Zonka & Associates, Inc.

Zonka & Associates provides investment advisory services to individuals, high‑net‑worth clients, pension and profit‑sharing plans, charitable organizations, and business entities. Services disclosed in the brochure include discretionary and non‑discretionary portfolio management, financial planning, financial consulting, selection and monitoring of third‑party money managers, and pension consulting.

The firm states it tailors portfolios to client objectives and risk tolerance, monitoring and rebalancing accounts on an ongoing basis and, where appropriate, delegating portions of management to third‑party money managers and model portfolios. Its disclosed methods include a mix of fundamental and technical analyses, use of modern portfolio theory and both long‑ and short‑term strategies, with tax efficiency not treated as a primary objective unless agreed otherwise.

Noteworthy differences from many peers are the explicit focus on retirement plan work and institutional portfolios: the brochure discloses pension consulting for plan sponsors, participant education and enrollment meeting services, and portfolio management for institutional clients — services that are uncommon among solo independent advisers. The firm also reports managing roughly $25 million in client assets concentrated among very few accounts and notes the principal holds the CFP designation and concurrently works in public finance as a senior finance director, a background the brochure highlights as part of the firm’s qualifications.