Charting Your Personal Financial Future

Zuk Financial Group is committed to providing financial and investment planning services that are both unique and customized for each of our clients.   Our reputation is the result of a customized comprehensive planning process that values communication and a collaborative approach.   Zuk has been servicing the financial, retirement and investment needs of its clients since 1974 and maintains a priority of safekeeping your financial future. A brief overview of our services follows.

Services Overview

Financial Goals Assessment

We act as a catalyst to help you clearly define your objectives and organize the necessary data to proceed with a mutually agreed upon plan of action.

· Review your financial situation and identify goals and priorities.

· Assess your risk tolerance.

· Discuss strategies to address the requirements of your plan including the impact of any upcoming life transitions.

Investment Analysis & Portfolio Design

Your investment strategies need to align with your goals and abilities to assume risk.   Even though technology has made portfolio analysis available to the consumer, most people do not have the time or interest to do it themselves. Some just want a professional opinion.

· Extensive portfolio review that includes your risk tolerance, time horizon, investment objectives, tax efficiency and inflation impact.

· Analyze investment performance and coordinate with investment goals.

· Make investment recommendations as well as design, implement and monitor portfolios.

Pre & Post Retirement Planning

Prior to retirement the primary question is always, "When can I retire?" and "Will I have enough money to last my lifetime?"   After retirement, the determination of how and when to withdraw money from savings becomes the focus so as not to outlive the nest egg.

· Assess income needs and the ability of pensions, Social Security, CalSTRS and Cal PERS to provide for them.

· Run tax projections and evaluate tax strategies to help minimize taxes.   Assist client on the set up of a tax deferral plan for themselves or their business.

· Determine a strategy for the distribution of assets in retirement aimed to meet cash flow needs that considers inflation, capital preservation and tax mitigation.

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