Image of Harry Bissinger

Secure Your Financial Future Today with Zenith Financial Services

Provide our clients with the clear and transparent information that aligns with their risk tolerance, goals and dreams for their family.
Harry Bissinger
Author
Speaker
Educator
Advisor

Find security in your financial future.

In a world where financial worries often go unspoken, Harry Bissinger is here to change that. We help you face those fears directly, asking the right questions and creating a personalized plan. We'll help turn uncertainty and fear into a clear path toward financial security.

Common threats that can destroy, derail, and disrupt your quality of life and lifestyle in retirement?

  • Taxes: Unexpected tax liabilities or changes in tax laws can significantly reduce retirement savings and income, impacting financial stability.
  • Economic Volatility: Market fluctuations and economic downturns can affect investment returns, potentially diminishing retirement funds and causing financial insecurity.
  • Aging Health Challenges: As people age, healthcare needs and costs typically increase, including expenses for chronic conditions, long-term care, and other medical services.
  • Family Conflicts: Disputes or the need to support family members financially can create stress and strain retirement resources, disrupting plans and quality of life.
  • Inflation: The rising cost of goods and services over time can erode the purchasing power of fixed retirement incomes, making it harder to maintain the same lifestyle.
  • Longevity: Outliving retirement savings is a significant risk as people live longer, requiring careful planning to help ensure funds last throughout one's lifetime.
  • Personal Challenges: Personal issues such as loss of purpose, mental health struggles, or a lack of social connections can negatively affect overall well-being in retirement.
  • Bad Decisions: Poor financial decisions, such as inadequate planning, risky investments, or overspending, can jeopardize financial security and retirement goals.
My job is to protect you
from these threats

Podcasts

We believe in guiding our clients to a happier lifestyle on the journey to and through retirement. We are excited to share a few podcasts with you, in hopes that it will give you a better understanding of how we can help you get to the "summit of retirement."

Podcasts available on these platforms!
Additional locations of podcasts

Our Team

Image of Harry Bissinger

Harry Bissinger

Owner/Advisor

Professional

After graduating from the University of Connecticut with a degree in Marketing, Harry Bissinger joined the United States Air Force as a Second Lieutenant. He soon found himself in the skies, completing two tours in Vietnam, where he earned two Distinguished Flying Crosses and six Air Medals for Valor in Combat.

When his military service ended, Harry transitioned to a career as a commercial pilot. It wasn’t long before he realized that even well-established industries could face financial uncertainty. After a 4-year layoff due to the industry financial problems, Harry found himself returning to fly for the same company, only to witness further instability due to economic challenges.

Harry decided to take control, and instead of leaving his financial future in the hands of a volatile industry, he educated himself in the financial industry. Although he stayed in the airline industry and retired as a captain with United Airlines in 2006, he worked and obtaining the necessary licenses to help other people through the financial uncertainties in life.

Today, Harry applies that same dedication to his role as a financial advisor. His focus is on building strong, trust-based relationships, ensuring transparency, and prioritizing his clients' best interests. To Harry, being a fiduciary goes beyond legal and ethical obligations—it's about treating clients like family, guiding them through financial uncertainty with the same determination and clarity that has shaped his life.

Personal

Harry has been very fortunate having Jamie, his wife, who has shared their marriage for 50 years!  She has always supported his goals and dreams, through good and bad times.  He really enjoys spending time with his two sons, Chris and Kyle, who he loves skiing with every year all over the Colorado mountains.  His entire family includes two daughters-in-law and five grandchildren who all live within an hours drive from their homes where the boys grew up.  Good fortune comes from a loving family that shares the very good and the very not so good times.  Harry enjoys passing on his never ending, but cautious, optimism.  

Harry R. Bissinger is a man of determination and competitive grit.  Whether on a racquet ball court or ski slope, he brings a high level of intensity and passion to the forefront.

Go Back
Image of Harry Bissinger

Harry Bissinger

Owner/Advisor

Whether on a racquet ball court or ski slope, he brings a high level of intensity and passion to the forefront.

Read Bio
Image of Paul Himmelstein

Paul Himmelstein

IRA Conversion Specialist

Paul Himmelstein, CLU, ChFC, began his career in 1978 with Prudential Insurance Company.  In 1980, he began his own financial planning firm, Himmelstein & Associates, specializing in estate, business, and retirement planning.

From 1994 until 2003, Paul was the Regional Manager for ING and Washington Square Securities (now known as ING Financial Partners) in the state of Connecticut.

Paul holds his Chartered Life Underwriter and Chartered Financial Consultant designations which he earned from the American College of Financial Services.

Paul also has his series 7, series 24, series 63, Life, Health, and Variable Insurance products licensing.

Go Back
Image of Paul Himmelstein

Paul Himmelstein

IRA Conversion Specialist
Read Bio
Image of Jennifer Sutmacz

Jennifer Surmacz

President and Chief Counsel - Posterity Legal Services, LLC

During her years of general practice and litigation, Jennifer found herself drawn to Estate Planning because it gave her the opportunity to help families avoid Probate Court and build generational wealth.  Jennifer founded Posterity Legal Services, LLC in 2020 to focus solely on Estate Planning services.  She is passionate about helping clients understand the legal intricacies of Estate Planning and how to avoid Probate Court - translating complex legal concepts into easy-to-understand options for each client based on their unique circumstances.  

Jennifer was born into a military family and lived in several states before settling in Oklahoma. She graduated from Mustang High School as Valedictorian and a National Merit Scholar. Jennifer earned a Bachelor of Arts in Political Science and a Minor of Arts in Sociology from the University of Oklahoma. She earned her Juris Doctor at Oklahoma City University School of Law.  She currently resides in Saint Louis, Missouri.

Jennifer is licensed to practice law in Missouri, Oklahoma, Nevada, and the Federal District of Maryland. She has experience in Estate Planning, Probate, Contracts, Family law, Federal Civil litigation, and ERISA Federal Class Action litigation. Jennifer also served as a Special Public Defender for Juveniles in Canadian County, Oklahoma and St. Louis and St. Charles counties in Missouri.

Jennifer served terms as 10th Circuit Lieutenant Governor of the American Bar Association LSD, and Vice President of Women’s Law Student Association. She is a member of the American Bar Association, the Phi Alpha Delta legal fraternity, the Oklahoma Association of Justice, the National Association of Professional Women, Lawyers Fighting Hunger, and Gene Slay’s Girls and Boy’s Club. Jennifer is also a black belt and national champion in Tae Kwon Do.

Posterity Legal Services, LLC
34 North Brentwood Boulevard, Suite 200
Saint Louis, Missouri 63105
(833) 399-8585
www.posteritylegal.com

Legal Disclaimer: This website may be considered legal advertising in some jurisdictions. The choice of a lawyer is an important decision and should not be based solely upon advertisements.

Go Back
Image of Jennifer Sutmacz

Jennifer Surmacz

President and Chief Counsel - Posterity Legal Services, LLC
Read Bio

James Jurica

CFP® CLU® CHFC® RICP®

James has worked in the financial services industry his entire professional career starting right out of college. He has a passion for working with clients and helping them achieve their long term financial goals. His main area of focus is on the investment management side of financial planning. James has a focus on risk management and wants to ensure that during the investment process, the focus stays on reducing risk and volatility in clients portfolios while still achieving the returns needed to accomplish the objective of the client.

James has achieved the Certified Financial Planner CFP®, less than 10% of all financial advisors are CFP® and this advanced training and education allows James to provide the highest quality service and value to clients. He has also achieved the Chartered Financial Consultant CHFC®, Chartered Life Underwriter CLU®, and Retirement Income Certified Professional RICP®. These designations have given James more training and insight on a wide variety financial planning areas. James is married to his wonderful wife Abbey and they have a 1 year old son together and enjoy spending time at the lake together.

Advisory services offered by Wealth Watch Advisors, LLC. Wealth Watch is an independent advisory service and not affiliated with Zenith Financial Services nor any of it's affiliates. The company, and its investment adviser representatives, may not accept orders to affect purchase or sale transactions, accept funds, securities, or similar instructions via email or voicemail.

Go Back

James Jurica

CFP® CLU® CHFC® RICP®
Read Bio
Image of Nate Arroyo

Nate Arroyo

Business Development Advisor

Nate is a specialist and expert when it comes to the area of annuity and life insurance products as they relate to safe money strategies. In the past he has worked with many of the nation's leading advisors, which gives him a level of experience and knowledge when it comes to advanced case design, training, product positioning, and service second to none when it comes to a client's financial goals. Nate truly believes that when working with an advisor and their clients, having the proper perspective of the clients' financial goals, and retirement outlook, enables him to help recommend a plan that solves many retirement solutions.

Go Back
Image of Nate Arroyo

Nate Arroyo

Business Development Advisor
Read Bio