Our Approach
A Breath of Fresh Air in Financial Services
Zephyrus is named after the mythological god of the west wind, a wind often described as favorable, thoughtful, and gentle.
That inspiration reflects the experience we strive to provide: straightforward guidance, thoughtful planning, open communication, and a steady approach to financial decision-making.
Our advisors bring experience from the financial, sports, and education industries. These different perspectives help us connect with clients, explain complex subjects clearly, and understand that financial decisions are about more than numbers—they are about people and the lives they want to build.
Dream. Plan. Invest.
Dream
Our process begins by asking what you want your money to help you accomplish.
That might mean retiring confidently, traveling more often, purchasing a second home, supporting your children or grandchildren, funding an education, leaving a legacy, or simply feeling more organized and prepared.
We encourage clients to think beyond account balances and identify the experiences, people, and priorities that matter most to them.
Plan
Once we understand what matters to you, we build a customized financial roadmap around your goals.
Your roadmap helps identify where you are today, where you want to go, and the financial decisions that may help you get there. Because life is always changing, we revisit your plan regularly and adjust it as your circumstances, priorities, and goals evolve.
Invest
Only after establishing your financial roadmap do we begin discussing investments.
We recommend an investment approach based on your plan, time horizon, financial circumstances, and tolerance for risk. Our disciplined investment process is supported by professional research, ongoing oversight, and the Zephyrus Core Investment Strategies.
Investing is not treated as a separate activity. It is connected to a purpose and guided by your financial plan.
Personal Relationships and Ongoing Guidance
We believe meaningful financial guidance requires a meaningful relationship.
Getting to know you allows us to better understand your needs, concerns, and goals. We listen carefully, involve you throughout the planning process, and encourage questions at every stage.
Our relationship does not end when your plan is created or your investments are selected. We provide ongoing guidance and remain available as markets change, questions arise, and life presents new opportunities or challenges.
Straightforward and Transparent
Financial services can be filled with complicated language, confusing costs, and unclear recommendations. We are committed to providing straightforward explanations and open communication.
We educate clients about their options, explain relevant fees and costs, and help them understand how each recommendation connects to their financial roadmap.
As financial professionals affiliated with Cetera Investment Services LLC, we have access to an extensive range of investment resources and institutional support without being limited to proprietary investment products from a single manufacturer.
Guidance Centered Around You
We help clients address important areas of their financial lives, including:
- Financial planning
- Investment principles and strategies
- Retirement planning and distribution strategies
- Education planning
- Estate-planning considerations
- Risk-management and insurance analysis
We can help you explore questions such as:
- When may I be able to retire?
- Are my investments aligned with my goals?
- How much should I be saving?
- What is an appropriate approach to education funding?
- Does my family have sufficient insurance protection?
- How should my financial strategy change as my life evolves?
Wherever Life Takes You
Zephyrus Financial Services is based in Minnesota, but our technology allows us to work with clients throughout the country. Meetings may be held virtually, in our office, or, when appropriate, in the comfort of your home or workplace.
Dream. Plan. Invest.
Contact us to begin building your financial roadmap.