Welcome to Prospera Investment Advisors, where our fiduciary commitment ensures your financial well-being is our top priority.
We specialize in crafting tailored investment strategies designed to meet your unique circumstances, time horizon, and risk tolerance. We believe that clients are best served by a fiduciary relationship, that's why we don't sell any commissioned investment products. We align with our clients and serve only you.
Every portfolio we manage starts with planning, not products. During onboarding and your initial financial planning process, we take the time to understand your goals, your time horizon, and your comfort with risk, along with what each pool of money is meant to accomplish. Only then do we build a custom portfolio aligned with your needs, using a core-satellite approach.
For illustration only. The number and type of satellites vary by client.
At the center of your portfolio is a core of diversified investments aligned with your long-term goals. The core is typically built from institutionally developed investment models produced by some of the country's leading investment firms, providing disciplined, research-driven exposure across asset classes.
Around the core, we may pair a small number of satellite strategies, each selected for a specific purpose such as generating income, managing taxes, or shaping risk. Satellites are added only when they serve a goal in your plan, so most portfolios hold a core and just a few satellites.
As an independent fiduciary, we are not tied to any single fund company or product menu. Through our platform we have access to a large number of third-party money managers, model portfolios, and specialized strategies, so satellites can be chosen for what your plan needs. Depending on your goals, eligibility, and risk profile, these may include:
Portfolios that track a broad market index while owning the individual securities directly, so holdings can be customized around your values, existing positions, and tax situation, including tax-loss harvesting opportunities.
Stock market strategies that use options or other hedging techniques designed to soften the impact of market declines, in exchange for giving up some upside potential.
Notes with defined terms linked to a market index, which may offer features such as partial downside buffers or enhanced income. Subject to the issuer's credit risk and limited liquidity.
Strategies focused on capital preservation and dependable cash flow from interest and dividends, using high-quality fixed income and cash management solutions to help support spending needs.
Systematic strategies that follow defined, transparent rules, such as trend, momentum, or risk-management signals, helping take emotion out of investment decisions.
Access to private market opportunities such as private credit, real estate, and private equity. These are illiquid, carry higher risk, and are available only to accredited investors.
Exposure to digital currencies through publicly traded, exchange-listed investments rather than holding coins directly, sized deliberately within a diversified portfolio. Digital assets are highly volatile and speculative.
Portfolios that incorporate environmental, social, and governance considerations so your investments can better reflect your values.
We select and combine strategies based on your goals, time horizon, and the results of your Color of Money Risk Assessment, then monitor them on an ongoing basis. Not every strategy is appropriate for every investor, and no portfolio would be expected to use all of them.
All investing involves risk, including the possible loss of principal. No investment strategy can assure a profit or protect against loss. Model portfolios and rules-based strategies may not perform as intended and do not eliminate the risk of loss. Hedged equity, structured notes, digital currency investments, and private assets involve additional risks, which may include issuer credit risk, illiquidity, complexity, and significant volatility, and may not be suitable for all investors. Private assets are available only to investors who meet accredited investor requirements. Tax-loss harvesting does not guarantee tax savings; consult your tax professional.
A successful wealth strategy starts with a clear understanding of your personal comfort level with risk. Before making any financial decisions, it's essential to assess how much risk you're willing and able to take, as this will shape the way your wealth is positioned and managed.
Prospera Investment Advisors uses the Color of Money Risk Assessment to help you visualize and categorize your assets based on their risk levels. This simple but effective approach divides your investments into three main categories:
Safe and secure assets designed to preserve wealth, often with limited growth potential but little to no risk of loss.
Moderate-risk investments that offer growth opportunities while maintaining a balance between risk and reward.
High-risk investments that carry the potential for significant growth, but with a higher possibility of market fluctuation and loss.
Through your personalized report, you'll gain a clear understanding of your risk preferences. By identifying your comfort zone within these categories, we help you align your financial strategy with your risk tolerance. This ensures that your wealth is positioned in a way that not only supports your financial goals but also gives you peace of mind. Understanding your personal risk profile is the foundation for making informed decisions that reflect your values and long-term objectives.
Your investment strategy is built from your financial plan as a whole. Many investment approaches focus on just two or three factors, usually risk tolerance and time horizon. We start there, then bring in your income needs, tax strategy, and legacy goals, so your portfolio reflects your complete situation rather than a questionnaire score alone.
How much income you need, when you need it, and where it will come from, so your portfolio supports your cash flow.
Your Color of Money Risk Assessment results, along with your capacity to handle market declines, not just your comfort level.
When each pool of money will be needed, from near-term spending to long-term growth.
Which accounts hold which investments, tax-loss harvesting opportunities, and how withdrawals may be sequenced over time.
Your beneficiary and wealth-transfer goals, which can shape how certain assets are invested.
From your first conversation to the ongoing reviews that follow, every step connects your plan to your portfolio.
We get to know you, your values, and what you want your money to do. You complete the Color of Money Risk Assessment and a short priorities questionnaire before we meet.
You share key documents and goals, and we build the full picture: income, expenses, assets, taxes, legacy wishes, and a time horizon for each goal.
We present recommendations drawn directly from your plan, build your core-satellite portfolio, explain how each piece fits, and put it into motion.
Continuous monitoring and two in-depth reviews each year keep your plan and portfolio aligned as markets and your life change.
Step 4 repeats throughout our relationship, so your strategy keeps pace with your life.
Your plan is not a one-time event. Once your strategy is in place, your plan and portfolio move through an ongoing cycle of review, monitoring, and adjustment.
Twice a year, at strategic times, we sit down together to update your financial plan, check progress toward each of your goals, and review how your portfolio is positioned.
Between reviews, we monitor your portfolio against your goals, your risk profile, and appropriate benchmarks, and rebalance when needed.
When life changes, such as retirement, a new job, a home sale, an inheritance, or a growing family, we update your plan and adjust your strategy so the two stay aligned.
You have access to educational resources and clear, transparent updates on your plan, your portfolio, and any strategy changes, so you can feel confident in every decision.
Understand your risk profile and start building a strategy aligned with your goals.