Today's investment climate offers unprecedented opportunities.  Our financial adviser ** will help clients take advantage of those opportunities by providing them with three key tools:

     *  A clear understanding of their financial goals

     *  A well-defined financial plan for achieving those goals

     *  Ongoing advice to help adjust their financial plan when their needs change

Our services cover all areas of financial management, from investment and retirement financial planning to risk management and estate planning.  We specialize in helping our clients develop a comprehensive, cohesive financial plan that fits their unique needs and enables them to meet both short- and long-term objectives.  On our Web site, you'll find valuable information for evaluating your current position and progress toward financial goals.  We offer educational articles that outline financial concepts and highlight products designed to help fill the gaps in your financial plan.  You'll also find calculators that will help you assess your current and future needs. 

Please use our Web site as a resource, and do not hesitate to contact us for additional information or to schedule a meeting. We are conveniently located just off of 675 at the corner of Alex-Bell and 48.  We serve Dayton Ohio,  Beavercreek, Springboro, Middletown, Lebanon, Centerville, Oakwood, Kettering, Brookville, Cincinnati Ohio, and surrounding areas. 
 

Life Insurance

Term Insurance

Fixed & Variable  *  Annuities

Long Term Care Insurance

401(k) Rollover

Lifetime Income

Portfolio Link

Mutual Funds  *

Estate Planning

Financial Planning  **

Financial Adviser  **

Health Insurance


James R. Zent, CLU®, ChFC®, RHU® and Brad Zent are agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, FL, MI, and OH. No insurance business may be conducted outside these states referenced.

*  James R. Zent, CLU®, ChFC®, RHU® and Brad Zent are Registered Representatives and collectively offer securities products & services through NYLIFE Securities LLC Member FINRA/SIPC, a licensed insurance agency. In this regard, this communication is strictly intended for individuals residing in the states of AR, AZ, CA, CO, FL, IN, KY, NC, OH, VA.  No offers may be made or accepted from any resident outside the specific states referenced.

J. R. Zent & Associates, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

**  James R. Zent, CLU®, ChFC®, RHU® Individual is also separately registered as an investment adviser representative under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the states of AR,AZ, CA, CO, Pinellas County, FL, GA, IN, KY, NC, OH, VA, WV. As such, these services are strictly intended for individuals residing in AR, AZ, CA, CO, FL, KY, NC, OH, & VA.

Neither J.R. Zent & Associates LLC, its employees nor NYLIFE Securities LLC or its subsidiaries render tax, legal or accounting advice.  Please consult your professional advisor regarding your particular situation.