Live well now.
Plan wisely for later.
Fee-Only Fiduciary Financial Planner for High-Income Millennials and Families
I help you align your time, health, and money—so you can stop waiting for "someday" and start living the life you actually want today.
Why I left the cockpit
To help you stop waiting for "Someday"
In this short video, Zach shares why he built Outlive Financial Planning to prioritize your time and your health. From a near-death helicopter crash landing aboard a Navy aircraft carrier to studying soil and human health, his path led to one insight: the way we think, spend, save, and invest shapes how we live. If you're ready to align your finances with what actually matters, Outlive was built for you.
You've been told to sacrifice now and live later
But what if later never comes?
Financial Planning That Protects Your Time
You're waiting for "someday" to enjoy your life—until it slips away.
Fee-Only Advice Aligned With Your Purpose
You're drifting from the purpose that once drove you.
High-Income, But Something Still Feels Missing
Looks good on paper, but doesn't feel right inside.
I believe your finances should support your purpose and your future. Because life is too short to delay what matters most.
Your Financial Guide
Meet Zach Rodriguez
Zach grew up watching his mother build a chiropractic practice around prevention, not treatment. Before he was ten, his father beat cancer. And in the cockpit of a Navy helicopter, he survived a near-death mishap that changed how he thought about time, risk, and what actually matters.
Those experiences shaped everything, including a lifelong passion for longevity science, why he left the Navy, why he studied soil science, and why he built a financial planning firm around living well now, not just saving for later. As the founder of Outlive Financial Planning, a Registered Investment Adviser and Series 65 licensee, he is legally qualified to deliver comprehensive investment and financial planning advice. Zach is a member of the Fee-Only Network, affirming his commitment to transparent, client-first service.
Zach Rodriguez
Founder & Lead Planner, Outlive Financial Planning
"My mission is to help you stop outsourcing joy to 'someday'—and start building a life you don't want to retire from."
The Outlive Process
In just three steps
A simple plan for designing your financial life with purpose.
Clarify What Matters Most
Begin with a discovery conversation (or two) to uncover your values, priorities, and long-term vision to help us both get clear on what matters—and whether we’re a good fit to work together.
Organize Your Financial Life
Gather documents & build a financial plan aligned with your life—not just your income.
Start Living Intentionally
Begin making decisions that reflect what matters most—and a relationship that grows as life evolves.
How We Can Work Together
A range of practical, personalized solutions to help you feel confident and clear—whether you're looking for a long-term planning relationship or a one-time check-in.
See My ServicesOngoing Financial Planning
Comprehensive planning for your time, health, and money
Investment Management
Custom portfolios built for transparency,
tax efficiency, and control
One-Time Financial Plans
A one-time plan for self-directed people ready to optimize
Estate Planning
Guide you through the process of
creating a personalized Estate Plan
Advisory Services
Hourly or project-based help for life's big decisions
— from military bonuses to business transitions
Frequently Asked Questions
What is a fee-only fiduciary financial planner and why does it matter?
A fee-only fiduciary financial planner is paid directly by you and is legally required to act in your best interest at all times. That means no commissions, no product sales, no hidden incentives to recommend anything other than what is actually right for your situation. Most financial advisors are held to a lower suitability standard, meaning they only need to recommend products that are suitable for you, not necessarily the best option. Fee-only fiduciaries are held to a higher legal standard. I am. It is the foundation of everything I do at Outlive.
Do I need a financial advisor if I already have a 401k and investments?
Having accounts is not the same as having a plan. Many of my clients come to me with a variety of accounts including 401ks, IRAs, brokerage accounts, custodial accounts, 529 plans, real estate holdings, and even existing wills or trusts. But a comprehensive financial plan goes well beyond account management. It covers whether your insurance actually protects your family, whether your estate documents reflect your wishes, whether your education savings strategy is optimized, whether your tax strategy is proactive rather than reactive, and whether your cash flow is aligned with your goals. Usually these pieces are not working together efficiently and the gap between what people have and what they could have is significant. That is what I help close.
What does financial planning for high-income millennials actually include?
Comprehensive financial planning covers the full spectrum of your financial life: cash flow, tax strategy including Roth conversions, mega backdoor Roth, tax-loss harvesting, and asset location, investment management, insurance and risk management, retirement planning, and estate planning. For high-income millennials I also specialize in equity compensation and RSU planning, education planning including private school and 529s, and building a plan around early financial independence, career pivots, or sabbaticals. The difference from traditional planning is that we also look at how your finances support your health and your time, not just your net worth.
When should I hire a financial planner?
For most of my clients the turning point was their mid-30s. The late 20s felt manageable, but then family grew, income grew, and suddenly the financial picture got complex fast. If you are juggling a growing family, rising income, equity compensation, real estate, and multiple retirement accounts all at once and none of it feels coordinated, that is where I do my best work.
Want to start living with more intention
but not quite ready to book a call?
Take the Outlive Quiz—a 5-minute check-in to help you assess how well your time, health, and money are aligned with the life you actually want.