Hi, I’m Zack Gutches.
Founder
I started True Riches because I saw a huge need for Christian households in their 30's and 40's to have specialized, expert fiduciary financial advice and money education during their high-income earning years - not waiting until after-the-fact in retirement when it's often too late.
Most financial advisors are generalists trying to serve everybody in a world filled with complexity, have high asset minimums, charge an arbitrary % of assets they manage, and don't specialize in seeing the big picture and how everything integrates together for the optimal benefit of the client. True Riches is here to change that.
I am incredibly passionate about helping working households be excellent with their finances, and wisely steward what God has entrusted to each of us. 1 Peter 4:10-11 says “Each of you should use whatever gift you have received to serve others…so that in all things God may be praised through Jesus Christ.”
Financial Planning is the embodiment of that verse for me. God gifted me with an ability, mind, and personality exactly geared towards this vocation, and I am honored to use that gift to SERVE YOU wholeheartedly for Christ's glory.
While values are important, I believe in leading with technical excellence and utmost competency in providing personalized financial guidance specific to Christian households in their 30's and 40's.
Credentials: I am a CERTIFIED FINANCIAL PLANNERTM, the gold standard in financial planning, as well as a licensed CPA. I am also a member of the XY Planning Network, NAPFA, and featured on Fee Only Network and Wealthtender.
Experience: I have a dual-degree in Accounting and Finance, and spent my first 3 years working way too much in accounting consulting at Deloitte (1 of the “Big 4” firms). I then spent the next 5 years as a Lead Financial Planner at one of the largest, fastest-growing independent Registered Investment Advisors in the country, where I served as a Household CFO to ~60 households and led the advisement on $100M+ in assets.
Unfortunately, most firms have large asset ($1M+) or fee ($10k+) minimums, making Household CFO services only available to high net-worth households. True Riches pricing model is uniquely structured so we can offer done-for-you financial planning, investments, and tax preparation to households in accumulation-mode (with or without assets) that would greatly benefit a Household CFO along their life’s journey.
The primary values I commit to in my vocation and personal life are:
- Excellence - In everything I do, I do it wholeheartedly (1 Peter 4:11, Colossians 3:23, 1 Corinthians 10:31), and have been told I’m very detail-oriented 😊
- Authenticity - I won’t pretend to be perfect or something I’m not; all I can be is who God made me to be
- Lifelong Learner - I’m constantly keeping up to date with changes in the law, and enhancing my knowledge and delivery about financial planning strategies, markets, and biblical theology of money
- Radical Transparency - I take the fiduciary-at-all-times oath very seriously and will always act in your best interest, breaking down the Pros and Cons of all recommendations
- Intentionality - I am purpose-driven, and am deliberate to care about YOU not only as a client, but also as a fellow human being and how I can best support you personally
When I’m not reading or talking about financial planning strategies, you’ll find me:
- Spending quality time with my friends and amazing family
- Watching tennis, basketball, or re-runs of The Office, Parks & Rec, or Modern Family while eating my nightly Private Selection® Denali® Extreme Maximum Fudge Moose Tracks® Ice Cream
- Trying different restaurants or cooking a gourmet meal
- Playing cribbage, hearts, euchre, or Settlers of Catan with anybody who likes losing 😉
- Volunteering at church or in my community
- Being ACTIVE! Preferably outside.
