Wealth Management For Every Part Of Your Financial Picture

A coordinated approach to investing, retirement, tax-aware planning, and wealth transfer for families, business owners, and executives across the greater Sacramento region.

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CFP^®Certified Financial Planner^™ Professionals On Staff
AIF^®Accredited Investment Fiduciary^® Advisors
FeeFee-Based Services For Transparency
2007Serving Families and Business Since 2007

Wealth management is the work of bringing every part of your financial picture into one coordinated plan, so that your investments, taxes, retirement income, and legacy decisions support the same goals rather than pulling in different directions.

At Zeller Kern Wealth Advisors, we serve families, business owners, and executives throughout Gold River, Sacramento, and the surrounding communities. Our work is organized around our Focused Wealth^® Process, a repeatable framework for understanding what matters to you, building a plan to pursue it, and revisiting that plan as your life and the markets change.

Whether you are approaching retirement, managing a concentrated stock position, preparing to sell a business, or simply want a clearer view of how your money is working, this page is the starting point. Below you will find the individual areas we help clients navigate, along with the people who do the work and answers to the questions we hear most often.

Why Coordinated Wealth Management Matters

As wealth grows, so does the number of moving parts. Retirement accounts, taxable portfolios, equity compensation, business interests, insurance, and estate documents each follow their own rules. When they are managed in separate silos, decisions in one area can quietly work against another.

Taxes Compound Over Time

The top federal long-term capital gains rate is 20 percent, and California taxes capital gains as ordinary income at rates up to 13.3 percent. Coordinating when and how gains are realized can meaningfully affect what you keep. (Source: IRS; California Franchise Tax Board.)

Retirement Lasts Decades

A 65-year-old today can expect to live roughly 20 more years on average, and many will live longer. A plan that turns savings into durable, tax-aware income matters as much as the savings themselves. (Source: Social Security Administration.)

Concentration Carries Risk

Executives and business owners often hold a large share of their net worth in a single company. A deliberate strategy for diversifying, hedging, or exiting that position can reduce the risk of an outsized outcome tied to one asset.

Plans Need Revisiting

Tax law, markets, and family circumstances all change. A wealth plan is not a one-time document. Reviewing it on a regular cadence helps keep your strategy aligned with where your life is now, not where it was years ago.

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Our Focused Wealth Process

After several years of providing wealth education, investment management strategies, and financial planning, the practitioners at Zeller Kern Wealth Advisors have developed a comprehensive planning process known as the Focused Wealth Process©.

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Discover
Your Purpose

Identify and understand your life goals, values, family, and financial aspirations.

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Develop
the Plan

Create a personalized, comprehensive wealth plan tailored to your unique objectives.

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Implement
the Plan

Execute the tailored strategies designed to help you grow, protect, and manage your wealth.

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Manage
the Results

Regularly review and adjust your plan so it aligns with your evolving financial goals.

Our Wealth Management Services

Each area below is a distinct part of how we help clients across Gold River and Sacramento. Explore the one closest to your situation, or reach out and we will help you find the right starting point.

Investment Management Portfolios built to your goals, time horizon, and tolerance for risk, and reviewed on an ongoing basis. Explore Investment Management → Retirement Plan Design Turning savings into a tax-aware income strategy designed to last through a long retirement. Plan Your Retirement Income → Tax-Efficient Strategies Coordinating investment and withdrawal decisions to help manage the tax cost of building and using wealth. See Tax-Efficient Strategies → Estate Planning Strategies Helping align your accounts, beneficiaries, and documents so wealth transfers the way you intend. Explore Estate Planning → Concentrated Equity Planning Strategies for executives holding a large position in a single company's stock. Manage Concentrated Equity → Post-Sale Planning Investment and cash-flow planning for owners who have sold or are preparing to sell a business. Plan After A Business Sale → Sudden Wealth Planning A steady framework for a large, unexpected inflow from a sale, inheritance, settlement, or windfall. Navigate Sudden Wealth → Business Transition Support Coordinating retirement and personal planning around the transition out of a business you own. Prepare Your Transition →

Why Families Choose Zeller Kern

Choosing an advisor is really a decision about who you want in your corner for the next decade and beyond. At Zeller Kern Wealth Advisors, you are not handed off to a call center or a rotating account team. You work directly with the two advisors whose names are on the door, both of whom hold fiduciary credentials and built the planning process that guides every client relationship.

A Fiduciary Standard

Both advisors hold the Accredited Investment Fiduciary^® designation. Our advisory recommendations are made in your best interest within the advisory relationship, so the advice you receive is built around your goals.

A Proven Process

Our Focused Wealth^® Process gives structure to the work: understand what matters to you, design a plan to pursue it, put it into action, and revisit it on a regular cadence as life and markets change.

Direct Access

You talk to the people making the recommendations. When you have a question about a market move, a tax decision, or a life change, you reach an advisor who already knows your situation.

Rooted In Sacramento

The firm has served families, business owners, and executives from its Gold River office since 2007, with deep familiarity with the financial questions facing the greater Sacramento region.

Meet Your Advisors

Steven E. Zeller

CFP^®, AIF^® · President & Co-Founder

Steven is a CERTIFIED FINANCIAL PLANNER^™ professional, a Nonqualified Plan Consultant, and an Accredited Investment Fiduciary. As a practicing Wealth Advisor and president of the firm, he leads comprehensive planning for families, executives, and business owners, connecting investments, retirement income, and tax and estate decisions into one coordinated strategy. He co-founded Zeller Kern to give clients a clearer, more purposeful way to manage their wealth.

Read Steven's full bio →

Trevor K. Kern

AIF^® · Vice President / CFO & Co-Founder

Trevor is an Accredited Investment Fiduciary and an Accredited Asset Management Specialist. As a practicing Wealth Advisor and the firm's vice president and chief financial officer, he focuses on proactive financial planning and investment management, keeping client portfolios aligned with each family's goals and comfort with risk. Together with Steven, he shaped the vision behind the firm's Focused Wealth^® Process.

Read Trevor's full bio →

Executives Tailored financial strategies to help executives manage wealth, optimize benefits, and plan for retirement.

Business Owners Helping business owners build their wealth, build the value of their company, and improve employee satisfaction and loyalty.

Accumulators Personalized guidance for high net worth families to help build, preserve, and transfer wealth across generations.

Areas We Serve

Our office sits in Gold River, and we work with families, business owners, and executives throughout the greater Sacramento region. We also serve executives and business owners nationally on concentrated equity and liquidity planning.

Gold River
Sacramento
Rancho Cordova
Folsom
El Dorado Hills
Roseville
Elk Grove
Greater Sacramento
Nationally

Zeller Kern Wealth Advisors
2377 Gold Meadow Way, Suite 100
Gold River, CA 95670
916.436.8270

It's Time For a Purposeful Conversation

Ready to take control of your financial future? Connect with Zeller Kern Wealth Advisors today for a meaningful discussion about your goals, values, and wealth management needs. Let's work together to create a plan that helps you grow, protect, and strategize your portfolio with confidence.

Request A Wealth Management Consultation Prefer to talk now? Call 916.436.8270

Frequently Asked Questions

What is wealth management, and how is it different from investment management?

Investment management focuses on building and overseeing your portfolio. Wealth management is broader. It coordinates your investments with retirement income, tax planning, estate decisions, and any business or equity interests so that the pieces work together toward the same goals.

Who does Zeller Kern typically work with?

We work with families, business owners, and executives across Gold River, Sacramento, and the surrounding communities. Many clients come to us around a meaningful transition, such as approaching retirement, managing concentrated company stock, or selling a business.

Is Zeller Kern a fiduciary?

Our advisors hold the Accredited Investment Fiduciary designation, and our advisory recommendations are made in your best interest within the advisory relationship. Securities and advisory services are offered through Equitable Advisors, LLC, member FINRA/SIPC and an SEC-registered investment advisor.

What is the Focused Wealth Process?

Focused Wealth^® is our planning framework. It is a repeatable way of understanding what matters to you, building a plan to pursue those goals, and revisiting that plan on a regular cadence as your life and the markets change.

Do you help with tax and estate planning?

Yes. We coordinate tax-aware investment and withdrawal strategies and help align your accounts, beneficiaries, and documents with your estate goals. For the preparation of tax returns and legal documents, we work alongside your accountant and attorney.

How do I get started?

The first step is a conversation. You can request a consultation through the form on this page or call our Gold River office at 916.436.8270. We will talk through your situation and help you find the right starting point.