z.Private Wealth Management

As Independent Advisors, we have a fiduciary duty to our clients:

Their interests always come first. We provide personalized advice and guidance, with a focus on the client relationship, that takes a comprehensive approach to your wealth management: retirement and financial planning, income protection, investment management, estate & legacy planning and tax strategies: Making It All Work Together.

 

In a profession based on objective advice, true independence offers many choices intended to benefit you, the client. Your choice of an independent financial professional is the first step in getting unbiased recommendations and impartial guidance based directly on your needs and goals. Since 1981, our advisors have worked with individuals, families and businesses to build meaningful, long-lasting relationships while crafting and implementing a strategic plan to accomplish their goals and objectives. We are not beholden to a parent company or a firm that is publicly traded and distributes proprietary products; rather, we are family-owned and multigenerational, focused on putting our clients first. Our independence allows us to get to know our clients’ needs and, most importantly, objectively evaluate the options available to custom tailor solutions that can grow their wealth and protect what’s most important to them.

Your Trusted Advisors

Check out the background of firms and investment professionals on FINRA's BrokerCheck.

Working With a Team of Professionals

Our commitment to you and our profession is evident in both the experience and credentials of the professionals on our team. They include Certified Financial Planners (CFPs®), Chartered Life Underwriters (CLUs), Certified Public Accountants (CPAs) and an attorney (JD). With each piece of your financial life part of a larger puzzle, an investment decision may have tax consequences or be adverse to your estate plan. Working with a firm that can help evaluate and plan comprehensively can make all of the difference in achieving the most successful outcomes for you and your family.

Making It All Work Together

  • Holistic approach to portfolio construction: stocks, bonds, mutual funds, ETFs, alternatives, REITs.
  • Protection when you need it most with lifetime income strategies, life insurance and long-term care planning.
  • Financial Planning: From college savings to retirement income strategies, financial plans can help you evaluate your options to save for the future, maximize your social security benefits, and everything in between.
  • Estate & Legacy Planning: Transferring your wealth on your terms and with tax efficiency.
  • Business Succession Planning & Deferred Compensation: Studies have shown that only 30% of family businesses survive into the second generation, and only 12% into the third. By creating and implementing a plan that takes care of your family, your business and employees, we help you maximize and protect what you’ve worked so hard to build.

Life Insurance

Life insurance is a must to help you prepare for life’s contingencies, whether your commitments involve mortgage protection, coverage for dependents, or college funding. Our team offers every customer a detailed plan to help you decide which type of life insurance is best, such as Term Insurance, Universal Life Insurance and Survivorship Universal Life Insurance.

 

Long-Term Care