Andrea Zapf never set out to be a financial planner. She started in accounting—drawn in by numbers, structure, the satisfaction of things adding up. But it didn’t take long for her to notice that something was missing. The ledgers were tidy, the books balanced, but the people? They were silent. No backstory, no voice. Just rows on a spreadsheet. 

Andrea wanted more. She wanted to ask the real questions: What’s keeping you up at night? What dream are you still waiting on? What’s the money for, really? 

So she left the spreadsheets behind and stepped into a new path. First, a credit union—where community mattered. Then a move to a major bank, where she saw how powerful systems could be—but also how often real people were reduced to customers and solutions boiled down to sales. That’s when it hit her: people didn’t need more products. They needed a person they could trust. Someone who’d sit across from them, actually listen, and help them move forward with confidence. 

Today, Andrea is that person. As an Associate Consultant at McInroy & Associates, she's the one clients call when things feel tangled. The one who remembers not just the big goals, but the offhand comment from three Aprils ago about wanting to help a niece through school. She’s there during the hard pivots—health scares, family loss, major transitions—and she’s still there when things even out, making sure the plan still fits. 

Working alongside Adam McInroy, Andrea helps bring clarity to the chaos. Their partnership blends technical depth with empathy. Numbers still matter—Andrea hasn’t stopped loving them—but it’s the people behind those numbers who guide every conversation. Her approach is simple: listen first, explain clearly, and help people find the “why” behind their wealth. 

Because at the end of the day, financial planning isn’t about money. It’s about helping people feel strong enough to live the life they actually want.

Request an appointment