Brad Zaiser Country Financial

Brad Zaiser Country Financial I look forward to learning about your needs and helping you and your family achieve financial securi

In our most recent Market & Economic Outlook, the team looks at a period shaped by:➡️ War in the Middle East ➡️ Higher o...
05/28/2026

In our most recent Market & Economic Outlook, the team looks at a period shaped by:
➡️ War in the Middle East
➡️ Higher oil prices
➡️ Changing interest rate expectations
➡️ Market ups and downs.

Even so, the markets have held up better than many might expect.
🔗 Read the full outlook here: https://cfin.us/3RiNfDU

Every small business has its own unique personality, which is why you need custom insurance to protect all you have work...
05/21/2026

Every small business has its own unique personality, which is why you need custom insurance to protect all you have worked to achieve. Do you have the right protection for yours? Here’s what you should ask yourself.

• When was the last time you reviewed your policy with your current insurance carrier?
• If your business was destroyed, would your current insurance be enough to replace all your property, including your inventory?
• Will your current liability limits protect your assets in a lawsuit?
• How are your customers protected against credit card fraud?
• Do you have coverage that protects your customers' property when it's in your care?
• Do your subcontractors have certificates of insurance listing you as an additional insured?
• When was the last time you took a tool and materials inventory? Do you have proper coverage for those items?
• Do you need to protect your business for electronic data breaches?

We handle insurance and financial services for over 45,000 small businesses, and we’ve filled plenty of coverage gaps that help owners get back to doing what they do best – running their business.

Contact me today to learn about how I can help secure your business.

Money conflicts are cited as one of the most stressful conflicts for couples. To help remove some of that burden, we're ...
05/14/2026

Money conflicts are cited as one of the most stressful conflicts for couples. To help remove some of that burden, we're sharing our top marriage finance tips to get you started as you plan your new life.
✅ Budget together
Setting up a budget is the first step to managing money and getting on the same page as a married couple. Here are some questions to start with:
• Are you combining your finances?
• How much debt do the two of you have? How are you paying it off?
• How much can you save each month for rainy days and big purchases?
• Who pays for what and who handles the bills?
✅Consider life insurance
You can’t plan for everything in life, so talk about the tough stuff now. If something happens to you, you want to make sure your spouse can pay the bills.
✅Protect your valuables
Now that you’re rocking new bling on those ring fingers, did you know you can cover them on your home insurance policy?
✅Ask about liability insurance
Your new combined net worth may exceed what’s covered by your home and auto insurance policies.
✅Find a financial advisor
Sitting down with a professional to discuss your financial goals will help you consider long-term plans for your life together.
The sooner you start managing your money in your marriage, the better chance you have of reaching your goals.
Get started today with our budget calculator: http://bit.ly/4lYim2k

Talking to your insurance agent once a year can help you prepare for major life events and unexpected curveballs. Here’s...
05/07/2026

Talking to your insurance agent once a year can help you prepare for major life events and unexpected curveballs. Here’s what to discuss and why it’s important to meet with your agent annually.

❔ What should I discuss with my insurance agent?
When life changes, so do your priorities. In an annual review, talk to your agent about changes in your life, as well as your plans and priorities, to ensure you're protected.

❔ Are there other times I should contact my insurance agent?
Yes! Here are other times when giving your agent a call is worth the time.

1️⃣ Your policy is up for renewal.
Take time to evaluate your needs and your coverage since your last renewal to ensure you’re protected.

2️⃣ You’ve made major lifestyle changes.
Got married, quit smoking or had a baby? These changes can impact your insurance coverage needs.

3️⃣ You bought or received valuable items.
Receiving gifts such as jewelry or buying anything new for your home, like TVs or even artwork, means you might need additional personal property protection.

4️⃣ You’ve updated your home.
Made home or property improvements such as replacing the roof or installing an alarm system? Depending on the upgrade, you may qualify for a home insurance discount.

As an insurance agent, I’m committed to providing you with the best solutions for your needs, so you can experience all that life has to offer.

Give me a call today, and let’s talk!

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today wi...
04/30/2026

Don’t wait until you’re under a severe weather alert to gather supplies and make a safety plan. Start preparing today with these tips.
✔️ Have an emergency plan.
• Decide what your family will do if severe weather is headed your way.
• If you had to evacuate, where would you go? Identify family members or friends who live far enough away for you to get beyond the path of a hurricane, wildfire, or other natural disaster. Tell them you’d like to include them in your emergency evacuation plan and make sure they’re willing to take you in.
• If you have young children, walk through your plan with them, including how they should take shelter in your home.

✔️ Build an emergency preparedness kit. Put together a supply of essentials and safety items in an emergency kit.
Start with the basics:
• Three-to-five-days' supply of bottled water and nonperishable food
• Battery-operated flashlight
• Battery-operated radio and weather radio
• A first-aid kit
• Cell phone charger or battery source for your phone
• Personal hygiene items
• Blankets

✔️ Gather important personal information.
• Make sure you have phone numbers of neighbors, family, friends and utility companies in your phone.
• Keep copies of your insurance and property information in your emergency kit. Many insurers, like us, make this information available through their app. If you’re a client, download our COUNTRY Financial mobile app so these documents are easily accessible.
• Check to see if your healthcare provider offers online resources to store your medical information so it’s easy to access from your phone.
• Keep critical documents, like birth certificates, in a safe or another location you can get to if your home is damaged or destroyed.

✔️ Make sure your home and possessions are covered.
• Create a home inventory with your phone. Save it to the cloud and email a copy to your insurance agent.
• Meet with your insurance agent yearly to review your home insurance policy.
• Check your emergency fund to make sure there’s enough to cover your insurance deductible in case you experience major damage to your home.

How much is life insurance?It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever ...
04/23/2026

How much is life insurance?
It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever thanks to modern tools.

Want to lower your life insurance rate?
✅ Buy early
✅ Practice healthy habits
✅ Consider term life

There’s a plan for every budget. Let’s chat to find the right fit for you—you might be surprised how affordable life insurance really is!
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html

If you’re the parent of a younger child, recent high school grad, or are looking to further your own education, this tho...
04/16/2026

If you’re the parent of a younger child, recent high school grad, or are looking to further your own education, this thought has likely crossed your mind — how exactly am I going to pay for college? One of the most popular options available to you is a 529 college savings plan. Here’s what you need to know:

❇️ What is a 529 plan?

A 529 college savings plan is a state-sponsored plan for the educational benefit of a child or adult that can help you save for college expenses. Each state has their own plan, and you’ll usually get state tax benefits from picking the 529 plan from your home state.

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❇️ Who’s it for?

A 529 plan can be a good choice if your main goal is to use the money for college costs for you or your kids and you want high contribution limits.

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❇️ Who can contribute and how much?

Almost anyone can contribute to a 529 plan — parents, grandparents, friends, corporations, and tax-exempt organizations. The maximum total combined contribution varies by plan, but the limits are usually over $200,000 per beneficiary.

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❇️ What schools can this be used for and what investments are available?

The money in a 529 plan can be used at accredited public or private colleges in any state. Investment choices vary depending on the plan.

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❇️ How will contributions be taxed?

All contributions are made after federal taxes, but contributions qualify for the $19,000 annual federal gift tax exclusion ($38,000 for joint filers).

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❇️ What do I need to know about earnings and withdrawals?

Earnings in a 529 plan grow income-tax deferred. You won’t pay taxes on withdrawals either, as long as they’re used to pay for qualified education expenses like tuition, books, fees, supplies, equipment and reasonable room and board.

Interested in learning if a 529 is right for your needs? Contact me today.

Paying for a child’s college education is a goal for many parents, along with other financial goals like saving for reti...
04/09/2026

Paying for a child’s college education is a goal for many parents, along with other financial goals like saving for retirement and buying a home. When there are so many priorities, it’s hard to know what to tackle first. Here are some things to consider as you make that decision.

Time is the key when saving for retirement: Take this example of Joe vs. Katy.

Katy made saving for retirement a priority. She contributed $4,000 annually to a tax-deferred account earning 8 percent, from age 25-35. She then made no additional contributions, and by age 65, had accumulated over $680,000.

Joe began saving later. He contributed the same $4,000 annually to a tax-deferred account earning 8% but contributed from age 35 all the way to age 65. At that point, he had accumulated just over $532,000.

The difference is time. Katy had the benefit of more years of compounding.

Saving for college can be more challenging because there is less time to save.

People who reach their financial goals rarely do it alone. A financial advisor can help put together a plan for improving your financial wellness and balancing your future goals.

If you’re interested in learning how you should balance saving for college or your own retirement, I can help. Contact me today.

🚨 Severe Weather Isn’t Predictable — Your Response Plan Should BeSeptember is National Preparedness Month. If you’re not...
04/02/2026

🚨 Severe Weather Isn’t Predictable — Your Response Plan Should Be
September is National Preparedness Month. If you’re not ready for severe weather, now’s the time to fix that. Here are 4 strategic steps to help you stay safe and informed:
1️⃣ Know the risks
Traveling for work or vacation? Research local weather threats before you go. Is it hurricane season on the coast? Are tornadoes common in the Midwest? Knowing what to expect helps you plan smarter — like identifying shelter locations or prepping supplies.

2️⃣ Know where to go
Most cities have designated shelters for emergencies. Find them in advance via local websites or city contacts. Don’t wait until the storm hits to figure it out.

3️⃣ Stay connected
Power outages happen. Make sure you have a backup phone charger and a way to reach loved ones and local officials. Staying informed is key to staying safe.

4️⃣ Build your emergency kit before you need it.
Stock up on essentials: food, water, batteries, clothes, and meds for at least 3 days. Don’t forget pets, kids, and elderly family members. Tailor your kit to your household’s needs.

✅ Bonus Tip: Take a quick video inventory of your home. It’s a fast, effective way to simplify insurance claims if disaster strikes. http://bit.ly/4nxbARW
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we're proud we’ve been protecting families and providing insurance to our clients since 1925. Follow us for more tips on ways to protect what matters most to you.

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to he...
03/31/2026

Life insurance provides more protection than you might think. If something ever happens and you are no longer here to help pay for the mortgage, life insurance is a great way to help your family stay in your home. Plus, enhancing your coverage might be more affordable than you expect. Contact me today to discuss your options and feel confident your loved ones have the financial security they need.

Address

121 W 4th Street
Wilton, IA
52778

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

+13196262548

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