Zora Financial

Zora Financial advises individuals—both high-net-worth and non-HNW households—as well as small businesses and retirement plan sponsors, providing comprehensive financial planning, ongoing investment supervisory services, and retirement-plan consulting. Its planning work covers cash‑flow analysis, tax and estate considerations, college funding, and implementation support when clients wish to move forward.

The firm’s investment approach is planning‑first and grounded in Modern Portfolio Theory, emphasizing long‑term buy‑and‑hold allocations with periodic rebalancing and written investment guidelines tailored to client risk profiles; engagements may be managed on either a discretionary or non‑discretionary basis. Leadership includes a dedicated role focused on behavioral‑based financial planning, and the team develops client plans that integrate cash‑flow and investment decisions.

Zora Financial is a small CFP®‑led team (two advisors) managing roughly $71 million for about 78 clients, and it highlights several features that are less common among peers: regularly offered complimentary public educational workshops and participant education for retirement plans, a Career‑Builder Financial Planning offering for early‑career households with limited annual intake, and a fixed‑fee assets‑under‑advisement framework that coordinates planning and oversight across brokerage, retirement, and cash‑flow accounts under its “ZF‑Cash Flow” system.