Our Passion

“Your money and your life." They are inseparable. If you want to enjoy both, you need a plan. That’s where we come in. Let the Zale Group help you plan for your financial and life goals. 

Your money will fund the present and future lifestyles for you and your family. For most people, money is a limited and hard-earned resource. Every dollar you earn can either be spent, saved, or given away. Even if you have a lot of dollars, each dollar can only be spent one time, and then it’s gone. 

AND

Your Life can be summed up as the time you have on earth and what you do with it. It is easy to let time slip by and not have a plan for your life because we like to think we have plenty of time left. It is vital to plan for the future if you have goals to retire, travel, or even raise children. As a wise man said, “Most people overestimate what they can accomplish in a year, but underestimate what they could accomplish in a decade.” We believe you can accomplish much if you just have a plan. Let us help you plan for the future.

Our Business Card

Our business card is the Zale Group coin. We started using it in 2015 to acknowledge 50 years of combined financial planning experience of our staff. 

The front of the coin features the Zale Group Z superimposed over the closing prices of the Dow 30 Industrials from 1977, the year our founding partner started in the business. On either side of the Z are an hourglass and a dollar sign, representing Time and Money, two resources that could be wasted without good planning. This side of the coin represents what we do for our clients. 

On the reverse is an image of the Spirit of Detroit by Marshall Fredericks. We chose this image because we are proud to be part of the Detroit area, with its rich history, current renaissance, and great people. Also, since many of our client relationships encompass multiple generations of families, we like the artist’s concept that “God, through the spirit of man is manifested in the family, the noblest human relationship.” This side of the coin represents our clients and their families. 

To put it simply, the relationship we have with our clients is two sides of the same coin. Good planning optimizes your time and money to help realize your goals for the most important things in your life.

Coin image head
Coin image tail

Our Difference

What separates us from other financial advisors can be summed up in two words: Experience and Consistency.

Experience – Our founding partner has been advising clients for more than 45 years. In fact, some of his clients have been with him for the past 25, 30 and almost all of those years. They have navigated the savings and loan crisis of the 1980s, the crash of 1987, the mini crash of 1997, the dot com bubble of 2000, the aftermath of 9/11, the financial crisis of 2008, and all of the bull and bear markets along the way. It is rare to find that length of experience, and the market perspective that comes with it, in advisors today. 

Consistency – That same dedication to serve our clients for over 45 years in the past is shared by our youngest partners looking forward to serve you now and in the future. You can feel confident knowing that our team is committed to be with you for the long term. 

Our job is to help you plan for life, but our goal is to make clients for life.

Our Approach

Your Life Stage, Plans, and Strategies.

Like our clients, you probably find yourself today in one of three Life Stages. In order to be successful through these Life Stages, we can help you create Plans to address your specific needs.

1

Accumulating Your Wealth for the Future

  • Savings Plan
  • Retirement Plan
  • Debt Elimination Plan
  • Education Savings Plan
  • Insurance Plan
  • Investment Plan

2

Enjoying Your Wealth in Retirement

  • Income Plan
  • Tax Savings Plan
  • RMD plan
  • Social Security Plan
  • Long Term Care Plan

3

Giving Your Wealth to Help Others

  • Charitable Giving Plan
  • Estate Plan
  • Family Foundation Plan
  • Beneficiary Plan

Each plan we create is as unique and one of a kind as you are. Your plan will need strategies to be successful.

We use a wide array of strategies in our client’s plans. Strategies can be…

  • Investments: Stocks, Bonds, Mutual Funds, and more
  • Accounts: IRA, Custodial for Minors, Transfer on Death, and more
  • Programs: 529 College Saving, 401k, Dividend Reinvestment, and more
  • Insurance: Term and Universal Life, Long Term Care, Disability, Annuities, and more