Prudence Zhu, CFP®, CPA, CFT™
Fiduciary guidance for couples and women in life transitions | Fee-Only
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Serving Clients Nationwide
Fiduciary guidance for couples and women in life transitions | Fee-Only
Areas of Focus
- Business Owners
- Divorce Financial Planning
- Employee Stock Options
- Estate Planning
- Real Estate Investing
- Retirement Income Planning
- Social Security Optimization
- Tax-Efficient Planning
About Prudence Zhu, CFP®, CPA, CFT™
Hi, I'm Prudence Zhu, Founder of Enso Financial, a fee-only financial planner helping pre-retiree couples, cross-cultural couples, and women in life transitions create aligned, values-based financial plans from Phoenix, AZ and nationwide.I grew up in rural central China, where I learned the value of hard work, resilience, and creating a better future from the ground up. My experiences span Asia, West Africa, and North America, giving me a broad perspective and over fifteen years of expertise in private equity, corporate finance, and financial advisory.
In 2021, nine years after moving to the US on my own, I achieved financial freedom. This milestone gave me the confidence to leave a successful corporate career and fully pursue my true passion: helping others create lives that are both well-funded and meaningful.
I am a Certified Public Accountant, CERTIFIED FINANCIAL PLANNER™ (CFP®), and Certified Financial Therapist™ (CFT™), holding an MBA from the University of Notre Dame and an MS from Arizona State University. I am also the author of the Amazon bestseller A Couple's Guide to Money: Grow Closer, Dream Bigger, Thrive Together.
I am dedicated to empowering others, especially minorities and women, to become leaders of their own finances. I stand up for everyday people, whether advocating against high fees and big institutions or supporting clients who are new to financial planning.
To me, wealth is so much more than money. It's your time, your health, your relationships, your peace of mind, and living in alignment with your values. True wealth is about creating the life you truly want, and becoming a positive force for real change. That's what I want for everyone.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Certified Financial Therapist (CFT)
- Certified Public Accountant (CPA)
Affiliations
-
American Institute of CPAs
- Fee Only Network
- Financial Planning Association
- Financial Therapy Association
- Flat Fee Advisors
- Garrett Planning Network
- National Association of Personal Financial Advisors
- Fee Only Network
Primary Location
Phoenix, AZ
Video
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Enso Financial
Enso Financial is a fee-only, holistic financial planning firm serving pre-retiree couples, cross-cultural couples, and women in life transitions to turn financial complexity into a clear, values-aligned plan that supports the life you actually want. You get practical, easy-to-understand guidance on taxes, investments, insurance, estate planning, retirement, and everyday money decisions so you can move forward with confidence.Enso Financial is led by Prudence Zhu, CFP®, CPA, and Certified Financial Therapist, based in Phoenix and serving clients across the U.S.
Who We Serve
We partner with pre-retiree couples, cross-cultural couples, and women in life transitions to turn financial complexity into a clear, values-aligned plan that supports the life you actually want. Fluent in both English and Mandarin, we're proud to serve clients from diverse backgrounds, offering personalized support to help you achieve your financial goals.
Our Services
We provide practical, easy-to-understand guidance on taxes, investments, insurance, estate planning, retirement, and everyday money decisions so you can move forward with confidence. Our hourly service is well suited to specific tasks like tax reviews, Roth conversions, product comparisons, or portfolio allocations, while our ongoing planning and asset management services support clients who want a longer-term partnership.
Why Work With Us
We serve you as a fiduciary, which means we are legally bound to act in your best interest. We operate with complete transparency and never recommend products based on kickbacks or incentives. We are not about steak dinners or financial jargon — our focus is on attuning to your emotions, listening deeply to your aspirations, and proactively strategizing how to use your resources to fulfill your dreams.
Education
University of Notre Dame, Master of Business Administration | Arizona State University, Master of Science, Innovation and Venture Development
Hobbies and Interests
- Family
SEC Lookup
View DisclosureWho We Serve
- Business Owners
- Corporate Executives
- Couples
- Divorce
- Dual Income Family
- Entrepreneurs
- Foreign-Born Individuals
- Gen X
- Gen Y / Millennials
- Immigrants
- Intergenerational Families
- Living in Retirement
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