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 that sound financial planning creates confidence, reduces stress, and makes investing more satisfying. Using our values-based planning process, we build your financial plan around your unique vision and goals for the future. We begin by completing a Values-Based Financial Roadmap® to gain clarity into your financial “big picture,” including where you are today, where you want to be in the future, and the freedoms and opportunities that are most important to you. The resulting written financial profile and action plan include a sensible strategy to give you the highest probability for living the life you want. Our financial planning services are designed to help you answer these important questions:

When can I retire?	Will we have enough saved for college?
How should I save for retirement?	Do I have the right insurance?
How much risk do I need to take in my investments?	Should I pay off my mortgage early?
Which pension payout option should I choose?	When should I start receiving Social Security?
Am I spending too much?	I need money. Which asset should I draw from?
Can I afford a vacation home or to travel?	Can I leave a legacy for my children?
Can I switch careers?

Company Info

Zephyr Investment Management, Inc.
3625 East Thousand Oaks Blvd, Suite 145
Westlake Village, CA 91362
P: 805-496-6810
F: 805-496-0630
E: cmunoz@zephyrim.com

Investment Updates

Why Did Stocks Close At A Record-High After Disappointing Jobs Report?

Stocks closed at a new all-time high today despite a bad surprise on the employment situation. What's driving stocks?

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Planning Briefs

Will M2 Be The Big Investment Story Of 2021?

Financial media coverage of the explosion in the nation’s money supply, M2, is scant. With so much going on in the world, the parabolic rise in M2 has received little

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Zephyr’s Blog

Low Interest Rates and Investors

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 ne...

Securities and Advisory Services offered through FSC Securities Corporation, Member FINRA/SIPC. Additional advisory services offered through Zephyr Investment Management, a registered investment advisor in the state of California, not affiliated with FSC Securities Corporation.

This communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, DC, FL, HI, ID, IN, MA, NC, NM, NV, NY, PA, OR, UT, and WA. No offers may be made or accepted from any resident outside the specific states referenced.

IMPORTANT CONSUMER INFORMATION

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator. Information is also available at www.adviserinfo.sec.gov and brokercheck.finra.org.