Zhach Kelsch - Licensed Financial Coach

Again, a consultations and financial plans are COMPLIMENTARY/CONFIDENTIAL/NO OBLIGATION. I’m paid a commission from the companies I recommend as well as a percentage of assets I manage.

I get to know who they are, what motivates them & what their goals are. Then I take them through a COMPLIMENTARY/CONFIDENTIAL/NO OBLIGATION financial game plan in order to make suitable recommendations for improving their financial situation if possible. If it ain’t broke, I won’t suggest any adjustments!

-15+ years as a self-employed entrepreneur -Licensed Insurance/Annuities Producer in multiple states -Leads of team of 4 other licensed representatives -Bachelor Degree of Business from Penn State University

As a self-employed musician/educator for 15+ years, I did not have the luxury of employer-provided ‘benefits’ plans but as a business major, I knew the importance of budgeting, maintaining proper insurance coverage, & saving/investing for the future. If I wanted anything along those lines, I had to do my own research & set it up myself which ultimately lead me to a fantastic financial advisor. I started as a client in 2014, bought my first home with the money I saved and invested with his guidance & began training with him over the pandemic when the music industry stopped. I grew very passionate about teaching others what he taught me when I saw my investments & net worth continue to grow during a period of such uncertainty.

People of every age, profession, gender, race & religion from all across the country!

I’m excited and inspired every time I save a client on their taxes, debt payments & different types of insurances in order to help them open up funds to save and invest for whatever goal they have in mind. It is also WILDLY fulfilling to train/lead other agents who go out and help clients of their own. I’m looking to create lifelong client relationships but the initial meeting only takes about 90 minutes.

A lot of financial professionals tend to use industry jargon which can intimidate & confuse clients resulting in a plan that might not be ideal for them. I would suggest meeting with at least 3 planners and choosing the one that you feel most comfortable communicating with, the one who takes the time to understand your situation/concerns, has a strategy that is crystal clear & makes mathematical sense to you. Lastly, once you find the right person for you, take action. I see a lot of clients who procrastinate on taking that first step, which costs them in the long run.

When you are sitting with a financial professional, consider their motives when they offer you advice. For example, a credit card/mortgage company wants to loan you money in order to make interest, an insurance agent wants to sell you insurance to make a commission, financial planners are looking to get paid a fee. Be aware of that, make sure you clearly understand what you are paying & the value you will get in return.