Zen Financial PlanningInvestment 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 provides personalized portfolio management and financial guidance for individuals, families, and business owners who want a dedicated advisor that knows their situation and stays engaged.
A 30-minute virtual conversation.
Personalized advice. Direct access. Assets held at Charles Schwab.
Financial Planning
Clear guidance on retirement readiness, investment decisions, rollovers, savings strategies, major financial decisions, and the questions that matter now.
Ongoing Financial Guidance
Ongoing advice and coordination across your investments and financial decisions, so the pieces stay aligned as your situation changes.
Who this is for
You want an advisor who knows your situation.
And stays in touch.
Your accounts are scattered across old employers. Your household has competing priorities. Your business takes the spare dollars and your own accounts come last. Your retirement is close enough to plan around. Whatever the situation, Zen Financial manages the investments and stays engaged with you.
Accounts in more than one place
IRAs, Roth IRAs, brokerage accounts, and old employer plans that have never been looked at together.
Competing priorities
Retirement saving happens alongside everything else the household needs. You want the investment side handled properly.
Your own accounts come last
Spare dollars go back into the company. Your personal investments deserve the same discipline you give the business.
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 who knows your accounts.
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.
Direct answers and proactive guidance.
You get clear guidance on where you stand, what needs attention, and what to keep doing.
A fiduciary standard
Zen Financial acts as a fiduciary when providing investment advisory services.
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.
Based in York, Maine, serving clients in Maine, Massachusetts, and New Hampshire.
CFP®Certified Financial Planner
ChFC®Chartered Financial Consultant
CRPC®Chartered Retirement Planning Counselor
Fees and services
Transparent and straightforward.
Investment Management
Advisory fees are disclosed in advance. Zen Financial does not receive commissions for investment management.
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?
Zen Financial does not maintain a stated minimum account size or household asset requirement. Most investment management relationships begin with approximately $250,000 or more in investable assets, although circumstances vary. We consider each relationship based on the scope of services, overall fit, and whether an ongoing advisory relationship makes sense.
As of July 15, 2026, the average household had approximately $1.09 million in assets managed by Zen Financial.
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?
Your assets remain in accounts held in your name at Charles Schwab. Zen Financial receives authority to manage investments in accordance with your advisory agreement.
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.
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.
Can we meet in person?
Our process is primarily virtual. New relationships begin with a video conversation, and most ongoing communication and meetings are handled virtually. In-person meetings may be available by arrangement at our York office. This approach works particularly well for clients who are comfortable using digital tools and prefer the flexibility of meeting remotely.
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