Michael B. Karwic

CFP® AEP® CRPC® CeFT®
Daniel

Helping People Through Any Financial Change

As a kid, Michael remembers looking over his grandfather’s shoulder while he tracked his favorite stocks on a spreadsheet – as Michael monitored each fraction of movement. He eventually discovered the importance of combining sound investing with financial planning to promote one’s future security and retirement, “and I never looked back!”


Today, Michael brings over 25 years of experience to the Zajac Group as a seasoned Certified Financial Transitionist, CeFT®, helping clients with comprehensive planning for all types of significant financial life events. A woodworker and craftsman at heart, Michael uses his knack for building to help clients build robust, sound strategies for monetary transitions such as estate planning, sudden wealth, retirement, and more.


Michael enjoys talking and working with clients closely to help them better navigate their finances to achieve more with their wealth. At Zajac Group, he feels fortunate to work with a group of tax-aware, strategic planners who create specialty solutions to help better clients’ futures. “I found that it is a perfect career for a data-driven number cruncher like me, who happens to also love talking to people and helping them better navigate life’s financial twists and turns.”


In addition to being a CeFT®, Michael is a CERTIFIED FINANCIAL PLANNER™ Professional, a Chartered Retirement Planning Counselor℠, CRPC®, and he also holds an Accredited Estate Planner® certification. He attended Pennsylvania State University, Smeal College of Business, where he earned a bachelor’s and an MBA in finance and marketing. Michael holds insurance licenses for life and fixed annuities, accident and health, and variable life/variable annuities.


In his free time, Michael continues his passion for working with people as a part-time faculty teacher, where he helps experienced financial planners advance to the next level of planning at the Financial Transitionist Institute. There, he teaches planners how to help people navigate some of the most challenging, life-changing events like the loss of a spouse, divorce, transition of a business, and more.


Michael is an active member of his community, involved with the Chester County Community Foundation and dozens of other great causes in the region and beyond. In his personal life, Michael has been “married to a great woman for 29 years with three kids who bring me pride and joy every day.”


When not creating custom financial plans, Michael loves building electronics, wood, resin, and other masonry projects. After retirement, he sees himself continuing to make things and help people. When he’s not teaching or giving back, you can find Michael traveling, golfing, hiking, gardening, mountain biking, or trying something he’s never done before!

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