Zachary Winning, CFA®

Whether you're flipping properties, managing rentals, or operating as a licensed agent or broker, your financial world doesn't fit inside a simple box. I work with real estate professionals to:

• Structure Solo 401(k)s or SEP IRAs.
• Create tax-smart cash flow systems.
• Integrate real estate with long-term retirement planning.
• Plan for income smoothing between deals.
• Explore 1031 exchanges, 721 exchanges, and legacy strategies.

Independent professionals often miss out on retirement planning and tax savings simply because they don't know what's available. I help self-employed consultants, creatives, and side-hustlers:

• Maximize contributions to Solo 401(k)s and Roth options.
• Structure income to reduce self-employment tax.
• Set up backdoor Roth IRAs (when appropriate).
• Plan for quarterly tax payments.
• Turn irregular income into long-term wealth.

Running a business leaves little time for planning your own financial future. I help business owners:

• Separate personal and business finances.
• Build cash reserves and retirement plans.
• Evaluate tax-saving strategies.
• Plan for future exit, succession, or transition.
• Coordinate business planning with estate/legacy goals.

If you've accumulated wealth through equity comp, multiple income sources, or years of diligent saving, I help you:

• Optimize taxes and investment allocations
• Coordinate with CPAs, attorneys, and business partners
• Prepare for major transitions like retirement, sale of a business, or inheritance
• Align your wealth with your long-term goals and values

Many clients come to me with unique situations — not everyone fits into a neat category. If you're looking for thoughtful, personalized guidance around your finances, I'd be glad to connect and see how I can help.

Planning for retirement is more than accumulating assets - it's about creating a sustainable income plan for your next chapter. Whether you're years from retirement or ready to make the transition, we help you:

• Identify and model future income needs.
• Optimize Social Security timing and Medicare considerations.
• Analyze employer-sponsored retirement plans, IRAs, and Roth strategies.
• Create tax-efficient income streams that evolve with your lifestyle.

No two investors are alike - which is why we build customized portfolios grounded in your unique financial goals, time horizon, and risk tolerance. Through Morgan Stanley's global investment platform, we provide:

• Straetgic and Tactical Asset Allocation: We design a long-term asset mix tailored to your goals, risk tolerance, and time horizon -balancing equities, fixed income, alternatives, and cash. Our approach includes tactical shifts based on market trends and economic developments to help capture opportunitiy while managing risk.
• Access to Institutional-Quality Investments: Including separately managed accounts (SMAs) ETFs, and alternative strategies for qualified investors.
• Tax-Efficient Investment Strategies: Using tools like tax-loss harvesting, asset location, and gifting strategies where appropriate.
• Ongoing Portfolio Monitoring & Rebalancing: We adjust portfolios based on changing markets, personal goals, or life events.
• Values-Based Investing Options: Impact investing strategies for clients who want their portfolio aligned with their beleifs.

Your financial strategy goes beyond investments - it includes managing cash flow and credit to support your broader goals. We offer a range of banking and lending solutions that can be tailored to your needs, helping you maintain balance and flexibility:

• Cash Management: Through our Preferred Savings program, you can earn competitive interest on your FDIC-insured cash, providing a simple yet effective way to manage short-term savings while keeping funds accessible.
• Securities Based Lending: A flexible line of credit backed by your portfolio allows you to access liquidity without disrupting your long-term strategy.
• Home and Mortgage Solutions: Whether you're purchasing a home, refinancing, or exploring home equity options, we provide personalized lending solutions to support your next step.

Helping the next generation access education is a priority for many of our clients. We offer guidance on efficient ways to fund K-12 and higher education expenses using:

• 529 College Savings Plans with state tax advantages.
• Custodial Accounts (UTMA/UGMA)
• Trust structures and gifting strategies.
• Education planning as part of multi-generational wealth transfer.

For many clients, wealth is a vehicle for impact. We help you create a giving strategy that reflects your values and maximizes your generosity including:

• Donor-advised funds.
• Charitable remainder trusts.
• Qualified charitable distributions (QCDs) from IRAs.
• Coordinated legacy strategies with your estate planning team.

Based in Beavercreek, Ohio, I proudly service clients across Dayton and the Miami Valley region, as well as individuals and famlies throughout the country. Whether you prefer to meet in person or connect virtually, I provide personalized guidance backed by the full resources of Morgan Stanley's global platform.

Provides a clear and concise overview of current tax brackets, rates, and thresholds helps you make informed decisions about your income, investments, and tax planning strategies.