Zack Swad, CFP®, CWS®, BFA™, AWMA®, AAMS®

Retirement Planning for People Age 50+

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Swad Wealth Management Zack Swad, CFP®, CWS®, BFA™, AWMA®, AAMS®
Santa Rosa, California

Serving Clients Nationwide

Retirement Planning for People Age 50+

Areas of Focus

  • Estate Planning
  • Financial Life Planning
  • Investment Management
  • Retirement Planning
  • Taxes

About Me

Hi, I'm Zack Swad, President of Swad Wealth Management and a Certified Financial Planner professional.

Prior to founding Swad Wealth Management, I worked for a Fortune 500 Financial Services company for over 10 years where I served a variety of clients such as small business owners, professionals, and ultra-high net worth families. Surrounded by a wide variety of technical experts, I absorbed a wealth of knowledge, which I use today to craft and manage client plans and portfolios.

I specialize in planning for retirement for people over age 50. I take a unique approach because I believe it is important to truly understand your personal vision (all your hopes, dreams, and goals) and obstacles, and only then do I create a financial plan that is specific to you, so you are empowered to live your best life sooner than most people think is possible.

During our meetings, I will listen intently with empathy, and our meetings will not be rushed.

I’m independent and operate as a fee-only advisor, which means I do not participate in commissions, and I am only paid by you. I am not tied to any products or proprietary strategies. As a fiduciary, I am required by law to act in your best interest.

If needed, I have a network of professionals in their respective insurance, legal, and financial fields.

In my free time, I love to spend time with my wife, Elise. I sing and play guitar or piano. And at night, I enjoy a good movie or TV series. On vacations, I love to travel and see new places and experiences.

Professional Designations

  • Accredited Asset Management Specialist (AAMS)
  • Accredited Wealth Management Advisor (AWMA)
  • Behavioral Financial Advisor (BFA)
  • Certified Wealth Strategist (CWS)


  • Fee Only Network
  • National Association of Personal Financial Advisors
  • XY Planning Network

Primary Location

100 Stony Point Rd Suite 244, Santa Rosa, CA 95401


Meeting Options

  • Video Conference
  • In-Person
  • Phone

Compensation Methods

  • Fee Only
  • One-time Financial Plan
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

This call is designed to answer any questions you may have, discuss our "Prepare for Retirement" process, and to see if we are a good fit. If we both agree to move forward, we'll schedule our Exploration Meeting. If we're not a good fit for each other, I will gladly introduce you to a firm who is better suited to your needs.

Offers Investment Management


About our Firm

Swad Wealth Management specializes in retirement planning for people age 50+. On the surface level, I help people with their financial planning and investment management needs.

But, in a way, retirement planning is kind of dumb. At the least, the way that most advisors do it right now. The idea of waiting until some arbitrary age to pursue your true passions and enjoy life while stopping all meaningful work all at the same time doesn’t really make sense.

That’s why I’m different. I guide people through a process to help them get crystal clear on their vision of their most ideal life. We determine what might get in the way and find solutions to those things. Then, and only then, do I create a financial plan that is specific to them and has those hopes, dreams, and goals as the foundation of their plan. I want a plan that will help impact their lives for the better today while still preparing for tomorrow.

People usually come to me because they feel burnt out at their jobs or business or because they are getting near retirement and are anxious about it, both for financial reasons and personal reasons such as social connections. They’re typically very successful and have grown their wealth and made a lot of good financial decisions. However, they are concerned about making a big change because of the money and because a big change can be quite daunting. At the same time, because their lives are so busy and hectic, they don’t have the bandwidth or energy to figure it all out on their own.

I started Swad Wealth Management because I want people to feel financially confident so they can live their most ideal lives, their “dream retirement” so to speak, sooner rather than later.

I always encourage people to check out my eBook, “15 Retirement Planning Tips for People Age 50+,” which can be downloaded for free on my website:

I started this company after being with a Fortune 500 brokerage firm for the past almost 11 years. Before I left, I managed a practice of around $800 million dollars of assets across about 300 client households.


Indiana University - Kelley School of Business Bachelor of Science, Business; Finance


Hobbies and Interests

  • Family
  • Movies
  • Music
  • Television
  • Traveling

Who We Serve

  • Baby Boomers
  • Business Owners
  • Corporate Executives
  • Couples
  • Gen X
  • Intergenerational Families
  • Living in Retirement

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