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Diane Zing
Vice President of Wealth Planning

"Diane takes a holistic approach with financial planning to help her clients best prepare for the financial needs their lifestyle requires"

DIANE ZING

“My goal is to work with my clients to help them build wealth and maximize potential return on investments while minimizing tax consequences. The goal is to be prepared for financial needs all through life, while creating the ability to retire when and how they want, with the lifestyle they expect.”

Diane’s financial planning practice focuses on meeting the needs of multi-generational families and entrepreneurs, with concentration on the financial complexities surrounding their goals for various stages of life. She uses a comprehensive approach and believes in a realistic assessment for today’s complex financial environment. Diane balances her clients’ goals in order to create strategies that maximize efforts to help preserve and sustain wealth to benefit multiple generations, and various philanthropic passions her clients might have.

Diane is an Investment Advisor Representative with Trilogy Capital, Inc., as well as a Vice President of Wealth Planning with Trilogy Financial. Within her first year at Trilogy, Diane was awarded the “Rookie of the Year” status award,1 and the following year, she continued this level of achievement and was awarded the “Rising Star” award.2 Diane has received the Five Star Wealth Manager designation from 2012-2018.3 Diane has been a top over-all producer for her office since joining Trilogy. Prior to joining Trilogy, she spent several years as a successful senior business professional with expertise in account management, revenue & goal plan implementation, and project & team management. Her results positively impact short and long-term objectives.

When not focused on helping her clients, Diane is completely focused on her family. Their home is nestled in the foothills outside of Denver, surrounded by various state parks and national forests. The Zing family are serious sports fans and equally enjoy hiking and camping “just outside their back door” in the Rocky Mountains, where wildlife and wilderness are abundant


1. This award is to recognize the hard work that newer Advisors put in to achieve early success. The following nominees started in the field in the 4th quarter of 2016 or later and have received the most credits in 2017.

2. This award recognizes our “up and coming” stars. The criteria is based on the total issued revenue (GDC) for the past 24 months. They started in the field in the 4th quarter of 2015 or later.

3. Award based on ten objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2012-2018 Five Star Wealth Managers.

Diane's Client Relationships

Diane and her team support a wide variety of clients, but here are some of the groups she has built her practice around.
MEET DIANE'S TEAM MEMBERS 
 
PAUL MOORE
WEALTH ADVISOR
 

SHAWN JAEGER
WEALTH ADVISOR
 

 

Paying taxes is inevitable. The key to being as efficient as possible about how much one pays in taxes requires careful consideration of the big picture. And while many people simply want to know if they can have a tax-free retirement, it really starts with being clear about how and when taxes get paid…and to defining what a “tax-free retirement” actually means. For example, if someone is striving to have income during retirement that is tax-free AT THAT TIME, then there are a plethora of investment and insurance products out there that could help defer taxes on earnings, and potentially, have tax-free withdrawal benefits for some types of accounts. But that doesn’t mean retirement is “tax-free”.
 
Let’s clarify what a few of the most common types of taxes are:
    1. Income Tax – taxation on earned income can occur on many levels; local, state and federal. The amount a person would have to pay varies greatly on their situation. And, there are various types of tax credits that could affect the amount of taxes that would be paid on income. Any earned income that is deferred into a qualified retirement account generally means that taxes on that income won’t get paid at the time it is earned, but when that income is taken at a later date, during retirement, taxes are paid at that time. The idea that paying taxes on income later, when one might be in a lower income tax bracket, might prove more beneficial. But a) there is no guarantee what the tax rates will be in the future, and b) there may be several other factors with a person’s overall taxation that could affect what is perceived as a benefit. A tax professional is the best person to help folks evaluate what kinds of strategies are best for their overall situation. At the end of the day, SOME form of income tax will be paid, either when it is received upon earning, or when it is withdrawn from a qualified plan “down the road” in retirement.

      What can be done to possibly reduce these taxes? Speak to a tax professional about what tax credits might apply, and also review with them if itemized deductions can play a role in reducing taxation.
    2. Sales Tax – taxation occurs on state levels for various goods and services that get purchased. The percentage of taxation is usually based on the price of said goods and/or services. But that percentage charged can vary greatly from state to state, or even within different municipalities. There are a few states that don’t have any sales tax on most goods and services.
    3. Excise Tax – taxation that is applied to specific types of goods; gas, cigarettes, beer, liquor, etc. These are typically nicknamed as “sin products”. Taxes received for these particular products are generally used to help raise money for bringing awareness to the potential dangers of these products.

      What can be done to manage sales and excise tax? Not much. These types of taxes are very hard to “manage”. Changes in lifestyle; consumption of goods that fall within this category, will obviously affect the amount of sales taxes paid.
    4. Property Tax – taxation that is applied to property owned. Taxes received tend to go towards local municipality needs. The amount of property taxes charged is usually based on a percentage of the value of the property.

      What can be done to manage or alleviate property tax? Renting instead of owning might prove beneficial with alleviating property tax. However, there may be tax benefits also lost by being a renter instead of an owner. Again, a tax professional is best for helping to calculate what the tax benefits are for both scenarios.
 
It might not be possible to have a completely tax-free retirement, but by working with a financial professional and a tax professional, the ability to strategize investments and manage how taxation occurs could prove very beneficial. It’s not just about saving and investing…it’s about being as savvy as possible with the decisions along the way.
 

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

 

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