Licensed Insurance Agent
Extended Care Planning Specialist
With over two decades in financial services—including 20 years on the carrier side—Zach brings an insider’s perspective to one of retirement’s most critical blind spots: the personal and financial consequences of long-term care.
As a Certified in Long-Term Care (CLTC®) professional with extensive carrier-side leadership experience, Zach has held Regional Vice President and distribution roles with industry titans including AIG, Lincoln Financial Group, Sun Life of Canada, Empower, and Sammons Financial
Group. This rare vantage point from within the insurance industry provides him with
unparalleled insights into product architecture, underwriting realities, and implementation
strategies that most advisors never see.
What Sets Zach Apart:
- Two decades of carrier-side experience – Understanding products from the inside out, not just the sales side
- Personal caregiving experience – Authentic understanding of the emotional and financial devastation extended care inflicts on families
- Author and thought leader – Currently completing his book “The Retirement Blindspot:Smart Strategies for Navigating the Personal and Financial Consequences of Long-Term Care”
- Comprehensive solution expertise – Mastery of traditional long-term care, short-term care, and sophisticated asset-based hybrid strategies
Through his partnership with LTCR Pacific, Zach serves affluent clients ages 40-75 who refuse to leave their retirement security to chance. He also architects tax-advantaged executive benefit solutions for business owners seeking to retain top talent while protecting their intellectual capital. Zach’s approach transcends typical product sales—he delivers strategic counsel rooted in real-world industry knowledge and personal experience with the very challenges his clients seek to avoid.