# Holy City Prosperity

Holy City Prosperity is a Bank / Wealth / Trust based in Fayetteville, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Fayetteville, United States
- **Region:** North America
- **Address:** Fayetteville, NC, United States
- **Founded:** 2021
- **Assets under management:** Undisclosed
- **Website:** holycityprosperity.com
- **LinkedIn:** https://linkedin.com/company/holy-city-prosperity-llc

## Regulatory record

- **CRD number:** 316593
- **SEC file number:** 801-122779
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-24T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/316593

## About

Holy City Prosperity launched in 2021 with a focus on integrated wealth advisory for individuals, high-net-worth families, and business entities. The Fayetteville, North Carolina-based firm provides financial planning, tax planning, and portfolio management under one roof, a model that aims to streamline advice for clients who previously juggled separate relationships for each function. The founding team structured the firm as a fee-based registered investment advisor, a regulatory posture that subjects it to fiduciary standards on every client engagement. The firm constructs portfolios across public equities, fixed income, and managed fund solutions, tailoring allocations to each client's liquidity needs and tax posture. Holy City Prosperity does not market proprietary investment products, which means asset selection draws from a broad, unconstrained universe of third-party strategies. The practice concentrates on accumulators and retirees in the Cumberland County region, though its remote-service capability extends the geographic footprint to clients elsewhere in the Southeast. The firm also advises small-business entities on cash management and retirement-plan design. Holy City Prosperity operates as a lean practice with a deliberately limited client roster, a service model common among boutique RIAs that prioritize capacity over asset growth. The firm has not publicly disclosed an AUM figure or headcount, and no adjacent vehicles such as philanthropic foundations or real-asset arms appear in registration filings or public communications. In 2023, the firm maintained its registration with the North Carolina Secretary of State and continued to file as an active RIA with the SEC. The firm's structural differentiator is its negative space — Holy City Prosperity carries no proprietary fund inventory, no broker-dealer affiliation, and no external capital-raising mandate. That architecture removes the product-distribution tension present at hybrid advisory firms, leaving allocation decisions governed solely by the client's stated objectives.

## Questions

### Is Holy City Prosperity a fiduciary for its advisory clients?

Yes. As a registered investment advisor, Holy City Prosperity operates under the Investment Advisers Act of 1940, which imposes a fiduciary duty on all advisory relationships. The firm's fee-based structure means it does not earn commissions on product sales, further aligning compensation with client outcomes rather than transaction volume.

### Does the firm manage customized separate accounts or use model portfolios?

Holy City Prosperity constructs allocations using third-party managed strategies and direct public-market positions, with portfolio design tailored to each client's tax bracket, cash-flow needs, and risk tolerance. The firm's website positions its service as personalized portfolio management rather than a one-size model-delivery system, though specific implementation details are confirmed only through direct consultation.

### What types of clients does Holy City Prosperity serve?

The firm serves individuals, high-net-worth families, and business entities, with a geographic concentration in the Fayetteville and Cumberland County region of North Carolina. Its regulatory filings and public materials also reference service to small-business owners seeking retirement-plan advisory and entity-level cash management.

### How does Holy City Prosperity approach tax planning?

Tax planning is one of the firm's three advertised service pillars, alongside financial planning and portfolio management. By housing tax planning under the same advisory umbrella as investment management, the firm can coordinate asset location, withdrawal sequencing, and capital-gains realization across taxable and tax-deferred accounts — a structural advantage over advisors who outsource tax work to a separate CPA.

## Related profiles

- [Holt-Smith Advisors](https://altss.com/profile/holt-smith-advisors)
- [Holy Redeemer Health System Pension](https://altss.com/profile/holy-redeemer-health-system-pension)

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Last updated: 2026-08-11T02:43:31.692Z

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