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 customized financial roadmap. For most people, the thought of creating a financial plan is daunting, especially during these times of uncertainty. This is why working with a financial advisor can help ease your concerns and get you on the right path.
So, what’s holding you back from reaching out for help? Many people believe working with a financial advisor is expensive or only for the wealthy. We believe in helping people at all stages of life and income levels. Our fee structure is intentionally different. Success isn’t selling you an expensive product; success to us is working in your best interest to help grow your money and reach your retirement dreams. We have two types of services: commission-based and fee-based. We will look at both options to determine which one best suits your investment style and goals.
Fee-Based Advisory Services
At Zephyrus Financial Services, we work with mostly fee-based accounts. This means we have a mutual interest in growing your assets. You generally pay a fee that’s a percentage of the account’s value or a fixed fee per service. This type of service works best for those who want real-time guidance and management of their accounts. We will meet as often as you like to ensure your investments are on track to meet your goals, and we provide regular performance reports that document your progress.
Commission-Based Brokerage Services
Commission-based brokerage services are for those who are looking for a pay-as-you-go account. It’s also ideal for smaller accounts or those wanting to make a one-time purchase. The amount of commission will vary depending on the security or investment you want.
A challenge we face with accounts like this is that we do not have the discretion to actively manage the account and will need your consent for buying and selling stocks. Also, since there is a fee every time you buy or sell an investment product, it could reduce the amount you’re actually investing.
Education is Key
Financial decisions can be confusing and overwhelming. We are passionate about sharing our knowledge and experience with everyone to help them understand every aspect of their financial roadmap. We will be sure to go over the pros and cons of our services with you to help you make the best decision for your personal situation. As independent fiduciaries, we direct you toward investments that are in your best interest and create a customized financial roadmap tailored to your goals. We are not persuaded by quotas or influenced by large companies. We disclose all fees to you and what those fees are for. You can trust we will put your needs ahead of profits because we invest our own money the exact same way we invest for clients. Making sure you understand the ‘why’ behind financial decisions is a priority. We’re in this together.
We invite you to set up an appointment to go over your planning options. We will walk you through every part of our process as we create your individualized roadmap using a software program showing the odds of success for reaching your goals and even surpassing them. Click here to contact us!