Zephyr Advisers

The firm provides wealth management, portfolio management, and financial planning to individuals as well as advisory services to retirement plans. In addition to managing client portfolios—primarily with low‑cost, diversified ETFs and occasional individual stocks or bonds—it offers retirement-plan advisory services for plan sponsors, including vendor analysis, investment policy statement design, participant education tracking, benchmarking, performance reporting and ERISA 404(c) assistance.

Investment decisions are generally long‑term in focus, with portfolios constructed to reflect each client’s goals, risk tolerance and time horizon; the advisor may rebalance, harvest gains or losses, or make shorter‑term trades when appropriate. Analysis methods described in the brochure include fundamental, technical and cyclical approaches, and the firm may implement portfolios directly or through unaffiliated independent managers while monitoring accounts on an ongoing basis as a fiduciary.

What is distinctive is that this relatively small, recently founded advisor (~$5.25 million in AUM across 67 clients) provides 3(21)-style retirement plan consulting and ERISA-focused plan support—services that are uncommon among similar independent advisers. The brochure also discloses an institutional relationship with a custodian that provides software and related benefits to the firm and notes the principal’s modest outside business activities (including a published book and a garden nursery); the firm documents conflict‑mitigation measures such as a Code of Ethics and personal‑trade reporting.