Michael S. Lowenberg

PROSPERA FUNDS

Bay Harbor Islands, FL

CRD#: 2505584

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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 Series 24 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

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.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

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

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

May 21, 2026 - Present

PROSPERA FUNDS, INC.

RIA

CRD#: 331765

Bay Harbor Islands, FL

Current

November 4, 2004 - Present

WHITE MOUNTAIN CAPITAL, LLC

Office #1: 9521 East Bay Harbor Dr Unit 805, Bay Harbor Islands, FL 33154Office #2: 9521 East Bay Harbor Dr Unit 805, Bay Harbor Islands, FL 33154

CRD#: 104123

BAY HARBOR ISLANDS, FL

Past

January 13, 2022 - December 5, 2023

MODERN CAPITAL ADVISORS, LLC

RIA

CRD#: 131117

Bay Harbor Islands, FL

Past

January 13, 2022 - April 13, 2026

MODERN CAPITAL MANAGEMENT, CO.

RIA

CRD#: 306631

Miami, FL

Past

September 1, 2021 - December 31, 2021

MODERN CAPITAL MANAGEMENT, CO.

RIA

CRD#: 306631

Greenwich, CT

Past

July 8, 2020 - December 31, 2021

MODERN CAPITAL ADVISORS, LLC

RIA

CRD#: 131117

Greenwich, CT

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".

PROSPERA FUNDS, INC.

CRD#: 331765 / SEC#: 801-132209

RIA

Registered Investment Advisory firm - (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.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Arizona
(6/28/2007)

California
(1/18/2007)

Connecticut
(11/16/2007)

Florida
(9/5/2007)

New Hampshire
(3/25/2008)

New Jersey
(11/4/2004)

New York
(9/2/2005)

IAR

New York
(5/21/2026)

North Carolina
(11/3/2025)

Oregon
(1/3/2011)

Pennsylvania
(1/2/2008)

Rhode Island
(5/1/2008)

South Carolina
(11/3/2025)

IAR

South Carolina
(5/21/2026)

Texas
(2/11/2011)

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

State Security Law Exam

IAR

Series 65

Date: 6/1/2020

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 6/20/2005

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 99TO

Date: 1/2/2023

Operations Professional Examination

General Industry/Product Exam

Series 79TO

Date: 10/29/2019

Investment Banking Registered Representative Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 11/3/2004

General Securities Representative Examination

Principal/Supervisory Exam

Series 27

Date: 5/23/2005

Financial and Operations Principal Examination

Principal/Supervisory Exam

Series 24

Date: 1/7/2005

General Securities Principal Examination

SRO Registrations

FINRA

Current Firm

PROSPERA FUNDS, INC.

CRD#: 331765 / SEC#: 801-132209

RIA

Registered Investment Advisory firm - (3/31/2025 Approved)

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Contact information

Main Address

119 Charleston Boulevard Suite 66, Isle Of Palms, SC 29451

Mailing Address

Phone number

(512) 660-8038

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (1 States and Territories)

Documents

Latest Form ADV

Part 2 Brochures

PROSPERA FUNDS DISCLOSURE BROCHURE (3/31/2025)

Red Flags

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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Firm Stability Insights

Michael S. Lowenberg

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

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

Certified licenses

Experience

WHITE MOUNTAIN CAPITAL, LLC

MODERN CAPITAL ADVISORS, LLC

MODERN CAPITAL MANAGEMENT, CO.

MODERN CAPITAL MANAGEMENT, CO.

MODERN CAPITAL ADVISORS, LLC

Primary Firm SEC Registration

PROSPERA FUNDS, INC.

State Registrations and Notice Filings

Exams

Series 65

Date: 6/1/2020

Series 63

Date: 6/20/2005

Series 99TO

Date: 1/2/2023

Series 79TO

Date: 10/29/2019

SIE

Date: 10/1/2018

Series 7

Date: 11/3/2004

Series 27

Date: 5/23/2005

Series 24

Date: 1/7/2005

FINRA

Current Firm

PROSPERA FUNDS, INC.

Contact information

SEC notice filing (1 States and Territories)

Documents

Part 2 Brochures

Red Flags

Company Information

PROSPERA FUNDS, INC.

TRUST BUT VERIFY

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