Zelken Financial Services

The holiday season can be especially stressful financially 💸

You want to be able to purchase gifts for everyone you care about but entering the new year low on cash can be startling → With some strategic planning, it's possible to enjoy the festivities without overspending!

Swipe right for our best tips to help you navigate the holiday season without blowing your budget 🎄

By following these tips, you can enjoy the holiday season without putting unnecessary strain on your finances 🫶🏾

MOST IMPORTANTLY remember that the holidays are about spending time with loved ones, so focus on creating memorable experiences rather than solely on material possessions.

📣 Calling all business owners of 3 or more years...

If you've been looking for ways to improve your business, look no further 👏🏾

Our Business Owner Seminar teaches mid-level to advanced strategies on how to operate more efficiently and access better financial stability.

Set your business up for long-term GROWTH and success by applying the techniques we teach in this online course! 🤩

We offer several different payment options so that anyone can access this amazing course 💜 Sign up at zelkenfinancial.com

Today we're talking about the drawbacks of 401(k) Plans...😬

➡ Swipe right to see what you need to be aware of.

Though this list looks overwhelming, knowledge is power PEOPLE ⏱️ The more you know the better you can position yourself in retirement planning!

The key is to not completely rely on your 401(k) and save some money outside of your plan at work.

Reach out if you need some help getting started or understanding your 401(k) plan 👋🏾

Believe it or not, only 56% of all workers participate in retirement plans🫢

Swipe right → to see the breakdown by generation

Retirement planning is all about accountability! Only you, as the employee, are responsible for your retirement 🫵🏾 So if you don't take action, no one will...

Feeling a little behind? It's never too early to start planning ahead, even if you're nowhere near retirement age.

You don't have to do it alone either! We can help you get your retirement plans in order🫶🏾 Just reach out

It's World Savings Day!

Also known as World Thrift Day, this day is celebrated worldwide to promote the importance of saving money and fostering a savings culture 🫶🏻

Today serves as a reminder for everyone to be financially responsible and encourage saving as a means of ensuring a stable & secure financial future 🪙

It's celebrated in various countries with educational events, workshops, and campaigns.

Comment below how you'll be celebrating today ❤️

We get this question a lot 👉🏾 Retirement vs. Financial Planners

So we're here to clear things up!

Financial and retirement planners play distinct yet interconnected roles in helping individuals achieve their financial goals ✨ Swipe to see the key differences

While both types of planners may have overlapping areas of expertise, their primary focus and the specific financial goals they address differ significantly.

Clients often seek guidance from both financial AND retirement planners to ensure a well-rounded approach to their financial future 🙌🏾

Save this for the next time you're wondering 🤔

Wondering if it's your time to start retirement planning?

It's a crucial step in securing your financial future and one you don't want to start too late!

Here are 5️⃣ signs that indicate you might be ready for retirement planning:

✔️ Financial Stability - you have stable finances with sufficient savings, investments, & minimal debt

✔️ Clear Retirement Goals - you have a clear vision of what you want your retirement to look like & an idea of the lifestyle you want to maintain

✔️ Knowledge of Retirement Options - you want to better understand the various retirement options available, such as 401(k) plans, IRAs, & other investment vehicles

✔️ Debt Management - you're able to effectively manage & (ideally) minimize your debts

✔️ Near the Target Retirement Age - you are approaching the typical retirement age or have reached a point in your life where you are considering transitioning out of the workforce

It's important to note that retirement planning is a continuous process, and it's never too early to start 💜

Reach out to us if you want to better understand your specific financial situation and create a comprehensive retirement plan!

We hope it's something that never happens but also one that you are ready for if it does ❤️‍🩹

Planning for retirement in the face of a terminal or long-term illness can be challenging, but it's crucial to ensure that you and your loved ones are financially secure during this difficult time.

Swipe → to view some steps to consider when prepping for retirement in case of terminal or long-term illness.

Remember that facing a terminal or long-term illness is emotionally and financially challenging. We can also help you with the financial planning process 🫶🏾

📣 Calling all small business owners

Are you in need of a better way to operate and take the stress out of cashflow issues and employee retention?

Our online course might be your 🔑 to financial freedom!

This course teaches you:
→ How to make your business profitable TOMORROW!
→ How to position yourself & your business for maximum TAX BENEFITS
→ What business structure you should choose
→ How to incentivize employees to stay with you over the long-term
→ How to make your make your business pay your personal TAXES

Sound like something you need but not sure how you'd fund it? We offer multiple payment plan options to help make this accessible to anyone 💸

Hit the link below to find out more!
https://zelken-financial-s-school.teachable.com/p/business-bootcamp

Life vs. Permanent Life Insurance ✨ It's crucial info to know!

Term life insurance and permanent life insurance are two common types of policies, each with their own set of features and benefits.

Swipe → to learn the difference so that you can make an informed decision about what works best for you.

We know, it's a lot of information to process BUT the choice really depends on your needs 🪴

By considering your individual circumstances, financial goals, and risk tolerance, you're sure to make the right selection!

And don't forget: you don't have to weigh your options alone! We can help you determine the most appropriate life insurance strategy for your situation.

Just reach out! We're here to help 🫶🏾

October is Breast Cancer Awareness Month 💕 But at Zelken, it's so much more!

Ever wondered how we got our name and logo inspiration?

Zelken was created using April's mother’s first and last name… Zelda Kennedy. She was gracious, giving, and very comfortable in her own skin; plus loved very dearly by her community.

Unfortunately, Zelda lost her battle with breast cancer, and since then, we've committed ourselves to honoring her and her memory through Zelken 🥰

We used purple in Zelken's branding because that was her favorite color 💜 She also had wonderful handwriting, so we used a font as close to her handwriting as possible for the branding!

We wouldn't be where we are without Zelda 🫶🏾 Which is why we urge all of you to hug your loved ones tight and show some love to all those affected by this heartbreaking disease.

Comment a 💕 to show some love!

If you’ve been contemplating all month, this is your final sign to commit👋🏾

There is only ONE DAY left to get 20% off our Business Owner Bootcamp.

To make this even more accessible, we have multiple payment plan options for those with a lower budget.

In this course, we talk you through LEGACY's six pillars to optimize your business health and reach financial freedom!

Start the new year off RIGHT, feeling confident in your business and its future 🥳

Click the link below to get started!
zelken-financial-s-school.teachable.com/p/business-bootcamp

Don't take our word for it... Sign up & see the results for yourself! 😍

Swipe → to see some of our favorite ways small businesses can benefit from our new course

With our Business Owner Bootcamp, get access to our digital course BUT MORE THAN THAT get reliable & applicable insight into operating your business more effectively.

Time is running out to get it at our September discount so GET STARTED NOW ⭐️ Link in bio

Let's talk about HOPE as it relates to life insurance (since it's life insurance awareness month!)...

A colleague put out a post recently stating, "HOPE is not a plan" & it's also not:
🎚 A burial plan
🎓 A college funding plan
🏌️A retirement plan (I hope I don't lose everything)
🎗 A cancer treatment plan

Her post got me thinking about the importance of life insurance and what it can do for families to be better prepared. It got me thinking about "the plan" and why having one is so important 🤔

I borrowed a term from Charlie Jewett of Renovating Retirement called the "what happens in life scenarios" OR the "5 lives"

We've been over them before, but as a reminder, they are:
✨Long life
✨Short life
✨Rough life
✨Sick life
✨Next life

Your plan should cover all FIVE of those lives.

Using insurance as a part of "the plan" ensures your family is covered for these "what happens in life scenarios".

Remember: make a plan, because "Hope" is definitely not one! 🫶🏾

Believe it or not... Quarter 4 is right around the corner 👏🏾

Are you prepped for next year's (or quarterly) taxes? Ready or not they're coming.

Though it may sound like an impossible task, getting your finances and books in order NOW means you'll be less stressed & better prepared come tax season.

If the second picture is you, it's time to change your mindset & get ✨FINANCIALLY EMPOWERED✨

Now is also the perfect time to get our Business Owner Bootcamp course, which teaches you how to ✅ maximize tax benefits, ✅ make your business pay your personal taxes, & so much more. Learn more at the link in our bio!

Comment "👊🏾" if you're ready for Q4

It's Life Insurance Awareness Month! 🫶🏾

→ Swipe right for information about life insurance

The more people scroll through social media and see posts about Indexed Universal Life Insurance policies, the more questions they have... So why not ask?!

A few essential things you should know:

💰 These policies can be flexible, but they need to be built out correctly for your needs.

💰 Not every Insurance Agent is familiar with these policies! It takes a great deal of time and education to be knowledgeable about life insurance.

💰 There are numerous ways to pay for these policies and the incredible benefits they offer.

If you're interested in learning more about Indexed Universal Life Insurance and how it can benefit you, or solve your problems, feel free to reach out.

Business owners, are you looking to ↑level up↑ this September?

You've come to the right place!

Our Business Owner Bootcamp course focuses on improving cashflow and profitability so you can optimize your business health and reach financial freedom 📈

The lessons from this course help teach you how to:
💸 Make your BUSINESS PROFITABLE quicker
💸 Position your business for optimal TAX BENEFITS
💸 Choose a BUSINESS STRUCTURE
💸 INCENTIVIZE EMPLOYEES to stay with you over the long term
💸 Make your BUSINESS PAY YOUR PERSONAL TAXES

Don't miss out on this opportunity to unlock long-term stability and financial growth with the help of effective strategies tailored just for you!

We offer multiple payment plans so you don't have to worry about breaking the bank... Think of it as an investment in the future success of your business 🤩

➡ Follow the link below to learn more & test out the first module for FREE!!
zelken-financial-s-school.teachable.com/p/business-bootcamp

With 30 years of service as a police officer, I know there is a lot they don't tell you about retirement 🤫

Listen, I get it 🙋🏼‍♀️ As a law enforcement officer, you have much more pressing life demands to worry about.

Between the stress of the job and taking care of loved ones, effectively planning for early retirement can seem impossible.

BUT...

If I had continued on the path of taking payments from my pension as it was set up, taxes would have taken such a large percentage of my income that I wouldn't have been able to cover my life expenses 😱

That's when I found Renovating Retirement, learned new ways to organize and protect my financial assets, and became the retirement planner I wish I had.

Instead of being caught off-guard, arm yourself with the knowledge needed to properly plan for retirement. DM us a 💰 if you're ready to feel confident about your financial future.

Calling all business owners who want to take the stress out of cashflow issues and employee retention! 📣

We just launched our Business Owner Bootcamp on Teachable 🙌🏾 With it, you get access to our digital course that helps improve cash flow and profitability.

We will walk you through LEGACY's six pillars to optimize your business' health and reach financial freedom! 💸

What are you waiting for? Take control of your finances and improve your business today.

Hit the link below to get the first module for FREE!! 😍
zelken-financial-s-school.teachable.com/p/business-bootcamp

As a police officer, you already KNOW planning for retirement is essential, but it's equally as important to plan early!

We've gathered a few reasons why you should push this priority to the top of your to-do list ⬆️ Swipe right to find out.

In short, a well-thought-out retirement plan can help you:
✅ accumulate savings
✅ invest wisely
✅ secure a steady income stream
✅ support your desired lifestyle

If you're ready to take control of YOUR retirement, get in touch with us today! 📲 We're here to help you plan effectively.

Financial security in retirement starts with taking that first step... 👣

To educate yourself and get help with planning!

To help you get started, we've put together a FREE webinar on optimizing your retirement.

This is made specifically for our law enforcement officers and first responders 👮🏽‍♂️ that are unsure or confused about how their pension will fund their senior years (believe us, we've been there!).

Instead of being caught off-guard, arm yourself with the knowledge needed to properly plan for retirement by signing up for our free webinar! 💻

There's a lot of great info in there that should help clear things up and answer your questions. Plus, you'll be invited to talk with us one-on-one afterwards too!

📲 Sign up at the link in our bio

The one thing you need to know about the Secure Act 2.0 is that it makes saving for retirement a little easier! 🙌🏾

In our latest YouTube video, we talked about this act - and since it's still pretty new info, we wanted to break it down a little more...

In December 2022, Congress approved the Secure Act 2.0, which has changes to 401k and IRA accounts that will allow you to contribute a little more each year - making saving for retirement easier!

Other things covered by this act:
✅ upping the age of required minimum distributions (RMDs)
✅ allowing unused 529 funds (tax-advantaged savings plan for college expenses) to roll over to a retirement account penalty-free
✅ making it easier for workers with student loans to save for retirement

Check out all the details in this article ➡️ https://docs.google.com/document/d/1cnQpqW3Rsuhcj-X21hjJpmEEXGiFa7Xb/edit?rtpof=true

Questions? Don't hesitate to reach out!

When we're helping our clients plan for retirement, we're like a kid in a candy shop 🍭

We get excited at every step in the process! And can't help but do a happy dance as we help our clients think through every option available to them.

We know retirement isn't always a "fun" thing to think about...

So, it helps to have someone on your side that LOVES it, knows all the ins-and-outs, and gets you excited about it too! 😍🙌🏾

If you need help planning for retirement - especially as a first responder or LEO - reach out to see how we can help. 📲 Schedule a free call with us at zelkenfinancial.com

It's almost the end of July already! 🤯 Can you believe how quickly this summer has flown by?

We love taking time at the end of each month to reconcile our finances - both personal and business - to see where we're at and make plans for where we'd like to be. 📝

Being aware of your financial situation is the first step to improving it 💸

And making time at the end of the month to get clear and set new financial goals is a great way to do that!

⬇ Will you be spending time this weekend looking at your finances?

Living a comfortable life during retirement IS possible...

Let's optimize your income NOW so your goal is not just a dream - but a reality! 🤑

💸 The best way to do that is to watch our free, educational webinar at zelkenfinancial.com!

It gives law enforcement officers and first responders tips for how to maximize your retirement and plan for the future.

After the webinar, you'll be invited to schedule a FREE appointment with us, where you will:
☑️ Get answers to your questions
☑️ Learn about your retirement options
☑️ Find out how to best prepare for retirement

Head to zelkenfinancial.com - you know you want to 😏