Zidel Financial Inc.

Zidel Financial, Inc. is a registered investment adviser that provides financial planning and discretionary portfolio management to individuals and a range of clients, including pension and profit‑sharing plans, trusts, estates, charitable organizations, and corporations. The firm charges percentage‑of‑assets fees, generally requires a $2 million minimum account size (waivable), and reports roughly $160 million in discretionary assets for about 128 clients.

The firm’s investment process is built around Modern Portfolio Theory and uses both fundamental and technical analysis to implement asset allocation across mutual funds, ETFs, stocks, bonds, REITs, commodities, and cash equivalents, with a primary emphasis on long‑term holdings. Zidel Financial accepts discretionary authority to manage accounts and, for some clients, selects and monitors outside money managers (including managers that offer wrap‑fee programs).

Noteworthy aspects disclosed in the brochure include the firm’s acceptance of corporate and business clients, which is relatively uncommon among independent solo advisers, and the principal’s licensure to sell insurance in multiple states, with commission income disclosed as a potential conflict of interest. The firm also discloses receiving certain custodial and business‑support services from its Schwab relationship, receiving portions of fees from some outside managers, and having prior regulatory fines related to financial statement filings and invoicing.