Wealth Management | CPA-Led Private Wealth Advisory | ZAG Consulting Group
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CPA-Led  ·  Fee-Only Fiduciary  ·  Maryland & Nationwide

Your Retirement,
Guided by a CPA.

A fee-only CPA firm helping Maryland families navigate retirement income, minimize taxes on distributions, and build a legacy that outlasts them — so you never outlive your money.

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Fee-Only
Fiduciary standard
no commissions, ever
Fiduciary Standard
CPA-Led Tax Strategy
Retirement Income Planning
Legacy & Estate Planning
Maryland Estate & Tax Planning
Advisor reviewing financial strategy
Our Philosophy

It's not just what you've saved.
It's how long it lasts.

Most retirees we meet have done everything right — they've saved, invested, and built something real. The risk now isn't growth. It's making a costly mistake with distributions, RMDs, or estate structure that quietly erodes what took decades to build.

As a CPA-led firm, we bring a tax-first lens to every retirement decision — from Social Security timing and RMD strategy to drawdown sequencing and trust structures designed to transfer your wealth on your terms, not the IRS's.

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As a fee-only fiduciary, our only source of compensation is our clients. No commissions. No conflicts. Just strategy.
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The ZAG Framework

Four pillars of
comprehensive wealth.

Wealth is multidimensional. Our framework addresses the structural, tax, and human complexities of significant capital.

Year-round tax-loss harvesting, asset location, and CPA-coordinated planning to maximize net-of-tax returns. For Maryland families, this includes navigating one of the few states with both a state estate tax and an inheritance tax — a planning layer most advisors miss.
Estate governance and trust structures designed for the seamless, tax-efficient transfer of your assets to the next generation — on your terms, not the IRS's.
RMD management, Social Security optimization, and tax-efficient drawdown sequencing — coordinated so your portfolio lasts as long as you do. We model multiple distribution scenarios and stress-test your income plan against real-world risks, including Maryland's dual estate and inheritance tax exposure.
Preparing the next generation through financial education and family mission statements — and serving as the central coordination point across your legal, tax, and insurance teams so everyone is working from the same blueprint.
Fee-only. CPA-led. No conflicts of interest. Built around keeping more of what you've earned.
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Leadership
Vlad Zagranichny, CPA

Vlad Zagranichny

CPA  |  Managing Member & CEO

Vlad Zagranichny is the Founder and CEO of ZAG Consulting Group, with more than 25 years at the intersection of tax strategy, accounting, and private wealth management. A Cum Laude graduate of Loyola College with dual degrees in Accounting and Finance, he brings a CPA's discipline to every investment decision — examining the full tax consequence before any portfolio move is made. Named one of Baltimore's Top Accountants by Baltimore SmartCEO in 2012, his tax-first philosophy has defined this practice for over two decades.

CPA AICPA Member MACPA Member MSATP Member 25+ Years Experience Baltimore's Top Accountants 2012

Check the background of this investment professional on FINRA's BrokerCheck.

Let's Talk About
Your Retirement Plan.

Tell us where you are — we'll show you exactly what a CPA-led retirement strategy looks like for your situation.

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We typically work with families managing $250,000 or more in investable assets.
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ZAG Consulting Group CPA-Led Private Wealth Advisory  ·  Nationwide