Our Firm

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Macro Money Concepts

At Macro Money Concepts, we believe in family values and a strong work ethic.  We believe that customer service is the key to a successful business and great relationships. At Macro Money Concepts, we have built our business on the foundation of servicing our community with financial advice and insurance options, carving a pathway towards a secure future. We prioritize the time spent getting to know you- your needs, wants, and goals. And it isn’t until those elements are established that we jump into molding a plan built around a successful retirement life. We place an emphasis on protecting your assets that you’ve worked a lifetime to acquire, and ensuring peace of mind as you prepare for the next season of life.

30 years of experience


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Charles J. Czajka III

Chuck has been in the financial services business for more than 42 years. Originally from Connecticut, Chuck moved to South Florida in 1989. Chuck attended the University of Connecticut and served with the United States Navy.

Chuck is a Certified Financial Fiduciary (CFF), a Certified Estate Planner (CEP), a Registered Financial Consultant (RFC) and a Certified Social Security Claiming Strategist (CSSCS). He has a life and health insurance license and has had his own company since 1989.  He specializes in a “macro-economic” planning process that educates, counsels and guides clients through the maze of financial information to help them reach their maximum financial potential.

Chuck is married to Tami and has two children from his first marriage, Courie and Kellie, and six grandchildren Jared, Vada, Asher, Aria, Kellan and Kannon.


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Tamara Czajka

serving her community

Tami entered the financial services business in 1996 as a lead underwriter in the brokerage arena.  She joined Macro Money Concepts in 2000 when she and Chuck were married.  Her experience in the processing of new business from submission to delivery and then as an Assistant Underwriter, makes her a valuable asset to the company. Tami has also earned the designation of a Certified Financial Fiduciary (CFF), just like her husband. She is currently responsible for client services and the overall operation of the company.

A California native, Tami moved to Florida in 1986. 

Your Financial Journey Begins Here

The Goal

You want to be happy and successful financially. Financial independence is the ultimate goal of money management.

  • Have as much money as possible
  • Minimize taxes
  • Reduce or eliminate risks
  • Cost recovery
  • Wealth preservation

The Problem

We live in a world of complexity and change. A complex society like ours demands many complex money decisions. You are vulnerable to a variety of wealth eroding factors that are in place within our economic system, such as:

  • You lack the time to properly research all aspects of your money decisions.
  • You must deal with numerous financial institutions
  • Government constantly changes tax laws
  • Costs keep rising due to inflationary factors
  • The media contains misinformation such as falsehoods about money
  • Planned obsolescence increases the cost of living
  • Technological change increases the cost of living

The Solution

A Process. The solution to building wealth successfully is not from a financial product, a rate of return, a single strategy, or financial plan. It is a complete economic process.