Zach was born and raised in Seattle, Washington and attended the University of Washington Foster School of Business for his undergraduate education. He joined Pacific Capital Resource Group in 2008 and currently serves as Vice President, managing the downtown Seattle branch. Zach holds a number of designations for demonstrating in-depth knowledge of complex planning issues including the Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and CERTIFIED FINANCIAL PLANNERTM Professional (CFP®). He is a “30 under 30: Millennials in the financial and insurance industries” as selected by LifeHealthPRO Magazine. In Seattle Magazine, Zach is a five-time, FIVE STAR Wealth ManagerTM Award Winner (see disclosure here: WA-Disclosure).
Areas of Specialization & Philosophy
Zach’s practice predominantly focuses on serving the needs of affluent business owners through a holistic planning approach that includes tax mitigation, business transition and succession, executive compensation, retirement planning, estate planning, and high net-worth risk management. “Business planning” typically focuses on planning for the employee group through tools such as retirement plans and group benefits; but more often than not, specialized planning for the ownership group is not given the attention it deserves. Many business owners know they eventually need to reap value from the business either along the way or upon eventual sale of the business. Most do not have a plan in place for how best to go about doing this in the most tax efficient manner possible.
Zach works with these business owners focusing primarily on the ability of the owner to extract maximum value from their company through intelligent financial design. Many small business owners spend the majority of time improving the operations side of their company, without ensuring that the financial aspects of things are well structured. This often leaves them exposed to unforeseen risks or leaves them paying more than their fair share in taxes.
With the role of leading Pacific Capital Resource Group’s advanced planning group, Zach’s team focuses on delivering business planning services at the highest tier of knowledge, experience, and service. Comprehensive planning areas include:
- Advanced tax efficient wealth building strategies (your 401k is not going to cut it)
- Executive benefit planning (selecting and rewarding key employees)
- Business transition and estate plan unification
- Risk management & premium finance (have the bank pay your insurance premiums)
- Business valuation & determining what sale value is necessary for retirement
Zach has remained active for over a decade with his collegiate fraternity, Sigma Phi Epsilon, serving in a mentorship role for undergraduates on the alumni board. He is also a member of the Free and Accepted Masons of Washington and the University of Washington Alumni Association. Zach pursues a number of other passions, most notably music production, skiing, reading and writing, cheering on the Seahawks and UW Huskies, and adventuring about the world. He is a proud member of the Fred Hutch Innovator’s Network.
CA Insurance Lic. #0H30520