Tenzing Financial LLC

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Client assets under management

$216,700,000

Clients

165

44% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Typical

Average account size

$1,313,333

About

Tenzing Financial serves individuals (including high‑net‑worth clients), trusts, estates, businesses, and retirement plans, providing discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages roughly $231 million for about 165 clients and offers written retirement plan fiduciary services (including 3(38) plan advisory work).

The firm states a fiduciary duty and generally employs fundamental analysis to construct model portfolios focused on long‑term objectives, typically using ETFs, individual equities, mutual funds and bonds, while also recommending independent managers when appropriate. Tenzing Financial monitors accounts on an ongoing basis, tailors asset allocation and portfolio construction to client goals and risk tolerance, and may use third‑party platforms to access or manage held‑away participant accounts.

A distinctive operational feature is that the firm sponsors a wrap fee program that bundles securities transaction costs and other “covered costs” into a single asset‑based advisory fee — a structure that is uncommon among peers. The brochure also discloses the firm’s institutional relationships with major custodians and that certain advisory personnel are licensed insurance professionals, both of which create potential conflicts of interest the firm describes and manages in its policies.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management

Fee options

Fixed

Standalone financial planning services fees range from $5,000 to $10,000 fixed engagement fee.

Percentage

$0 - $250,000: 1.50% $250,001 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.50% $5,000,001 - $10,000,000: 0.35% $10,000,001 - $25,000,000: 0.25% $25,000,001+: 0.15%

Commissions

Certain advisory persons licensed as insurance professionals may earn commissions from insurance product sales separate from advisory fees.

Other

Fee-only: Standalone financial planning services with fixed fees ranging from $5,000 to $10,000, negotiable based on complexity and relationship.

Main office location

Tenzing Financial LLC

1215 Mt Vernon Ave, Suite C

Williamsburg VA 23185, United States

Number of offices

Most active in

North Carolina · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website (757) 703-0030

Advisors at this firm

Tracy S

Series 63, Series 65

Williamsburg, VA

Tenzing Financial LLC

Tracy Shackelford is a financial advisor at Tenzing Financial LLC with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bleakley Financial Group, LPL Financial, Private Advisor Group, and Northwestern Mutual Investment Company. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans, offering discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for about 165 clients and employs fundamental analysis to build model portfolios focused on long-term objectives.

Wealth management

Harold P

CFP®, ChFC®, Series 63, Series 65

Williamsburg, VA

Tenzing Financial LLC

Harold Philipsen is a CFP® and ChFC® with 19 years of experience in the financial services industry. He is currently with Tenzing Financial LLC and has previously worked at Bleakley Financial Group, LPL Financial, Private Advisor Group, and Northwestern Mutual Investment Management. Philipsen is also a licensed insurance agent in Williamsburg, Virginia. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans, offering discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for about 165 clients and employs fundamental analysis to build model portfolios aligned with long-term objectives.

Wealth management

Robert K

CFP®, Series 66

Williamsburg, VA

Tenzing Financial LLC

Robert Kohn is a CFP® and holds a Series 66 license, with nine years of experience in the financial services industry. He has worked at Northwestern Mutual Investment Management, LPL Financial, Private Advisor Group, and Bleakley Financial Group before joining Tenzing Financial LLC in 2025. Tenzing Financial serves individuals, trusts, estates, businesses, and retirement plans by providing discretionary investment management, comprehensive wealth management, and standalone financial planning. The firm manages approximately $231 million for around 165 clients and employs a fiduciary approach using fundamental analysis to build long-term focused model portfolios.

Wealth management

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