Zachary Financial Consultants LLC

Zachary Financial Consultants provides tax, accounting-adjacent, and financial planning services to individuals, trusts, and other legal entities, but its investment advisory offerings are available only to clients who engage the firm for income tax preparation and planning. Services described in the brochure include income tax planning and preparation, trust and estate planning, succession and retirement planning, tax exam representation, and merger-and-acquisition consulting.

The firm uses an extensive client interview process to establish risk tolerance and target asset allocation, and then helps clients select a third‑party wealth manager who has discretion to implement specific investment selections. Zachary Financial does not directly manage client investments or accept custody; it conducts periodic reviews with the selected wealth manager, provides written performance reports and stress‑test analyses, and is compensated by the wealth manager rather than charging clients an asset‑based advisory fee directly.

Notable distinctions include a close integration with an affiliated accounting practice—its principal is also the sole owner of an accounting firm and spends the majority of his time there—and a solicitor arrangement with a wealth manager that channels investment business instead of the firm providing portfolio management in-house. The brochure also discloses that a partner holds a license to sell life and health insurance (including annuities and variable contracts), which adds insurance distribution and tax/accounting services to the firm’s mix of activities.