Zach Carothers - Financial Advisor

Zach Carothers - Financial Advisor Purpose-driven financial advice for goal-oriented people.

Turn Your Savings into a Tax-Efficient Retirement Income Strategy–Before You RetireAre you concerned about your retireme...
09/14/2026

Turn Your Savings into a Tax-Efficient Retirement Income Strategy–Before You Retire

Are you concerned about your retirement income, taxes, and market volatility?

Learn how to create a coordinated retirement focused on your lifestyle while also prioritizing portfolio stability.

In this free in-person workshop, you’ll learn:
→ Strategies designed to help you turn your savings into a retirement paycheck
→ How to create financial alignment in your retirement strategy
→ The biggest retirement risk (and a plan to avoid it)
→ And more!

*BONUS → All attendees will receive FREE financial planning software access and a complimentary planning checklist.

Can't wait to see you there!

To RSVP:
Call: (208) 983-3027 or
Online: https://www.carothersrockwell.com/plan-your-dream-retirement-seminar

09/05/2026

Asset Allocation vs Asset Location (Tax Allocation) – Know The Difference!�

Asset Allocation is the way you invest your portfolio among asset classes. It focuses specifically on what you own.

Asset Location is the account structure in which those assets are held. Specifically between Taxable, Tax-Deferred, and Tax-Free Accounts

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Create Your Free Retirement Plan:�
https://www.carothersrockwell.com/plan-your-retirement

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Interested in more personalized support?�
Schedule a Retirement Review:�
https://www.carothersrockwell.com/contact

08/24/2026

The Two Phases of Life - Accumulation Phase vs Distribution Phase

When it comes to your portfolio and savings, we have two frames of thinking. We have what we call your “Accumulation Phase” of life. and then we have your “Distribution Phase” of life.

The Accumulation Phase of life is our pre-retirement phase (working years).

And in this phase of life our focus is:
* Saving and investing
* Growth and accumulation
* Possible tax deferral

In this phase of life, we have time on our side and we are willing to ride out market volatility.

Now, when we approach retirement, the switch gets flipped.

We no longer have time on our side. Accumulation is no longer the core focus.

Rather, we now prioritize portfolio stability, income, and diversification.

In this phase of life our focus is:
* Income
* Stability
* Sequence Risk
* Tax Optimization

Is your portfolio composed in such a way to support this phase transition? Reach out today and schedule your strategy call!

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👉 Create Your Free Retirement Plan:�
https://www.carothersrockwell.com/plan-your-retirement

======================

🗓️ Interested in more personalized support?�
👉 Schedule Your Strategy Call�
https://www.carothersrockwell.com/contact

08/21/2026

Here Is How To Approach Your Retirement Withdrawal Strategy

When it comes to your distribution strategy in retirement there is a lot to think about and a lot to consider.

That said, a great starting point starts with the idea that you should focus on creating a dynamic withdrawal (spending) strategy that adjusts to your lifestyle while also prioritizing portfolio stability.

So, how can you get this done?

First you want to start with what we call an “Initial Spending Rate”. This is simply the amount (as a percent) that you plan to withdrawal from your portfolio every year. Now, it is important that this is a sustainable rate based on your current portfolio value and allocation.

Next you will want to create an “Upper Guardrail”. This Upper Guardrail is set so if your portfolio performs well and the current withdrawal rate falls 20% lower than the initial rate, the annual withdrawal amount is increased by 10%. In English, this means when your portfolio performs well, you take out more.

Now, you will do the same but on the other side. You will also want to create a “Lower Guardrail”. The Lower Guardrail is set so if your portfolio underperforms and the withdrawal rate rises 20% higher than the initial rate, the withdrawal amount is cut by 10%. In English, this means when your portfolio performs poorly, you take out less.

If you have questions around your own distribution strategy, reach out today!

======================

👉 Create Your Free Retirement Plan:�
https://www.carothersrockwell.com/plan-your-retirement

======================

🗓️ Interested in more personalized support?�
👉 Schedule Your Strategy Call�
https://www.carothersrockwell.com/contact

08/18/2026

Why Should You Consider A Roth Conversion? Does It Make Sense?

If you are in a position where the majority of your assets are in those qualified retirement accounts, a Roth Conversion could be worth exploring.

The key benefits to a Roth IRA include:
* Tax-Free Income
* No RMDs
* Highly efficient for Estate Planning

Want to learn more? Click the link below and schedule your Strategy Call Today!

======================

👉 Create Your Free Retirement Plan:�https://www.carothersrockwell.com/plan-your-retirement

======================

🗓️ Interested in more personalized support?�
👉 Schedule Your Strategy Call�
https://www.carothersrockwell.com/contact

08/14/2026

Financial Planning - The Key Takeaways

Financial Planning is the roadmap for how you manage your money. It takes into consideration your income, expenses, assets, liabilities, goals, and more.

When executed correctly, financial planning should result in:
* Reduced financial stress
* Family financial alignment
* Confidence to work towards and attain financial goals
* Manage financial pitfalls and inefficiencies
* Assurance in making smart financial decisions.

If you are nearing retirement, facing a major financial decision, or looking for a way to further diversify, a financial plan could be the answer worth exploring.

Use the link below to schedule your review.

======================

👉 Create Your Free Retirement Plan:�
https://www.carothersrockwell.com/plan-your-retirement

======================

🗓️ Interested in more personalized support?�
👉 Schedule a Retirement Review:�
https://www.carothersrockwell.com/contact

07/23/2026

Check this out tomorrow night at Pioneer Park during the concert 🎶 🍋 in Grangeville.

Turn Your Savings into a Tax-Efficient Retirement Income Strategy–Before You RetireAre you concerned about your retireme...
07/07/2026

Turn Your Savings into a Tax-Efficient Retirement Income Strategy–Before You Retire

Are you concerned about your retirement income, taxes, and market volatility?

Learn how to create a coordinated retirement focused on your lifestyle while also prioritizing portfolio stability.

In this free in-person workshop, you’ll learn:
→ Strategies designed to help you turn your savings into a retirement paycheck
→ How to create financial alignment in your retirement strategy
→ The biggest retirement risk (and a plan to avoid it)
→ And more!

*BONUS → All attendees will receive FREE financial planning software access and a complimentary planning checklist.

To RSVP:
Call: (208) 983-3027 or
Visit: https://www.carothersrockwell.com/plan-your-dream-retirement-seminar

Address

106 W Main Street, Ste 2
Grangeville, ID
83530

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+12089833027

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