Zendamentals

The firm provides discretionary asset management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities, charging fees based on a percentage of assets under management. It oversees about $160.7 million in client assets across roughly 424 client relationships and recently discontinued offering standalone financial planning services.

The firm builds individualized investment programs documented with investment policy statements and implements them using fundamental, technical, and cyclical analysis on a discretionary basis. Portfolios may employ a range of strategies including long‑ and short‑term holdings, option writing, the use of derivatives, and borrowing in separately managed accounts, and the adviser may refer clients to third‑party managers under fee‑sharing arrangements.

What is distinctive about the firm compared with peers is the combination of an unusually high client load for a single‑advisor practice and multiple affiliated business activities: the adviser maintains licensed insurance and real estate activities, ownership interests in accounting firms that provide tax and bookkeeping services, and rental real estate interests. These affiliations and the use of leverage and derivatives in client accounts create additional conflict and risk considerations that the firm discloses and seeks to mitigate through its fiduciary obligations, code of ethics, and client disclosures.