SUM Zero Wealth
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sum Zero Wealth provides fee-based comprehensive financial planning and discretionary portfolio management, delivering tailored investment recommendations and planning that can include tax, estate, cash flow and asset protection advice. The firm uses model-based portfolio customization—primarily drawing on thousands of BlackRock models—and reported $103.6 million in discretionary assets across 27 client relationships as of October 2026.
The firm’s investment approach emphasizes a strategic allocation framework aimed at long-term value investing with positions generally held at least one year, while retaining the ability to employ tactical shifts and option-writing strategies; Sum Zero Wealth also applies fundamental and cyclical analysis in portfolio construction. Implementation and ongoing account management are delegated to third-party sub-advisors—SmartLeaf (used where tax optimization is important) and 55ip—while the advisor remains responsible for suitability and client relationships.
Noteworthy distinctions include the firm’s small, recently formed advisory team and its reliance on external model providers and sub-advisors (SmartLeaf charges a separate model fee of 0.05%–0.20%, while 55ip’s fees are paid by BlackRock). The brochure discloses that certain representatives are licensed insurance producers and may receive commissions for insurance sales and also provide tax-preparation services, and the firm’s account structure and $10,000 minimum annual fee suggest it does not primarily target lower-net-worth retail households despite listing individuals among eligible client types.
Client services
Expertise
Fee options
$0 - $3,000,000: 0.95% $3,000,001 - $5,000,000: 0.65% $5,000,001 - $10,000,000: 0.40% $10,000,001 - $25,000,000: 0.30% $25,000,001+: 0.20%
Commissions are earned by Investment Advisor Representatives for insurance products sold; no investment advisory fee is charged for insurance products; commissions disclosed prior to transactions
Minimum fee: $10,000 annual minimum fee, negotiable at Advisor's discretion, minimum fee will not exceed 3.0% of client's assets under management
Main office
See office2600 1st Avenue North
St. Petersburg FL 33713
Advisors at this office
1
Offices (2)
Most active in
Florida · New Hampshire · New Jersey · New York · Texas
Also doing business as
Sum Zero Wealth · Sum Zero Wealth, LLC
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.
Advisors at this firm
James G
CFP®, Series 66
St. Petersburg, FL
SUM Zero Wealth
Jamie Gerson is Vice President and Executive Planning Consultant at Fidelity Investments, a role held since 2017. In this capacity, Jamie collaborates with clients to develop tailored financial plans that reflect their unique experiences, values, and goals. Prior to this position, Jamie served as a Financial Consultant at Fidelity Investments from 2011 to 2017, and has experience as a Financial Advisor at Wells Fargo Advisors from 2009 to 2011 and Merrill Lynch from 2007 to 2009. Jamie holds a California Insurance License and brings extensive expertise in financial planning and client consultation. Jamie's approach emphasizes active listening and collaboration to establish clear, measurable objectives within flexible financial plans. Outside of work, Jamie enjoys beach activities, family time, fitness, food, outdoor adventures, and parenthood.
Sameer C
CFP®, Series 63, Series 66
Dallas, TX
SUM Zero Wealth
Sameer Chand is the Vice President and Executive Planning Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 2005, progressing through various positions including Vice President Financial Consultant, Financial Planning Consultant, Investment Consultant, and Retirement Investment Services. His extensive experience within the company highlights his long-term commitment to financial consulting. Throughout his career, Sameer has focused on working closely with clients to develop financial plans tailored to their individual goals and situations. He holds a California Insurance License, supporting his ability to provide comprehensive financial advice. Outside of his professional work, Sameer enjoys fitness, hiking, and tennis.
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