Your portfolio is managed in line with your plan
We manage investments as part of a comprehensive financial plan. That means your portfolio reflects your goals, tax situation, and timeline.
How We Manage Your Investments
Mission alignment isn't one setting. It's a spectrum.
Most investors fall somewhere on this spectrum, not at one end. We help you figure out where you are and where you want to go.
Performance-Focused
Zenith Core
Designed for clients focused entirely on maximizing financial efficiency and risk-adjusted returns.
Light Impact Considerations
Zenith Sustainable
Designed for clients who want to integrate ESG and responsible mission areas.
Impact-Driven
Zenith High Impact
Values alignment is the highest priority, and clients are comfortable accepting different returns.
Investing With a Process
Step 1
Data gathering and Portfolio analysis
Before making changes, we review your holdings, performance, capital gains, and expense ratios and confirm that each sits in the right account type for your tax profile. We assess how your portfolio is positioned across market cycles. We evaluate adjustments for tax impact first.
Step 2
Understanding your Risk Level
Sound risk management means aligning three things: the risk you want, the risk in your portfolio, and the risk your goals require. These rarely line up on their own. Some investors are too conservative, while others carry more risk than they realize.
Step 3
Finding Where You Fit on our Investment Continuum
Investors want different things from their money. We help you identify where you fall and build accordingly. For higher tax brackets or values-driven investors, we can exclude specific companies while preserving diversification.
Step 4
Our Ongoing Investment Management Approach
This is where our process adds the most value over time. We manage capital gains year-round, harvesting losses and offsetting gains as opportunities arise. Continuous portfolio reviews, rebalancing, and market education keep your investments on track and keep you informed.
What you pay, and what it covers.
We start with your financial plan. We build your investment portfolio around it, not the other way around. We expect investment accounts to transition to Zenith within 12 months of starting a planning relationship. That's what allows us to give you a complete picture. The cost goes beyond investment management. It includes a disciplined framework that keeps emotions out of investment decisions, confidence that every account is aligned with your long-term goals, and ongoing reviews and adjustments as your life changes.
FEE SCHEDULE
$0 to $1M in assets — 1% annually
$1M to $5M — 0.8% annually
$5M to $10M — 0.6% annually
$10M and above — Custom schedule
Billed quarterly at 0.25% of assets under management. Accounts are held at Altruist or Charles Schwab.
Accounts we can open for you:
- Roth IRA/Backdoor Roth IRA
- Traditional IRA
- Rollover IRA
- Individual Brokerage
- Joint Brokerage
- Solo 401(k)/Roth Solo 401(k)
- SEP IRA
- S CORP & C CORP Accounts
- UTMA & UGMA
- Trust
- Donor Advised Fund
- Minor IRA/Roth IRA
A note on how investment management and financial planning work together: Zenith’s investment management service is paired with a comprehensive financial planning engagement. Clients who transition $500K or more in investable assets to Zenith have their planning fee fully covered by the investment management fee. The threshold varies by household type and your advisor will walk you through it on your intro call.
FAQs
We believe achieving your financial goals requires more than just investment management—it demands a holistic approach. That is why we start every relationship by creating your financial plan. From there, we offer our Investment Management services exclusively for our clients who have a financial planning relationship with us. This integrated strategy ensures that every aspect of your financial life is aligned and optimized for success.
The fee for our investment management services starts at 1% of Assets under Management. The fee decreases to 0.80% once your account value passes $1 million.
No! We do not have a minimum to get started investing at Zenith Wealth Partners. Our clients are high earning families and professionals who have a wide range of net worth and investable asset levels. We work to develop long term relationships with clients that extend well beyond investing.
We start by thoroughly understanding your financial goals, risk tolerance, and time horizon. We then follow this with a values mapping exercise to ensure we understand what is important to you. Our team then crafts a personalized investment strategy that aligns with these factors and regularly reviews and adjusts it to keep pace with your evolving needs and market conditions.