Investment Management That Puts Your Interests First
We Serve people in Scottsdale, AZ, Brookfield & Johnson Creek Wisconsin
Smart Investment Management Strategies
Managing investments shouldn’t keep you up at night wondering if your advisor is looking out for you or their own bottom line.
That’s why Family Wealth Advisors operates on a simple principle: we get paid only by you, never by investment companies trying to push their products.
Our team—Jeffrey J. Biro, W. Ryan Zenk, and Michael Wendt—has been helping families and business owners in Arizona and Wisconsin build and protect their wealth for years.
We know these markets inside and out, from Scottsdale’s tech boom to Wisconsin’s manufacturing backbone.
When you work with us, you’re getting advisors who are legally required to put your interests first.
No hidden fees, no surprise commissions, just straightforward advice designed to help you reach your goals.
How We Manage Your Investments
Every client gets a personalized investment strategy.
We don’t believe in cookie-cutter portfolios because no two families have identical goals, timelines, or comfort levels with risk.
Building Your Portfolio
We start by getting to know you.
What keeps you up at night?
What are you trying to accomplish?
Are you saving for retirement, your kids’ college, or maybe planning to sell your business someday?
Once we understand your situation, we build a diversified portfolio that matches your risk tolerance.
This might include stocks, bonds, and alternative investments—whatever makes sense for your specific circumstances.
Ongoing Management and Adjustments
Markets change. Life changes. Your portfolio should change too.
We continuously monitor your investments and make adjustments when needed.
Maybe the market shifted, maybe your business grew faster than expected, or maybe you’re getting closer to retirement.
We stay on top of it so you don’t have to.
Why Fee-Only Matters
Here’s the thing about traditional financial advisors: many get paid by the investment companies whose products they sell.
That creates a conflict of interest. Are they recommending what’s best for you, or what pays them the highest commission?
No Commissions, No Conflicts
We only get paid by our clients. Period.
This means every recommendation we make is based on what’s best for your situation, not what earns us the biggest paycheck.
You’ll know exactly what you’re paying for our services.
No hidden fees buried in fund expenses.
No surprise charges.
Just transparent, straightforward pricing.
Fiduciary Responsibility
We’re legally bound to act in your best interest.
It’s not just good business practice—it’s the law. This fiduciary duty means we have to put your needs ahead of our own profits.
Local Expertise Across Arizona and Wisconsin
Having offices in both states gives us unique insights into regional economic trends and tax implications that can significantly impact your investment strategy.
Understanding Your Local Market
Arizona’s economy is driven by technology, real estate, and tourism.
Wisconsin’s strength lies in manufacturing, agriculture, and healthcare.
These different economic drivers create different investment opportunities and risks.
We stay connected to local business communities and economic development in both states, giving us insights that purely national firms might miss.
State Tax Considerations
Arizona and Wisconsin have very different tax structures.
What works in one state might not be optimal in the other.
Our advisors understand these differences and factor them into your investment strategy.
For example, Arizona’s lower income tax rates might make certain investment strategies more attractive, while Wisconsin’s tax structure might favor different approaches.
Comprehensive Wealth Management
Investment management doesn’t happen in a vacuum.
Your investments need to work alongside your other financial goals—retirement planning, tax strategy, estate planning, and risk management.
Coordinated Financial Planning
We integrate your investment strategy with your overall financial plan.
This means your portfolio is designed to support your specific goals, whether that’s retirement, funding your children’s education, or building a legacy for future generations.
For Business Owners
If you own a business, your investment strategy needs to account for the unique challenges you face.
We help coordinate your business assets with your personal investments, plan for key person risks, and develop strategies for eventual business succession or sale.
Frequently Asked Questions
What does “fee-only” actually mean?
It means we only get paid by you, our client. We don’t receive commissions from investment companies, insurance companies, or anyone else. This eliminates conflicts of interest and ensures our advice is always in your best interest.
How is working with a fiduciary different?
A fiduciary is legally required to put your interests first. Not all financial advisors are fiduciaries—many work under a “suitability” standard, which just means their recommendations need to be suitable, not necessarily in your best interest.
What makes your approach different for high-net-worth clients?
High-net-worth families face unique challenges: complex tax situations, estate planning needs, and often multiple income sources. We develop sophisticated strategies that address these complexities while keeping your overall goals in focus.
How do you handle market volatility?
Market volatility is normal and expected. We build portfolios designed to weather these storms while staying focused on your long-term goals. We’ll communicate with you during volatile periods and make adjustments only when they serve your best interests.
Can you help with both Arizona and Wisconsin tax implications?
Absolutely. Our advisors understand the tax structures in both states and can help you navigate the differences. This is particularly valuable if you have business interests or property in both states.
How do you determine your fees?
Our fees are based on the assets we manage and the complexity of your situation. We’ll be completely transparent about our fee structure during our initial consultation. You’ll know exactly what you’re paying and what services you’re receiving.
Why Choose FWA
The FWA Team
Meet the Advisors Who Put Your Interests First
Jeffrey J. Biro, CEP, RFC
President
W. Ryan Zenk, JD, CFP®
Chief Executive Officer
John Oxenhandler
VP of Investment Operations
Mike Wendt
Registered Representative
Debbie Basom
New Client Services Director
