Olivia Zaiya, JD

Olivia Zaiya, JD, is an advanced planning consultant at Commonwealth Financial Network®, member FINRA/SIPC, an independent broker/dealer–RIA. Since joining our San Diego office in July 2014, she has been providing support to affiliated advisors in all areas of financial planning, including business planning, tax planning, education planning, and executive benefits. Prior to joining Commonwealth, Olivia was a practicing business attorney in Dallas, Texas. She obtained her JD and MBA from Syracuse University, and prior to that, she received her BBA in business economics from the University of San Diego.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

Choosing the Right Financial Planning Software for Your Firm

What You Need to Know About Gift and Estate Taxes

How to Help Younger Clients with Student Loan Debt

Health Care Costs in Retirement: Planning Solutions for Your Clients

5 Steps for Incorporating Health Care Planning into Your Practice

Choosing the Right Financial Planning Software for Your Firm

Posted by Olivia Zaiya, JD

February 8, 2017 at 1:30 PM

There are many options out there when it comes to choosing the right financial planning software for your firm. Should you go with cash flow- or goal-based software? Linear or Monte Carlo calculations? Interactive or traditional reports? Plus, with such a high switching cost in play if you don’t choose correctly, you want to ensure that you find the software that best fits the needs of your practice and your clients the first time around.

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Topics: Financial Planning

What You Need to Know About Gift and Estate Taxes

Posted by Olivia Zaiya, JD

September 7, 2016 at 1:30 PM

Despite the increase in the federal estate tax exemption amount, estate and gift tax management remains an important aspect of planning for your clients. On top of federal taxes, 20 states impose their own estate or inheritance tax. Strategic lifetime gifting can be an effective way to alleviate the estate tax, helping clients pass the maximum amount of money to their beneficiaries—who may eventually need your assistance managing those funds. Strategic gifting can also help clients efficiently transfer appreciating assets, such as the family business, or benefit grandchildren with 529 education plans, while accomplishing estate tax planning goals.

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Topics: Estate Planning

How to Help Younger Clients with Student Loan Debt

Posted by Olivia Zaiya, JD

June 7, 2016 at 10:00 AM

Consider this: The rate at which college tuition costs are rising has outpaced that of health care nearly twofold. The result is a generation of young people left with the giant burden of student loan debt. But as you have undoubtedly developed strategies to help your boomer clients meet the high cost of health care, there is now an opportunity for you to work with the next generation of clients trying to manage their debt while meeting their other financial goals.

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Topics: Education Planning

Health Care Costs in Retirement: Planning Solutions for Your Clients

Posted by Olivia Zaiya, JD

November 4, 2015 at 1:30 PM

Like many individuals approaching retirement, your clients may need help moving from speculation about potential health care costs in retirement to the reality of these expenses. How can you help close this knowledge gap and improve their financial outcomes? You need to be prepared to have meaningful conversations regarding how to plan for these costs, as well as how to reduce them.

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Topics: Retirement Income Planning

5 Steps for Incorporating Health Care Planning into Your Practice

Posted by Olivia Zaiya, JD

November 3, 2015 at 10:00 AM

According to a 2014 Merrill Lynch study, respondents cited health care expenses as their biggest financial concern in retirement. Yet only 15 percent estimated how much money they would need to cover those costs.

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Topics: Retirement Income Planning

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