GNZ Financial

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Troy, MI
GNZ Financial

http://www.gnzfinancial.com GNZ Financial Services was founded in January 1988 by President Greg Zott. Fulton St., Ada, MI 49301.

For more than three decades, Greg has served as a financial planner and Registered Representative, helping hundreds of individuals and families navigate their financial journeys and work toward their retirement goals. His commitment to personalized financial guidance remains at the heart of GNZ Financial Services. Scott Hilliard, CPA, CFP® joined GNZ Financial Services in 2023. With extensive experience in accounting and financial management, Scott brings a comprehensive perspective to financial planning and wealth management. GNZ Financial works closely with clients to develop customized financial plans and provide retirement and investment guidance designed around their individual circumstances, priorities, and goals. This approach focuses on helping clients make informed financial decisions and pursue the retirement and life they envision. Greg Zott and Scott Hilliard are investment advisor representatives of, and advisory services are offered through USA Financial Securities, a registered investment advisor located at 6020 E. Additionally, Greg Zott is a registered representative, and securities are offered through USA Financial Securities, Member FINRA/SIPC. GNZ Financial is not affiliated with USA Financial Securities.

11/03/2026

To make money harder to copy, there have been continual changes to the artwork, paper and ink.

Combating counterfeiting remains core to preserving the integrity of the nation’s money.

11/02/2026

One of the best uses for a raise may be increasing your retirement savings.

As we head toward year-end, it's a great time to review your financial goals and ask yourself: Am I paying myself first?

For many employees, directing a portion of a pay increase toward a 401(k) or 457 plan can be a simple way to strengthen long-term retirement savings without dramatically impacting day-to-day cash flow.

Sometimes small adjustments today can have a meaningful impact down the road.

Have you increased your retirement contributions in the past year?

11/01/2026

Fall is one of my favorite times for tax-efficient planning conversations.

Why?

Because we're close enough to year-end to see where things stand, but there's still time to make meaningful adjustments.

This is a great opportunity to review:
✅ Retirement plan contributions
✅ IRA funding opportunities
✅ Roth conversion considerations
✅ Overall tax-efficient planning strategies

It's also the perfect time to begin thinking about next year and beyond.

The best planning isn't just about reducing taxes today. It's about creating a strategy that supports your long-term financial goals.

Have you completed your year-end financial review yet?

10/30/2026

Not all Medicare decisions are about premiums.

Your doctors, prescriptions, health needs, and even your travel plans can all play an important role when evaluating Medicare coverage.

If you spend part of the year in another state, travel frequently, or have specialists you want to continue seeing, it's worth reviewing how your coverage aligns with your lifestyle.

Medicare Open Enrollment is a great opportunity to revisit those questions and make sure your plan still fits your needs.

For additional Medicare resources and information, visit our website.

10/30/2026

How familiar are you with the Federal Reserve? Here is a quick history.

Here is a quick history of the Federal Reserve and an overview of what it does.

10/28/2026

Healthcare for Kids in Retirement

10/27/2026

The investments you’ve made in your life so far have helped prepare you for the future. We can help, too.

You’ve made investments your whole life. Work with us to help make the most of them.

10/26/2026

Are you making the most of your State of Michigan retirement benefits?

Understanding your pension, retirement savings options, healthcare benefits, and retirement timeline can have a significant impact on your long-term financial future.

That's why we host educational retirement planning webinars specifically for State of Michigan employees.

📌 Visit our website for details on our upcoming webinar and registration information.

Thank you for all that you do serving the State of Michigan.

10/23/2026

Fall is one of my favorite times of the year. 🍂

With two kids in marching band, we're spending plenty of time at football games, enjoying the music, and soaking up the cool fall weather.

What's your favorite thing about fall?

🍂🎶🏈

10/23/2026

Do you know the risk factors that can lead to cognitive decline?

Try these activities to keep your brain sharp.

Address

755 W. Big Beaver Suite 2020
Troy, MI
48084

Website

http://www.gnzfinancial.com/, https://www.gnzfinancial.com/newsletter, https://www.gnzfinancial.com/state-of-michigan-em

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