Financial Zen fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed September 2, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$1,000⁠-⁠$15,000

“Financial Planning consists of an upfront charge of $1,000-$15,000 for the initial onboarding process.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Financial Zen bills

Payment and refund terms, quoted from the fee section of the brochure.

• “For ongoing financial planning after the initial onboarding process, an ongoing fee is paid monthly or semi-annually in advance, at the rate of $50-1500 per month.”
• “Fees for this service may be paid by electronic funds transfer or check.”
• “Upon termination of any agreement, the fee will be prorated, and any unearned fee will be refunded to the Client.”

How Financial Zen’s fees compare

• Its flat or project fee of $1,000-$15,000 spans the California median of $5,000. 74% of the 796 other California planners that publish a flat or project fee charge less.
• 21 of the 35 other planners in San Francisco that publish a flat or project fee charge less.

About Financial Zen

• Principal: Richard Valenzi
• Firm size: 4 employees.
• Credentials named in the brochure: CFP®.
• Founded: 2016 (10 years).

Planning areas mentioned in the brochure

• Retirement planning
• Estate planning
• College planning
• Business owners
• Cash flow and budgeting

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

0.5% a year

Clients

107

Employees

4

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning, portfolio management for individuals and small businesses, newsletters and publications, and educational seminars and workshops

Assets managed

$167,610,372

Registered with

U.S. Securities and Exchange Commission

Disciplinary disclosures

None reported

SEC CRD number

282230

Website

linkedin.com/in/rvalenzi (opens in new tab)

Phone

(415) 792-0345

Can advise clients in 3 states: California, New York, Texas

Other planners in San Francisco that publish fees

• Amoretti Capital ManagementSan Francisco$450/hr
• Applied AdvisorSan Francisco$285/hr, $285
• Benningfield Financial Advisors, LLCSan Francisco$375/hr, $7,500/qtr
• Berkeley Investment AdvisorsSan Francisco$6,000/yr
• BPM Wealth Advisors, LLCSan Francisco$250⁠-⁠$50,000
• Bridgelane FinancialSan Francisco$500/hr, $5,000⁠-⁠$20,000

Compare all 107 planners in San Francisco