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Zephyrus Financial Services

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Zephyrus Financial Services

Zephyrus Financial Services was founded on integrity. We are intentionally different from other firms. This information is not intended as tax or legal advice.

Zephyrus Financial Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment servic

es are offered. Advisory services are only offered by Investment Adviser Representatives. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services LLC nor any of its representatives may give legal or tax advice. Cetera Investment Services LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business.

08/28/2026

What an incredible day at the Medina Charity Classic! ⛳️🎗️

Zephyrus Financial Services was proud to support this year’s event benefiting the I’m With Alec Fund and families facing childhood cancer and blood disorders at Children’s Minnesota.

This cause holds a special place in our hearts. Alec is the brother of our own Financial Advisor and Director of Marketing, Eli Santelman, making the day especially meaningful for the entire Zephyrus team.

A heartfelt thank-you to Medina Golf & Country Club for hosting such an outstanding event and bringing people together through golf, generosity, and a shared commitment to helping families in need.

We are grateful to everyone who participated, donated, and helped make the event such a tremendous success!

08/07/2026

Financial planning is personal, and the people you trust with it should feel personal, too.

We’re excited to share a fresh look at the people at Zephyrus. These new photos capture what we hope every client experiences when working with us: a team that is accessible, thoughtful, and ready to help turn life’s questions into a clear route forward.

A huge thank you to Desiree Adelyne Photography LLC LLC for bringing these images to life. We’re so excited to share them finally!

Here’s to dreaming boldly, planning intentionally, and investing in what matters most.

07/29/2026

A little friendly competition at the West Shore Region Golf Scramble! ⛳️

Tim’s team finished second, while Eli’s team took home the win… for the second year in a row. 🏆

Thank you to our sponsors for making the day possible:

Andrew Kraner, MMA
Aaron Hayes, F&G
Schyler Adams, Prudential
Charlie Meeker, Securian
Eddie Kaiser, Equitable

Great golf, great people, and even better bragging rights!

07/16/2026

At the age in this photo, Eli’s retirement plan was probably just to stay up past bedtime.

Okay, maybe I was a little too young to start planning, but the truth is, retirement can still feel far away when you’re a young professional. It’s easy to think you’ll get started after the next raise, after paying down student loans, after buying a home, or when life feels a little more settled.

The good news? You don’t need to have your entire future figured out to begin.

A few practical places to start:

• Learn what your workplace retirement plan offers, including whether an employer match is available and what requirements apply.
• Choose a contribution amount that fits your current budget, even if it’s modest.
• Automate contributions when possible and review them as your income and priorities change.
• Balance retirement planning with emergency savings, debt payments, and other financial goals.
• Revisit your plan regularly as your career and life evolve.

Retirement planning isn’t about predicting exactly what life will look like decades from now. It’s about taking thoughtful steps today and making informed decisions for your future.

At Zephyrus Financial Services, we enjoy helping young professionals understand their options and create retirement strategies aligned with their goals, priorities, and financial circumstances.

What’s one small step you could take for your future this year?

— Eli Santelman
Financial Advisor & Director of Marketing
Zephyrus Financial Services

07/09/2026

𝗗𝗿𝗲𝗮𝗺. 𝗣𝗹𝗮𝗻. 𝗜𝗻𝘃𝗲𝘀𝘁.

At Zephyrus Financial Services, this is more than a tagline.

It is how we believe financial advice should begin.

Before we talk about investments, accounts, or numbers, we want to understand you.

𝗗𝗿𝗲𝗮𝗺 means talking about what matters most.

Maybe that is retiring with confidence.
Helping your kids or grandkids.
Buying a home.
Building a business.
Traveling more.
Giving back.
Or simply feeling more organized with your money.

Your goals do not have to sound perfect. They just need to be yours.

𝗣𝗹𝗮𝗻 means sitting down with one of our financial advisors and building a strategy around those goals.

We look at where you are today, where you want to go, and what steps may help you get there.

𝗜𝗻𝘃𝗲𝘀𝘁 means putting your money to work in a way that connects back to your plan, your timeline, and your comfort with risk.

Because investing should not feel random.

It should have a purpose.

That is what Dream. Plan. Invest. means to us.

We get to know the person first.
We build the plan second.
We invest with intention third.

At 𝗭𝗲𝗽𝗵𝘆𝗿𝘂𝘀 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, we believe financial advice starts with understanding people.

Not just portfolios.

07/02/2026

New photos, same Zephyrus.

We recently had updated photos taken, and we are excited to share a fresh look with you.

At Zephyrus Financial Services, financial planning has always been about more than numbers. It is about people, relationships, and helping clients feel confident about the decisions they are making for their future.

These photos are a chance to show more of the team behind the work.

The people who answer the calls.
The people who ask the questions.
The people who build the plans.
The people who care about doing things the right way.

We are grateful for the clients, families, business owners, and community members who continue to trust us.

Same team.

Same values.

Fresh look.

06/26/2026

So how much is a trillion dollars actually?

We hear the word all the time, especially when companies like SpaceX or people like Elon Musk are in the news.

But a trillion is hard to picture.

A trillion dollars looks like this:

$1,000,000,000,000

That is 12 zeros.

It is one million millions.

Here is the silly part:

If you spent $1 every second, it would take more than 31,000 years to spend $1 trillion.

If you had $1 trillion in $100 bills, you would have 10 billion $100 bills.

If you stacked those bills, the pile would stretch hundreds of miles high.

In other words, $1 trillion is not just “a lot of money.”

It is almost impossible for most of us to wrap our heads around.

That is why headlines about trillion-dollar valuations and massive net worth numbers can feel so exciting.

But here is the reminder:

Net worth is not the same as cash in the bank.

A company valuation can move.
Stock prices can change.
Paper wealth can rise and fall quickly.

For most investors, the lesson is not that you need to find the next SpaceX.

The lesson is that big numbers can create big emotions.

Excitement.
FOMO.
Fear of missing out.
Fear of being left behind.

And emotions are not always the best financial plan.

Whether you are thinking about $1 trillion, $1 million, or your next paycheck, good financial decisions usually come back to the same basics:

Know what you own.
Know why you own it.
Know how it fits your goals.

The numbers may get silly.

The plan should stay serious.

06/17/2026

We’re halfway through the year, can you believe it?

Now is a great time to take a step back and check in on your finances. Think of it as a mid-year money reset: a simple way to see what’s working, what may need adjusting, and whether your financial goals still match where life is taking you.

A few things to review:

✅ Are you spending more or less than expected?
✅ Is your emergency fund where you want it to be?
✅ Are you making steady progress toward your savings goals?
✅ Have any big life changes affected your insurance, taxes, or long-term plans?
✅ Do your goals for the rest of the year still feel realistic?

Financial planning is not about being perfect. It is about staying aware, making adjustments, and giving yourself the confidence to move forward.

At Zephyrus Financial Services, we believe that clarity today can help create better choices tomorrow.

Take a little time this month to review your financial picture. Your future self may thank you.

06/12/2026

𝗠𝗼𝗻𝗲𝘆 𝗰𝗮𝗻 𝗳𝗲𝗲𝗹 𝗼𝘃𝗲𝗿𝘄𝗵𝗲𝗹𝗺𝗶𝗻𝗴 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂’𝗿𝗲 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 𝘀𝘁𝗮𝗿𝘁𝗲𝗱. ☀️

For many young people, real life brings a lot of financial “firsts” all at once.

Your first paycheck.
Your first credit card.
Your first rent payment.
Your first student loan bill.
Your first time choosing benefits.
Your first questions about saving or investing.

And the truth is, a lot of people are expected to make these decisions before anyone really explains how money works.

Advisor Eli Santelman wants younger people to know this:

You do not have to figure everything out overnight.

You do not need a huge income.
You do not need a perfect budget.
You do not need to know everything about investing.

You just need to start with one small, intentional step.

That could be:
✔️ Tracking your spending for a week
✔️ Setting aside $25 from your next paycheck
✔️ Paying a little more than the minimum on a credit card
✔️ Learning what affects your credit score
✔️ Contributing to a retirement account if one is available
✔️ Starting to invest, even if the amount feels small
✔️ Asking questions before making a big financial decision

Small steps matter, especially when you start early.

The goal is not to have your whole financial life figured out by 25.

The goal is to build habits that give your future self more choices.

06/08/2026

Small Moves, Big Momentum ☀️

We’re kicking off a summer series at Zephyrus Financial Services inspired by thoughts from advisor Amanda Schueler, all about simple financial steps that can make a meaningful difference over time.

One of Amanda’s reminders is this: you do not need $1,000,000 to start investing.

You do not need to have everything figured out.
You do not need the perfect plan.
You just need to begin.

Financial progress often starts with small, intentional moves, such as:

✔️ Making one extra mortgage payment each year
✔️ Increasing your monthly investment amount by $50
✔️ Raising your 401(k) contribution by 1% each year until you reach at least 10%
✔️ Looking into a low- or 0%-interest balance transfer option if credit card debt is weighing you down
✔️ Starting to invest, even if the amount feels small

Amanda Schueler compares it to starting a fitness routine. You don’t run a marathon on day one. You start with a walk, one workout, or one better choice. Then those small choices begin to build momentum.

Your financial life can work the same way.

One small step can lead to more confidence. More confidence can lead to better habits. And better habits can help create bigger outcomes over time.

This summer, we’ll be sharing simple financial moves to help individuals and families dream, plan, and invest with more confidence.

Address

96 4th Avenue NW
Hutchinson, MN
55350

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+13202342501

Website

https://www.zephyrusfs.com/

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