Blog

Throughout the year, we’ve watched news anchors report on the latest inflation numbers, interest rate hikes and stock market ups and downs. All these stories impact our pocketbooks. Not only is it important to understand...

Broker-dealers handle your money and can impact your financial future. We are amazed how often people do not ask and do not care about who is dealing with their money. At Zephyrus Financial Services, we believe it’s important to...

Meet the Owner: Tim Piehl

Timothy Piehl

Thursday, October 6, 2022

On April 15, 2013 (yes, Tax Day), I started at Zephyrus Financial Services. After spending the first part of my career in the banking industry, I was excited to join my father’s business, which was then called PHB Financial...

2022 has brought several financial concepts and words to the surface! Some of these concepts we haven’t seen in more than 50 years, but they are making headlines and could potentially impact our financial future. At Zephyrus...

At Zephyrus Financial Services, it’s exciting to help people in or near retirement plan for their financial future, and ultimately, their financial freedom. Over the years, we’ve had plenty of conversations with people and...

One of the most popular questions we get is, “how much should I save in my 401(k)?” Making decisions in your 401k can feel daunting, but with a little guidance, you can take control of one of the most important tools...

If 2022 was a round of golf, we would officially be on the back nine. The first half of the year has been defined by record inflation, interest rate increases and stock market volatility, and we still have six months to go!...

A savings account is a great start, and can be used for a multitude of things, whether it be saving for a house, or maybe a boat, golf cart, or any other sort of toy. However, a savings account can also hold you back from reaching your...

Retirement planning isn’t only for those in their 50s and 60s - it’s for everyone! Depending on what stage of life you’re at, there are key things to consider when planning for your future. We dive into four life...

            As a young adult, financial anxiety should just be expected. Whether you are inching towards college graduation, freshly graduated, or even in your first or second...

The holiday season is a time when many of us are visiting with loved ones. Gathering with our family provides us with an opportunity to catch up on the events in our lives, but we would suggest it’s also a time to bring up estate...

This time of year, we are especially focused on gratitude. We wanted to take the time to share with you what we’re grateful for. Working with a financial advisor requires you to be vulnerable about all the personal aspects of...

People often mix up the definitions of investing and gambling. For example, my nine-year-old son likes to tell me the stock market is gambling. On the other hand, my 12-year-old daughter embraces the idea of investing. To be fair, some...

You’ve worked for years building your business, hiring employees, maintaining relationships with customers and running the company. But now you’re considering stepping away from the business and selling. When transitioning...

It is easy to get bogged down by the news when we have access to updates 24 hours a day. In fact, a recent study found about two-thirds of Americans are experiencing news fatigue. Some days it feels like we can’t turn on the TV...

Knowledge and experience are not the only factors you need to be successful. A Harvard study found 85% of professional success comes from people skills. We believe this wholeheartedly. Building personal relationships with our clients...

My dream as a child was to become a secret agent or a stockbroker like my dad. I learned early on I was more like my dad than the characters from the 1984 movie “Cloak and Dagger.” Our minds work in similar ways; we have...

Health care, traveling and new hobbies are just some of the retirement expenses you need to plan for. But what are you missing? It’s important to get as specific as possible with your goals to create a realistic plan for how much...

Buying a home is a big financial commitment! For many people, a house is the biggest purchase of their life. We often get asked a lot of questions surrounding the home-buying process. Here are five important financial questions to...

Amanda's Passion for Education: 3 Important Money Lessons

Amanda Schueler

Monday, March 1, 2021

This month, Amanda shares why she’s passionate about education and what you can expect when you work with her. My passion for education began in elementary school. I was surrounded by teachers who fueled my interest in teaching,...

It might be difficult to have an optimistic attitude about a post-pandemic future when there’s so much uncertainty. It can be hard to keep a positive viewpoint during tough times; our brains are naturally programmed to remember...

As we enter 2021, you may be thinking about setting New Year’s resolutions. We hope you take the time to think about ways to improve your finances. Here are four resolutions to help you reach financial success. Make a Plan for...

One of the most beneficial things a young adult can do is learn how to manage their money. Young adults prioritize careers, buying a home and starting a family, but saving for their future can feel overwhelming. At Zephyrus Financial...

For many, the coronavirus has changed the way they manage their finances. Some people arespending less, saving more and realizing they need a plan for retirement. The pandemic hasshown us we can’t predict the future, but we can...

Elections can certainly impact our financial lives. In the last four years, lawmakers have passed the Tax Cuts and Jobs Act, the SECURE Act and the CARES Act. These laws impact our income taxes, the way we invest for retirement, leave...

In a time of so much uncertainty, people are keeping a close eye on their wallets and looking to the people they trust with their money for advice and guidance. Earlier this summer, the Securities and Exchange Commission enacted a new...

The old saying goes, we can be certain about two things in life: taxes and death. While most of us would like to ignore taxes altogether, they are inevitable. What many people don’t realize is that even though the paycheck stops...

The U.S. economy entered a recession in February, according to the National Bureau of Economy Research. A recession is defined as a significant decline in economic activity spread across the economy lasting more than a few months. The...

Due to coronavirus fears, many of us are feeling stressed, overwhelmed and anxious. Besides health concerns, many of us are worried about our financial future. We believe the key to a successful financial future hinges on creating a...

The coronavirus pandemic has turned our world upside down. We have been helping our clients navigate challenging situations since Zephyrus Financial Services was founded. During this time, our core values have not shifted. Our business...

No one could have predicted what we’re experiencing so far in 2020. Our lives have been disrupted by something none of us saw coming. Not only is our physical, mental and emotional health being impacted, so is our financial...

As the Coronavirus spreads around the globe, worry is mounting in the U.S. Investors are concerned about the impact on an already fragile global economy. In the final week of February, stocks posted their biggest losses since the...

Valentine’s Day is a time when many of us are thinking about romance, but another key component of a healthy relationship is financial compatibility. While it’s important to be on the same page financially throughout your...

Zephyrus Financial Services: We are Intentionally Different From the outside looking in, it might seem like all financial firms are the same. If you’re comparing advisors, we are going to look different, and that is intentional....