# Prudent Money Financial Services

Prudent Money Financial Services is an Asset Manager based in Addison, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Addison, United States
- **Region:** North America
- **Address:** Dallas, TX, United States
- **Founded:** 1995
- **Assets under management:** Undisclosed
- **Website:** prudentmoney.com

## Regulatory record

- **CRD number:** 128472
- **SEC file number:** 801-62481
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/128472

## About

PRUDENT MONEY FINANCIAL SERVICES is an SEC-registered investment adviser in ADDISON, TX. The firm manages $31 million in assets, $21 million on a discretionary basis. It has 1 employee and 1 investment adviser.

## Sectors

- Media & Entertainment
- Financial Services

## People

- Bob Brooks — Founder & CEO

## Questions

### What is Prudent Money's investment philosophy?

Prudent Money applies a biblically grounded, fee-only approach to financial planning and investment management. The firm emphasizes low-cost, diversified portfolios using mutual funds and ETFs, avoiding speculative strategies, high-commission products, and excessive leverage. Client portfolios are built around long-term asset allocation tied to individual financial goals rather than short-term market movements, per the firm's public communications.

### How does Prudent Money Financial Services charge clients?

The firm operates on a fee-only basis, charging clients a percentage of assets under management for advisory and portfolio management services. This structure eliminates commissions from product sales, aligning the firm's compensation with client portfolio growth rather than transaction volume. Bob Brooks has publicly advocated for this fiduciary model on his radio program and in written commentary.

### Who is Bob Brooks, and what role does he play in the firm?

Bob Brooks is the founder and CEO of Prudent Money Financial Services, as well as the host of "The Prudent Money Show," a nationally syndicated radio program. He functions as the firm's primary public voice, investment strategist, and client relationship lead. Brooks has authored content on integrating Christian principles with personal finance and acts as the central figure in the firm's media-driven client acquisition model.

### Is Prudent Money only for Christian investors?

While the firm's marketing and educational content are explicitly rooted in biblical financial principles, its advisory services are available to any investor seeking fee-only financial planning and portfolio management. The radio platform and faith-based framing operate as a client filter, but the investment methodology remains grounded in standard fiduciary practices of diversification, risk assessment, and long-term planning.

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Last updated: 2026-06-03T20:00:00.000Z

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