Zinaich Capital and Risk Management is a niche firm focused on service and relationships. All of our appointments are conducted at the client's kitchen table, place of business, or a mutually agreed upon coffee shop or restaurant. As such, we have high face to face client interaction, so when you try to contact us, you will probably get our answering service. Please feel free to leave a message, and rest assured, your message WILL be returned in as prompt a fashion as is feasible. Thanks for your understanding.