Financial planning is the process of organizing your finances and investments to help you reach your short- and long-term financial goals.

It typically involves understanding your income, expenses, savings, investments, taxes, insurance, and goals, then creating a coordinated strategy to manage them over time.

Financial planning is for anyone who wants to be intentional about their money and financial goals, regardless of income or net worth. 

Whether you’re early in your career, managing growing responsibilities, preparing for retirement, or navigating life changes, financial planning helps provide structure and direction.

A financial advisor helps clients organize their finances, understand investment options, and make informed financial decisions aligned with their short- and long-term goals. 

At Zero Day Capital, our advisors help with financial planning, investment management, retirement planning, college planning, tax strategy, equity compensation guidance, estate planning, and more.

No. Anyone can benefit from working with a financial advisor, regardless of net worth. 

While many advising firms require high account minimums, Zero Day Capital believes quality financial advice should be accessible to everyone. We offer financial planning with no account minimums, meaning you can get expert guidance at any stage of your financial journey.

A fiduciary financial advisor is legally required to act in your best interest.

Not all financial advisors are fiduciaries. Fiduciary advisors must put clients first, avoid conflicts of interest when possible, and fully disclose how they are compensated. This standard provides an added layer of trust and transparency for clients.

Financial advisors are paid in different ways, depending on their business model.

At Zero Day Financial, our pricing is simple and transparent. For clients who choose ongoing investment and portfolio management, we charge a percentage-based annual advisory fee based on the assets we manage.

For clients who want financial planning, retirement analysis, or ongoing advice without investment management, we offer flat-fee and subscription-based pricing options.

The primary difference is how services are delivered.

Traditional advisors often require in-person meetings, while online financial advisors work remotely using secure digital tools. Zero Day Capital’s fully remote model allows for greater flexibility, convenience, and accessibility—without the need for office visits or geographic limitations.

Zero Day Capital is a fee-only, SEC-registered investment advisor that operates under a fiduciary duty.

This means we are legally and ethically required to act in our clients’ best interests. We offer full transparency, no commissions, no account minimums, and 24/7 online access to financial information, so our clients always know how their money is being managed.