Linda Zimmermann Financial Planning and Counseling

Linda Zimmermann Financial Planning and Counseling provides financial planning and discretionary investment management to individuals, couples, and trusts, focusing on retirement income planning, education funding, debt reduction, and budgeting. The firm advises on individual stocks, government and municipal bonds, ETFs and mutual funds, and offers basic tax and estate‑planning guidance while referring specialized matters to attorneys or insurance specialists.

The adviser develops personalized asset‑allocation models based on clients’ goals and loss tolerance, using Morningstar and Charles Schwab Institutional screening tools to select funds and securities and typically preferring no‑load mutual funds for smaller accounts. She accepts limited discretionary authority to implement agreed allocations, reviews managed accounts at least quarterly, and relies on custodians such as Schwab, Vanguard and TIAA to deliver client statements.

The firm’s practice is notable for billing on an hourly basis rather than charging a percentage of assets under management, and for combining that hourly billing with discretionary management — a less common arrangement among independent advisors. As a sole practitioner who meets many clients in a home office setting, she also declines clients with high unresolved debt by referring them to local credit counseling and discloses and manages specific conflicts of interest (for example, avoiding recommendations of certain employer or local issuers).