Investment Services

Keeping up with increasingly complex financial markets demands a high level of expertise and extensive resources. 

Zonka & Associates has access to world-class research, state-of-the-art technology and comprehensive investment tools. Together, we will map out investment plans  tailored to client goals, risk tolerance and time horizon.

We formulate investment plans based on the combined performance attributes of the individual asset classes. Your portfolio may include, but is not limited to, mutual funds, stocks, bonds, a no-load variable annuity, cash equivalents or a combination of these vehicles. What’s more, you have the ability to include investments you already own, such as long-held performers and sentimental favorites.

FEE - BASED GUIDANCE

Fee-based asset management (through LPL Financial) allows you and your LPL Financial Advisor to share a common goal—to grow the value of your assets. A long-term approach to investing, fee-based asset management ties your advisor’s compensation directly to the performance of your account. Instead of commissions, your advisor earns an annual fee based on the market value of the account. You and your advisor concentrate on what matters most—building an investment portfolio designed to help meet your specific needs.

INDEPENDENT RESEARCH

Zonka & Associates is supported by one of the largest independent research organizations in the industry. With access to timely, detailed information, computer-modeling tools and market intelligence, your advisor makes informed decisions on your behalf. No conflicts of interest are imposed by the constraints of proprietary products, investment banking relationships or other activities that may be inconsistent with your needs. Your advisor will thoroughly analyze the research provided and select those investments best suited to your unique financial situation.

ONGOING MANAGEMENT

Portfolio rebalancing is a critical component of the strategic asset allocation process and essential to the long-term success of your portfolio. Rebalancing is designed to ensure that the allocation of your assets remains in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that are not reviewed on a regular basis tend to drift from their target allocations. A portfolio that is not regularly rebalanced could assume a risk/reward profile that is not in keeping with your investment objectives.Your portfolio will be reviewed on a periodic basis, and adjusted when needed, to help maintain the optimal allocation of your investments.

ACCOUNT PROTECTION

LPL Financial's SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $100,000 may be in cash. For an explanatory brochure, please visit www.sipc.org. Additionally, through Lloyd's of London, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $750,000,000, subject to conditions and limitations. Please contact the Legal Department at LPL Financial for further information. The account protection applies when a SIPC member firm fails financially and is unable to meets its obligation to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. This extensive coverage reflects a strong commitment to serving your investment needs.

Through the LPL Financial multi-bank Insured Cash Account Program, deposits are eligible for up to $1 million of deposit insurance for individual accounts, and for up to $2 million of  deposit insurance for joint accounts through the FDIC. At each bank, your Insured Cash Account deposits are insured by the FDIC to a maximum amount of $100,000 (including principal and accrued interest) when aggregated with all other deposits held by you in the same recognized legal capacity (e.g., individual, joint, IRA, etc.) at the same bank. For example, if you have an individual brokerage account, you would be eligible for up to $100,000 of FDIC deposit insurance per bank. If you and your spouse have a joint account, your account would be eligible for up to $200,000 of FDIC deposit insurance per bank.

If you have any questions about FDIC insurance coverage, visit www.fdic.gov.