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Saratoga Investment Corp
Cynthia Zalewsky founded Saratoga Investment Corp in 2000 as a fee-only RIA in Saratoga Springs, New York.
Saratoga Investment Corp
Cynthia Zalewsky founded Saratoga Investment Corp in 2000 as a fee-only RIA in Saratoga Springs, New York. She originally studied exercise science and physical therapy before pivoting to financial advice, describing her role as a “physician for someone’s finances.” The firm serves medical professionals, veterinarians, and retirees with holistic planning that covers business transition, trust and estate planning, student loan debt, employee benefit optimization, wealth distribution, survivor plans, risk coverage, and practice buy-ins. The firm structures compensation as hourly rates for initial planning and retainer fees for ongoing comprehensive service. Clients join via a discovery meeting and then access the eMoney platform for 24/7 account aggregation. Saratoga Investment Corp explicitly avoids commissions or product sales and holds membership in NAPFA, the fee-only advisor association. Zalewsky maintains the CFP® designation and its associated code of ethics, which includes integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. The practice focuses on individual clients rather than institutional capital, marketing to people who want concierge-level financial guidance through life transitions. It does not manage pooled investment vehicles or accept LP commitments. The firm provides education as a core service, helping clients understand their options alongside plan execution. Zalewsky remains the sole named principal, with the firm’s website listing no other advisors or team members. The firm’s structural differentiator is its niche among fee-only planners serving animal healthcare and medical professionals, combined with a founding story rooted in clinical rather than financial training. This background informs a planning approach that emphasizes care over sales, distinguishing it from larger RIAs or bank-based wealth managers.
General information
Firm type
RIA
Year founded
2000
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Saratoga Springs
Corporate office
Saratoga Springs, NY, United States
Principals
Cynthia Zalewsky
Founder, CFP®, CIS
Sector focus
Frequently asked questions
Who runs investment decisions at Saratoga Investment Corp?
Cynthia Zalewsky, the founder and a CFP® professional, makes all investment decisions. She describes her role as a “physician for someone’s finances” and has led the firm since opening in 2000. No other advisors or investment staff are listed on the firm’s website.
How does Saratoga Investment Corp source proprietary deal flow?
The firm does not source proprietary investments. It provides comprehensive financial planning and wealth management using publicly available investment vehicles. Clients access their portfolios through the eMoney platform.
Is Saratoga Investment Corp structured as a single family office or does it operate more like a venture firm?
Neither. Saratoga Investment Corp is a fee-only registered investment advisor (RIA) serving individual clients, particularly medical professionals, veterinarians, and retirees. It does not operate as a family office or a venture firm.
Does Saratoga Investment Corp participate in fund commitments or only direct deals?
It does not make fund commitments or direct private investments. The firm’s services are limited to financial planning, portfolio management, and wealth management for individuals, delivered through a fiduciary, fee-only structure.
What investment stages does Saratoga Investment Corp typically target?
The firm does not target specific investment stages. Its planning focus covers the full career lifecycle of medical professionals, from residency through retirement, including practice buy-ins and business transitions.
Which sectors does Saratoga Investment Corp explicitly avoid?
The firm does not publicly list sectors it avoids. Its client base skews toward healthcare professionals, but the firm’s investment approach uses broadly diversified public market strategies rather than sector-specific bets.
How is Saratoga Investment Corp related to other entities with similar names?
Saratoga Investment Corp, also doing business as Saratoga Investment Solutions Inc., is a standalone RIA based in Saratoga Springs, NY. It is not affiliated with Saratoga Investment Corp., the publicly traded BDC (NYSE: SAR), or any other entity using the Saratoga name.
Where does the underlying wealth come from?
The firm serves clients who are medical professionals, veterinarians, and retirees. The underlying wealth originates from client earnings, retirement savings, and business ownership. The firm does not manage capital from a single wealthy family or endowment.
Does Saratoga Investment Corp maintain philanthropic structures, and how are they separated?
The firm does not publicly disclose any philanthropic arms or foundations. Its services include estate and legacy planning for clients, but it does not operate its own charitable vehicle.
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