# THRIVE Financial Planning

THRIVE Financial Planning is a Bank / Wealth / Trust based in El Dorado Hills, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** El Dorado Hills, United States
- **Region:** North America
- **Address:** El Dorado Hills, CA, United States
- **Founded:** 2014
- **Assets under management:** Undisclosed
- **Website:** thrivefinancialplanning.com
- **LinkedIn:** https://www.linkedin.com/company/thrive-financial-planning

## Regulatory record

- **CRD number:** 172558
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/172558

## About

Founded in 2014 and headquartered in El Dorado Hills, California, THRIVE Financial Planning is a registered investment adviser (RIA) that delivers financial planning and portfolio management to individuals, high-net-worth families, and small businesses. The firm operates under a fiduciary standard, meaning its advice must serve the client's best interest — a structural distinction from broker-dealer models that dominate the regional wealth-management landscape. THRIVE's service set integrates investment advisory, retirement planning, tax strategy, and ongoing portfolio oversight, positioning it as a holistic planning practice rather than a transaction-oriented asset gatherer. The firm's investment approach centers on goals-based asset allocation, constructing portfolios from a mix of equity, fixed-income, and alternative exposures tailored to each client's liquidity needs and risk tolerance. The firm serves clients across California and, through remote-advisory capabilities, maintains relationships in additional US states where it holds the appropriate registrations. THRIVE maintains a lean operational profile typical of a boutique RIA, with no public record of additional office locations or affiliated entities beyond its primary El Dorado Hills practice. The firm's public filings with the SEC, accessible under the Investment Adviser Public Disclosure database, confirm its active registration and compliance history. Structurally, THRIVE's differentiator is its fiduciary-only posture in a market where many wealth-management practices operate as dually registered broker-dealers — meaning THRIVE cannot accept commissions or placement fees that create compensation conflicts. For a client comparing a fiduciary RIA against a wirehouse or independent broker-dealer, that distinction is the operational architecture that determines whether portfolio recommendations originate from planning logic or product shelf.

## Questions

### Does THRIVE Financial Planning manage institutional capital or only individual accounts?

THRIVE's disclosed client base focuses on individuals, high-net-worth families, and small businesses, per the firm's regulatory filings. There is no public evidence of institutional separately managed accounts, pension consulting, or endowment relationships. This places THRIVE squarely in the private-wealth segment — relevant for an allocator trying to determine whether the firm operates as a direct peer to institutional asset managers or functions as a retail-to-affluent planning practice with fiduciary wrappers.

## Related profiles

- [Thrive Capital Management](https://altss.com/profile/thrive-capital-management)
- [Thrive Wealth Management](https://altss.com/profile/thrive-wealth-management)

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

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