Zen Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$13,007,940
Clients
21
10% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
21
TypicalAverage account size
$619,426
About
Zen Financial Planning provides ongoing wealth management, written financial planning, and project-based consulting to individuals, families, trusts, estates, and business owners. Services include a combined financial planning and discretionary investment program, one-time or hourly planning engagements, and advisory work for qualified retirement plans.
The firm develops individualized investment policy statements and constructs portfolios based on clients’ goals, time horizons, tax considerations, and risk tolerance, using a mix of fundamental, technical, and cyclical analysis together with Monte Carlo planning to inform recommendations. Clients in the ongoing program authorize discretionary trading and receive written or electronic plans plus periodic reviews, while project clients receive limited-scope deliverables without ongoing implementation or monitoring.
A distinguishing element is the firm’s provision of ERISA 3(21) retirement-plan advisory services — including IPS development, investment option monitoring, participant education, and assistance with qualified default investment selection — a capability that is relatively uncommon among similar independent advisors. The firm’s principal also maintains insurance licenses and academic roles; these outside activities and any related compensation are disclosed and governed by the firm’s policies to address potential conflicts of interest.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
Retirement income strategy
College savings (529s, UTMA, etc.)
Tax-loss harvesting
Umbrella liability
Occupation focus
Founder/Business Owner
Fee options
Comprehensive Financial Plan fixed fee ranging from $3,500 to $10,000
$0 - $499,999: 1.25% $500,000 - $999,999: 1.15% $1,000,000 - $1,999,999: 1.00% $2,000,000 - $2,999,999: 0.90% $3,000,000+: 0.80%
Hourly Financial Planning and/or Consultation Services at $290 per hour
Account minimum: $500,000 household minimum (may be lowered or waived in certain instances) Fee-only: Comprehensive financial plan fixed fee ranging from $3,500 to $10,000; Hourly financial planning/consultation at $290 per hour
Main office location
Zen Financial Planning, LLC
300 Brickstone Square, Suite 201
Andover MA 01810, United States
Number of offices
2
Most active in
Zen Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Maine · Massachusetts · New Hampshire
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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