Zachary Armstrong, CFP®
Vice President, Financial Advisor 


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Services & specialties

  • Retirement Planning

  • Investment Advice

  • Investment Strategy

  • Tax Planning

  • Nursing Care Planning

  • Insurance Planning

  • Health Care Planning

  • Social Security Planning

  • College Savings Planning

  • Cyber Security

  • Estate Planning

  • Legacy Planning

Overall Financial Integrations

Tax Savings Strategies
  • Inheritance protection from “The Secure Act”

  • Roth IRA Conversions

  • Qualified Charitable Distributions

  • Custom investment location across accounts

  • Potential realization of gains at 0 % federal tax

Socially Responsible investing
  • Making sure your investments align with your values

  • “Environmental, Social, and Governance “ evaluation

  • Your ethics and morals can be reflected in your investment

  • Reducing capital gains taxes owed

  • Reducing the taxable portion of interest

  • Position accounts for tax free growth if available

  • Investing for tax friendly inheritance

trust, estate
and legacy planning 
  • Help make sure your estate plan is in order

  • Prevent legal and financial pitfalls

  • Creating strategies to save money on nursing care

  • Maximizing charitable giving strategies

  • Beneficiary Review an coordination

Cyber Security

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Socially Responsible Investing

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Read Zach's Socially Responsible Investing Guide


Zach on the news

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About The Armstrong Team


Zachary Armstrong, CFP®

First Vice President, Financial Advisor


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Zach works with clients on numerous issues including, but not limited to, making investment recommendations, assisting with insurance needs planning, and putting a plan in place for college savings. Zach also spends much of his time specializing in providing personal retirement planning and projections for his clients. Overall, he aims to deliver solutions for all of his clients’ financial planning needs. In addition to his Certified Financial Planner® designation, Zach also holds his Series 7 and 66 licenses as well as Life, Accident, and Health Insurance. He is a graduate of the University of Rochester.

Sara Groschadl

Registered Financial

 Services Associate


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Sara Groschadl joined Sage Rutty as a Compliance Associate in 2018. She worked closely with our Chief Compliance Officer and the advisor teams to effectively manage risk and remain in compliance with various regulatory authorities. She recently made the jump over to the client facing side of Sage Rutty, assisting clients meet their financial goals. Sara earned her Bachelor’s degree in Childhood and Special Education from St. John Fisher College. Her varied experience includes owning and running an equine facility locally as well as a background in Medicare law and appeals.

Lisa Reichart

Financial Services Associate


Lisa joined Sage Rutty & Co. and the Armstrong Team in 2021. She comes to Sage Rutty with 20 years of experience in client focused pay roll services. Her strong customer service skills and work ethic coupled with her can-do attitude make her the perfect addition to Zach's Team. She lives in Webster, NY with her husband and enjoys spending time with her large extended family and friends.

Free Seminars

Education is Important.  Come meet the team, and expand your financial knowledge.


Protecting Your Assets From The Nursing Home

Nursing Home

The average cost of a nursing care stay in Monroe County is approaching $200,000 per year. Without a plan, these costs can quickly drain your hard earned dollars. Join Financial Advisor, Zachary Armstrong, CFP® and Attorney, Stephen Bennet, Esq of Evans Foxx LLP to learn several financial and legal strategies to protect your money and prevent your nest egg from depleting.

Investing for Growth Whle Avoiding Landmines

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Investment markets have been unusually high and interest rates look set to rise. It is now more important than ever to be very selective and careful with your investing as there are some warning signs in the markets. Come learn how you can aim to invest for solid growth while avoiding the more dangerous areas of the stock and bond market.

Tax & Estate Planning for High Net Worth Investors

Signing a Contract

In this workshop, We will explore a number of powerful tax-savings strategies to consider implementing now, including how to grow your portfolio in a tax-efficient way. Join us to learn how to reduce your capital gains tax so you keep more of the money you make. We will also highlight some of the simple changes you can make today to pass more money to your heirs.