Investments
Investments
You have a plan and a future – let us help get you there! When it comes to investments and financial planning, every situation is unique. And Zeal Financial Advisors understand that. That’s why we offer options to achieve your financial goals for today and for the future. Zeal Financial Advisors will prepare a full-service financial advisory program for you. Your personalized program will include retirement, insurance, and investment services.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.
Working with Zeal Financial Advisors helps prepare you for your future.
Planning and saving for your future requires patience and attention… and often the help of someone you know. That’s why working with Zeal Financial Advisors makes sense. We’re dedicated to making your financial planning experience rewarding and satisfying. Now is the time to start building your financial future. Outliving our money is a common worry; living the retirement of your dreams means making your money last. What’s the secret to securing your financial future? Talk to a Zeal Financial Advisors wealth manager today – we can help.
PLUS: Full Range of Financial, Budgeting, and Investment Tools
Building and managing your nest egg requires time, attention and patience. Find strategies to help you find your way in a financial world that is growing in complexity. Count on Zeal Financial Advisors to guide you with a broad range of products and services.
Helping you reach your financial goals is our number one objective. We’ll work with you to help you make sound financial decisions consistent with your comfort, investment timeline, and goals. We can start small and grow or evaluate and build upon any existing financial plans. The result will be a strategy designed to help you build, protect, use and transfer assets in the most advantageous way. Periodically we’ll review your situation and adjust as needed. It just makes sense – as your life changes, so do your financial needs, and we’ll be here for you at every stage of your life.
Your Zeal Financial Professional is Jon B. Lybeck. He has a strong history of working with credit union members and their families and friends. Jon has access to a wide variety of investment and insurance products, and can help answer all these questions:
- Is your retirement money invested properly?
- Will you have enough income in retirement?
- What should you do with an existing retirement plan from a previous employer?
- How will you pay for a child’s or grandchild’s education?
- Financially, what would happen to your family if you died?
- How will you pay for long-term care?
“Working together, I’ll help you make solid financial decisions consistent with your comfort level, investment timeline and financial goals. The end result will be strategies tailored to help you accumulate, protect, use and transfer assets in a way best suited for your distinctive set of circumstances. Periodically, we’ll review your situation and make adjustments if necessary.”
– Jon B. Lybeck
Insurance Options
You’ve worked hard to build the life you’ve wanted. Insurance can protect you and those you love from the financial impacts of an unexpected death, illness and even from living longer than expected. By protecting yourself with life and long term care insurance, and/or with an annuity, you can help yourself find peace of mind in knowing you’ve done the right thing.
Note: This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice.
Life Insurance
Protection for the ones you love
Includes options such as Term Life (which can help replace lost income and cover needs that will go away over time, and coverage ends when the term expires) and Whole Life (which offers coverage for your entire life, accumulating cash value accessible in the form of loans or withdrawals and can represent a future source of money, as well as protection).
Long Term Care
It’s never too late to prepare
Golden years can be very expensive – or very well thought out. Medicare can cover the cost of some skilled nursing care, but generally only after a hospital stay or under certain conditions. If the day comes that you need long-term care, Long Term Care Insurance can help you pay for associated expenses without putting undue stress on your family’s budget for costs not covered by Medicare.
Annuities
To help you save for, and live in, retirement
Annuities are contracts with an insurance company that can help protect you against the risk of outliving your assets – providing future income in return for your contributions. Whether you’re looking for a Deferred Annuity or an Immediate Annuity, Zeal Financial Advisors can help you find the right option for you. Fixed, Variable, Indexed, and Single Premium options available.
Investment Services
Look toward the future with investment options that can help you financially prepare for whatever comes next!
Note: This material contains only general descriptions. Please consult a financial professional or tax consultant for individualized advice. Before investing, carefully consider its investment objectives, risks, fees, and expenses, which are included in the prospectus available from the mutual fund or other investment options. Read and review all options carefully before investing.
IRAs
Individual Retirement Accounts
Prepare for your future golden years with an IRA investment account that can set you up for future financial success. Options include Traditional (provides an up-front tax break that reduces current income taxes you owe and grows tax-deferred until you make a withdrawal), Roth (provides an option for earnings to grow tax-deferred and allows earnings to be withdrawn tax-free, but has strict yearly contribution limits), Rollover (allows your existing retirement funds to follow you, penalty-free, when you rollover your retirement plan directly into another IRA), and Inherited (when IRA assets pass to your named beneficiaries; rules for inherited IRAs vary depending on the type of beneficiary named).
Mutual Funds
Diversified investment options for your objects
There are so many ways to invest, including Mutual Funds where investors pool funds into a portfolio of diversified, professionally-managed securities. Options include Money Markets (providing stability of principal and a steady stream of interest income while keeping your money liquid and available as needed), Stock Funds (choose your risk tolerance and choose from well-established companies that pay dividends, geography-based markets, young and emerging firms with a higher risk/reward ratio, and more), Bond Funds (providing regular income for shareholders by investing primarily in corporate or government bonds), and Exchange Traded (which is similar to mutual funds, but are traded just like stocks).
Managed Accounts
Managed account portfolios come in many different structures and risk tolerances, including conservative, assertive, and those in between.
Managed accounts are portfolios designed for individuals to match their specific financial needs with portfolio objectives, and managed by professional investment managers. Often these accounts offer an avenue for individuals to access investment managers that are generally available only to institutional-level investors.
Portfolio holdings can consist of institutional class mutual funds, exchange traded funds or even individual securities. Managed accounts typically assess quarterly fees to pay for the professional management of the funds.
Annuities
To help you save for, and live in, retirement
Annuities are contracts with an insurance company that can help protect you against the risk of outliving your assets – providing future income in return for your contributions. Whether you’re looking for a Deferred Annuity or an Immediate Annuity, Zeal Financial Advisors can help you find the right option for you. Fixed, Variable, Indexed, and Single Premium options available.
Stocks & Bonds
Individual investments to complement your style
When you invest in individual stocks, you become a part owner of the business, with all the ups and downs. You can vote at shareholder meetings and receive profits allocated to owners. You may get very high returns, but you may also lose money.
Bonds, on the other hand, are an agreement to loan money to a company or government in return for regular payments. While stocks fluctuate, bonds are often more stable, though bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
Preparing for Your Future
Giving your children the best opportunities in life is top of mind for many parents. That means you can never start too early on a serious college savings strategy. But that’s just one future financial goal. Living the retirement of your dreams means making your money last. Yet outliving our money is a worry we all have. What’s the secret to securing your financial future? Start a goal-oriented savings plan today – and stick with it.
Saving for Retirement
When you’re just starting to save and invest for your retirement, you may be like many people: comfortable accepting greater volatility and risk for the possibility of greater gain. As you approach retirement, you may have far less tolerance for ups and downs. Investors tend to shift to more conservative decisions, because losses just prior to retirement can be challenging — and leave you little time to make it up with some unknown future gain. Prior to shifting your investment styles it’s important to understand your current asset mix.
Zeal Financial Advisors can also help you assess when you should retire based on a review of your assets and liabilities, determining your net worth and whether you’re saving enough to cover expenses in retirement.
Living in Retirement
Making your money last is the key to a comfortable and successful retirement. This can mean creating a livable budget, being careful with credit credits and new debit lines, claiming senior citizen discounts where offered, and learning the ins-and-outs of Social Security.
A Zeal Financial Advisor can help you develop a plan that is unique to your lifestyle and retirement goals.
Saving for College
College and university costs continue to skyrocket, outpacing increases in income levels. Without careful planning, your children could find paying for higher education difficult or even unobtainable.
While the cost of higher education varies wildly, annual tuition and fees can run from near $10,000 to $60,000+. When you multiple this by four years, the total cost of college can feel daunting. However, the earlier you start saving, the easier it is! Zeal Financial Advisors can help you create a plan utilizing options like Coverdell Educational Savings Accounts (ESA) or the 529 College Savings Plan.
Jon is a Registered Representative of LPL Financial, member FINRA/SIPC, licensed insurance agent.
Contact Zeal Financial Advisors for a no-cost, no-obligation consultation.
*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC. Insurance products are offered through LPL or its licensed affiliates. Zeal Credit Union and Zeal Financial Advisors are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Zeal Financial Advisors and may also be employees of Zeal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Zeal Credit Union or Zeal Financial advisors. Securities and insurance offered through LPL or its affiliates are:
Zeal Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
