Prospettiva Financial

What Prospettiva Financial does

Prospettiva Financial LLC is a boutique Registered Investment Advisor headquartered at 22 Battery Street, Suite 426, in San Francisco, California. Founded in 2005 by Sean Fletcher under the original name Rhodes and Fletcher and rebranded to Prospettiva Financial in 2023, the firm provides comprehensive financial planning and ongoing investment management services to high net worth individuals and families across the United States. Its service offering is organized around four pillars: Growing Your Assets, Navigating Transitions, Planning Your Future (cash flow, insurance, investment, estate, real estate, business, and retirement planning), and charitable/legacy planning.

The firm operates with a 5-person team comprising three credentialed financial planners (each with 20+ years of experience and advanced designations including CFP, AIF, CLU, ChFC, RICP, FBS, CPCC, and FFC), a paraplanner/operations manager, and an administrative assistant. Prospettiva Financial does not develop proprietary technology; instead it relies entirely on third-party platforms: eMoney for financial planning, BlackDiamond for investment performance reporting, ShareFile for secure document storage, and Charles Schwab as custodian.

The firm's revenue model consists of two streams: a one-time upfront Financial Planning Agreement fee of up to $20,000 for the first year, and an ongoing Wealth Management Agreement fee of up to 1.25% annualized on aggregate AUM, deducted quarterly. Client acquisition is referral-driven through an initial complimentary meeting and financial-fit assessment. The firm is independently operated with no institutional ownership, no funding rounds, and no disclosed revenue figures.

Name

Prospettiva Financial

Legal name

Prospettiva Financial LLC

Website

https://prospettivafinancial.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Prospettiva Financial is a boutique San Francisco-based Registered Investment Advisor providing comprehensive financial planning and wealth management services to high net worth individuals and families nationwide through a 5-person team of credentialed planners on a fee-only AUM-based model.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industry

Retirement Planning & Long-Term Financial Planning Tools (FSAGADAI)

Keywords

• Wealth management services
• Financial planning advisory
• Investment management
• Retirement planning
• Estate planning advisory

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Wealth Management Fees: Ongoing investment management plus financial planning services. Charged as a percentage of assets under management (AUM), annualized but deducted quarterly from client accounts. Highest fee is 1.25% annualized on the aggregate portfolio value.
2. Financial Planning Fees: Upfront fee for initial financial planning agreement covering the first year of engagement. Fee is based on scope of work and does not exceed $20,000. Billed in two installments: 50% due in advance, remainder due after 6 months. Ongoing financial planning advice is subsequently covered under the Wealth Management Agreement.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Prospettiva Financial is a San Francisco-based boutique Registered Investment Advisor that provides personalized financial planning and discretionary investment management services to high net worth individuals and families. The firm delivers comprehensive planning across asset growth, life transitions, retirement, and legacy goals, and implements portfolios held at a third-party custodian (Charles Schwab). Founded in 2005, the practice operates through formal Financial Planning and Wealth Management engagement agreements and staffs each client relationship with a senior advisor supported by a paraplanner/operations manager.

Product overview

Prospettiva Financial is a boutique wealth management firm offering a unified suite of financial planning and investment management services organized around four core service pillars: Growing Your Assets (accumulation strategy), Navigating Transitions (life change management), Planning Your Future (comprehensive financial planning covering cash flow, insurance, investments, estate, business, and retirement), and Leaving the World Better Than You Found It (charitable/gifting strategy). The firm delivers these services under two engagement models: a Financial Planning Agreement (upfront, first-year focused, up to $20,000) and a Wealth Management Agreement (ongoing investment management at up to 1.25% annualized). Clients access their data and accounts through multiple third-party portals — eMoney for financial planning, BlackDiamond for investment performance reporting, ShareFile for secure document storage, and Charles Schwab as the custodian.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning Comprehensive financial planning service for high net worth individuals and families, covering goal setting, cash flow, tax, retirement, and legacy planning delivered through a formal Financial Planning Agreement. The service is typically paired with the firm's wealth management engagement but can also be delivered standalone for a fixed upfront fee.
• Wealth Management Ongoing discretionary investment management and wealth advisory service delivered under a formal Wealth Management Agreement, with assets custodied at Charles Schwab and portfolios managed on the BlackDiamond platform. The service is structured around four focus areas—Growing Assets, Navigating Transitions, Planning Your Future, and Leaving the World Better—and is typically bundled with the firm's financial planning service.

Quantifiable outcome

• Clients develop confidence to make thoughtful financial decisions through the collaborative planning process

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Four partnerships are on record, tiered core.

• eMoneycoreTechnology or IntegrationFinancial planning platform used by clients for their financial planning needs. Clients access eMoney portal for planning purposes.
• BlackDiamondcoreTechnology or IntegrationInvestment performance reporting platform. Clients use BlackDiamond to view their investment performance data.
• ShareFilecoreTechnology or IntegrationSecure data vault for document storage and sharing. Clients use ShareFile for secure document exchange with the firm.
• Charles SchwabcoreTechnology or IntegrationCustodian for client assets. Charles Schwab holds and safeguards client investment accounts. Clients access their custodian account through Schwab's client portal.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Focus Financial Partners: A national RIA roll-up platform serving HNW clients through a federation of boutique advisor firms. Comparable in fiduciary offering and HNW clientele, but operates at platform scale and is a likely acquirer of boutique peers like Prospettiva.
• Wealth Enhancement Group: A growing RIA platform that acquires boutique wealth management firms and serves HNW clients with comprehensive planning. Comparable fiduciary service set, but operates at platform scale and is an active acquirer of boutique peers.
• Carson Group: A large RIA and partnership platform serving financial advisors and their clients nationwide. Overlaps in fiduciary advisory services and HNW client focus, but operates at a much larger scale with proprietary technology and a partner-acquisition model.
• Mariner Wealth Advisors: A large national RIA providing comprehensive financial planning and investment advisory services to HNW individuals and families. Overlaps in fiduciary service delivery and client profile, but at much larger scale.
• Edelman Financial Engines: A large national RIA delivering financial planning and investment management to a broad HNW and mass-affluent client base. Comparable planning-led offering, but at scale with proprietary technology and employer-plan distribution.
• Creative Planning: One of the largest independent RIAs in the U.S., offering comprehensive financial planning and wealth management to HNW clients. Comparable in fiduciary services and client target, but vastly larger scale and broader service offerings.

Direct peers

• Aspiriant: A boutique national RIA offering comprehensive financial planning and wealth management to HNW families, with a similar team-based advisor model and fee-based structure. Directly comparable in target client, service scope, and boutique positioning.
• Brown Wealth Management: A boutique, fee-only RIA providing comprehensive financial planning and investment advisory services to HNW clients. Similar scale, fiduciary positioning, and holistic planning-led offering.
• Modera Wealth Management: A fee-only RIA providing financial planning and investment management to HNW households and individuals, with a comparable fiduciary boutique model and recurring AUM-based revenue. Similar in size, services, and client profile.
• Bahl & Gaynor: A boutique wealth manager focused on HNW individuals and families with a fee-based, planning-driven advisory model. Comparable in client segment, fiduciary approach, and recurring AUM-based revenue.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/prospettivafinancial
• LinkedInlinkedin.com/company/prospettiva-financial-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prospettiva Financial