People don't plan to fail, they just fail to plan.
Helping families make comprehensive financial plans is the first step in building wealth. Financial plans bring clarity to financial health and help identify goals. From that starting point, we can monitor and adjust the financial trajectory. A solid financial plan helps families be more successful by reducing stress and making risk-informed decisions.
Investing for your future
Partnering with ZEGA Investments, I offer tailored asset management solutions designed to meet the unique needs of my clients. Through the strategic use of option strategies, I help mitigate volatility for conservative investors while seeking to outperform the market for those with a higher risk tolerance. My goal is to provide personalized investment strategies that align with each client’s financial objectives and preferences.
*Financial Planning and Asset Management services are offered through ZEGA Investments.
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I am honored to be able to serve you, providing expertise gained from working as a risk management expert in the securities and financial advisory business since 1998. Financial planning and asset management services are offered through ZEGA Investments.
First, we assess where you are, what you own, what you owe, what you earn and what your expenses are. Then, we create a wish list of your hopes and dreams and what you would like to accomplish financially, both for yourself and for those you hold dear.
Second, we get out a calculator and see if we can turn those hopes and dreams into concrete financial goals. From that, we develop a plan to help you get you to where you want to go in the least expensive and most efficient way.
Third, we put the plan into motion. We'll implement activities needed to pay off debt, then work up an investment portfolio that has the potential, based its history, of producing the long-term returns we've calculated that we'll need. Of course, past performance is never a guarantee of future results.
Along the way, we will want to insure the plan against the risks that you won't be around, or won't be physically able to complete it. A plan that can be destroyed by a major life event isn't really bulletproof; it's more of a bet. This is where we revisit the plan and make adjustments where needed. This is also where we refresh the plan perioically.
In a world where financial success is often measured by credit scores, having no credit score can feel like an anomaly or even a disadvantage. But what if we reframe this narrative? What if we Read more…
Setting up a Uniform Transfers to Minors Act (UTMA) account can benefit parents by simplifying gifting, offering potential tax advantages, providing financial education for children, and ensuring control until they reach adulthood. However, drawbacks include loss of control post-majority, tax implications, financial aid impact, and irrevocability of gifts. Alternative options like 529 plans and trusts may also be considered.
Jim's journey illustrates the importance of financial transparency and strategic planning in overcoming debt, even at 50. By openly discussing finances with his wife and employing the debt snowball method, they transformed their financial future. Starting early and seeking professional guidance are crucial for achieving long-term security and freedom from financial stress.
Disclosures
1: Advisory services are provided by ZEGA Investments (“ZEGA”). ZEGA is registered with the U.S. Securities and Exchange Commission (SEC) and only transacts business in the U.S. in states where it is properly notice filed or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by the SEC or any other securities regulator and does not mean the advisor has attained a particular level of skill or ability.
2: ZEGA is not engaged in the practice of law or accounting and any advice provided should not be construed as legal or accounting advice. The information discussed and presented herein is intended to serve as a basis for further discussion with your financial, legal, tax and/or accounting advisors. It is not a substitute for competent advice from these advisors.
3: Content should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. Material presented is believed to be from reliable sources, however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your financial advisor prior to implementation.
4: The information contained herein is based upon certain assumptions, theories and principles that do not completely or accurately reflect your specific circumstances. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any securities or investment advisory services where such an offer would not be legal. Furthermore, this material may contain certain forward-looking statements that indicate future possibilities. Due to known and unknown risks, other uncertainties and factors, actual results may differ materially. As such, there is no guarantee that any views and opinions expressed herein will come to pass.
5: This presentation, as well as educational content, charts, tables, and all other information contained herein is protected by copyright and intellectual property laws and may not be altered, reproduced, distributed, sold, published, or edited at any time without the express, written consent of ZEGA. Information presented within may be copied and quoted in proper context, provided proper attribution is given to ZEGA.
