Zidel Financial, Inc. provides financial planning and investment advice. Financial planning includes tax planning,
insurance planning, retirement planning, and estate planning. Zidel Financial does not provide legal or tax advice.
Zidel Financial analyzes a client's financial situation and makes appropriate recommendations for strategies and
methods of implementation of the strategies. The firm has provided these services since 2005, and Douglas Zidel is
the principal and only owner of the firm.
Zidel Financial, Inc. implements asset allocation strategies using the following liquid asset classes: stocks, bonds,
publicly-traded real estate investment trusts (REITs), commodities, and cash equivalents. The firm primarily uses a
mix of open-ended mutual funds, exchange-traded funds (ETFs), publicly-traded real estate investment trusts
(REITs), stocks, preferred stocks, bonds, and certificates of deposit (CDs) to implement the asset allocation.
Zidel Financial, Inc. bases the appropriate asset allocation
strategy based on individual client needs, determined
by, including but not limited to the client’s age/time horizon, income, expenses, assets, liabilities, risk tolerance,
liquidity needs, and investment experience. Clients can impose certain restrictions on investments to exclude an
asset class or investment in an industry that they find objectionable or have a high concentration of their net
worth in, for example.
Zidel Financial, Inc. does not provide "wrap-fee" programs (also known as "separately managed accounts"). For
some clients, Zidel Financial, Inc. provides a service to the client by selecting and monitoring money managers on
their behalf that do provide "wrap-fee" programs (see item 5, Fees, and Compensation).
Zidel Financial, Inc. manages $140,696,444 in discretionary account assets as of March 25, 2024, for a total of
$140,696,444. Zidel Financial does not manage assets on a non-discretionary basis.
Additionally, Zidel Financial advises, but does not manage, assets of $10,890,079.