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Monday, June 3, 2024

When it comes to financial planning, there are a lot of unknowns. Perhaps that’s why almost two-thirds of older adults have never met with a financial advisor to create a plan. It’s common to feel paralyzed by indecision, but...

Monday, May 6, 2024

We’ve heard it all. You’re such a small firm! Where even is Hutchinson? But my old financial advisor wanted me to do x, y, z… It's no surprise that people have questions when it comes to choosing a financial advisor; trusting someone...

Tuesday, April 2, 2024

Most workers are counting down the days to retirement, but some are not as eager to walk away from their careers. Maybe you are especially passionate about your job or you love seeing your coworkers every day—whatever the reason, it’s...

Friday, March 1, 2024

Over 4 million Americans will turn 65 this year, entering into prime retirement age. Today’s retirees are some of the first to start their golden years with a 401(k) plan as their primary savings tool, as opposed to a pension...

Thursday, February 1, 2024

Hundreds of couples have walked through our doors seeking financial advice, giving us a front-row seat to how people navigate their finances as a team. It’s exciting to watch couples pursue financial milestones together, but the...

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Tuesday, January 2, 2024

Wall Street was a zoo throughout 2023, with enough bear markets and bull runs to make any investor sweat. The market took a dive in the spring after several bank collapses made savers uneasy. By July, the Federal Reserve had raised...

Friday, December 1, 2023

December tends to be a blur filled with holiday parties, sweet treats and family time. But before the New Year comes, it’s important to take a break from the festivities and review your finances. It may not sound like the most...

Wednesday, November 1, 2023

Have you ever met someone who loves a label printer? I know it might sound a little crazy, but turning chaos into order is one of my favorite things. In my role as operations assistant at Zephyrus Financial Services, I take charge of...

Tuesday, October 3, 2023

By Chad Piehl   When Jo and I retired, we were excited to enter a new phase of life — one filled with more free time and opportunities to pursue our passions. While most of my retirement has been wonderful, some parts have...

Friday, September 1, 2023

Back-to-school season is a blur for most parents — from shopping for supplies and new clothes to getting fresh haircuts for picture day. The list goes on! But how is all that spending made possible? By carefully budgeting and...

Tuesday, August 1, 2023

The use of artificial intelligence (AI) has exploded in recent years, and while some people are excited about where AI is headed, others are worried we’re one step away from “I, Robot.” No matter where you fall on...

Monday, July 3, 2023

 The Fourth of July is a favorite holiday for many Minnesotans eager to enjoy a day on the lake or at the cabin with friends and family. With plenty of food and fireworks, we’ll celebrate America’s independence, but...

Thursday, June 1, 2023

Many women face a lethal combo when it comes to saving for the future: On average, they have about $50,000 less in their 401(k) account compared to men and they live about six years longer. It’s no surprise that many women are...

Monday, May 15, 2023

Environmental, Social and Governance (ESG) investing has come into the limelight since President Biden used his first veto to allow employers to offer ESG investments in their 401(k) plans. Socially-conscious investing has grown in...

Thursday, April 6, 2023

We’ve all heard different rules of thumb when saving for retirement. “You need $1 million saved for retirement.”  “By the time you’re 30, you should have one year of your annual salary saved...

Thursday, March 2, 2023

It’s not the most glamorous topic, but due diligence is a crucial part of financial planning. Many people associate it with mergers, acquisitions and real estate transactions, but not with their investment decisions. So, what is...

Tuesday, February 7, 2023

In December of 2013, the owner of Zephyrus Financial Services and my longtime friend, Tim Piehl, hired me as a sales assistant. Throughout the years, I discovered I had a unique skill set perfect for working with clients and helping...

Tuesday, January 17, 2023

In mid-December, we packed up and headed to our new office space in Hutchinson, MN! Our latest headquarters is a far cry from the old Hardee’s that it used to be. As we transition into our next space, we want to look back at the...

Thursday, December 1, 2022

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...

Tuesday, November 1, 2022

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...

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...

Thursday, September 8, 2022

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...

Monday, August 15, 2022

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...

Tuesday, July 26, 2022

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...

Monday, July 11, 2022

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!...

Wednesday, June 15, 2022

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...

Wednesday, June 1, 2022

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...

Monday, May 23, 2022

            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...

Tuesday, May 10, 2022

Friday, April 1, 2022

Tuesday, March 1, 2022

Tuesday, February 1, 2022

Monday, January 3, 2022

Wednesday, December 1, 2021

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...

Wednesday, November 3, 2021

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...

Monday, October 4, 2021

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...

Wednesday, September 1, 2021

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...

Monday, August 2, 2021

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...

Thursday, July 8, 2021

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...

Wednesday, June 2, 2021

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...

Monday, May 3, 2021

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...

Thursday, April 1, 2021

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...

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,...

Monday, February 1, 2021

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...

Friday, January 1, 2021

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...

Wednesday, December 2, 2020

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...

Monday, November 2, 2020

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...

Thursday, October 1, 2020

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...

Tuesday, September 1, 2020

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...

Monday, August 3, 2020

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...

Wednesday, July 1, 2020

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...

Tuesday, June 2, 2020

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...

Thursday, May 7, 2020

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...

Wednesday, April 1, 2020

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...

Thursday, March 5, 2020

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...

Wednesday, February 5, 2020

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...

Friday, January 10, 2020

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....