Independent Financial Advisor · Winterset, Iowa
I help Iowa families within 10 years of retirement build strategies that grow when markets rise and don't collapse when they don't. Plain talk, no jargon, and a phone number you can actually call.
Why families work with me
What I Do
ZEGA's Buy & Hedge strategies capture 65–80% of market upside while limiting downside losses to roughly 8–10% in any 12-month period. Growth with a built-in seatbelt.
We map out how your Social Security, savings, and investments work together to produce reliable income — and stress-test that plan against real market scenarios.
The right insurance completes a retirement plan. I help clients evaluate traditional LTC, hybrid policies, and life insurance options that fit their situation and budget.
Iowa's retirement income exemption, Roth conversions, RMD planning — coordinated to reduce what you hand to the IRS and keep more working for you.
Leaving a job or approaching retirement? I help you move employer retirement accounts into strategies that fit your new chapter — without triggering unnecessary taxes.
How We Work Together
Every client relationship follows the same four-stage framework. It keeps us focused on what matters and ensures nothing falls through the cracks — especially the step most advisors skip.
We start with a clear picture of where you are — assets, income sources, risk tolerance, and what a bad market year would actually cost you.
We design a plan that matches your retirement timeline and income needs — with strategies that don't require you to guess which way the market will go.
We put the plan in motion and keep it running — with regular reviews and adjustments as your life and the markets change.
This is where most plans stop short. The Defend stage adds a volatility shield that absorbs market shocks — so one bad year doesn't derail everything.
ZEGA StrategiesClient & Prospect Resources
Whether you're an existing client or just getting started, these tools give you direct access to your accounts and help you think through your retirement picture.
Not sure how much risk your retirement plan can actually handle? This short questionnaire takes about 3 minutes and gives you a clear, honest picture of your risk tolerance — a great starting point before our first conversation.
Take the Assessment ↗Curious whether your current savings rate gets you to retirement on time — or what withdrawal rate is sustainable? This interactive simulator lets you model your situation and answer questions like "Can I retire at 62?"
Launch Simulator ↗Detailed documentation on ZEGA's investment strategies — Buy & Hedge, ZBIG, 4 Seasons, and more. A good resource if you want to dig deeper into how the strategies are built before our meeting.
View Literature ↗Existing clients can log in here to view account statements, performance reports, and portfolio details through ZEGA's secure client portal. Bookmark this page for quick access.
Go to Portal ↗
ZEGA is an SEC-registered investment advisor specializing in options-based hedging strategies that have served advisors and their clients since 2011. As a ZEGA-affiliated advisor, I bring their institutional-grade strategies to families in Iowa who want growth with real downside protection — not just diversification.
About Ken
I spent 27 years managing risk for corporations before I became a financial advisor. That background shapes everything about how I work. I'm trained to look for what can go wrong — and build plans that hold up when it does.
I started Luckinbill Financial Advisors because I kept seeing the same thing: good, hardworking Iowa families 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 shielding it from the kind of losses that derail retirement plans.
I live and work in Winterset. I'm a member of my local church, a private pilot, and a believer in the kind of straight-talk financial advice that doesn't require a Wall Street dictionary.
Schedule a free conversation →Free Resource
This free 12-page guide walks through the real math of market losses — and how a volatility shield strategy can protect your retirement savings without sitting on the sidelines.
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