Unlocking the Path to Financial Planning Success: Insights from Zacc Call, CFP®

Sep 1

Are you curious about what it really takes to become a successful financial planner? Wondering how industry leaders navigate career pivots, build expertise, and stay ahead in a rapidly changing field? In this exclusive interview, we sit down with Zacc Call, Certified Financial Planner and President at Capita Financial Network, to uncover the realities, challenges, and future of financial planning. Whether you’re considering a career in finance or seeking actionable advice for your own professional journey, this conversation is packed with wisdom you won’t want to miss.

From Architecture Dreams to Financial Planning Leadership

Zacc Call’s journey into financial planning wasn’t a straight line. Originally drawn to engineering and architecture, Zacc’s early career was shaped by a love for math, design, and people. However, after experiencing the volatility and slow financial growth in architecture, a pivotal moment—sparked by a heartfelt conversation with his wife—led him to reconsider his path. “I always assumed I would invent things or make things. I’m a creator at heart. But I realized I needed a career that combined math, design, and people. That’s how I found financial planning.” — Zacc Call

After a stint at an architectural firm, Zacc transitioned to Fidelity Investments, attracted by their tuition reimbursement and training opportunities. There, he discovered the “design” element within finance—strategically helping clients optimize their financial lives. Over eight years, Zacc advanced to a financial consultant role, but the relentless sales pressure and product-driven environment pushed him to seek a more client-focused approach. This led to his partnership at Capita Financial Network, where he could deliver holistic, independent advice. Key Takeaways & Highlights

Complexity, not age, determines when you need a financial advisor.
The CFP® (Certified Financial Planner) credential is the gold standard for personal financial planning.
AI and technology will transform the industry—future advisors must blend human skills with tech proficiency.
The most successful advisors focus on ongoing client relationships, not just sales.
Building foundational knowledge early in your career pays dividends later.

The 4 C’s of Choosing a Financial Advisor Zacc shared a powerful framework for evaluating financial advisors, emphasizing that credentials alone aren’t enough:

Competence: Does the advisor have the expertise to handle your unique financial complexity?
Communication: Can they explain concepts clearly and adapt to your level of understanding?
Care: Do they demonstrate genuine concern for your long-term well-being, not just short-term gains?
Compensation: Are they transparent about how they’re paid and any additional costs?

“Rather than just asking, ‘Are you a fiduciary?’ dig deeper. Ask how they handle ongoing client needs and what they do in years three, four, and five of the relationship.” — Zacc Call

Challenges and Opportunities in Financial Planning Zacc highlighted several industry challenges:

Charismatic but underqualified advisors can thrive, sometimes at clients’ expense.
Many firms restrict advisors to proprietary products, limiting client options.
Sales-driven compensation models can undermine long-term client service.

Yet, he’s optimistic about the future, especially for those who embrace technology and prioritize client relationships. “AI will handle the technical side, but the human element—empathy, communication, and trust—will be more valuable than ever.” — Zacc Call

Sequential Steps in Zacc’s Career Path

Explored interests in math, design, and people through engineering and architecture.
Worked at an architectural firm, gaining exposure to business and finance.
Transitioned to Fidelity Investments for training and tuition reimbursement.
Advanced to a financial consultant role, focusing on holistic planning.
Joined Capita Financial Network to deliver independent, client-centered advice.
Became a thought leader through podcasting, writing, and public speaking.

Actionable Advice for Aspiring Financial Planners

Focus on building broad industry knowledge, not just chasing early income.
Pursue the CFP® credential for credibility and comprehensive expertise.
Embrace technology—AI and automation will be essential tools.
Seek roles that allow you to prioritize client interests over product sales.
Consider starting your own practice; it’s more feasible than ever with today’s tools.
Invest in communication and relationship-building skills.

Resources & Recommendations

Seven Prosperity Projects by Zacc Call – A practical guide for those starting their financial journey.
The Financial Call Podcast – Deep dives into financial planning topics for all experience levels.
Capita Financial Network – For those seeking personalized financial advice or career opportunities.

“My personal mission is superior financial planning to as many households as possible.” — Zacc Call

The Future Belongs to Adaptable, Client-Focused Advisors

Zacc Call’s story is a testament to the power of adaptability, lifelong learning, and putting clients first. As the financial planning industry evolves, those who blend technical savvy with human connection will lead the way. Whether you’re just starting out or looking to level up your career, remember: the best investment you can make is in your own knowledge and relationships. Ready to take the next step in your career? Explore the resources above, connect with industry leaders, and start building your path to success in financial planning today!