The Time To Plan Is Now

The Time To Plan Is Now Mission: Comprehensive financial planning for the special needs family Securities products and advisory services offered through PAS, member FINRA, SIPC.

Ezekiel "Zeke" Zimmerman is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Certified Financial Services LLC is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0J42074. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America, Park Avenue Securities LLC, affiliates an

d/or subsidiaries, and your financial representative are not undertaking to provide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.
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The savings rate is the government’s estimate of how much U.S. households are saving.
06/03/2026

The savings rate is the government’s estimate of how much U.S. households are saving.

What can be learned from the savings rate?

Is your retirement portfolio subject to “sequence of returns” danger?
06/01/2026

Is your retirement portfolio subject to “sequence of returns” danger?

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

Have you heard about the new contribution limits from the IRS? Read about it in our article.
05/29/2026

Have you heard about the new contribution limits from the IRS? Read about it in our article.

A look at the new retirement contribution limits from the IRS.

Consumer interest in annuities has never been higher. So what are annuities and why do so many people want them?
05/27/2026

Consumer interest in annuities has never been higher. So what are annuities and why do so many people want them?

A changing retirement landscape and uncertain economic times are fueling demand for guaranteed retirement income.

During June, Alzheimer’s Awareness Month, remember: up to 40% of Alzheimer’s cases may be prevented or delayed. If Alzhe...
05/25/2026

During June, Alzheimer’s Awareness Month, remember: up to 40% of Alzheimer’s cases may be prevented or delayed. If Alzheimer’s strikes, would you be ready financially? Let’s find out together. Reducing the risk of dementia

Things you can do to reduce the risk of dementia

After you leave work, what will your life look like? Organize your thoughts with the help of this piece.
05/22/2026

After you leave work, what will your life look like? Organize your thoughts with the help of this piece.

What's your vision of retirement?

Check out this video on taxes.
05/20/2026

Check out this video on taxes.

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

FDIC insurance was designed to protect your deposited funds, but do you know how?
05/18/2026

FDIC insurance was designed to protect your deposited funds, but do you know how?

FDIC insurance was designed to protect your deposited funds, but do you know how? This article answers that question.

If your finances have you feeling stressed, these smart money practices can help increase your financial and emotional c...
05/15/2026

If your finances have you feeling stressed, these smart money practices can help increase your financial and emotional confidence.

These eight strategies can help you confidently decrease your financial stress and boost your well-being

Doing some home improvement? There's one item that most homeowners overlook when undertaking remodeling projects.
05/13/2026

Doing some home improvement? There's one item that most homeowners overlook when undertaking remodeling projects.

The item most homeowners forget on their home improvement project checklist is insurance.

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