Zynergy Retirement Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Zynergy Retirement Planning reports 172 clients. They include 120 individual clients and 52 high-net-worth individuals. Of its assets, 100.0% ($173M across 591 accounts) are managed with discretion. It advised 10 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 70% | 37% |
| High-net-worth individuals | 30% | 63% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 120 | $64M | 37.0% | $533K |
| High-net-worth individuals | 52 | $109M | 63.0% | $2.1M |
| Total | 172 | $173M | 100% | $1.01M |
- Clients
- 120
- Regulatory AUM
- $64M
- AUM share
- 37.0%
- Avg. per client
- $533K
- Clients
- 52
- Regulatory AUM
- $109M
- AUM share
- 63.0%
- Avg. per client
- $2.1M
Total
- Clients
- 172
- Regulatory AUM
- $173M
- AUM share
- 100%
- Avg. per client
- $1.01M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 10
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Zynergy Retirement Planning is paid through a percentage of assets under management and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive Retirement Plan
- One-time Comprehensive Retirement Plan is a fixed fee of $7,000.
- Tax Add-On Services
- Small business $200 to $600, rental property $200 each, casualty loss $300, partnership or trust $600, additional state $200 each, admin work $80 an hour.
- Tax Management
- Annual fixed fee of $1,200 for tax preparation, tax payment management, audit defense, CPA access, one rental property and one small business.
Ryan Zacharczyk owns 75% or more of Zynergy Retirement Planning. The leadership team of Zynergy Retirement Planning includes President Ryan Zacharczyk and Chief Compliance Officer Michela Zacharczyk. It has 6 employees, 3 of them in advisory roles.
Leadership
Ryan ZacharczykPresident
Michela ZacharczykChief Compliance Officer
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Zynergy Retirement Planning
Ryan Zacharczyk
Control person · since January 2007
Zynergy Retirement Planning’s regulatory assets grew from $131M (July 2024) to $173M (June 2026); clients fell from 191 to 172 and employees from 7 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| June 2026 | $173M | 172 | 6 | 1 |
| May 2025 | $152M | 173 | 6 | 1 |
| July 2024 | $131M | 191 | 7 | 1 |
Besides its headquarters, Zynergy Retirement Planning has 0 offices, with 1 listed address in New Jersey.
New Jersey · 1 listed address
- 10 NJ-35, Red BankHQ
Other business names
Zynergy Retirement Planning has reported 1 other business name to the SEC.
- Zynergy Retirement Planning
Contact and registration details
- Legal name
- Zynergy Retirement Planning
- Headquarters
- 10 NJ-35, Red Bank, NJ 07701
- Website
- zynergyretirement.com
- Phone
- 732-784-2380
- @zynergy-retirement-planning
- SEC file
- 801-129005
- Structure
- New Jersey LLC
- Fiscal year end
- December
Zynergy Retirement Planning uses Charles Schwab ($174M) as custodian for its separately managed accounts. Zynergy Retirement Planning does not have custody of client assets.
The filed custodian amounts total more than regulatory assets under management. Each amount is shown as filed.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $174M100%
At year end, Zynergy Retirement Planning’s separately managed accounts were mostly in stocks (96%). Its reported 13F holdings for the quarter ended 30 June 2026 total $184M across 26 positions; the largest are iShares TR (24.2%), Schwab Strategic TR (17.6%) and Schwab Strategic TR (13.9%).
What the accounts hold
- Stocks96%
- Exchange-traded equities95%
- Non-exchange-traded equities1%
- Funds2%
- Bonds2%
- Cash1%
Reported 13F holdings
- $184M
- Reported 13F value
- 26
- Positions
- 95.2%
- In the 10 largest
- +11.5%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF24.2%
- Schwab Strategic TR · US Aggregate B17.6%
- Schwab Strategic TR · Intl Eqty ETF13.9%
- Schwab Strategic TR · US Sml Cap ETF11.1%
- Schwab Strategic TR · US REIT ETF10.5%
- Schwab Strategic TR · US Tips ETF6.8%
- Schwab Strategic TR · Sht TM US Tres5.9%
- Schwab Strategic TR · Emrg Mkteq ETF2.3%
- Schwab Strategic TR · US Lcap VA ETF1.8%
- Nvidia Corporation1.0%
Together, the ten largest are 95.2% of reported value.
How many clients does Zynergy Retirement Planning have?
Zynergy Retirement Planning has 172 clients and manages $173 million for them, as of June 2026. They include 120 individual clients and 52 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 June 2026
What services does Zynergy Retirement Planning offer?
Zynergy Retirement Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Zynergy Retirement Planning use?
Zynergy Retirement Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $174M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 June 2026
How many financial advisors does Zynergy Retirement Planning have?
Zynergy Retirement Planning has 3 investment adviser representatives registered with state securities authorities, out of 6 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Zynergy Retirement Planning invest in?
At the end of its last fiscal year, Zynergy Retirement Planning’s separately managed accounts held 95% exchange-traded equities, 2% U.S. government and agency bonds, 2% registered funds (mutual funds, ETFs, BDCs), 1% non-exchange-traded equities and 1% 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 Zynergy Retirement Planning?
Zynergy Retirement Planning’s direct owner is Ryan Zacharczyk (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 3 June 2026
How does Zynergy Retirement Planning get paid?
Zynergy Retirement Planning is paid through a percentage of assets under management and fixed fees. 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 Zynergy Retirement Planning?
Zynergy Retirement Planning’s main office is at 10 NJ-35, Red Bank, NJ 07701. Its phone number is 732-784-2380. Its website is zynergyretirement.com.