Zachary Chryst has been in the financial services industry for over twenty years. He has specialized in working with retirees and business owners throughout his career to help them accomplish their long-term financial goals. Zachary loves to experience the culmination of his investment planning efforts when his clients retire, successfully sell their business, or fund life’s biggest moments like a college education or wedding.

Zachary is a graduate of Salisbury University with a degree in Finance. After graduation, he became a Financial Advisor with Merrill Lynch, where he built his practice before launching SCO Wealth Management in the spring of 2020. Zachary has been named a recipient of the Five Star Wealth Manager* award in 2024. SCO Wealth Management has been recognized on the 2024 Forbes Best-in-State Wealth Management Teams** list.

Outside the office, Zach is very involved in the local community. He and his wife, Nicole, serve on the board of The Sparrow Fund, a nonprofit organization that supports families in foster care and adoption as well as those who provide care for vulnerable children. Some of Zach’s favorite hobbies include spending time outdoors, hunting, and fishing. He is also an avid Baltimore Ravens and Baltimore Orioles fan!

CA Insurance License Number: 0G17502. Resident State MD.

*The Five Star Wealth Manager award was issued on 1/1/24 by Five Star Professional (FSP) for the time period 4/10/2023 through 10/31/23. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 2,149 Baltimore Area wealth managers were considered for the award; 257, 12% percent of candidates were named 2024 Five Star Wealth Managers. Visit www.fivestarprofessional.com.

**2024 Forbes Best-in-State Wealth Management Teams: Awarded January 2024 
Data compiled by SHOOK Research LLC based on the time period from 3/31/22 - 3/31/23 (Source: Forbes.com). The Forbes Best-in-State Wealth Management Teams rating algorithm is based on the previous year's industry experience, interviews, compliance records, assets under management, revenue and other criteria by SHOOK Research, LLC. Investment performance is not a criterion. Self-completed survey was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria.