Andover, MA Office

Zen Financial Planning provides wealth management and financial planning to individuals, families, trusts, estates and business owners through its Zen Advisory Program (ZAP), which combines discretionary investment management with an integrated financial plan. The firm also offers hourly and project-based financial planning engagements for targeted issues and provides limited‑scope ERISA retirement plan advisory services for qualified plans.

The firm develops an investment policy for each client and manages portfolios to align with stated objectives, time horizons, risk tolerance and tax considerations, drawing on fundamental, technical and cyclical analysis as well as Monte Carlo planning. Accounts are reviewed at least quarterly with attention to rebalancing and tax‑loss harvesting opportunities, and clients may impose written restrictions on investments.

What distinguishes the firm from many peers is its pension consulting capability: it serves as a limited‑scope ERISA 3(21) advisor to 401(k), 403(b), pension, profit‑sharing and cash‑balance plans, assisting plan sponsors with IPS development, selection and monitoring of plan investment options while excluding certain non‑public or hard‑to‑value plan assets. The firm also discloses that its advisory representative(s) are licensed to sell insurance and may receive separate commissions, operates without a stated account minimum, and requires clients to custody assets with a designated institutional custodian.