YZ Financial Advisors LLC

The firm provides investment advisory and financial planning services to individuals (including high-net-worth clients), trusts, estates, and small businesses through two structured programs: a Retirement GPS program that includes discretionary investment management and a Financial Fitness program focused on ongoing planning and coaching without discretionary trading. As an independent, single-advisor registered investment adviser, the firm reports managing roughly $9.4 million for about 22 clients.

Portfolio construction draws on both fundamental and technical analysis and typically emphasizes long-term allocations implemented with ETFs, mutual funds, individual equities and fixed income, structured notes, and, where appropriate, unaffiliated independent managers. The firm exercises discretionary authority for accounts enrolled in the retirement program, while planning-only clients receive recommendations and retain responsibility for implementation.

Distinctive features include a separately structured, ongoing planning-and-coaching offering apart from asset-based management and the firm’s provision of discretionary advisory services for client-held 529 college savings plan accounts, with custody and fee deduction handled by plan administrators. The firm’s principal also discloses outside activities as a licensed insurance professional and the operator of a financial education platform; those activities are conducted separately and disclosed as potential sources of additional compensation.