About Z Financial Planning, LLC

Jim Zeberlein CFP® and Z Financial Planning, LLC have been offering comprehensive and hourly, fee-only financial planning advice, insurance consulting and investment management services that address the real-life needs of individuals and small business owners in the Salt Lake City area since 2007. If you're like most people, you have several pieces of your financial plan in place ? you pay taxes, invest in the market, have some insurance, and maybe have an estate and retirement plan. However, it's likely that each of these pieces were developed independently and at different times in your life. Our main objective is to improve your quality of life by coordinating your financial goals & needs and focusing on what is best for you. It's likely that you've never had all the pieces reviewed by someone who wasn't trying to sell you some type of financial product. Our only compensation is what you pay for our professional advice. Feel free to contact us for a no-cost, no-obligation initial consultation. Regardless of how much money you have, working together, we feel confident that we can help you address your financial concerns, and build a more secure, enjoyable future.

General Information Years of Experience in Financial Services:    23 Gender:    Male CRD#:    142676 Work Experience:    Jim is the Owner & Managing Director of Z Financial Planning, LLC in Salt Lake City. He is a Certified Financial Planner and NAPFA Registered Financial Advisor with over 23 years of experience in personal financial planning including customized investment management, insurance, estate planning, and personal trust services. He is licensed in Utah to practice as an independent Registered Investment Advisor & Insurance Consultant and is committed to working with clients on a fee-only basis. While serving as an officer in the United States Air Force Jim earned an MBA from the University of Dayton. In addition, he received his Certified Financial Planner designation in 1994. As President of the Utah Chapter of the Financial Planning Association in 2005 and 2006 and Chairman of the Board in 2007, he is heavily involved in promoting the profession of financial planning. He takes pride in serving on the Planned Giving Committee of the Deseret Foundation, the Board of Trustees for AMICUS, and the Chairman of the Executive Woman's International Investment Committee. He is also a member of the Salt Lake Estate Planning Council and frequently provides financial education to high school students as part of the Junior Achievement's Financial Literacy program. Throughout his career Jim has worked hard to provide whomever he works with the time, tools, education, and service needed to take the worry out of their financial future?. He and his wife Pam have lived in Utah for over 20 years and enjoy camping, fishing and riding motorcycles with their friends and family. States Licensed in:    UT Name of Custodial Firm:    Shareholders Service Group Number of Years with Current Firm:    4 Insurance License#:    70753 Work with the following types of clients:    Businesses, Individual Investors, Non-Profit Organizations States Willing to do Business in:    GA, WY, NV, ID, CO

Education Academic Background   BBA, Finance, Valdosta State University MBA, Managment, University of Dayton

Services Investment Types:    Mutual Funds, Bonds, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI) Can meet clients in the following ways:    Your Office, Phone, Our Office, Your Home

Qualifications & Memberships Certifications, Accreditations & Designations:    NAPFA Registered Financial Advisor, CERTIFIED FINANCIAL PLANNER™ Certificant Securities Licenses:    Series 65 Insurance and Annuity Licenses:    Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Casualty, Property, Disability Financial Organization Memberships:    Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA), Alliance of Cambridge Advisors Non-Financial Organization Memberships:    Deseret Foundation Planned Giving Committee, AMICUS Board of Trustees

Compliance Criminal Disclosures in Last 5 years:    Have a clean record Compliance Disclosures in Last 5 years:    Have a clean record Registered Investment Advisor:    Yes Investment Advisor Representative:    Yes Acknowledged fiduciary:    Yes

Compensation and Fees Hourly Rate:    $ 125 Additional Details on Charges:    For those interested in ongoing investment management of their assets, we will credit financial planning fees to the first year's investment management fees. Compensation Methods:    Based on Assets, Hourly, Flat Fee Minimum Portfolio Size for New Managed Accounts:    $ 100,000 Fee Structure:    Fee-Only

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	Do you offer any guaranteed results?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	Why should I choose you as my financial advisor?

Q.	How do you charge for your services?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

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Q.	What are your qualifications? What is your education background?
My overall objective is to improve the quality of life for every client I work with. I want them to feel that they have control over their financial life and, when they have questions, they can trust me to answer them with their best interests in mind.

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
Yes. However, I often work with a client?s existing advisor?s (i.e. attorney, CPA, insurance agent) to ensure that all aspects of the client?s financial life are properly coordinated and implemented.

Q.	How many clients do you currently manage?
As a CFP® professional & NAPFA Registered Financial Advisor,I am paid by my clients to provide financial planning on a flat fee or hourly basis. I?m not compensated through commissions, the sale of any financial product, or by any 3rd parties for any recommendations I make or help implement. I charged a very competitive annual fee for those I provide investment/wealth management services to.

Q.	Will you be the only person working with me?
Yes, if desired.

Q.	Do you offer any guaranteed results?
As a Registered Investment Advisor licensed in the state of Utah I cannot guarantee any investment results.

Q.	How much risk should I be willing to take?
That depends on the goals and objectives of the individual. My approach is to customize how assets are managed with each client by clearly identifying their risk tolerance. I then create an Investment Policy Statement (IPS) that outlines the objective of the portfolio, the expected rate of return, how it will be managed, etc. The IPS is reviewed and updated annually with the client.

Q.	Have you ever been charged with any breaches?
None, in over 22 years in the industry.

Q.	What is your approach to financial planning?
I provide financial planning on a flat fee or hourly basis depending on what the client is looking for and the complexity of their estate. I charge an annual fee, not greater than 1%, to manage financial assets under management. I do not earn commission or receive 3rd party compensation of any kind.

Q.	What services do you offer?
My independence and business model is designed to deliver objective financial planning advice that is in the best interest of my clients. My experience provides me with the ability to analyze situations and provide recommendations that best fit the client?s objectives.

Q.	Why should I choose you as my financial advisor?
I began my career in the financial services industry in 1987. I have a BBA in Finance and a MBA in Management. I earned my CFP® designation in 1994 (www.fpanet.org). In addition, as a NAPFA (National Association of Personal Financial Advisors) Registered Financial Advisor (www.napfa.org), I am committed to providing comprehensive and hourly financial planning on a fee-only basis.

Q.	How do you charge for your services?
I provide financial planning on a comprehensive & project basis. In addition, I provide ongoing investment and wealth management services.I specialize in investment management and review, life insurance policy analysis, retirement income planning, capital protection and wealth transfer.

Q.	What services do you provide? What are your specialties?
I provide financial planning on a comprehensive & project basis. In addition, I provide ongoing investment and wealth management services.I specialize in investment management and review, life insurance policy analysis, retirement income planning, capital protection and wealth transfer.

Q.	What is your experience? How many clients do you currently manage?
I began my career in the financial services industry in 1987. I have a BBA in Finance and a MBA in Management. I earned my CFP® designation in 1994 (www.fpanet.org). In addition, as a NAPFA (National Association of Personal Financial Advisors) Registered Financial Advisor (www.napfa.org), I am committed to providing comprehensive and hourly financial planning on a fee-only basis.

Q.	What financial institution(s) do you represent?
None; as an independent Registered Investment Advisor and NAPFA Registered Financial Advisor I have a fiduciary relationship with my clients and represent their interests first.