Sum Zero Wealth offers fee-based comprehensive financial planning and portfolio management services. Sum Zero Wealth helps clients develop strategies for retirement, tax optimization, cash flow and budgeting, financing, financial education, estate planning, and asset protection. Following the planning phase, Sum Zero Wealth recommends custom investment portfolios managed on a discretionary basis using models primarily developed by BlackRock. To implement and manage these portfolios, Sum Zero Wealth refers client accounts to third-party sub-advisors SmartLeaf Asset Management or 55I, LLC, depending on whether tax optimization or specific account types are required. Sum Zero Wealth's primary investment approach utilizes strategic allocation for long-term value investing, alongside tactical allocation strategies to reduce risk and enhance performance when appropriate. The firm operates as a registered investment advisor and requires clients to hold their assets at Charles Schwab & Co., Inc. The firm's professionals are also licensed insurance producers and provide tax preparation services for separate compensation.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $3.0M | 0.95% |
| $3.0M - $5.0M | 0.65% |
| $5.0M - $10.0M | 0.40% |
| $10.0M - $25.0M | 0.30% |
| $25M+ | 0.20% |
Fees are calculated on a blended tier schedule and are negotiable at the sole discretion of Sum Zero Wealth. SmartLeaf charges an additional model fee of 0.05% to 0.20% when applicable.