Zack Smith
Hi, I’m Zack. I work with business owners, professionals, and long-term focused investors who want a disciplined approach to wealth building, retirement planning, and portfolio construction.
I bring a background in economics and political science education, and I’m passionate about clear communication and structured planning. I help clients build portfolios with risk-aware processes and integrate modern tools, including cryptocurrency ETFs, when they fit the plan and the client’s goals.
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Macomb, MI
“I help clients turn their retirement and investment goals into a structured, achievable plan by combining clear communication, thoughtful portfolio design, and disciplined risk management.”
Our Team
Steve and Zack work with clients by breaking down complex financial topics into clear, understandable steps—helping them see the full picture, evaluate their options, and make structured decisions through an ongoing, collaborative planning process.
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How can I help?
Retirement Planning
Investment Management
End-to-end investment management focused on tailoring portfolios to each client’s specific circumstances and preferences. Our holistic approach will take into consideration all facets of your situation along with current economic data to optimize your portfolio's risk and return.
Risk Management
Identify and address potential risks to help protect your assets in an ever-changing market landscape.
Alternatives Investing
We actively research alternative investment opportunities and monitor your portfolio investment holdings, bringing together actionable insights and forward-thinking risk assessments.
Get to know Zack
Zack Smith is an Investment Adviser Representative based in Macomb, Michigan with 9 years of wealth management experience. He started his career as a high school teacher specializing in economics and political science, which shaped how he communicates complex topics in a clear, practical way.
Today, Zack works with business owners, professionals, and investors who value structure, long-term thinking, and a risk-aware approach to building wealth. His work often centers on asset allocation, portfolio construction, and retirement planning, including helping clients evaluate regulated digital asset exposure through cryptocurrency ETFs within a diversified portfolio.
Zack’s approach is rooted in education, transparency, and ongoing partnership. He aims to give clients a process they can understand, a plan they can follow, and a portfolio framework designed to adapt as markets and life evolve.
I started off as a high school teacher specializing in economics and political science. My passion and experience in both of these subjects paved my way to eventually becoming a financial advisor.
Asset allocation and portfolio construction, cryptocurrency ETF strategy and digital asset exposure, and retirement and financial planning.
My ideal client is someone who is focused on the long-term outcome and growth of their investments and retirement savings. I often work with business owners, professionals, and investors who want a disciplined planning process.
I focus on tax planning and optimization because they are crucial aspects to consider when managing your finances. By strategizing efficient ways to minimize tax liabilities and maximize savings, my clients can plan for the future. Additionally, I also help clients with retirement planning, Investment management, and cash flow planning because they are essential for maintaining a healthy financial balance.
Strategic wealth building, tactical risk management, and cryptocurrency and digital asset integration when it fits the client’s goals and overall plan.
I use a disciplined, tactical framework that adapts to market environments. In bull markets, I often lean on low-cost, broad-market ETFs to capture efficient upside. In bear markets or higher-volatility periods, I may rotate into leveraged index and sector ETFs when risk-adjusted opportunities present themselves, with structured risk controls in place.
I find the greatest fulfillment in helping clients turn their retirement and investment goals into a structured, achievable plan for lasting financial security.
I value Savvy’s streamlined processes, organized team structure, and supportive culture. Their technology-driven platform creates a more efficient workflow for advisors and a more seamless, engaging experience for clients.
Book a 30-min introductory call with Joshua.
Meet and greet. Get to know each other and learn about the benefits of wealth management through Savvy.
Neither Savvy Wealth, nor Savvy Advisors compensates directly for testimonials or endorsements provided herein, by advisers. However advisors may have an indirect financial incentive to provide testimonials.
