincoln Financial Distributors, Inc.",
      "name_as_filed": "LINCOLN FINANCIAL DISTRIBUTORS, INC.",
      "affiliated": false
    },
    {
      "name": "TIAA-CREF Individual & Institutional Services, LLC",
      "name_as_filed": "TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC",
      "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/prudent-investor-advisors-llc-folsom-ca-121922.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 153,
      "fewer_than_5": false,
      "raum": 40321745.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 26,
      "fewer_than_5": false,
      "raum": 95933527.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 1,
      "fewer_than_5": false,
      "raum": 137350186.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 30,
      "fewer_than_5": false,
      "raum": 615647242.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 10,
      "fewer_than_5": false,
      "raum": 34200783.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 7,
      "fewer_than_5": false,
      "raum": 378295357.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 3,
      "fewer_than_5": true,
      "raum": 428344.0
    }
  ],
  "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/121922",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}