Financial Zen
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides financial planning and discretionary portfolio management primarily for individual and high‑net‑worth clients, delivering written or electronic comprehensive financial plans, ongoing subscription planning, and hourly engagements. It manages roughly $167.6 million for about 107 clients with a two‑advisor team and also offers participant account management for workplace accounts through a third‑party platform.
Investment strategy is centered on passive portfolio construction in line with Modern Portfolio Theory, emphasizing diversified, low‑cost index mutual funds and ETFs and asset allocation as the primary driver of return and risk. When performing investment analysis or bespoke planning work, the firm supplements its passive orientation with fundamental, technical, cyclical, and charting analyses, provides discretionary rebalancing, and issues quarterly written reports to clients.
The firm’s outreach and client education practices are notable compared with peers: it conducts announced educational seminars and public speaking engagements (including occasional pro‑bono presentations), and discloses the use of client testimonials in its advertising materials. It also recently transitioned to SEC registration and operates as a small supported practice managing substantial assets relative to its size, and one advisory team member maintains an unrelated small business offering (photography), which the brochure discloses under outside activities.
Client services
Expertise
Fee options
0.25% - 0.50% annually
Hourly financial planning fees between $200 and $800 per hour depending on complexity.
Ongoing financial planning subscription fee paid monthly or semi-annually in advance, ranging from $50 to $1,500 per month.
Fee-only: $1,000-$15,000 upfront onboarding fee; ongoing monthly or semi-annual fee of $50-$1,500 for financial planning services; Hourly financial planning fees from $200 to $800 per hour.
Main office
600 California Street, 11th Floor
San Francisco CA 94108
Advisors at this office
2
Most active in
California
Also doing business as
Financial Zen · Richard David Valenzi · The Financial Zen Group · The Financial Zen Group, Inc. · Valenzi, Richard David
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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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.
Quick links
Advisors at this firm
Amanda B
CFP®, Series 65
San Francisco, CA
Financial Zen
Amanda Bearden is a CFP® professional with three years of industry experience, currently advising at Financial Zen in San Francisco, CA. Her prior roles include positions at Pesta & Pesta Wealth Management and Carson Group. Outside of her advisory work, she operates a small photography business. Financial Zen provides financial planning and discretionary portfolio management primarily for individual and high-net-worth clients, managing approximately $167.6 million across about 107 clients with a two-advisor team. The firm’s investment approach centers on passive portfolio construction aligned with Modern Portfolio Theory, supplemented by additional analytical methods and discretionary rebalancing.
Rick V
CFP®, CRPC®
San Francisco, CA
Financial Zen
We help young families conquer financial complexity. With a successful career and a family comes financial complexity - that evil villain lurking in the shadows. Left alone, he can dismantle everything you’ve built. Try to defeat him and he’ll leave you confused, frustrated and overwhelmed. You deserve a guide who can show you how to lock him up and throw away the key. For over a decade we’ve helped young families conquer financial complexity through hands-on, full-service financial planning. Our process is simple: 1) Determine if you need help 2) Create a plan together 3) Execute the plan together By defeating financial complexity, you’ll eliminate your financial anxiety. You’ll acquire confidence, gain clarity about your future and understand your finances better than you ever have. Schedule your free introductory consultation today! - http://ow.ly/UjTx30qa3Wf Or check out our website for more details - www.financialzen.com
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