Our Wealth Management Process

We begin by listening closely and deeply. We want to know what makes you tick and what you value. We’ll create a financial plan based on that. Then, we’ll ask for feedback to see if it resonates with you. A lot of my value lies in finding the best financial strategies for you. We continuously adapt the plan with new tax laws, new information, and evolve as you do!

We will typically meet more often in the first two years. We will discuss all areas of your financial life, not just your portfolio. Again, everything is at your pace and direction. Some clients prefer to meet once a quarter, some twice a year. We’ll touch base at least once a year to see how you are and what’s new in your life! I have an easy-to-schedule link for all clients. Use it for quick questions or updates on your life, big or small!

A fiduciary is a professional who manages someone else’s money or assets with the promise to always act in the client’s best interest. Financial advisors who follow fiduciary rules must tell their clients about any conflicts of interest, or possible ones, before and during their work together. They also follow a code of ethics and are upfront about how they earn their fees. Fee-Only advisors are ONLY compensated by the client and NEVER make commission by selling financial products, or receiving kickbacks from brokerage firms.

Because we care about your financial future and want you to partner with the right advisor, our initial consultations are complimentary.

We work with clients when we believe we can truly make a positive impact in their lives. There’s no minimum amount of assets or investments required.

Fees for wealth management services offered are based on assets under management. More details can be found in the service offerings guide HERE.

In our advisory role, we never take custody of client assets. We utilize Schwab Institutional, a division of Charles Schwab & Co., Inc., as the custodian of client accounts and as our primary broker. Our relationship with Schwab is an arm’s length transaction with no exchange of funds between Schwab and Zestiny Wealth. When your account is established with Schwab, you provide Zestiny Wealth with limited trading authorization on your account. As a fiduciary, this gives us ‘eyes’ on top of your account to oversee, manage, and trade on your behalf. We never make changes without prior approval from you. You may already work with Schwab or choose to continue working with them if it’s no longer fit to work with Zestiny.

A registered investment advisor or RIA is approved to handle investments and offer guidance. They register with a federal or state regulator and follow SEC rules. These regulators check in regularly to ensure RIA practices align with consumer interests. They review all steps taken. To learn more about Zestiny, you can find them listed on the SEC’s website.