Prosperous Wealth Management

03/19/2026

The power of "what if" can either paralyze you or ignite a passion for change in your career or life. My most significant career pivot came with many questions, and those who knew me were surprised it didn't happen sooner.

Nine years ago, I made the decision to leave a successful career at Sherwin-Williams. I transitioned from selling paint to working in the investments business. The fear of "what if it went wrong?" loomed large, especially as I took a $20,000 pay cut while my wife was pregnant with our third child.

But I chose to focus on "what if things worked out?" Today, I am more fulfilled, rooted in my city, better off economically, and I own my own investment firm. I encourage anyone reading this to consider the possibilities of "what if things worked out" more often. Take action and avoid being stuck in your current situation.

What was your biggest career pivot?

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03/18/2026

Mentors play a crucial role in our personal and professional development. According to Webster's Dictionary, a mentor is someone who provides help and advice to a less experienced individual, often in a professional or academic context. It's important to note that "less experienced" doesn't always mean brand new; there are always individuals ahead of us in various aspects of life, business, and relationships.

I want to take a moment to acknowledge one particular mentor who significantly impacted my life: Labon Koon. He taught me invaluable lessons about hard work, the importance of family, treating others with respect, and the significance of saving. I still remember a conversation we had at a Hardee's drive-through when he told me as a teenager, "If you give 10% to God and save 10% for yourself, everything will work out." This simple yet profound advice shaped my life, family, and career path in ways he may not have realized.

Thank you, Mr. Labon, for your guidance. Who is a mentor in your career path that has shaped you?

03/17/2026

Reflecting on my first job brings back fond memories. I started at Stardust Skate Center, working birthday parties at the age of 15. Here are four main lessons I learned:

1. I discovered my passion for working with people and creating memorable experiences. I'm truly a people person.
2. I was introduced to F**A and quickly learned why a portion of my paycheck was missing.
3. I found fulfillment in saving for things. Earning $5.15 per hour plus tips while only working five hours a week made it a challenge to save for anything significant.
4. While I enjoyed the fun of doing the limbo and dancing in a kangaroo costume, I realized that this was not my career path.

What was your first job, and what lesson did you take away from it?

12/25/2025

Merry Christmas from my family to yours!

11/27/2025

Happy Thanksgiving! It's a time to reflect on all we have to be thankful for, often things we take for granted. Embrace your family, or reach out with a phone call if you can. I am especially grateful for the clients who trust me to serve their families. Enjoy a turkey leg and dressing, knowing you are on my mind!

06/15/2025

Happy Fathers Day to all of the Dads! Also remember to reach out to those father figures in your life!

04/21/2025

Supporting clients in caring for aging spouses or parents is a challenging yet fulfilling aspect of my work. Addressing the sensitive topic of aging loved ones can be emotionally charged. Knowing when to seek assistance and how to cover the associated costs are crucial questions. One of my product partners posed a thought-provoking question: "Who will change your light bulbs?" This question prompts reflection on the practical aspects of aging and the support needed in later years. Have you considered who will take care of the currently simple tasks and how to manage these costs? If you haven't let's have a discussion.

03/10/2025

Just a few points of perspective on the market:

1. At today’s open, the S&P 500 drawdown was over 7%, and the Nasdaq’s was over 11%.

2. Pullbacks of 5–10% are quite common—the S&P 500 averages three per year. Corrections (10–20% drops) are less frequent, but we may be due for one. On average, the S&P 500 experiences one 10% correction per year. The last one occurred in October 2023, when the index fell 10.3% from peak to trough.

3. Since 1980, the S&P 500’s maximum annual drawdown has averaged about 14%. Even in positive years, the average drawdown is still 11%. Simply put, this level of volatility is normal. It’s a reminder of why diversification is important and how downturns create opportunities for long-term investors to buy stocks “on sale” and enhance returns over time.

4. Ultimately, there are two ways to handle down markets: stay the course and not worry, or take advantage of downturns.

—Zach

03/05/2025

Life’s short, but your group chat or family banter about where to eat make it feel endless. Just pick a place. Show up. Laugh too loud. Hug your people. Because one day, the only thing left on the menu will be memories—make them good ones.

01/23/2025

This year, Pensacola, FL experienced a rare event - 9 inches of snow, a once-in-a-century occurrence in this sunny beach destination. Embracing the unusual weather, I decided to take a polar plunge. Why? The simple response: why not? Despite the freezing waters, my plunge brought smiles and laughter, with some calling me crazy. Every day presents unique opportunities - whether it's starting a fitness routine, launching a business, investing, switching careers, or asking someone out. Wherever you stand in life, the key is to initiate action. Take the plunge and seize the moment!

12/25/2024

Merry Christmas! May the time you spend with family and friends be Prosperous!