# Prudence Zhu

> Prudence Zhu is a fee-only financial advisor at Enso Financial in Phoenix, Arizona, who holds the CFP, CFT-I and CPA credentials. Prudence charges a percentage of assets, a flat fee or retainer, an ongoing planning fee and hourly fees (ongoing planning from $5,500 a year and $300 an hour) and focuses on small business owners, divorce financial planning and retirement planning.

Page: https://find.wellspent.co/advisors/prudence-zhu/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Enso Financial
- **Based in:** Phoenix, Arizona
- **Fee model:** Percentage of assets; Flat fee or retainer; Ongoing planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $5,500 a year; $300 an hour; 0.39%–0.99% a year of assets managed; no asset minimum
- **Works virtually:** Yes (firm's website)
- **Languages:** Mandarin
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $2.1M across 40 accounts
- **Credentials:** CFP, CFT-I, CPA, MBA
- **Specialties:** Small business owners, Divorce financial planning, Retirement planning, Estate & legacy planning, Tax planning
- **Works with:** Pre-retirees, Cross-border families, Divorced individuals, Mid-life transitions
- **CRD:** 7808876 (https://adviserinfo.sec.gov/individual/summary/7808876)
- **SEC registration:** Investment adviser representative in AZ, TX
- **Exams passed:** Series 65 (2022)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://ensofin.com

## Frequently asked questions

### Is Prudence Zhu a fee-only financial advisor?

Yes. Prudence Zhu is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Prudence's firm.

### How does Prudence charge for financial advice?

Prudence charges a percentage of assets, a flat fee or retainer, an ongoing planning fee and hourly fees.

### How much does Prudence charge?

According to Enso Financial's website, checked October 28, 2026: ongoing planning from $5,500 a year; $300 an hour; 0.39%–0.99% a year of assets managed; no asset minimum.

### Does Prudence work with clients virtually?

Yes. Enso Financial says on its website that it works with clients remotely.

### What languages does Prudence work in?

Besides English, Enso Financial offers service in Mandarin, according to its website.

### Where is Prudence Zhu based?

Prudence Zhu is based in Phoenix, Arizona.

### What does Prudence specialize in?

Prudence's specialties include small business owners, divorce financial planning, retirement planning, estate & legacy planning and tax planning. Prudence works with pre-retirees, cross-border families, divorced individuals and mid-life transitions.

### What credentials does Prudence Zhu hold?

Prudence Zhu holds the CFP, CFT-I, CPA and MBA credentials.

### Is Prudence Zhu registered with the SEC?

Yes. Prudence Zhu is registered as an investment adviser representative in AZ and TX (CRD 7808876), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Enso Financial manage?

Enso Financial reports $2.1M across 40 accounts in assets under management.

### How do I contact Prudence Zhu?

Through Prudence's website, ensofin.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52369): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.ensofin.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.