About Fizone

FINANCIAL ADVICE WITH YOU IN MIND
FIZONE is a financial planning and investment portfolio services firm. (It’s pronounced fi-zone, as in financial zone.) Our goal is to provide investment and financial advice that is not influenced by any other factor than a desire to serve the needs of our clients.

Fizone will assist you with wealth accumulation through education and as an advocate.

WHY FIZONE?
The financial industry has been tainted by wide-spread fraud in the past few years. And financial firms have been exposed for their practice of selling financial products rather than being a client advocate. We will be your advocate and make your financial success our goal.
Our web site, fizone.com, is educational in nature. It explains why we give the advice we do, and you may use the site without becoming a client. If you are accumulating financial assets by investing on your own and through company 401(k)s, and decide you want assistance in managing these assets, we will work with you to achieve your financial objectives. Unlike big brokerage firms and many investment advisors that only accept clients with at least $1 million in assets, we will work with you even if you are just starting out.

ADVISORY SERVICES
We can help you make the most of your 401(k), plan for retirement, develop and maintain an investment portfolio, and make progress confronting and dealing with financial issues you’ve been avoiding.

FEES
Ongoing investment reviews and portfolio management are billed as an annual fee (1% of assets managed) and paid quarterly. Some services are available on an hourly basis at $50 per hour.

FIZONE is registered as an investment adviser with the state of California.

Fizone Will Assist with Wealth Accumulation through Education and as an Advocate
If you and your spouse earn more than $112,851 ($67,701 single), every dollar you earn over that amount is taxed at 30%, only slightly less than the highest tax rate of 38.6%. Even though your government taxes you as if you are one of its richest citizens, you may be finding it difficult to accumulate financial assets. We can help.

If you are accumulating financial assets by investing on your own and through company 401(k)s, you may want assistance in managing these assets and determining whether what you have will help you attain your goals in life. Unlike big brokerage firms and many investment advisors that only accept clients with at least $1 million in assets, we will work with you even if you are just starting out.

The financial industry has been tainted by wide-spread fraud in the past few years. And financial firms have been exposed for their practice of selling financial products rather than being a client advocate. We will be your advocate, using companies that sell discounted service rather than push products, and make your financial success our goal.

This site will help you understand what we do, and eventually it will allow you to do a great deal on your own. You may use our site and never become a client, which is fine with us. One of our goals is to educate. If you would like to work with us, www.fizone.com will facilitate that, too, because our primary goal is to assist our clients in achieving their financial objectives.

I've been a partner of Fizone since its formation in 2002; I provide investment advisory services to Fizone clients and write investment articles for www.fizone.com .

As a vice president and investment counselor at Banc of America Securities, I advised more than 500 clients, and produced and presented investment seminars and workshops at our offices around the country. My early years in the business were spent on the institutional trading floor of Montgomery Securities and working with private client portfolio management at Morgan Stanley.

Phone: (530) 587-2146

Mike has worked in the financial services industry for over twentythree years. He served as Vice President, Management Information Systems for The Benham Group, a California based mutual fund company. There he developed portfolio management systems and gained a great deal of insight into mutual fund operations and investment management. He later served as Chief Information Officer for Montgomery Asset Management, another California mutual fund company. There he continued to increase his knowledge of investment management. Later he worked for several years as an IT consultant doing web site development for brokerage and banking firms.

Mike obtained his masters degree in finance from Golden Gate University in December 2005. His academic focus was on personal financial planning and investment management. He has been a registered investment advisor since 2002.

Phone: (650) 368-6390

Every financial web site should have the highest quality technical staff it can afford. We've got Joe.