Fourzan Financial is a registered investment advisor based in Chula Vista, California, owned and operated by Sergio Fourzan. The firm provides personalized investment management and financial planning services for individuals, high-net-worth individuals, families, and trusts. For managing investments, Fourzan Financial uses a core strategy combining low-cost exchange-traded funds with selective active adjustments, as well as a more concentrated Focused Equity Strategy for eligible accounts. Portfolios are managed on a discretionary basis, meaning the firm makes trades on the client's behalf without needing prior approval for each individual transaction. In addition to core portfolio management, Fourzan Financial offers financial planning services either as part of an integrated relationship or as a standalone service covering retirement income projections, asset allocation, cash flow, budgeting, and education funding. The firm emphasizes a research-driven approach utilizing top-down macroeconomic analysis and fundamental security analysis while placing a strong focus on aligning portfolios with each client's specific risk tolerance and time horizon.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 0.95% |
| $100K - $250K | 0.85% |
| $250K - $1.0M | 0.75% |
| $1.0M - $3.0M | 0.65% |
| $3.0M - $10.0M | 0.55% |
| $10M+ | 0.45% |
Fees are negotiable at the firm's discretion. Accounts managed under the Focused Equity Strategy incur an additional 0.25% annual fee on all assets in that strategy.