Helping clients navigate their financial goals and objectives.

A family owned-and-operated financial services firm with over 40 years experience and expertise.

What We Do

The Services We Provide for Our Clients

Providing a broad range of financial and investment solutions, products, services, and strategies to help our clients achieve their financial needs and goals.

Retirement Planning

  • Lifestyle analysis
  • Social Security and pension
  • Retirement income
  • Healthcare

Asset Protection Planning

  • Life and disability insurance
  • Exempt assets and entity usage
  • Trusts

Financial Planning

  • Goals, needs, and wants analysis
  • Budgeting and cash flows
  • Debt analysis
  • Special circumstances

Investment Planning

  • Asset Allocation
  • Investment Selection
  • Tax-efficient investing
  • Risk-adjusted portfolio models

Wealth Management

  • Legacy planning and gifting
  • Charitable planning
  • Legal documents

A comprehensive
and holistic wealth management plan tailored to you.

Who We Help

The Clients and Families We Work With

The knowledge and expertise our team has is primarily focused on providing tailored solutions and the highest level of service to a niche market of clientele.

Our advisors understand the unique needs and day-to-day challenges you face as a business owner, and in growing your business. Often times your personal finances may be closely or directly associated with your company - making for more complicated financial and investment planning needs than the average investor.

Whether it be employee benefit and retirement plans, or formulating a succession or exit plan and transfer of that wealth to fund your retirement, or other investment related needs, we have the experience to serve as your holistic and comprehensive wealth manager so that you can continue to focus on the growth and success of your business.

Some of the largest financial decisions individuals will have to make in their lifetime relate to retirement. As you start to plan for your retirement, there are many questions to ask yourself - When is the perfect date for retirement? Have you identified your sources of retirement income? How much income will you need your assets and savings to generate for you to live comfortably? If you own a business, do you have a succession and/or exit strategy?

Our advisors serve as your loyal partner in evaluating your unique situation to assist you in addressing all of these issues in the most efficient and effective manner possible. While we help you preserve your wealth and create sustainable and life-long income to maintain your standard of living throughout retirement, we will also manage your required minimum distributions and determine the most tax-efficient ways to draw income from your taxable and tax-deferred investments.

Among the many aspects of our retirement planning process our advisors will also review topics like Social Security, Medicare, legal and estate planning, generational wealth transfer, and philanthropic efforts/contributions.  

An organization’s Board of Directors have an important responsibility to delegate who will oversee and manage the endowment on their behalf. This role includes considering how the endowment’s assets should be invested, who should invest them, establishing an investment policy, monitoring investment and portfolio returns, and evaluating the performance of the investment manager(s).

One of the ways in which The Zois Group and its advisors are committed to giving back to the community is by working directly with local non-profit organizations, and their Board of Directors, to help them utilize their assets to make positive and impactful changes in the community and to further pursue their mission, long-term goals, and objectives. As part of our commitment, we offer significantly discounted fees for 501(c)(3) organizations.

High high net worth individuals and families have needs and goals that are often unique, sensitive, specialized, and complex. For this reason, our goal is to provide outstanding value and solutions for our clients needs, providing them with the freedom and flexibility to enjoy life’s pleasures without the complicated stresses or burdens that wealth management can often bring.

At The Zois Group we believe that building relationships with the entire family and managing wealth across generations is essential in comprehensive planning. We are deeply committed to the success of our clients and strive to provide a highly personalized experience with each one - which is why we limit our client relationships to fewer than 100 families. The services we provide for these clients includes comprehensive wealth management, real estate investment strategies, tax-efficient investment strategies, consolidated performance and tax-reporting among all asset classes, philanthropy, and family governance.

A common mistake high net worth individuals often make is setting up same types of investment accounts with multiple financial institutions, attempting to diversify their risk. Diversification, in reality, is how your money is invested, not where it is held. We advice our clientele to consolidate their assets with just one reliable advisor for many reasons, including: lower costs, streamlined administration, no duplication of investments and efforts, simplified estate settlements, and easier and more efficient retirement planning.

Part of our commitment to your success, The Zois Group coordinates your financial affairs with other third-parts advisors you may already have, including CPA’s, attorneys, estate planners, and insurance providers, because we believe that having everyone on the same team improves the chances of achieving your needs and goals.

Our Approach

The Wealth Management Process

By adhering to a proven process, our wealth management approach allows us to understand your goals and develop adequate advice for your unique situation.

Step No. 1

Discovery & 
Fact-Finding

  • Introduction meeting
  • Identify your goals, needs, values, and dreams
  • Determine your risk profile
Step No. 2

Analyze, Develop,
& Execute

  • Analyze current investment and financial plan(s)
  • Develop financial plan and asset allocation
  • Construct portfolio
  • Open new account(s) and transfer assets
Step No. 3

Wealth
Management

  • Active portfolio management
  • Financial goals analysis and planning
  • Retirement and estate planning
  • Income and liquidity needs
  • Insurance and liability management
Step No. 4

Ongoing
Relationship

  • Weekly newsletter and articles
  • Monthly check-in calls
  • Quarterly, face-to-face, performance reviews
  • Update financial goals based on life-stage changes

When To Plan

The Three Financial Life-Stages

Everyone shares the same three life stages, but no two individuals will need the exact same advice. Each situation is unique in nature and requires precise and adequate planning.

During an individual’s working lifetime, their main focus financially tends to be acquiring investable assets and on the growth and accumulation of their wealth.

Our advisors assist individuals manage investment risk, actively manage portfolios and assets to maximize potential returns, while assisting through liquidity events such as entertainment and travel, taxes, and purchasing homes.

Once an individual nears or enters retirement, their main focus should be how to preserve their hard-earned savings while maximizing their retirement benefits.

Our advisors assist individuals plan for important decisions such as income, healthcare and long-term care planning, as well as taking into consideration important decisions like Social Security, Medicare, and Estate Planning needs.

Your financial legacy does not have to stop after your lifetime. With proper planning, your wealth and legacy can be passed down throughout generations to come and benefit many others along the way.

Our team assists individuals plan on how to efficiently give to their family, philanthropy and charity, and ultimately transfer their wealth and estate over multiple generations.

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Lets Have A Conversation

Our team is always available to answer any questions you may have. Contact us today to schedule a no-strings-attached conversation with The Zois Group team. We will discuss your specific goals, your current financial situation, and what is most important to you and your family.