Fee-only financial consulting for business owners and individuals in downtown San Diego operates through Zion Financial Management at 1620 Fifth Avenue, near the Bankers Hill border overlooking Balboa Park. Founded in 2020 as a self-owned advisory, Zion structures its practice around financial education and retirement projection modeling, producing customized planning deliverables through local print production at RushMyPrints in the downtown core. Service categories span retirement planning, life insurance evaluation, and investment allocation analysis calibrated to each client's risk tolerance and time horizon. The fee-only model eliminates commission-based product sales, removing the $1 million-plus asset minimums common at institutional advisory desks and aligning with the cost-transparency stance promoted by San Diego County Taxpayers Association. Highest-value planning engagements involve income-oriented investment portfolio construction using balanced hybrid models, Social Security bridge strategy design, and qualified plan rollover sequencing with tax-bracket optimization.