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Zephyrus Financial Services

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Zephyrus Financial Services

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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 services 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.

10/08/2026

Amanda Schueler’s financial plan at this age? Let the grown-ups handle it. 😊

Eventually, she became one of those grown-ups.

A phrase Amanda heard growing up still shapes her approach today:

“Money isn’t everything, but it is something.”

Money matters because of what it can help you do. Make memories with family. Explore somewhere new. Support a cause you love. Prepare for life’s unexpected turns.

Before working in financial services, Amanda worked in education, including six years directing a childcare center. Today, she brings that same educator’s mindset to Zephyrus Financial Services: explain things clearly, welcome questions, and help people understand their next step.

You don’t need to have all the answers before talking with a financial advisor. We’re here to help you learn along the way.

What’s a money lesson you learned growing up that has stayed with you?

09/23/2026

Can you answer these six questions about your finances? 💭

Knowing your numbers can help you make more informed decisions. Start by asking yourself:

• Where is my money going each month?
• What is my net worth - what I own minus what I owe?
• How much should I set aside for emergencies?
• How long will it take to pay off my credit cards?
• How much home can I afford?
• How much might I need to save for retirement?

If you’re unsure about a few answers, that’s a good place to begin.

At Zephyrus Financial Services, our website offers calculators for each of these topics. From our Monthly Budget and Emergency Fund calculators to tools for home affordability and retirement, you can enter your numbers and explore different scenarios.

Visit Tools & Resources → Calculators on our website to try a financial calculator.

https://www.zephyrusfs.com/resource-center/calculators

These tools provide estimates to help you get started. Our team can help you understand how those numbers fit into a financial plan built around your life and goals.

Pick one question today and take the first step toward answering it.

09/15/2026

Could your child or grandchild qualify for a $1,000 contribution toward their future? 💙

Trump Accounts are a new retirement savings option for eligible children. Here’s what families should know:

💵 𝗔 $𝟭,𝟬𝟬𝟬 𝘀𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝗰𝗼𝗻𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻
Eligible U.S. citizen children born January 1, 2025, through December 31, 2028, with a valid Social Security number can receive a one-time federal contribution. Families must elect to participate—it isn’t automatic.

🌱 𝗥𝗼𝗼𝗺 𝘁𝗼 𝗸𝗲𝗲𝗽 𝘀𝗮𝘃𝗶𝗻𝗴
Parents, grandparents, others, and employers can generally contribute a combined $5,000 per year under current rules. The $1,000 federal contribution doesn’t count toward that limit.

📅 𝗔 𝗳𝗼𝗰𝘂𝘀 𝗼𝗻 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲
Withdrawals are generally restricted until January 1 of the year the child turns 18. Traditional IRA withdrawal rules then generally apply, including possible income taxes and early-withdrawal penalties.

Have an older child? They may still qualify for an account, even if they aren’t eligible for the $1,000 federal contribution.

Every family has different goals. Understanding how this option fits alongside your other savings priorities is a good place to start.

Have questions? Send Zephyrus Financial Services a message. Let’s talk about planning for your family’s future.

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.

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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