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The zakWEALTHADVISOR Difference

Welcome to Dluzak & Associates, Inc.

We are dedicated to helping our clients achieve their financial independence. Our process provides you with clarity, confidence and freedom in your financial life.

What makes us unique?

Our process involves a personalized goals based approach to your retirement planning

* Commitment to Independent Investment Advice and advisory services through the broker dealer, FSC Securities Corporation providing you with unique Wealth Planning experience through FSC Securities Corporation.

* Trust and experience - one retirement at a time since 1986

* Commitment to education and integrity:

- Certified Financial Planner (CFP) since 1991

- Chartered Life Underwriter (CLU) since 1991

* Providing you with a unique Wealth Planning experience

Client Centered

The Unique Retirement Planning Process...

Part Art ...

We guide you through a discovery process that helps you to clarify your retirement vision

What "captures your heart?"

Part Science ...

We help you to create a personalized wealth plan that "crunches all of your numbers".

We guide you through a six step investment process that matches up your "Art and Science" to forecast if you are on target towards achieving your lifetime goals.

Client Centered

Our Expertise - Income Distribution Planning

The first phase of retirement planning is the accumulation phrase - Creating Your Wealth.

The second phase of retirement planning is the distribution phase - Providing a Lifetime Income Flow, while Conservatively Growing and Preserving Your Wealth.

The third phase of retirement planning is the legacy phase - Passing Your Wealth and Values on to the Next Generation.

Many advisors approach all of these phases with the same strategy. Simply put, we do not. The strategies and results are entirely different.

We follow a risk management approach that provides income, tax efficiency and helps preserve your assets.

Our investment process is more than "buy and hold". Our investment strategies include:

*Strategic (buy and hold)

*Tactical constrained

*Tactical unconstrained

*Absolute return

We invite you to learn more about our unique risk management approach.

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