{"url":"https://nivawealth.com/firms/zynergy-retirement-planning-143861","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/143861","regulatoryAum":173000000,"crd":"143861","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8345630","suffix":null,"lastName":"Bhatt","firstName":"Janhvi","middleName":"Bakul"},{"crd":"7819348","suffix":null,"lastName":"Gallagher","firstName":"Grace","middleName":"Elizabeth"},{"crd":"7767786","suffix":null,"lastName":"PERRI","firstName":"MATTHEW","middleName":null},{"crd":"4937442","suffix":null,"lastName":"SCOTT","firstName":"MARTIN","middleName":"ANTHONY"},{"crd":"7819349","suffix":null,"lastName":"ZACHARCZYK","firstName":"MICHELA","middleName":"MARIE"},{"crd":"4587387","suffix":null,"lastName":"ZACHARCZYK","firstName":"RYAN","middleName":"PATRICK"}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-07-26","regulatoryAum":131013995,"clients":191,"employees":7,"offices":1},{"filedOn":"2025-05-27","regulatoryAum":152167446,"clients":173,"employees":6,"offices":1},{"filedOn":"2026-06-03","regulatoryAum":173000000,"clients":172,"employees":6,"offices":1}],"secFileNumber":"801-129005","legalName":"Zynergy 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Zynergy Retirement Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Zynergy Retirement Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Zynergy Retirement Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Zynergy Retirement Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Zynergy Retirement Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Zynergy Retirement Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Zynergy Retirement Planning?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 3 June 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/zynergy-retirement-planning-143861/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-17","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2031137/000203113726000001/0002031137-26-000001-index.html","totalValue":184432155,"positionCount":26,"top10Share":0.9518240027071201,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":44588162,"shares":59539,"shareType":"SH","priorValue":38877753,"priorShares":59518},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US AGGREGATE B","cusip":"808524839","value":32513355,"shares":1405679,"shareType":"SH","priorValue":30795989,"priorShares":1326270},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}