Anyone who, with a group, wants to develop the investing confidence and skills needed to drive their own financial destiny - families with one savvy investor, families with limited investing knowledge.

Our content is built around three audiences:

• Middle and high school students gaining exposure and confidence (11-17)

• Young adults beginning their independent journey (18-25)

• Adults, mid-career to retirement (25+)

Yes, young adulthood is the perfect time to begin developing long term saving and investing habits. And, many grown adults find that overcoming doubts and fears about financial management developing skills and confidence can help them thrive financially.

Two people are a great partnership. A key use case for ProsperWorks is in supporting the non-investor partner become an active and confident investor, developing the financial acumen to independently manage their financial destiny.

Yes. ProsperWorks is designed as a shared learning journey. Working as part of a team, with accountability and community is part of why this works. But fear not, there are a ton of great resources for individual investors. I’m a huge fan of Motley Fool’s flagship newsletter, the Stock Advisor, for investing education and stock picking. Investopedia has great content. r/stocks on Reddit can be a good place to start, but like all of Reddit is a bit hit or miss. And, even the Boston Public Library has a good online course for beginning individual investors. And, if you’re looking for people to invest with and learn from on your own, Investopedia has a good article on how to find an investing club.

There is no real minimum to get started and learn by doing. But, practically, a total portfolio should be at least $10,000 in aggregate capital. An ideal capital contribution would be between $5,000 and $50,000 from each partner.

You should think of your ProsperWorks portfolio as a long term investment. While it is certainly easy to liquidate assets and redistribute them to the partners, the whole idea is to build that long-term investing and growth mindset.

A trust is a fantastic structure to pass on intergenerational wealth. With a fiduciary trustee, Income or Support trusts, and Staggered Distribution trusts, can ensure that disbursements are made wisely. But they do nothing to empower the recipient of your legacy to make good decisions. Our intent is to ensure that everyone in the family has the wisdom and skills to confidently own their financial destiny.