515-462-0020 · Winterset, Iowa

Free Guide for Iowa Pre-Retirees

What Would a 35% Market Drop
Do to Your Retirement Date?

If that question makes you uneasy, this free 12-page guide was written for you.

No cost, no obligation Serving Iowa since 2022 27 years in risk management Plain language, no jargon

Volatility Shield Guide Cover

📘 Free 12-Page Guide

Inside the guide

Learn how to protect your retirement — without sitting on the sidelines

For pre-retirees and retirees ages 50–65 with $250,000+ in investable assets.

Real rebound math from the 2008 crash — and how similar strategies could have protected portfolios like yours
How a Buy & Hedge approach limits downside risk without forcing you to sell in a panic
How this fits into the “Defend” stage of the 4-D Retirement Process
Practical steps to evaluate whether a downside shield makes sense for your situation

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KL

Ken Luckinbill

Independent Financial Advisor · Winterset, Iowa

After 27 years managing risk for corporations, I became a financial advisor because I kept seeing the same thing: good, hardworking people getting within five years of retirement — and realizing their savings had no protection against a bad market year. I specialize in strategies that let your money grow while protecting it from the kind of losses that derail retirement plans. Affiliated with ZEGA Investments.

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.