http://www.gnzfinancial.com GNZ Financial Services was founded in January 1988 by its current owner/president Greg Zott.
After graduating with honors from the University of Michigan in 1977, Greg began his financial services career in January 1979 as a manager with the John Hancock Life Insurance Company. He has been a practicing Financial Planner and Registered Representative since January 1988. Greg is an Investment Advisor Representative of USA Financial Securities, a registered broker/dealer, member FINRA/SIPC,
06/19/2026
Half of execs believe their skills will be obsolete in two years. The chair of the SEC thinks AI will spark a financial crisis. What does such concern or uncertainty mean for your future and your financial strategy?
How Will the Economy React to AI? What do concerns or uncertainty about AI mean for your future and your financial strategy?
Father’s Day is a time to reflect on the lessons that stay with us.
One of the biggest lessons I learned is the power of consistency. Saving and investing over time, even in small amounts, can create meaningful progress through compounding and discipline.
But there’s another side to it as well.
Wealth is not just about building financial resources. It’s also about how you live your life along the way. Time with family, meaningful experiences, and the memories you create are just as important.
A strong plan is not just focused on accumulating wealth. It is designed to support a life that feels fulfilling and aligned with what matters most to you.
True wealth is built by balancing financial discipline with a life well lived.
A simple question can make a big difference.
Are you on track with your finances?
Understanding where you stand today and how it connects to your goals can help you feel more confident about your future. Having that clarity makes it easier to know what steps to take next.
At GNZ Financial, helping people answer that question is a big part of what we do.
Clarity starts with knowing where you are today.
06/16/2026
Marriage changes your financial life. This piece includes keys to preparing to grow wealthy together.
Managing Money as a Couple Keys to preparing to grow wealthy together.
Wedding season is an exciting time, and it’s also a meaningful starting point for financial planning.
One of the biggest challenges couples face over time is communication around money. Different experiences, habits, and perspectives can all come into play, which is why it helps to start conversations early.
Creating a simple framework, whether that’s discussing goals, understanding spending habits, or outlining priorities, can set a strong foundation moving forward. Getting aligned early often makes future decisions feel more structured and less stressful.
For those beginning this new chapter, having a checklist of key financial considerations can be a helpful place to start. Starting with clear communication can help build a stronger financial future together.
When are you taking your Social Security benefits? Considering the timing can help maximize your benefit.
Understanding how your pension works is one of the most important parts of retirement planning.
For State of Michigan employees, the calculation starts with a formula based on your highest consecutive years of salary, your years of service, and a pension factor. That gives you a strong foundation for retirement income.
What often gets overlooked is what happens next. The decisions you make around your pension options can have a significant impact, especially when it comes to survivor benefits. Choosing the right option affects how income continues for your spouse and how other benefits may apply over time.
A well‑thought‑out plan considers both the calculation and the choices that follow. Understanding your pension is not just about the formula. It is about how each decision supports your long‑term goals and your family.
06/09/2026
Wishing you a joyful June!
At GNZ Financial, we hope you’re enjoying the warmth, sunshine, and all that summer has to offer.
Inside this month’s newsletter you’ll find risk management considerations for protecting your portfolio, a summer fun checklist to help you make the most of the season, and a delicious strawberry rhubarb recipe to enjoy with the whole family.
https://www.gnzfinancial.com/newsletter
06/09/2026
What do you need to know when the market experiences volatility?
Pullbacks, Corrections, and Bear Markets When the market experiences volatility, it may be a good time to review these common terms.
Summer is a time to enjoy life, but it does not have to come at the expense of progress.
With more activities, travel, and time with family, it is easy for financial habits to take a back seat. One simple way to stay on track is to continue contributing to your retirement accounts. Even small increases can make a meaningful difference over time.
Gradually increasing your savings, even by one percent each year, can have a powerful long‑term impact. Staying consistent, even during busy seasons, helps keep your plan moving in the right direction.
Small, consistent contributions can lead to meaningful long‑term results.