AZM Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm is an independent, state-registered investment adviser that provides discretionary portfolio management and financial advice to individual and high-net-worth clients. It manages about $24.5 million across roughly two dozen client accounts and implements customized portfolios using exchange-traded funds, mutual funds and, at times, individual securities, with annual reporting to clients.
Investment decisions are guided by Modern Portfolio Theory alongside both fundamental and technical analysis, with recommended asset allocations set as a written investment policy and rebalanced within predetermined ranges. The firm typically seeks discretionary authority to trade, conducts periodic reviews triggered by material changes, and generally emphasizes diversified exposures including bonds, domestic and international equities, REITs and limited emerging market allocations.
A notable and uncommon aspect of the firm is its affiliation with a real estate/mortgage brokerage (Interbank Finance Mortgage Co.), through which the principal provides mortgage services and receives separate compensation; the brochure discloses this relationship and the potential for conflicts of interest and notes clients may use outside agents to avoid such conflicts. The firm also states it has no formal account minimum (though it may decline smaller portfolios) and invoices advisory fees quarterly in advance, with custodial billing and client statements provided for verification.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.50% $1,000,001 - $3,000,000: 1.00% $3,000,001+: 0.75%
Main office
Foster CA
Advisors at this office
1
Most active in
California
Also doing business as
Azm Financial · Zarkoub, Afshin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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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.
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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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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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