Heather Zack, JD, LLM, CAP

Heather Zack, JD, LLM, CAP®, is an advanced planning consultant at Commonwealth Financial Network®, member FINRA/SIPC, the nation's largest privately held Registered Investment Adviser–independent broker/dealer. With the firm since June 2011, she is a resource for affiliated advisors on issues involving estate, charitable, tax, and education planning. Heather has a JD from the University of San Diego, with a concentration in corporate and securities law, and a BS in business administration from Endicott College. She earned her LLM in taxation with a focus on estate planning from Boston University, and she is currently pursuing her master’s in financial planning at Bentley University. She also holds her FINRA Series 7, 9, 10, and 63 securities registrations.

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

Recent Posts

Putting Holistic Financial Planning into Practice

How to Add Value with Strategic Charitable Planning

Understanding the Capital Gains Tax: A Case Study

Charitable Giving Solutions: A Guide to Differentiating Your Value

How to Talk About Philanthropy with Your Clients

Putting Holistic Financial Planning into Practice

Posted by Heather Zack, JD, LLM, CAP

July 29, 2020 at 11:00 AM

The world of financial services is constantly evolving. The number of robo-advisors continues to grow, taking a larger share of the market with them. And then there’s the DIY approach to investing preferred by many millennials and Gen Z-ers. With both options costing less than a traditional advisor, how can you evolve while maintaining your competitive advantage? By putting holistic financial planning into practice. But what is holistic financial planning—and where do you begin?

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Topics: Financial Planning

How to Add Value with Strategic Charitable Planning

Posted by Heather Zack, JD, LLM, CAP

December 11, 2019 at 1:30 PM

The holiday season is a time for reflection, when many of your clients will be focusing on how best to execute their goals for charitable giving. And, of course, with December 31 close at hand, they’ll also be highly interested in reducing their tax liability. So, integrating strategic charitable planning into your end-of-year client meetings presents you with an enhanced opportunity to provide valuable guidance. Conversations about how your clients can support organizations they care about while minimizing taxes can give you greater insight into clients’ lives and help you forge deeper, longer-lasting relationships.

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Topics: Financial Planning

Understanding the Capital Gains Tax: A Case Study

Posted by Heather Zack, JD, LLM, CAP

April 24, 2019 at 1:30 PM

Capital gains play an important role in every advisor’s life—you are required to walk the tightrope between creating investment gains for clients and managing those gains in a tax-efficient manner. While you probably know the basics when it comes to understanding the capital gains tax (sale price – basis = capital gain [or loss]), you may not be familiar with the intricacies of the tax or how it interacts with the income tax.

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Topics: Financial Planning

Charitable Giving Solutions: A Guide to Differentiating Your Value

Posted by Heather Zack, JD, LLM, CAP

February 13, 2019 at 1:30 PM

A recent study by U.S. Trust, in partnership with The Philanthropic Initiative, found that more than half of high-net-worth investors believe their advisor should play an important role in their charitable giving efforts. But 61 percent of those investors also say they initiate the conversation, not their advisor. How can you change the dynamic and ensure that you’re actively helping your clients meet philanthropic goals? By expanding your knowledge of the more technical aspects of charitable giving solutions.

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Topics: Estate Planning

How to Talk About Philanthropy with Your Clients

Posted by Heather Zack, JD, LLM, CAP

September 4, 2018 at 10:00 AM

Aristotle said, “To give away money is an easy matter and in any man's power. But to decide to whom to give it and how large and when, and for what purpose and how, is neither in every man's power nor an easy matter.”

This sentiment may be especially true for many of your high-net-worth clients who would like to make a positive impact with their wealth. If so, you have the potential to provide some much-needed guidance—especially if they’re willing to incorporate the philanthropic conversation into their financial planning discussions.

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Topics: Financial Planning

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