GNZ Financial

09/09/2026

Understanding your State of Michigan benefits is one of the most important steps in preparing for retirement.

That's why we're excited to host an upcoming educational webinar designed exclusively for State of Michigan employees.

We'll discuss key retirement planning topics, help clarify common areas of confusion, and provide information that can help you make more informed decisions about your future.

We believe knowledge is power, and our goal is to help you better understand the benefits and opportunities available to you.

📌 Registration details are available in the comments below. We hope you'll join us.

Thank you for everything you do for the State of Michigan.

09/08/2026

There are thousands of Exchange Traded Funds available. Should you invest in them?

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09/07/2026

When reviewing your pension, one of the most important decisions involves your spouse’s future.

Many people focus on how much their pension will pay, but the structure of that payout matters just as much. The option you choose determines whether that income continues for your spouse and whether certain benefits remain in place.

For example, a straight life option may provide a higher payment initially, but it may not continue for your spouse if you were to pass on. Other options, like survivor benefits, can provide ongoing income and continued access to important benefits, even though they may reduce the initial payout.

Looking at these tradeoffs in the context of your full plan helps ensure your decision supports both your needs and your family’s long-term security. Pension decisions are not just about income today. They are about protecting what matters long term.

09/04/2026

There are ways to protect your business in the event of your death or the death of a partner.

It may help your business be better prepared in the event of the death of a principal or key employee.

09/04/2026

September is a great time to "sharpen the pencil" on your finances.

As routines return and the kids head back to school, it's the perfect opportunity to take a fresh look at your financial plan.

Start with the basics: Where is your money going each month? Are there areas where you'd like to make progress before year-end?

Whether your goal is paying down debt, increasing retirement savings, or exploring tax-efficient strategies, it all starts with understanding where you are today.

Knowledge is power, and a simple budget review can often be the first step toward meaningful financial progress.

What's one financial goal you'd like to accomplish before the end of the year?

09/02/2026

One of the most expensive retirement planning mistakes can take less than five minutes to fix.

Over the years, we've worked with thousands of State of Michigan employees, and one issue shows up again and again: outdated—or missing—beneficiary designations.

Life changes. Marriage, divorce, children, and other major events can all affect who you've designated on your retirement accounts. The problem is many people assume those decisions were handled years ago and never revisit them.

A quick review today could help avoid unnecessary complications down the road.

When was the last time you reviewed your beneficiaries?

09/01/2026

Do you know how long it may take for your investments to double in value?

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

09/01/2026

One of the most important financial planning tasks often has nothing to do with investments. It's making sure your legacy plan is in place.

When was the last time you reviewed your will, beneficiaries, or other documents?

08/29/2026

Michigan educators—we created this webinar just for you!

Learn more about your retirement benefits and take the next step toward understanding your path to retirement.

08/28/2026

Summer is about making memories. I've loved spending time with family and enjoying a little slower pace before the school year starts back up.

What's been your favorite part of summer?

☀️👨👩👧👦