Where Financial Independence Becomes
The Plan.

Zen Financial manages investment portfolios for individuals and business owners who want things handled, monitored, and built toward a clear target. No bundled services. No complexity you do not need. Just competent, ongoing portfolio management by an advisor who stays engaged.

Book a 20-Minute Conversation See How It Works

Who This Is For

You have money to invest.
You want someone managing it.

This is for people who are past the DIY phase. You are earning, saving, and contributing consistently. You do not want to manage your own portfolio, and you do not want to pay for a financial plan you never asked for.

$100,000+ in Investable Assets

You have meaningful savings across IRAs, Roth IRAs, brokerage accounts, or old employer plans ready for rollover.

Contributing Regularly

You are putting money in consistently. Payroll contributions, monthly transfers, annual IRA deposits. The habit is already there.

Done Managing It Yourself

You are past the point of wanting to pick stocks or rebalance your own portfolio. You want a professional handling it so you can focus elsewhere.

Looking for Management, Not Planning

You do not need a 50-page financial plan. You need someone competent making investment decisions on your behalf, consistently.

How It Works

Three steps. Nothing complicated.

This is not a complex process. You contribute to your accounts. I manage the investments inside them. Time does the rest.

01

You Contribute

Fund your investment accounts. IRA, Roth IRA, brokerage, or rollover from a former employer plan. Set up your contributions and let them run. The account is yours, held at Charles Schwab in your name.

02

I Monitor

Your portfolio is actively managed and monitored. Rebalancing, tax-aware positioning, and ongoing oversight happen without you thinking about it. When something needs to change, I handle it.

03

The Process Compounds

Consistent contributions plus professional management plus time. That is how portfolios grow. No timing the market. No chasing performance. Just the process working, quarter after quarter.

Getting Started

From conversation to managed portfolio.

The entire process from first conversation to fully managed accounts typically takes less than two weeks.

01

Book a Conversation

A 20-minute virtual conversation. No pitch, no pressure. We talk about what you have, what you are doing, and whether working together makes sense.

02

Open Accounts at Schwab

Your assets are held at Charles Schwab, one of the largest custodians in the country. I help you open and transfer accounts. Your money stays in your name.

03

Set Up Contributions

We consolidate and transfer your existing accounts, set up your ongoing contributions, and get everything organized in one place. The portfolio is built and positioned correctly for long-term financial independence, and scaled to grow with you. The transition is smooth and I handle the process so you do not have to think about it.

04

I Manage From There

Portfolio construction, rebalancing, and ongoing monitoring are handled by me. I reach out proactively when something needs attention and am available directly when you have questions. Regular check-ins keep you informed without you having to ask. You always know where things stand.

Fees and Services

Transparent and straightforward.

Portfolio Management

A transparent, asset-based advisory fee billed quarterly in advance. No hidden charges. No commissions on investment management. No surprises.

Financial Planning

Available as a separate, paid engagement for clients who want it. Planning is not bundled into the management fee. It is not required to become a client. If you need it, we scope it and price it independently.

Tony Corsino, Founder and Portfolio Manager of Zen Financial

About

Tony Corsino

Principal & Portfolio Guy | Head of Getting It Done

CFP® · ChFC® · CRPC®

When was the last time someone from your 401k called you? Not a statement. Not a marketing email. Actually called.

That silence is the problem.

You have been saving. You have been doing the right things. But nobody has ever told you if it is working, where you actually stand, or what number you need to hit to be financially independent. The accounts pile up, sometimes in different places, and nobody is pulling it together or showing you the full picture.

That is what I do.

I take it off your plate. I bring your investments together, build a clean organized portfolio around a clear target, and handle it from there. You will know where you stand, what the goal is, and what you need to do on your end. I handle everything else. When something needs attention, I am on it. When you need to hear from me, you will.

You keep saving. I will make sure it is going somewhere.

I also teach in CFP® certification programs at Boston University, Regis College, and through programs affiliated with the University of New Hampshire, the University of Georgia, and James Madison University. Schools trust me to teach this material. My clients trust me to execute it.

Financial planning is available as a separate engagement for those who need it.

Designations

Certified Financial Planner Chartered Financial Consultant Chartered Retirement Planning Counselor

Common Questions

What you probably want to know.

$100,000 in investable assets. This can be across multiple accounts. If you are close and contributing regularly, it is worth having a conversation.

IRAs, Roth IRAs, individual and joint brokerage accounts, and rollovers from former employer plans. I do not manage 401(k) or other employer-sponsored plans directly, but you can absolutely keep contributing to those while I manage the rest.

Charles Schwab. Your assets are always in your name. Schwab is one of the largest custodians in the country. I have discretionary authority to manage your investments, but I cannot withdraw or transfer your money.

A transparent, asset-based advisory fee billed quarterly. No hidden charges, no commissions on investment management, and no financial planning fees unless you separately engage for planning. The full fee schedule is available in the disclosures at the bottom of this page.

Financial planning is available as a separate, paid engagement. It is not included in the portfolio management fee and is not required to become a client. Most people who come to me do not need a full financial plan. They need someone managing their investments. If you do want planning, we scope it and price it on its own.

Quarterly invoices and periodic updates. I am available by email when you have questions. I do not manufacture unnecessary meetings or send you things to read that do not matter. When something needs your attention, I will reach out. Otherwise, the process runs.

Diversified portfolio management using low-cost funds and ETFs. I do not chase individual stocks, time markets, or sell products. The approach is systematic and built for long-term compounding. Your portfolio is constructed based on your specific situation and managed with discipline.

Absolutely. Keep contributing there, especially if your employer matches. I manage the assets outside your employer plan. When you eventually leave that employer, we roll those assets over into an account I manage directly.

Your accounts are yours. Brokerage accounts have no withdrawal restrictions. IRAs and Roth IRAs have standard IRS rules around early access. We will walk through those specifics when they are relevant to your situation.

Book a 20-minute conversation. No application, no paperwork upfront. We talk, and if it makes sense for both sides, we move forward from there.

This is where the plan toward financial independence begins.

20 minutes. No pitch. Just a conversation about whether this makes sense.

Book a Conversation

Disclosures

Zen Financial, LLC is a registered investment adviser in Massachusetts, Maine, and New Hampshire. Registration with state securities authorities does not imply a certain level of skill or training.

All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. No representation is made that any account will or is likely to achieve profits or losses similar to those discussed or implied on this website.

The information on this website is for informational purposes only and is not intended as personalized investment advice. A copy of Zen Financial's current disclosure documents can be accessed below.

Form ADV Part 2A & 2B Privacy Policy Massachusetts Fee Schedule

For additional information about Zen Financial, including fees and services, please refer to our Form ADV Part 2A, available through the links above or upon request.