# Prudent Investors

> Prudent Investors is an SEC-registered investment advisory firm in Lake Forest, CA, registered since 2014, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated April 30, 2026.

- CRD: 127284
- Filed as: PRUDENT INVESTORS
- Legal name: Prudent Investors Network, Inc.
- Also doing business as: PRUDENT INVESTORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lake Forest, CA
- Filing period: October 2026
- Form ADV filing dated: April 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/127284
- AdvisorCensus page: https://advisorcensus.com/firm/prudent-investors-lake-forest-ca-127284

## Quick answers

**How is Prudent Investors compensated?**
On its Form ADV (Item 5.E, October 2026), Prudent Investors reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Prudent Investors charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Asset-based fee: up to 1.4% of assets a year (the maximum the brochure states); Hourly rate: $425 an hour (Consulting Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Prudent Investors located?**
Prudent Investors' principal office is in Lake Forest, CA, according to its Form ADV.

**Is Prudent Investors registered with the SEC or a state?**
Prudent Investors is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 127284.

**How much does Prudent Investors manage?**
Prudent Investors reports $515,799,473 in regulatory assets under management in its Form ADV filing dated April 30, 2026 (100% discretionary).

**How have Prudent Investors' assets and staff changed since 2021?**
In the Form ADV data for Prudent Investors: Regulatory assets under management: $179,301,983 in the October 2021 data and $515,799,473 in the October 2026 data, up 188%. Total employees: 6 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Prudent Investors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (514); high net worth individuals (156).

**Which custodians does Prudent Investors use?**
Prudent Investors' 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 Prudent Investors 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/127284

**Does Prudent Investors state an account minimum?**
Its Form ADV Part 2A brochure dated March 30, 2026 says: "Our minimum initial account value is $250,000; however, we may accept accounts for less than the minimum at our sole discretion."

**What changed in Prudent Investors' recent Form ADV filings?**
In the May 2026 filing data: Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Asset-based fee: up to 1.4% of assets a year (the maximum the brochure states)

> Our maximum annual fee for managed account is 1.4% and the specific advisory fees are set forth in your management agreement.

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> Our minimum initial account value is $250,000; however, we may accept accounts for less than the minimum at our sole discretion.

- Hourly rate: $425 an hour (Consulting Services)

> Fees are billed at $425 an hour or a fixed negotiated fee for Consulting Services. An estimate for total hours will be determined before the work begins

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: $515,799,473
- Discretionary: $515,799,473
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 514 | $172,871,959 |
| High net worth individuals | 156 | $342,927,514 |
| 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) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| 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 | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Publication of periodicals or newsletters
- Educational seminars/workshops
- Other

### Firm details
- Registered since: 2014 (12 years)
- Employees: 8 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, HI, ID, LA, MI, NV, UT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- prudentinvestors.com
- Instagram @prudentinvestors_ria
- Instagram @prudentplanningedu
- LinkedIn @prudent-investors
- TikTok @prudentinvestors
- X @prudent_ria

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $179,301,983 | 6 | September 16, 2021 |
| October 2022 | $244,811,821 | 6 | September 23, 2022 |
| October 2023 | $238,314,052 | 5 | September 6, 2023 |
| October 2024 | $295,437,651 | 5 | August 1, 2024 |
| October 2025 | $409,250,453 | 8 | March 27, 2025 |
| October 2026 | $515,799,473 | 8 | April 30, 2026 |

Regulatory assets under management: $179,301,983 in the October 2021 data and $515,799,473 in the October 2026 data, up 188%.
Total employees: 6 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### May 2026
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Employees performing advisory functions went from 4 to 3.
- Regulatory assets under management went from $409,250,453 to $515,799,473 (+26%).

### January 2026
- No longer registered or notice-filed in FL, TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Prudent Investors (CRD 127284): Form ADV filing data as of October 2026.