PARTNERS
Andrew Starfield, CFBS, ChFC®
Managing Partner
Andy started his career in financial services in 2009 after working in the Small Business Association (SBA) Lending Industry. In 2018, he formed Broad Street Financial, a boutique financial planning firm, with Partners Ken Podell, Scott Warshaw, and Zack Golen. Today he serves as Managing Partner of Broad Street, specializing in Risk and Wealth Management Planning for small business owners.
Andy has a niche national practice specializing in helping SBA lenders and their borrowers secure life and disability insurance quickly and compliantly for their loans. He is dedicated to the SBA Lending Industry where he serves as a committee chair for the National Association of Government Guaranteed Lenders (NAGGL). He has also earned his Chartered Financial Consultant (ChFC) and Certified Family Business (CFBS) designations from the American College of Financial Services.
Outside of work, Andy loves to travel, attend sports events and concerts, and coaching baseball. He lives in Bryn Mawr, PA with his wife Amit, and two sons.
Zachary Golen, AIF®, C(k)P®
Chief Executive Officer
610.766.3016
zgolen@financialguide.com
Zack has specialized in the 401(k) and retirement plan marketplace since 2005, representing business and non-profit organizations. He has focused on serving small- to medium-sized employees’ engagement needs. Zack’s specialty is providing education to plan sponsors and participants, offering an “end-to-end” worksite financial guidance solution that includes marketing, wellness assessments, calendaring, action planning, group session content, participant surveys, and employer reporting.
As Zack has grown in his practice over the last 19 years, he’s worked to stay ahead of the curve to provide his clients with the best services. As an Investment Advisor Representative (IAR), Zack’s primary focus is retirement plans for small and mid-size companies and not-for-profits. IARs have a fiduciary duty to their investment advisory clients, which means they have a fundamental obligation to provide investment advice that always acts in their client’s best interests. Working with institutions across the country, Zack holds licenses for insurance in 14 states and is registered to offer securities in 20 states. In 2020, Zack was named one of Financial Times 401 Top Retirement Advisors (1). The list recognizes the top financial advisors specializing in serving defined contribution (DC) retirement plans across the U.S. and represents an impressive cohort of elite advisors. In 2021, Zack made the NAPA Top Retirement Plan Advisors Under 40 (2) list, and in 2023, he was named a Five Star Wealth Manager (3).
In his quest for continued education and continuing to offer his clients the best level of service, Zack obtained the Accredited Investment Fiduciary (AIF®) and Certified 401(k) Professional (C(k)P®) designations. When he’s not serving the needs of his clients, Zack is hard at work serving his community. From helping his fellow advisors to furthering the growth and development of entrepreneurs to assisting young professionals to find their philanthropic calling, Zack is busy engaging with the members of his community and inspiring others to live their future visions today.
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2020 Financial Times 401 Top Retirement Plan Advisers list, published on 10/22/2020 by Financial Times based on research conducted by Ignites Research, a Financial Times affiliate for period covering 12/31/2016–12/31/2019. The listing is based on data gathered from the financial adviser’s regulatory disclosures, DC plan assets under management, DC plan growth rate, specialization in DC plans, years of experience, advanced industry credentials, and a compliance record. The award is not an endorsement or indicative of future performance of the financial adviser. A fee was not paid for consideration. For more information, visit www.ft.com.
2021 Top Retirement Plan Advisors Under 40 list published on 12/09/2020 by the National Association of Plan Advisors (NAPA), is based on annual nominations provided by NAPA broker-dealer investment adviser members for the period covering 08/01/2020—08/31/2021. Nominees must be retirement plan advisors with their own book of business. Award determinations are based on the experience, practice size and composition, awards and recognition, and industry contributions. The award is not an endorsement or indicative of the future performance of the financial adviser. MML Investors Services, LLC., a MassMutual subsidiary, is a NAPA member firm and pays an annual fee to maintain its membership. MassMutual is not involved in the final selection process. A fee was not paid for consideration. For more information, visit www.napa-net.org.
2023 Five Star Wealth Manager award was issued by Five Star Professional (FSP) on 11/01/2023 for the period covering 02/13/2023—08/31/2023. The award is based on 10 objective criteria. Eligibility criteria-required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review; 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 an endorsement or indicative of the future performance of the wealth manager. A fee was not paid for consideration however a fee is paid for marketing materials. For more information, visit www.fivestarprofessional.com.
Kenneth Podell, ChFC®, CLU®, CLTC®
Financial Planner
Retirement Income Specialist
610.766.3024
kpodell@financialguide.com
Ken has almost 40 years of experience in financial planning. He began his career in 1986 and is passionate about helping his clients improve their situation and add certainty to their income planning. He helps business owners, professionals, and individuals develop and implement plans for retirement security, helping them accumulate and build wealth safely.
Ken has earned the (CLU) Certified Life Underwriter, (ChFC) Chartered Financial Consultant and has his (CLTC) Certified in Long-Term Care designations. Ken has been active in the local community, formerly on the board of the Bala Cynwyd Public Library, Beth Am Israel in Penn Valley, and was past President of the Rotary Club of the Lower Main Line. He has been a member of the National Association of Insurance and Financial Advisors (NAIFA) for over 30 years.
Ken is a graduate of the University of Pennsylvania with an individualized major in American Economic History. In his free time, he enjoys bike riding, attending the theatre, writing, and traveling. He currently resides in Pennsylvania with his wife of 36 years, Jeanne. Together, they have two children, both currently finishing graduate school.
Scott Warshaw, ChFC®, CLU®, MSFS, CFBS
Financial Planner
Investment & Retirement Income Planning Specialist
610.766.3055
swarshaw@financialguide.com
Scott Warshaw took a unique path to a career in financial services. He began his career as a CPA with Coopers and Lybrand but found that something was missing. “When I worked as an accountant, most of my work was reactive rather than focusing on the future. Accountants are trained to make the best of things that have passed. Planners, I learned, focus on the future.”
With that in mind, Scott moved to The Vanguard Group as a Relationship Manager, eventually earning a Master of Science in Financial Services (MSFS). While at Vanguard, he helped companies and their employees maximize the value and usage of the employer’s retirement plan.
In 2005, Scott created a personal financial advisory practice within MassMutual Greater Philadelphia, a general agency of Massachusetts Mutual Life Insurance Company (MassMutual), allowing him to act in his client’s best interest, regardless of product or program. He focuses on holistic financial planning and retirement income and can help protect finances against income loss due to disability and long-term care needs. His clients run the gamut of wealth, age, and profession, but they all have one thing in common: they value a personal relationship with a professional advisor. “Everything starts with a conversation,” notes Scott. “The more conversations I have, the more I learn about a person, and vice versa. When it’s a good match, we both know it. Financial decisions are highly personal and only work when you achieve a customized fit for your needs.” Scott leverages his experience and knowledge to help clients identify tax-saving strategies* for businesses and individuals.
Scott resides in Center City, Philadelphia, with his wife, Jennifer, and Jinxy cat. He is a graduate of Tulane University, and along with his Masters of Science in Financial Services (MSFS) degree from Saint Joseph’s University, he continued to further his education by obtaining the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations. In his leisure time, he and his wife spend much time at the Jersey Shore in the summer. Scott also enjoys traveling, cooking, exercising, and playing pickleball, and well knows the ecstasy (occasional) and agony (frequent) of being an avid fan of all Philadelphia sports teams.
* Neither Broad Street Financial LLC nor its representative provide tax advice. Clients should consult their accountant for such advice.
