ZiVae Retirement Services

02/16/2026

We help you navigate the complexities of important financial decisions. Comment HELP to learn more.

02/14/2026

Retirement readiness isn’t about an age on a calendar 🗓️
It’s about income continuing—even when work doesn’t 🔁

🧩 That’s the real question:
➡️ Does money still come in if you don’t clock in?

🔍 Start with awareness (not decisions):
💼 What income streams exist today?
📊 Which ones rely on your time?
⏳ Which ones could continue without you working?

🧠 This is education only—not advice, not recommendations.
Just an invitation to look at the full picture before life forces you to.

✨ Retirement readiness = options, not pressure
✨ Knowledge before action
✨ Peace of mind over panic

02/13/2026

🎂🚫 **RETIREMENT IS NOT AN AGE**

It’s not 62
It’s not 65
It’s not your birthday 🎈

💡 You retire when **income > expenses**
Not when the calendar says so 🗓️

📊 Shift the way you think:
🧮 Stop counting years
💵 Start counting **monthly income**

Ask better questions 👇
➡️ “How much comes in every month?”
➡️ “What does my lifestyle actually cost?”

🧠 When income consistently covers expenses…
✨ That’s freedom
✨ That’s flexibility
✨ That’s retirement (in real life)

📚 **Educational content only**
❌ No plan recommendations
❌ No product advice

Just perspective.
Just math.
Just truth.

🧠 💰 📚 📆

02/12/2026

📊 Zivae Financial Post Copy (Original + Branded)

Wealth doesn’t automatically equal generosity.
And this chart proves it.

America’s wealthiest individuals have hundreds of billions in net worth—
yet for many, less than 3% has been given away over a lifetime.

Let that sink in.

Meanwhile, one standout shows us a different model:

📈 ~32% of net worth donated

🧠 Long-term planning

🧬 Legacy over lifestyle

💡 Zivae Insight:
True wealth isn’t just what you accumulate—it’s how intentionally you allocate it.

Most families don’t need billions to leave a legacy.
They need:
✔️ A plan
✔️ Tax efficiency
✔️ Purpose behind every dollar

Because money without direction doesn’t change lives.
It just changes zip codes.

—
Zivae Financial
Clarity. Strategy. Legacy.

02/11/2026

Saving for retirement doesn’t have to be complicated.
It just has to be intentional.

Here are four simple principles we walk clients through every day at Zivae Financial:

• Diversify where your money lives
• Use catch-up contributions if you’re 50+
• Start early—or start now
• Save with purpose, not pressure

Retirement isn’t about perfection.
It’s about creating choices your future self will thank you for.

📩 Ready for a plan that fits your life?
Let’s talk.

—
Zivae Financial
Clarity. Strategy. Legacy.

02/10/2026

Need help with retirement planning, we are here to help! #🫢

https://www.facebook.com/share/p/1WoZjBBxNC/?mibextid=wwXIfr

The average American worker has less than $1,000 saved for retirement, underscoring the financial strain millions could face in old age, according to a new report from the National Institute on Retirement Security.

That figure factors in workers with 401(k) and other retirement plan savings, while also including the roughly 56 million U.S. workers who lack access to an employer-sponsored retirement plan. Median savings for all employed adults between the ages of 21 and 64 amounted to $955, the nonpartisan think tank found, tapping data from the U.S. Census Bureau's Survey of Income and Program Participation.

For workers who do have retirement savings, the median balance stands at $40,000, the group found — a far cry from the roughly $1.5 million that Americans say they need to retire comfortably. https://www.cbsnews.com/news/retirement-social-security-savings-us-workers/?ftag=CNM-00-10aab7e&linkId=903701236

06/04/2025

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You don’t need to be rich to protect what you’ve worked for. Setting up a trust through your bank can preserve your legacy, minimize taxes, and prevent family drama.

Here’s how to do it — without a lawyer’s bill eating your lunch. 🧵👇

You don’t have to be wealthy to think like you are.

A bank trust account is one of the most overlooked tools for everyday people to build generational wealth — and keep peace at the family cookout. 🍗📜 FREEDOM

05/25/2025

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🛑 Social Security might become your next tax trap.

A new proposal could raise taxes for retirees while eliminating them for the wealthy.

This isn’t a drill.

⚠️ If you’re over 50 and don’t have a tax-efficient retirement plan in place, you’re gambling with your future.

📲 Let’s fix that before Washington touches your money.

✅ DON’T WAIT:

📞 Book a free Retirement Risk Review with Zivae Financial.
✅ We’ll show you how to protect your Social Security, reduce taxes, and build a plan Washington can’t mess with.

🗓️ Schedule your free call now → Type READY in the comments to learn more.

05/17/2025

Follow ☀️| Like ☀️| Subscribe ☀️….no caption needed!! ❤️

05/16/2025

Follow ⭐️| Like ⭐️| Share ⭐️to protect someone’s future

Financial abuse is the most underreported crime among seniors.

And the scariest part? It usually comes from someone they love.

If you have elderly clients or family members, now’s the time to:
Add trusted contacts

Do routine financial check-ins

Educate them on the signs of manipulation

Don’t wait until the money is gone to ask questions.

Prevention is protection.

DM me if you need a checklist or want help reviewing accounts.

05/14/2025

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Your Wealth Mindset Recap 💼🔥
1. Vision Like a Mogul – Set the GPS
2. Money = Math – Emotion-free action
3. Failure-Proof Focus – Build belief, block distractions
CTA:
Ready to apply this mindset and multiply your income streams?
Follow .income.mastery + Grab my FREE Income Planning Cheat Sheet in bio!