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Save for a Rainy Day
As fall sets in Seattle we know what’s coming, rain! Saving for a rainy day is an idiom whose origins are really unknown, but all
About Us
Jon Zetlmaier
CFP®, AIF®
My name is Jon Zetlmaier. I started as a stockbroker in 1997 straight from the University of Washington with a BA in Economics. I was always fascinated with investments. Maybe it was watching the old movies “Wall Street” or “Trading Places” at way too young of an age that inspired me. Needless to say, the seed was planted early. The problem is that I grew up in a working class household, and we didn’t have investments. Pensions were the primary retirement plans and 401ks were just about to gain in popularity.
As I got into the business it was evident that the people who succeeded had some sort of connection to get them over the first few hurdles. If you had an uncle or a cousin who could invest a few hundred thousand, that was good enough to keep you around for a while. Without moneyed ties I had to work extra hard and eventually burned out. I wasn’t a particularly good salesman. So, I bounced around different financial services jobs trying to find my niche until I finally got lucky. Over time ZWM was formed through a few iterations. Now ZWM is wholly independent, allowing me to realize my vision of creating a financial services firm that breaks the mold: fees that are fairer to the client, and unsurpassed personal service.
I have done work with professional athletes, doctors, lawyers, tech sector employees, nurses, engineers, and government employees. I have extensive experience with the Washington State Employees Pension systems: PERS, PSERS, LEOFF… I also have experience working with the Boeing retirement plan and Federal Employee retirements, FERS and TSP.
I am a CFP® Professional and an Accredited Investment Fiduciary®. I am legally bound to a fiduciary standard of care.
Registered Investment Advisor
Owner and registered investment advisor, Jon Zetlmaier is dedicated to providing personalized solutions tailored to your unique needs and goals.
ZWM’s investment management strategies are driven by foundational principles that aim to optimize your financial growth while managing risks. A core principle is global diversification. By investing across various markets and asset classes, we reduce the risk associated with market fluctuations and enhance potential returns. Another crucial principle is risk management, which involves developing strategies to protect your investments from market volatility. Our approach ensures that your wealth is safeguarded and positioned for growth. Additionally, regular rebalancing is integral to maintaining the desired asset allocation in your portfolio, ensuring it aligns with your financial objectives and adapts to changing market conditions.
At ZWM, we understand that markets and personal financial circumstances are constantly changing. That's why routine portfolio adjustment is a critical aspect of our investment management services. Regular rebalancing helps maintain the desired asset allocation in your portfolio, ensuring it stays aligned with your financial goals despite market fluctuations. This process involves assessing your current holdings, evaluating market conditions, and making the necessary adjustments to optimize your investments. By consistently rebalancing, we help manage risk and take advantage of new opportunities, keeping your portfolio effective and efficient. Our approach ensures that your investment strategy adapts to changes in the market and your life, providing stability and growth potential over time.
Understanding the importance of consistent cash flow is key to achieving both short-term and long-term financial objectives. At Zetlmaier Wealth Management LLC (ZWM), we prioritize cash flow planning by developing strategies that help maintain a steady income stream. We work closely with you to evaluate your current and future cash flow needs, taking into account your lifestyle, expenses, and financial goals. Whether your focus is on retirement, funding education, or any other financial priority, our team creates a plan that supports your specific objectives.
Our approach to cash flow planning includes assessing your sources of income and identifying potential gaps or risks. By doing so, we can recommend adjustments or additional investments to help ensure that your income remains stable over time. We also consider tax implications and other factors that might affect your cash flow, aiming to optimize your financial situation.
Incorporating both current financial conditions and future projections, our strategies are designed to provide a balanced and adaptable plan. This ensures you have the financial resources needed to support your goals, regardless of market fluctuations or changes in your personal circumstances. With ZWM's cash flow planning, you can have confidence in your ability to meet your financial commitments and enjoy long-term financial stability.
At ZWM, we understand that investment management should be both effective and affordable. To achieve this, we utilize exchange-traded funds (ETFs), which offer a cost-efficient way to diversify your investments. ETFs typically have lower expense ratios compared to other investment vehicles, helping to keep your underlying costs low.
By managing investments in-house, we further enhance cost efficiency without compromising on the quality of our services. This in-house management allows us to closely monitor your portfolio and make timely adjustments as needed. The use of ETFs and our hands-on approach enable us to provide professional investment management services that are accessible to a broader range of clients.
In addition to utilizing ETFs, we focus on creating strategies that maximize the value of your investments. Our team is adept at identifying opportunities that align with your financial goals while keeping expenses in check. We believe that effective investment management should not be out of reach due to high costs, and our methods reflect that commitment.
Whether you are new to investing or have a well-established portfolio, our affordable investment management solutions are designed to help you achieve your financial objectives without the burden of excessive fees.
Choose ZWM
I work or have done work with professional athletes, doctors, lawyers, tech sector employees, nurses, engineers, and government employees. I have extensive experience with the Washington State Employees Pension systems: PERS, PSERS, LEOFF… I also have experience working with the Boeing retirement plan and Federal Employee retirements, FERS and TSP.
I am a CFP® Professional and an Accredited Investment Fiduciary®. I am legally bound to a fiduciary standard of care.
