John Zinaich CFP®,ChFC®,CLU®, AIF®
Zinaich Capital and Risk Management

Tel: (240) 285-1911
9243 Mountain Meadow Drive
Boonsboro, MD 21713

Commitment, Integrity, Relationships

Zinaich Capital and Risk Management | Financial Advisor in Boonsboro ,MD

About Zinaich Capital and Risk Management

Our mission is to have a positive and inspiring effect upon those we are blessed to serve. As an independent, fee-based, holistic financial planning enterprise, we apply servant leadership with a deep understanding of our private clientele to achieve their dreams. Growing up in WV, just outside of Pittsburgh, PA, I learned quite a bit about the value of strong relationships. Playing team sports through college, and coaching for close to 15 years has also taught me a great deal about working with others. There is no higher compliment than when my current clients help me grow my business by introducing me to their colleagues, family, and friends. I thoroughly enjoy providing the highest quality service and individualized, risk managed, advice to my private client group. The fact that I control the growth of my practice (by working with a select group of clients that I mesh well with in the areas of values, traditions, family focus, and life philosophy) will enable me to never sacrifice my level of service, or contact, with my clients! Please reach out to us and discover how a risk managed approach to financial planning can provide you peace of mind. We look forward to meeting with you!

General Information

Firm Start Year:   2005
No.of Employees:   2-4
Name of Broker/Dealer:   Founders Financial Securities, LLC
States Licensed in:   MD, NY, NJ, DE, PA, WV, VA, WA, MI, FL, KS
Number of Years with Current Firm:   14
I work with the following types of clients:   Individual Investors, Non-Profit Organizations, Businesses


Investment Types:   Bonds, Alternative Investments, Stocks, Exchange Traded Funds (ETFs), Mutual Funds, Insurance, Annuities, Real Estate, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   At your home, At your office, Via phone, Video Conference

Qualifications & Memberships

Insurance and Annuity Licenses:   Disability, Health, Life, Long Term Care, Variable Annuity, Variable Life, Annuity


Registered Representative:   Yes
Investment Advisor Representative:   Yes
I am an acknowledged fiduciary:   Yes
Compliance Disclosures in Last 5 years:   I have a clean record
Criminal Disclosures in Last 5 years:   I have a clean record

Compensation and Fees

Fee Structure:   Fee-Based (Fee and Commissions)
Minimum Portfolio Size for New Managed Accounts:   $250,000
Compensation Methods:   Based on Assets
Fee % Based on Assets:   1%
Hourly Rate:   $250


  • What are your qualifications? What is your education background? I am a Certified Financial Planner®, a Chartered Financial Consultant®, a Chartered Life Underwriter®, and an Accredited Investment Fiduciary®. I have 29 years of experience spread across the investment, insurance, and banking industries. I attended college on both partial academic and athletic scholarships.
  • What is your approach to financial planning? Holistic. While financial planning does involve a process that can be used again and again, each client is unique in many perspectives, and the advice that is given to that client MUST be derived from an approach that revolves around the goals of that individual client.
  • What services do you offer? Risk Managed Financial Planning. Each client's appetite for risk varies, and I believe it to be of the utmost importance that I completely understand your comfort level before making recommendations.
  • Will you be the only person working with me? Yes. However, depending upon the needs of the client, a CPA or Estate Planning Attorney may need to be brought on board. This could also hold true if we encounter an area that I would not consider myself to be well versed. One must know one's limitations.
  • How much risk should I be willing to take? This is our area of specialty, and will vary greatly from client to client. The only way to properly answer such a question, is to become fully engaged in the financial planning process. This allows the planner and client to learn about each other in such a manner as to warrant an informed decision regarding the category of risk.
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Registered Representative with and securities offered through Founders Financial Securities, LLC Member FINRA, SIPC and Registered Investment Advisor

John Zinaich CFP®,ChFC®,CLU®, AIF®

John Zinaich CFP®,ChFC®,CLU®, AIF®


John has been in the Financial Services industry for 29 years, having worked at one of the world's largest insurance companies, one of the world's largest brokerage houses, and a small community bank. This varied experience, when combined with the fact that he is a Certified Financial Planner® certificant, a Chartered Financial Consultant®, a Chartered Life Underwriter®, and an Accredited Investment Fiduciary®, makes him uniquely positioned to provide his clients with the utmost holistic financial planning advice.

He attended Youngstown State University on both partial academic and athletic scholarships, and finished his business degree at Frostburg State University. He resides in Maryland, and has been blessed with a wonderful wife, four incredible children, and three amazing host children!

He has been a member of the Financial Planning Association and The Frederick Estate Planning Council, as well as being a former church Board Member. He has been an avid coach for many years in both basketball and soccer, and believes greatly in the life lessons that young men and women can gain from playing sports--team work, loyalty, patience, hard work, determination, and goal setting. He holds the FINRA sponsored Series 7 and 66 securities licenses, and also holds Life, Health, and Variable licenses in the insurance arena.

Securities and Investment Advisory Services offered through Founders Financial Securities, LLC

Member FINRA , SIPC and Registered Investment Advisor.

Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 5:00 PM