Prudent Investors

Gerald L. Peters serves as Founder and Chairman, and David M. Peters is President. The firm is family-operated out of San Diego, California, and most investment committee and asset-management functions reside with the senior leadership team. Specific CIO or investment-committee members beyond the Peters family are not publicly disclosed.

Prudent Investors originates its own loans and acquires properties, typically in Sun Belt markets such as Texas, Arizona, and California. The firm also acquires distressed residential mortgage notes. Sourcing relies on the principals' direct industry relationships rather than a broker-intermediated pipeline, though precise origination volume is not publicly reported.

Prudent Investors operates as a registered investment adviser and private fund sponsor, not a family office. It pools capital from individual retirement accounts — predominantly self-directed IRAs and solo 401(k)s — into privately placed limited partnerships. The Peters family leads the firm, but the entity functions as a third-party asset manager.

The firm relies on Regulation D private placements — typically limited partnership interests — that are eligible for purchase by self-directed IRAs and solo 401(k) plans. Investors custody their retirement assets with a third-party administrator that executes the subscription into Prudent Investors' funds. This structure avoids the custody restrictions that prevent traditional IRAs from holding non-traded alternatives.

Prudent Investors does not publicly disclose a current AUM figure. The firm states it has raised over $1.5 billion in client capital since inception, but this cumulative raise figure differs from AUM. No independently audited track record or GIPS-compliant performance data is published on its website.