Zetlmaier Wealth Management LLC

Zetlmaier Wealth Management provides comprehensive financial planning and discretionary investment management to individuals and high‑net‑worth individuals, offering standalone planning services as well as implementation and ongoing portfolio supervision. The firm also advises on retirement rollovers and integrates estate‑planning work into the financial plan process by recommending a digital document platform.

The firm’s investment approach combines Fundamental Analysis, Modern Portfolio Theory, and a weak‑form view of Efficient Market Theory, favoring diversified mutual funds and ETFs for cost‑effective exposure while accommodating client requests for individual securities or actively managed funds. Portfolios are implemented on a discretionary basis and reviewed regularly for alignment with each client’s planning objectives and rebalancing needs.

Distinctive operational details in the brochure include use of the third‑party platform trustandwill.com for estate‑document creation (with the firm able to obtain read‑only access and disclosing no referral fees) and a material change noting the firm no longer acts as an insurance agent or sells fixed insurance products. The brochure also discloses practical policies—accepting electronic payment methods for planning work, declining commissions, not voting client proxies, and describing potential conflicts related to recommending a particular custodian and the non‑monetary benefits that custodian may provide.