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While each of our clients is unique, they all have one thing in common: They want unbiased investment advice from experienced professionals. Sound financial guidance and a long-term perspective will help you achieve your goals more steadily than short-term speculative investments.

Asset Management

  • Assessing Risk Tolerance
  • Investment Diversification
  • Tax Efficient Investing
  • Portfolio Rebalancing

Retirement Planning

  • Estate Planning
  • Withdrawal Strategies
  • Defending Against Market Volatility
  • Diversifying Your Retirement Income

Financial Planning

  • Education and College Planning
  • Insurance & Risk-Management Analysis
  • Large Purchase Analysis
  • Tax Planning

Design, Build, Protect

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life…not with the short-term ups and downs of markets.

You should have a financial blueprint to help you manage your opportunities, needs, concerns and goals. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.

There are three things to remember about how Asset Class Investing can work for you and your family:

1. It focuses your investment portfolio on meeting your life goals.
It is an approach designed to help you manage towards your most important goals rather than to short-term market trends.

2. It is based on science and academic research.
It combines the latest discoveries in economics and investing with close to 90 years of market data and insights as well as in-depth studies of investor psychology and behavior.

3. It is a disciplined and structured approach.
It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.

This video details an advisory process designed to uncover what is most important to you, in order to put together the best possible long-term plan.

ZRC Wealth Management serves a variety of clients and investors here in Northern California and across the globe. They come from diverse backgrounds – many have their own businesses, are busy professionals, employed at large public companies, or are retired. Most come to us seeking clarity, confidence, and expertise in achieving their financial goals.
This includes;

Nearing retirement

clienttyperetireAt ZRC Wealth Management, we help you retire with confidence. We have expertise in helping you prepare to leave the workforce and enter the next exciting chapter of your life. We’ll create a detailed financial plan that will give you a road map to retirement … and beyond. Additionally, we’ll manage your investments to combat the three biggest threats to a long and enjoyable retirement: Longevity Risk, Inflation Risk, and Investment Risk.

Busy families

clienttypefamilyBusy families juggle a lot: work, children, school, home, each other. It can be difficult to find even the time to have a coherent conversation about planning for the future, much less actually do something about it. This is where ZRC can help. We understand that time is your most valuable asset. Our services are high-touch, yet delivered efficiently in-person, on the phone, via email or video-conferencing. ZRC caters to your needs, providing a customized experience.

Attorneys

clienttypeattorneyZRC understands the pressures of being an attorney: deadlines, travel, hearings, depositions. We have years of experience working with a variety legal professionals and are responsive to their unique needs.

 

Business Owners

clienttypebusinessAs business owners ourselves, ZRC understands the complexity of running a business. From accounting, employee benefits, buy-sell agreements, financing, we’ve seen it all. We’ll coordinate activities with your other advisors (CPA, attorney, banker) or open our expert-network to you.

 

Executives with equity

clienttypeexecutiveFor executives and employees of publicly traded (and pre-IPO) companies, ZRC helps realize meaningful value from company sponsored stock, option, and equity compensation plans. In these instances, advanced Financial Planning is critical in addressing the potential nuances and variables that may be specific to your company’s offering.

We’ll analyze your vested and non-vested equity positions, create an Investment Plan that is unique to you and your goals and that is dynamic in nature (capturing changes in your company’s stock price), help you realize value in the most tax-efficient manner (coordinating activities with your accountant), and analyze your total benefit package – seeking to maximize benefits from your 401K, Deferred Comp, Pension, Life and Disability Insurance.

 

Experiencing change

clienttypechangeAt times in our life, all of us will experience a period of change – such as a career change, divorce, or loss of a spouse. During these often difficult times, sound, objective, and comforting guidance can aid a person during a particularly challenging time in their life.

 

Retirees

clienttyperetireesYou worked hard during your career and want to know how to sustain your wealth … and lifestyle. ZRC works with retirees, so that they can enjoy the fruits of their labor instead of worrying about their finances and investments.

 

Values-Based Investing

clienttypevaluesMany investors wish to align their investments with their personal values. Often referred to as “Socially Responsible Investing” or investing based on positive ESG (Environmental, Social, and Corporate Governance) criteria, ZRC Wealth Management has expertise in helping clients make investments where good corporate practices and growing their wealth are not mutually exclusive.

Whether across the street, across the bay, or across the ocean – we recognize that every client is unique and we serve them the way they want to be served.”

— Barry Mendelson

Financial Advisor & Managing Partner,
ZRC Wealth Management