Zone Investment Management, LLC

Zone Investment Management is an independent registered investment adviser that provides ongoing portfolio management to individual and high-net-worth clients, documenting each engagement with an Investment Policy Statement and offering services such as asset allocation, asset selection, and regular monitoring. The firm’s investment recommendations generally focus on insurance products (including annuities), equities, and exchange-traded funds and may include commissionable insurance solutions as part of client planning.

The firm employs a broad set of analytical methods — charting, cyclical, fundamental, quantitative and technical analysis along with modern portfolio theory — and pursues long-term trading alongside options strategies, including covered and uncovered options and spread positions. Accounts may be managed on a discretionary or non-discretionary basis per the client agreement, with reviews performed by the firm and monthly and quarterly reporting delivered through the custodian.

Distinctive operational features disclosed in the brochure include that a principal of the firm is a licensed insurance agent and may offer commissionable insurance products, a potential conflict of interest that is disclosed to clients, and that the firm requires clients to custody accounts at Schwab Institutional, from which it receives institutional research and services. The firm also documents a $50,000 account minimum (waivable) and manages a relatively small number of client relationships while employing higher-risk instruments such as uncovered options, which may differ from peers that avoid commissionable insurance sales or aggressive options strategies.