Zinnia Wealth Advisory provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Zinnia Wealth Advisory reports 512 clients. They include 481 individual clients and 31 high-net-worth individuals. Of its assets, 100.0% ($169M across 1,455 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 94% | 66% |
| High-net-worth individuals | 6% | 34% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 481 | $112M | 66.3% | $233K |
| High-net-worth individuals | 31 | $56.9M | 33.7% | $1.84M |
| Total | 512 | $169M | 100% | $330K |
- Clients
- 481
- Regulatory AUM
- $112M
- AUM share
- 66.3%
- Avg. per client
- $233K
- Clients
- 31
- Regulatory AUM
- $56.9M
- AUM share
- 33.7%
- Avg. per client
- $1.84M
Total
- Clients
- 512
- Regulatory AUM
- $169M
- AUM share
- 100%
- Avg. per client
- $330K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Zinnia Wealth Advisory is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Financial planning is a fixed fee with a maximum of $20,000 a year, or hourly at up to $500 an hour; fees are negotiable.
Charisse Rivers owns 75% or more of Zinnia Wealth Advisory. The leadership team of Zinnia Wealth Advisory includes Chief Compliance Officer Charisse Rivers. It has 11 employees, 2 of them in advisory roles.
Leadership
Charisse RiversManaging Member & Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 11 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 75% or more of Zinnia Wealth Advisory, LLC
Charisse Rivers
Control person · since March 2018
Zinnia Wealth Advisory’s regulatory assets grew from $147M (April 2025) to $169M (August 2026); clients fell from 688 to 512 and employees rose from 10 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $169M | 512 | 11 | 3 |
| April 2025 | $147M | 688 | 10 | 3 |
Besides its headquarters, Zinnia Wealth Advisory has 2 offices, with 3 listed addresses in Florida.
Florida · 3 listed addresses
- 3220 SW 33rd RD, OcalaHQ
- 2610 NW 43rd Street, Gainesville
- 4060 E SR 44 Unit 2a, Wildwood
Other business names
Zinnia Wealth Advisory has reported 1 other business name to the SEC.
- Zinnia Wealth Management
Contact and registration details
- Legal name
- Zinnia Wealth Advisory, LLC
- Headquarters
- 3220 SW 33rd RD, Ocala, FL 34474
- Website
- zinniawealth.com
- Phone
- 352-368-3680
- @zinnia-wealth-management
- SEC file
- 801-132847
- Structure
- Florida LLC
- Fiscal year end
- December
Zinnia Wealth Advisory uses Fidelity ($169M) as custodian for its separately managed accounts. Zinnia Wealth Advisory does not have custody of client assets.
- FidelityFidelity Distributors Company LLC · Smithfield, RI · $169M100%
At year end, Zinnia Wealth Advisory’s separately managed accounts were largely in funds (28%) and stocks (27%). Its reported 13F holdings for the quarter ended 30 June 2026 total $98.1M across 97 positions; the largest are SPDR Series Trust (16.1%), Nvidia Corporation (5.7%) and Invesco Qqq TR (4.6%).
What the accounts hold
- Stocks27%
- Funds28%
- Bonds25%
- Cash24%
Reported 13F holdings
- $98.1M
- Reported 13F value
- 97
- Positions
- 49.3%
- In the 10 largest
- +9.8%
- Value vs. prior quarter
- SPDR Series Trust · ST Str Blo 1 ETF16.1%
- Nvidia Corporation5.7%
- Invesco Qqq TR · Unit Ser 14.6%
- SPDR Series Trust · ST Str P400mid4.1%
- Vanguard Intl Equity Index F · FTSE Europe ETF4.1%
- Ssga Active TR · ST ST SH DU ETF4.0%
- Apple Inc.3.4%
- Vanguard Index Fds · Value ETF2.7%
- SPDR Gold TR · Gold Shs2.4%
- SPDR Index Shs Fds · ST Port Mark ETF2.2%
Together, the ten largest are 49.3% of reported value.
How many clients does Zinnia Wealth Advisory have?
Zinnia Wealth Advisory has 512 clients and manages $169 million for them, as of August 2026. They include 481 individual clients and 31 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 4 August 2026
What services does Zinnia Wealth Advisory offer?
Zinnia Wealth Advisory provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Zinnia Wealth Advisory use?
Zinnia Wealth Advisory’s separately managed account assets are held at Fidelity Distributors Company LLC (Smithfield, RI), with $169M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 4 August 2026
How many financial advisors does Zinnia Wealth Advisory have?
Zinnia Wealth Advisory has 2 investment adviser representatives registered with state securities authorities, out of 11 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Zinnia Wealth Advisory invest in?
At the end of its last fiscal year, Zinnia Wealth Advisory’s separately managed accounts held 28% registered funds (mutual funds, ETFs, BDCs), 27% exchange-traded equities, 25% U.S. government and agency bonds and 24% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Zinnia Wealth Advisory?
Zinnia Wealth Advisory’s direct owner is Charisse Rivers (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 4 August 2026
How does Zinnia Wealth Advisory get paid?
Zinnia Wealth Advisory is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Zinnia Wealth Advisory?
Zinnia Wealth Advisory’s main office is at 3220 SW 33rd RD, Ocala, FL 34474. Its phone number is 352-368-3680. Its website is zinniawealth.com.