John Zinaich

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About John Zinaich:
I am a big believer in the positive effect that athletics can have on youth in order to prepare them for "real world" scenarios. Many qualities can be learned from competition in an athletic arena--discipline, hard work, accountability, goal setting, team work, sacrifice, and sportsmanship are just a few. These qualities, and being blessed to participate in a setting whereby young men and women are given the opportunity to learn the aforementioned qualities are why I have been a coach for the past 10 years in the sports of Basketball, Football, and Soccer. I have been truly blessed with a wonderful wife (also a big believer in the positive impact of athletics) and four incredible children--three boys and a girl--ages 11,10,7, and 5. I attended college on a partial athletic scholarship and partial academic scholarship, my wife attended college on a full athletic scholarship. I grew up in West Virginia, outside of Pittsburgh, and now live in Washington County. As my practice started in the Columbia, MD area, I have many clients all over Maryland, and put 40,000 miles per year on my car visiting them.

About Zinaich Capital and Risk Management:
My firm focuses in the areas of Estate Planning and Charitable Planning, Business Planning (Succession Strategies and Non-Qualified Deferred Compensation for the Owners/Executives), 1031 Real Estate Exchange work, and the Management and Preservation of Wealth. I am a service oriented shop, and consequently, am not a sales organization. I take a holistic approach to financial planning with my clients, and in all cases, will meet with a prospective client on more than one occasion, to make sure that the client is comfortable, and more importantly, understands what thought process I used as a basis for my recommendations. I am not the type of advisor that will tell you what to do. I view my professional relationships as a partnership, and as such, all decisions need to be made together. One of the reasons that my existing clients freely refer me new clients, is because I provide creative solutions that most advisors are not even aware exist.

Services offered by John Zinaich/Zinaich Capital and Risk Management:
1) The Estate Planning services I provide are designed to eliminate the estate tax burden that one may face. 2) The Charitable Planning services that I offer involve creative fund raising for non-profits, as well as planning that can allow a 501(c)(3) to reward and retain its Executive staff. 3) Business planning may involve strategies to help a business owner pass his/her business onto the next generation in the most tax-efficient manner possible, or creating a retirement plan that is only for the business owner/executive and a select group of managers or key people. This planning can exclude the front line employees, unlike a 401(k) or a SEP or SIMPLE plan. This planning is also not subject to any contribution limits, if you want to contribute $1,000,000 (or more) per year into the plan, then you can do so. 4) 1031 Real Estate Exchange work (sometimes called a Starker's exchange) involves selling one piece of property and transferring the proceeds (through an escrow account called a Qualified Intermediary) into another. The main reason clients look into a strategy such as this is that the capital gains taxes and recapture of depreciation are not due at the time of sale, but rather, are deferred until the sale of the second property. If that property is held until death, then a step up in basis occurs, and can potentially free you of all capital gains taxes and recapture of depreciation. 5) The Management and Preservation of Wealth is for those clients that wish to participate in the inflation offsetting properties of the stock market, but wish to do so at a lower risk level than that of the S&P 500 Index. Registered Rep of and securities offered through Founders Financial Securities, LLC Member FINRA, SIPC and Registered Investment Advisor