Financial Planning Services for Pre-Retirees & Business Owners
Retirement planning, investment management, rollovers, and business planning — these are the areas where Zach spends every working day. If you're within a few years of retirement or running a business that needs a smarter financial strategy, here's how we can help.
Services Built Around Your Next Chapter
Zach works with pre-retirees and business owners across Arizona, California, and Colorado on the financial decisions that matter most — retirement income, investments, rollovers, business retirement plans, and key person protection. If you want the fastest path, start with retirement income planning, thoughtful investment management, small business retirement plans, key person insurance, protecting what you've built, or practical retirement planning.
Retirement Income Planning
Your savings need to become a paycheck that doesn't run out. We help you build a withdrawal plan, make smart Social Security timing decisions, and stay on top of required minimum distributions — so you know exactly where your income is coming from every month.
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Thoughtful Investment Management
Your investments should support your plan — not add to your stress. We build and manage diversified portfolios based on your timeline, your goals, and how much market movement you're comfortable with. No chasing trends, no surprises.
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IRA and Rollover Services
Leaving a job or consolidating old retirement accounts? We'll walk you through 401(k)-to-IRA rollovers, Roth conversions, and IRA planning so you understand the tax implications before you move a dollar — not after.
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Key Person Insurance
If your business depends on specific people — including you — key person insurance helps protect against the financial impact of losing them. We help you assess the risk and find coverage that fits your business structure.
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Small Business Retirement Plans
Want to offer benefits that help you keep great employees and build your own retirement at the same time? We help business owners evaluate, set up, and manage 401(k) plans and other structures designed for how your company actually runs.
Learn More →Why Choose a Certified Financial Planner®
A CERTIFIED FINANCIAL PLANNER™ professional is held to a higher standard than most advisors — fiduciary duty, rigorous education, ongoing ethics requirements, and a commitment to putting your interests first. When you work with Zach, you're working with someone who's met that bar and brings it to every conversation. Licensed in Arizona, California, and Colorado, with in-person meetings in Scottsdale and virtual meetings available anywhere across these states. You can also read more about why the CFP® standard matters, continuity and succession planning, and integrated financial strategy.
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Not Sure Where to Start?
Most clients begin with a short intro call — no paperwork, no pressure, no prep needed. Just a conversation about what's on your mind and whether working together makes sense.