# Financial Zen

> Financial Zen is an SEC-registered investment advisory firm in San Francisco, CA, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 2, 2026.

- CRD: 282230
- Filed as: FINANCIAL ZEN
- Legal name: The Financial Zen Group, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Francisco, CA
- Filing period: October 2026
- Form ADV filing dated: September 2, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/282230
- AdvisorCensus page: https://advisorcensus.com/firm/financial-zen-san-francisco-ca-282230

## Quick answers

**How is Financial Zen compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Zen reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Financial Zen located?**
Financial Zen's principal office is in San Francisco, CA, according to its Form ADV.

**Is Financial Zen registered with the SEC or a state?**
Financial Zen is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 282230.

**How much does Financial Zen manage?**
Financial Zen reports $167,610,372 in regulatory assets under management in its Form ADV filing dated September 2, 2026 (100% discretionary).

**What types of clients does Financial Zen serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (69); high net worth individuals (38).

**Which custodians does Financial Zen use?**
Financial Zen's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Financial Zen report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/282230

**Does Financial Zen state an account minimum?**
Its Form ADV Part 2A brochure dated June 26, 2026 says: "We do not have a minimum account size requirement."

**What changed in Financial Zen's recent Form ADV filings?**
In the August 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated June 26, 2026)

- Account minimum: None

> We do not have a minimum account size requirement.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $167,610,372
- Discretionary: $167,610,372
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 69 | $44,121,891 |
| High net worth individuals | 38 | $123,488,481 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 2026 (0 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- financialzen.com
- financialzengroup.com
- Facebook @rick.valenzi
- Instagram @rickvalenzi
- LinkedIn @RVALENZI
- X @rickvalenzi
- YouTube @UCaOrvo_VQK6MOqg9-QPz2Bw

## Changes in the filing (last 12 months)

### August 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Zen (CRD 282230): Form ADV filing data as of October 2026.