Who We are

Zen Financial is a 100% independent, fiduciary advisory firm. No broker-dealer. No commissions. We work for our clients — exclusively.

We serve businesses and their retirement plans, and we serve individuals and families with their personal investments. Two sides of the same commitment: build a real process, apply it with discipline, and grow our clients.

That word — grow — is important. A lot of firms in this industry measure success by how many clients they bring in. We measure success by how much we grow the clients we already have. Whether that’s helping someone save more through a smarter strategy, positioning their accounts so everything works together, or finding opportunities to reduce their tax burden — our focus is always on moving the needle forward for the people who are already here.

Zen Financial is based in Andover, Massachusetts and York, Maine, serving clients across New England.

There’s a reason we chose to build the firm here. The New England coast has a way of putting things in perspective — it reminds you what you’re working for. When we’re not working with clients, you’ll find us hiking, running along the coast, exploring by boat, or out on a Sunday drive through southern Maine. It’s the kind of life our clients are working toward, and it keeps us grounded in why this work matters.

Every conversation with a Zen Financial client has a purpose. Here’s the reality of working with us:

We have a system, and we follow it.

Our investment management process has defined trigger points for every market condition. When markets are up, we have a playbook. When markets are down, we have a playbook. We don’t react emotionally and we don’t make guesses. We execute a disciplined process that’s been built to perform across market cycles.

We get things done.

When you meet with us, things move forward. Action items get completed. Strategies get implemented. Accounts get positioned. We’re not in the business of talking about what we could do — we’re in the business of doing it.

We communicate when it matters.

Our communication isn’t random, and it isn’t scripted corporate email blasts. It’s built into our investment management system. When market conditions shift, you hear from us — with context, not panic. When things are going well, you hear from us too — because you should know when your strategy is working.

We scale with you.

Our portfolio system is designed to grow as you grow. Whether you’re starting with your first investment account or you’ve accumulated significant assets, we have a strategy that fits. And as your financial picture evolves, your strategy evolves with it. You don’t outgrow Zen — Zen grows with you.

We don’t chase new clients. We grow the ones we have. That’s a fundamentally different way to run an advisory firm, and it changes everything about how we work, how we communicate, and how we measure success. 

I work with business owners who want to keep far more of what they earn and build wealth with stronger, more intentional systems. I guide and execute alongside owners as their strategic financial partner. That includes designing and running retirement plans like Solo 401(k)s, 401(k)s with employees, and cash balance plans, while also coordinating with CPAs, attorneys, payroll companies, and third-party administrators. My role is to take the complex financial work that sits on the back burner and move it forward with precision. For owners who have employees, I also help their teams understand and use the retirement plan. I built this firm because I saw how often business owners work hard, generate strong income, and still lose unnecessary dollars to taxes and fragmented planning.

As a business owner myself, I understand the pressure, the workload, and the nonstop decisions. Owners come to me because they want meaningful tax reduction, stronger structure around their financial life, and a partner who actually understands what they deal with every day. My goal is simple. Significantly reduce taxes, strengthen the systems that build wealth for their family, and turn their business into a long-term financial engine.

Alongside my client work, I teach in CFP® certification programs at Boston University, Regis College,  and through Greene Consulting who partners with the University of New Hampshire, University of Georgia, and James Madison University — working with financial advisors and aspiring planners across the country. 

With nearly two decades of experience in sales, operations, and process optimization, Erika has built a career focused on efficiency, organization, and strategic problem-solving. She has a strong background in streamlining workflows, managing complex projects, and implementing systems that enhance productivity.

Beyond work, Erika lives on the North Shore with her family and their beloved dog, Joey. She enjoys running, great food, and even better company, always finding ways to balance a busy professional life with the things that matter most. Known for her proactive approach and attention to detail, she is passionate about creating seamless solutions that drive success.