Financial Services

Everyone stresses about paying for big life events and having enough left for funding their retirement.  Having enough savings to live comfortably once you stop working begins with an honest, sincere review of your lifestyle, health, and goals. Of course, the sooner this is done, the better prepared you will be for college tuitions, weddings, and retirement.  Your personal journey will determine the savings required. Things to examine include:

Wealth Management

Accumulation of wealth is a careful combination of income, spending, and investing with a purpose.  This is an ongoing process that requires routine review and adjustments as we examine the important elements of your strategy, including:

• Cost Containment
• Wealth Accumulation Strategies
• Concentration Avoidance (Fixating on One Stock or Industry)
• Risk-Aligned Asset Allocation
• Control The Controllables™ Disciplined Process
• Non-Qualifying Insurance for Tax-Free Retirement

Tax Strategy

We develop tax strategies that help minimize obligations for both the short-term and long-term. By understanding your goals and carefully balancing the tax structure to meet your objectives, we use the tax code to your long-term advantage. Our proactive approach includes careful review and possible adjustment of:

• Highly Appreciated Assets
• Business Structuring
• Asset Allocation Optimization
• Loss Harvesting.

Estate Planning

When your personal financial success and family wealth accumulation reaches a level beyond your lifestyle needs into retirement, it’s time to discuss estate planning strategies. Estate planning is a wealth protection and preservation process that helps direct your assets to accomplish both accumulation goals as well as personal legacy gifts, philanthropy, and of course, proper distribution to preserve the lifestyle and education of loved ones.  Your estate plan is more than a comprehensive document. It represents a proactive, comprehensive plan involving interrelated assets, goals, and actions needed to achieve your desired outcomes.

In particular, your ZMC & Associates professionals will assist you in developing and managing these key estate concerns, including:

• Tax Mitigation Strategies
• Family Foundations
• Specialized Trusts
• Legacy Planning
• Business Exit Strategies

Retirement Planning

We believe your assets should work for you as hard as they can to benefit you today as well as in the future. And, since your retirement involves multiple considerations, we address your entire financial picture, not just your retirement savings accounts.  Our retirement planning team provides guidance over many elements, including:

• Risk Alignment
• Liquidity Alignment
• Social Security Strategy
• Sequence of Withdrawals optimization
• Insurance policies

Whether you drive a big rig or own a chain of convenience stores, the long-range success or failure of a company can often be attributed to the lack of planning by the owners. Failing to anticipate market changes, capital needs, labor, and competitive forces are common enemies of growth.  Being able to predict the future is tough, but anticipating change and planning resources for potential change scenarios is what we help businesses do every day.

While your situation is unique, the ZMC & Associates team has hands-on experience working with businesses like yours. We help in a variety of ways, including:

• Fractional CFO Services
• Tax Strategies
• Budgeting and Cash Management
• Insurance Planning
  • Business Continuation Insurance
  • Life Insurance
• Business Exit Planning Strategies
  • Buy-Sell Agreements
  • Entity Selection
• Defined Contribution Plans

Almost 55% of working Americans do not have a retirement plan. The problem is so important that in 2019 Congress passed the SECURE Act, setting the stage for individuals and businesses to address retirement in a more aggressive manner. 

If you own a business with employees and do not offer a 401(k) plan, be prepared to begin looking into options soon, as the Government will soon be expecting to see some offering as a matter of compliance. And, that may include offering certain part-time employees access to retirement savings as well.

A plan that answers these questions can be translated into a budget. The cost of these activities will reveal what will be required from retirement savings and retirement income.

Your ZMC & Associates financial team will help you establish a retirement savings plan for you and your employees that fits your needs and your budget.

ZMC & Associates view insurance through two lenses: protecting income when life takes an unexpected turn, and supporting long-term life and retirement goals.

Our licensed advisors review health insurance options for families and employees. For clients who move forward with financial planning services, Nathan also provides guidance on life insurance to ensure policies align with retirement and wealth strategies. Together, this approach helps maximize the value of your insurance dollars.

We help clients use the right insurance tools for their personal needs, including:

• Health Insurance Policies for Families and Employees

• Life Insurance Policies, including options that offer Tax-Free Retirement Opportunities (reviewed as part of Financial Planning services)

• Business Insurance Policies that protect Income, Property, and Partner Transitions upon Death

Insurance decisions are complex, but you don’t have to face them alone. At ZMC & Associates, we guide you through the options, ensuring your coverage not only protects what matters most but also supports your broader financial plan.

At ZMC & Associates, we approach wealth management with one clear priority: you. As a fiduciary, we are legally and ethically obligated to put your needs ahead of our own. We are also fully independent, which means we do not face conflicts of interest in the securities or strategies we recommend.

As a fee-based advisor, our success is tied directly to yours. We only make more revenue when your assets grow in value, and we make less if your accounts decline. That alignment ensures every recommendation we make is designed to serve your best interests.

Building and protecting wealth is a careful balance of income, spending, and purposeful investing. This ongoing process requires routine review and adjustments across key areas such as:

• Cost Containment
• Wealth Accumulation Strategies
• Life Goals and Your Overall Financial Plan
• Concentration Avoidance (Fixating on One Stock or Industry)
• Risk-Aligned Asset Allocation
• Control the Controllables™ Disciplined Process
• Non-Qualifying Insurance for Tax-Free Retirement

You work too hard for your money not to have a strategy designed to deliver the retirement and legacy you deserve. No matter where you are today in life or business, it’s never too late to take control of your financial future.

We can help... and we’ll show you how.

At ZMC & Associates, we take a two-fold approach to insurance: protecting income when the unexpected happens, and using insurance as a tool to support broader life and retirement goals. Our licensed advisors carefully review your obligations, assets, business, and retirement objectives to recommend solutions that maximize the value of your insurance dollars.

We help clients use the right insurance tools for their personal needs, including:

• Health Insurance Policies for Families and Employees

• Life Insurance Policies, including options that offer Tax-Free Retirement Opportunities (reviewed as part of Financial Planning services)

• Business Insurance Policies that protect Income, Property, and Partner Transitions upon Death

Insurance is always personal and often complex. We invite your call to discuss your specific needs and explore ways to align the protection you require with the financial goals you want to achieve.