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Michael Scott Lowenberg

PROSPERA FUNDS
Bay Harbor Islands, FL
·CRD# 2505584·22 years experience

Professional Summary

Michael Scott Lowenberg is a registered financial advisor currently at PROSPERA FUNDS, INC. located in Bay Harbor Islands, Florida and WHITE MOUNTAIN CAPITAL, LLC located in Bay Harbor Islands, Florida. Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2020. Michael has worked at 4 firms and has passed the Series 65, Series 63, Series 99TO, Series 79TO, SIE, Series 7, Series 27 and...

At a Glance

Advisory Accounts Only

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Fiduciary Standard

Fee Structure

Account Minimum

Active Clients

Other Aliases

There are no additional aliases reported.

Blog Corner

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Videos & Posts

This advisor has not added any videos or posts yet.

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Contact Information

This advisor has not claimed their profile yet, so there is no contact information to display at this time.

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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.

Disclosures on record.

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.

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Years of Experience

22 years in the financial services industry

Current & Past Employments

PROSPERA FUNDS, INC.·CRD# 331765
RIA
Bay Harbor Islands, FL
May 21, 2026 - Present
WHITE MOUNTAIN CAPITAL, LLC·CRD# 104123
BD
1. 9521 East Bay Harbor Dr Unit 805, Bay Harbor Islands, FL 331542. 9521 East Bay Harbor Dr Unit 805, Bay Harbor Islands, FL 33154
November 4, 2004 - Present
MODERN CAPITAL ADVISORS, LLC·CRD# 131117
RIA
Bay Harbor Islands, FL
January 13, 2022 - December 5, 2023
MODERN CAPITAL MANAGEMENT, CO.·CRD# 306631
RIA
Miami, FL
January 13, 2022 - April 13, 2026
MODERN CAPITAL MANAGEMENT, CO.·CRD# 306631
RIA
Greenwich, CT
September 1, 2021 - December 31, 2021
MODERN CAPITAL ADVISORS, LLC·CRD# 131117
RIA
Greenwich, CT
July 8, 2020 - December 31, 2021

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Current Firm

PF
PROSPERA FUNDS, INC.

PROSPERA FUNDS, INC.

CRD#: 331765 / SEC#: 801-132209
RIA
Registered Investment Advisory firm - SEC (3/31/2025 Approved)

Contact Information

Main Address

119 Charleston Boulevard, Isle Of Palms, SC 29451

Mailing Address

1000 Palm Blvd Suite 66, Isle Of Palms, SC 29451

Phone Number

(512) 660-8038

# of Employees

4

SEC notice filing (3 States and Territories)

Registered to provide investment advisory services in 3 US states and territories.

Documents

Latest Form ADV

Regulatory Assets Under Management

Total Number of Accounts

1

AUM (Assets Under Management)

$4,554,486

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Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

MR. LOWENBERG IS AN OWNER AND TREASURER OF BONAVENTURE MANAGERS, LLC, WHICH IS THE GENERAL PARTNER OF BONAVENTURE INVESTMENTS, LP, AN INVESTMENT PARTNERSHIP WHICH COMMENCED 6/01. MR. LOWENBERG BECAME AN OWNER ON 1/19/06. BONAVENTURE MANAGERS IS LOCATED AT 9521 E Bay Harbor Dr, Unit 805, Bay Harbor Islands, FL. MR. LOWENBERG WILL DEVOTE 10% OF HIS TIME--APPROXIMATELY 15 HOURS PER MONTH--TO BONAVENTURE MANAGERS FINANCIAL BUSINESS. APPROXIMATELY HALF OF THESE HOURS WILL BE PERFORMED DURING TRADING HOURS. LOWENBERG IS ALSO A PORTFOLIO MANAGER FOR PROSPERA FUNDS' ETF. HE WILL DEVOTE APPROXIMATELY 3 HOURS A DAY DURING THE TRADING DAY TO THIS ACTIVITY. MR. LOWENBERG ALSO OBTAINED HIS INSURANCE LICENSE (LIFE, HEALTH, ANNUITY) IN 2007. HE WILL SELL APPOVED INSURANCE PRODUCTS ON AN AS-NEEDED BASIS. HE WILL DEVOTE LESS THAN 5% OF HIS TIME, APPROXIMATELY 2 HOURS PER MONTH, TO THESE ACTIVITIES. LOWENBERG IS SOLE OWNER OF RUMPOINT, INC, AN S-CORP THAT PROVIDES CONSULTING TO WHITE MOUNTAIN CAPITAL, LLC AND BONAVENTURE MANAGERS DURING THE COURSE OF DAILY BUSINESS.

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Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
PF
PROSPERA FUNDS, INC.

PROSPERA FUNDS, INC.

CRD#: 331765 / SEC#: 801-132209
RIA
Registered Investment Advisory firm - SEC (3/31/2025 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.
RR
indicates the advisor is registered as a Registered Representative in this state, allowing securities offerings such as stocks, bonds, and mutual funds through a broker-dealer.
RR
Arizona
(6/28/2007)
RR
California
(1/18/2007)
RR
Connecticut
(11/16/2007)
RR
Florida
(9/5/2007)
IAR
Florida
(6/12/2026)
RR
New Hampshire
(3/25/2008)
RR
New Jersey
(11/4/2004)
RR
New York
(9/2/2005)
IAR
New York
(5/21/2026)
RR
North Carolina
(11/3/2025)
RR
Oregon
(1/3/2011)
RR
Pennsylvania
(1/2/2008)
RR
Rhode Island
(5/1/2008)
RR
South Carolina
(11/3/2025)
IAR
South Carolina
(5/21/2026)
RR
Texas
(2/11/2011)
RR
Virginia
(4/21/2023)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.Note:This rule does not apply to broker-dealer activity.

Exams

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

Series 65 — Uniform Investment Adviser Law Examination

Passed Jun 2020About the Series 65 exam

Series 63 — Uniform Securities Agent State Law Examination

Passed Jun 2005About the Series 63 exam

Series 99TO — Operations Professional Examination

Passed Jan 2023About the Series 99TO exam

Series 79TO — Investment Banking Registered Representative Examination

Passed Oct 2019About the Series 79TO exam

SIE — Securities Industry Essentials Examination

Passed Oct 2018About the SIE exam

Series 7 — General Securities Representative Examination

Passed Nov 2004About the Series 7 exam

Series 27 — Financial and Operations Principal Examination

Passed May 2005About the Series 27 exam

Series 24 — General Securities Principal Examination

Passed Jan 2005About the Series 24 exam
FINRA
SRO Registrations

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CRS (Client Relationship Summary) - RIA

Click below to view Michael Scott Lowenberg's CRS (Customer Relationship Summary).

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