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

The HSA—A Powerful Retirement Savings Option

The SmartIRA™—An Easy Way to Name a Trust as an IRA Beneficiary

Case Study Series: Unlocking Value in Specialty Assets Through Charitable Giving

Navigating the Net Unrealized Appreciation Tax Strategy

Is a Corporate Trustee Right for Your Clients?

The HSA—A Powerful Retirement Savings Option

Posted by Heather Zack, JD, LLM, CAP

June 19, 2018 at 10:00 AM

Over the past few years, the health savings account (HSA) has increasingly been referred to as an exceptional retirement savings option. But what exactly are HSAs, who is eligible to open them, and what makes them so great? And—most important—how can you, as an advisor, get involved in the HSA business?

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Topics: Retirement Income Planning

The SmartIRA™—An Easy Way to Name a Trust as an IRA Beneficiary

Posted by Heather Zack, JD, LLM, CAP

January 9, 2018 at 10:00 AM

Beneficiary designations are vital in executing a client’s estate plan, and an advisor’s understanding of all the beneficiary options available is equally as important. When a client names his or her spouse or children as beneficiaries of an IRA, most advisors are comfortable with the options those beneficiaries will have when it comes time for them to receive assets and take required minimum distributions (RMDs). Things become far less clear, however, when a client wants to break from the norm and use a more complex beneficiary designation—particularly naming a trust as an IRA beneficiary.

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Topics: Estate Planning

Case Study Series: Unlocking Value in Specialty Assets Through Charitable Giving

Posted by Heather Zack, JD, LLM, CAP

June 27, 2017 at 10:00 AM

Today's post is the third in our case study series, showcasing the many creative solutions you can take when you’ve landed clients with complex planning issues. Here, we’ll explore strategies for unlocking value in specialty assets through charitable giving.

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Topics: Estate Planning

Navigating the Net Unrealized Appreciation Tax Strategy

Posted by Heather Zack, JD, LLM, CAP

February 7, 2017 at 10:00 AM

As an advisor, part of your value proposition is educating your clients on financial planning strategies that they may be unfamiliar with but that could benefit their long-term financial picture. Occasionally, some of these strategies may also be foreign to you! One prime example is the net unrealized appreciation tax strategy (also known as NUA).

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Topics: Financial Planning

Is a Corporate Trustee Right for Your Clients?

Posted by Heather Zack, JD, LLM, CAP

August 24, 2016 at 1:30 PM

Whether planning for continuity after a health crisis, providing for family, managing taxes, or retaining control over assets after death, trust planning is frequently part of working with high-net-worth clients. But every trust is different, and navigating the complex structures can be daunting. If you're looking to simplify the process while also growing your business, you may wonder, is a corporate trustee right for your clients (and your business)?

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Topics: Estate Planning

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