The Prospera Family Office Model

A Plan is Better

A comprehensive financial ecosystem built by entrepreneurs, for entrepreneurs. Prospera integrates financial planning, investment management, wealth preservation, and business strategy into a single, coordinated model.

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From Our Founder

Why Coordinated Finance Matters

Chad Heberly, Founder of Prospera Financial, explains why entrepreneurs need every financial decision made with full context.

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The Prospera Family Office Model

Most financial strategies live in silos. At Prospera, we start with a plan—then coordinate your investments, wealth preservation, and business strategy around it so every decision is made with full context. Whether you run a company, own rental real estate, or manage an Airbnb portfolio, your entrepreneurship deserves the same coordinated approach.

Wealth & Income Business & Real Estate Planning & Growth
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Financial Planning, Asset Growth & Legacy

  • Fiduciary Investment Advisory
  • Financial Planning
  • Legacy Planning
  • 401(k) & Employer Sponsored Retirement Plans
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Chad Heberly offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Prospera Investment Advisors is not a registered investment advisor and is independent of Gradient Advisors, LLC. Insurance products and services are offered through Chad Heberly, independent agent.

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Wealth Preservation & Income Growth

  • Non-Qualified Executive Compensation, Key-Man, Structured Buyouts
  • Prospera Personal Bank Liquidity Strategy
  • Retirement Income & Tax-Free Retirement Accounts
  • Generational Wealth Transfer
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All information and ideas should be discussed in detail with your individual financial professional prior to implementation. Insurance products and services are offered through Prospera Financial. Prospera Financial and Chad Heberly are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions.

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Entrepreneurship, Real Estate & Business

  • Business Planning & Administration
  • Real Estate / Air-BnB Owners
  • Accounting & FP&A Services
  • Prospera Intelligence System
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Prospera CFO is a division of Prospera Financial. The services performed by Prospera CFO do not constitute an investment recommendation. Chad Heberly also owns Prospera Investment Advisors, a registered investment advisory firm. Insurance products offered through Prospera Financial may involve commission-based compensation, which differs from the fee-based structure of investment advisory services.

Every Decision · Full Context · One Team

Why Coordinated Finance Wins

When your tax strategy, investment plan, insurance coverage, and business finances all talk to each other, every decision gets smarter.

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Full Picture Visibility

Every advisor sees the complete financial landscape, not just their silo. That means no blind spots and no conflicting strategies.

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Aligned Decisions

Your tax moves complement your investment strategy. Your insurance coverage supports your business plan. Everything works together.

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Better Decisions Over Time

When every part of your financial picture is coordinated, you can manage your money more intentionally and build wealth with greater clarity and confidence.

Ready for a Better Plan?

Schedule a conversation with our team to see how the Prospera Family Office Model—a comprehensive financial ecosystem built by entrepreneurs, for entrepreneurs—can work for you.

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