Investment Management
A disciplined portfolio built around your goals, risk tolerance, tax situation, and time horizon.
Fiduciary Investment Management
Where financial independence becomes the plan.
Zen Financial builds and manages investment portfolios for busy professionals and business owners who want their money handled by an actual fiduciary, not a call center.
Independent advice. Direct access. Assets held at Charles Schwab.
Financial Planning
Clear advice for retirement decisions, Roth conversions, distributions, and the questions that matter now.
Tax-Aware Strategies
Ongoing monitoring and thoughtful coordination designed to keep your investments working efficiently.
Who this is for
You have money to invest.
You want someone managing it.
You have done the hard part. You earned, saved, and contributed consistently. Now you want an experienced professional to organize the accounts and keep the strategy moving forward.
Meaningful assets to invest
Savings across IRAs, Roth IRAs, brokerage accounts, or an old employer plan ready for rollover.
The saving habit is built
Payroll contributions, monthly transfers, or annual deposits are already part of your routine.
Past the DIY stage
You no longer want to pick funds, rebalance accounts, or wonder if your approach is working.
Looking for real oversight
You want a professional who knows your accounts and can give you a direct answer when it matters.
Why Zen Financial
The difference between an account and an advisor.
A provider can hold your money. An automated platform can rebalance it. Zen Financial closes the gap between having investments and knowing whether they are working toward the life you want.
One advisor, not a call center
The same person manages every account and understands the decisions behind your portfolio.
Built around your number
The work starts with what financial independence means for you, then aligns the portfolio to that target.
Real answers, not reminders
You get clear guidance on where you stand, what needs attention, and what to keep doing.
A fiduciary, by law
As a registered investment adviser, Zen Financial is required to put your interests first.
How it works
From conversation to managed portfolio.
The process is structured, transparent, and designed to take the administrative burden off your plate.
- 01
Book a Conversation
A 20-minute video call to discuss what you have, what you are trying to accomplish, and whether the relationship is a fit.
- 02
Review the Strategy
Your accounts, goals, tax considerations, and risk tolerance are reviewed so you can see the approach before moving forward.
- 03
Open and Transfer Accounts
Accounts are opened at Charles Schwab and existing assets are transferred. Zen Financial coordinates the process from end to end.
- 04
The Portfolio Gets Managed
Your investments are built, monitored, rebalanced, and adjusted as your needs change. You stay informed without managing every detail.
Built to keep working
“The goal is not to react to every headline. It is to build the right portfolio, keep contributing, and let discipline and time do their work.”
Tony CorsinoFounder & Portfolio Manager
About
An advisor who stays engaged.
Tony Corsino founded Zen Financial because people who save responsibly deserve more than statements, automated reminders, and a different representative every time they call.
Before financial services, Tony spent more than twelve years in the aerospace and defense industry. He later worked at Merrill Lynch Wealth Management as a Financial Advisor and Portfolio Advisor before founding Zen Financial. He earned a Bachelor of Science from Bentley University and a Certificate in Financial Planning from Boston University.
Tony also teaches practicing and aspiring financial planners through CFP® certification programs at Boston University, Regis College, and Greene Consulting, which partners with universities across the country.
CFP®Certified Financial Planner
ChFC®Chartered Financial Consultant
CRPC®Chartered Retirement Planning Counselor
Fees and services
Transparent and straightforward.
Investment Management
A transparent, asset-based advisory fee billed quarterly in advance. No commissions on investment management and no hidden charges.
View the fee scheduleFinancial Planning
Limited-scope, project-based planning is available as a separate paid engagement when you need help with a specific financial question.
Review services and disclosuresCommon questions
What you probably want to know.
What is the minimum to work with you?
$100,000 in investable assets, which can be spread across multiple accounts. If you are close and contributing regularly, it is still worth having a conversation.
What types of accounts do you manage?
IRAs, Roth IRAs, individual and joint brokerage accounts, and rollovers from former employer plans. Employer-sponsored plans are not managed directly, but you can keep contributing to them while other assets are managed separately.
Where are my assets held?
At Charles Schwab, in accounts held in your name. Zen Financial can manage the investments with your authorization, but cannot withdraw or transfer your money for its own benefit.
What do you charge?
Investment management uses a transparent, asset-based advisory fee billed quarterly in advance. Limited-scope financial planning is priced separately. The full fee schedule is available in the disclosures below.
What is your investment approach?
Diversified portfolio management using low-cost funds and ETFs, with attention to risk, taxes, account type, and long-term compounding. The approach does not depend on timing the market or chasing recent performance.
How often will I hear from you?
You receive proactive check-ins and direct access when questions come up. When something needs attention, Zen Financial reaches out. Meetings are used when they add value, not simply to fill a calendar.
Can I still contribute to my employer 401(k)?
Yes, especially when your employer offers a match. Zen Financial can manage eligible assets outside the plan and help with a rollover after you leave that employer.
How do I get started?
Book a 20-minute conversation. There is no application or paperwork upfront. You will talk through your situation and decide whether moving forward makes sense for both sides.
Start with a conversation
This is where the plan toward financial independence begins.
20 minutes. No pitch. Just a direct conversation about whether this makes sense.
Book a Conversation