Planning Process
Service Times: 9am and 10:30am
6399 North Wells Road, Bigtownville, CO 32748
  • Register

Planning Process

Passion for investing, respect for the client, and dedication to our work are the cornerstones of our business. We understand that becoming your trusted advisor requires an investment of our own. We take the time to learn who you are as a person, understand your personal values and aspirations, and gain a clear grasp of your specific time frames and risk tolerances. Over the years, we’ve seen that these answers are not always apparent or straightforward. Through one-on-one discussions and exploration, we help uncover your larger life goals, listening carefully and working with you to define and articulate your objectives. Once we understand your desires, we use rigorous analysis and our decades of experience to determine a plan of action and chart a course for the vision you see on your horizon.

Our process includes the following steps:

  1. Analyze: We begin by creating your Financial Roadmap™ to help you gain clarity on your financial and retirement goals, and determine the best path forward to help you live your life with purpose. This personal analysis covers your dreams for the future, investment expectations, financial resources and goals, risk tolerances and time horizons, and your short- and long-term vision.
  2. Select: Based on your Financial Roadmap™, we select a portfolio that addresses your goals and concerns and establishes specific investment objectives ranging from growth, growth with income, or income needs. For our financial planning clients, we provide a prioritized action plan to address necessary changes or adjustments in your cash reserves, debt, investments, and risk management/insurance coverage.
  3. Invest: We review your investment strategy to be sure it is aligned with your Financial Roadmap™ and addresses your goals and objectives, and then make the initial investments of your assets.
  4. Apply: Using our disciplined Business Cycle Asset Management investment strategy, we actively manage your portfolio, monitoring economic cycles and indicators to address your long-term investment objectives.
  5. Adjust: We meet with you on a regular basis to balance your short- and long-term goals with changing market conditions, and adjust your portfolio as needed to help keep you on track, regardless of shift in the markets or other external forces. Throughout the process, we provide timely communication to keep you aware of the status of your account and any shift in strategy.

Please see Working Together for more detail on our commitment to client communication.

Financial Planning

Our goal is to create an inspiring financial strategy for you—one that gets you excited about your future. To accomplish this, our personalized Values-Based Financial Planning® services take a holistic wealth advisory approach. These services are based on the premise.
read more >

Investment Management

At Zephyr Investment Management, we believe that a focus on managing downside risks is essential to your long-term financial security. We believe the upside will take care of itself and the real value of investment management is generated by limiting the downside.
read more >

Retirement Services

We see financial planning and investment planning as the key components to a secure retirement. Building on our work in these areas, we work with you to define a solid vision of what your retirement looks like to you. While this vision may evolve over time.
read more >

Zephyr’s Blog

Interest rates are important to investors and they are currently at or near all-time lows. At this past June’s Federal Reserve meeting, interest rates were kept at a range of 0%-0.25% and it was indicated that they will remain n...