# Financial Synergies

> Financial Synergies is an SEC-registered investment advisory firm in Houston, TX, registered since 1987, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated June 24, 2026.

- CRD: 105643
- Filed as: FINANCIAL SYNERGIES
- Legal name: Financial Synergies Wealth Advisors, Inc.
- Also doing business as: FINANCIAL SYNERGIES, FINANCIAL SYNERGIES ASSET MANAGEMENT, FINANCIAL SYNERGIES PATHWAY
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Houston, TX
- Filing period: October 2026
- Form ADV filing dated: June 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/105643
- AdvisorCensus page: https://advisorcensus.com/firm/financial-synergies-houston-tx-105643

## Quick answers

**How is Financial Synergies compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Synergies reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees); performance-based fees.

**What does Financial Synergies' brochure say about its fees?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Asset-based fee: 0.75% to 1.5% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Synergies located?**
Financial Synergies' principal office is in Houston, TX, according to its Form ADV; the July 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Financial Synergies registered with the SEC or a state?**
Financial Synergies is an SEC-registered investment advisory firm, registered since 1987. Status as filed: Approved. CRD 105643.

**How much does Financial Synergies manage?**
Financial Synergies reports $1,811,303,915 in regulatory assets under management in its Form ADV filing dated June 24, 2026 (99% discretionary).

**How have Financial Synergies' assets and staff changed since 2021?**
In the Form ADV data for Financial Synergies: Regulatory assets under management: $1,016,206,821 in the October 2021 data and $1,811,303,915 in the October 2026 data, up 78%. Total employees: 13 in October 2021 and 21 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Synergies serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (558); individuals (other than high net worth individuals) (369); corporations or other businesses not listed above (1).

**Which custodians does Financial Synergies use?**
Financial Synergies' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Financial Synergies report any disciplinary disclosures?**
Reports 3 disclosure items on Form ADV Item 11: yes answers to 11.C(2) (SEC or CFTC finding of a violation), 11.C(4) (SEC or CFTC order), and 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/105643

**What changed in Financial Synergies' recent Form ADV filings?**
In the July 2026 filing data: Registered or notice-filed in VA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)
- Performance-based fees

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Asset-based fee: 0.75% to 1.5% a year (a range, as the brochure states it)

> This fee ranges from 0.75% to 1.50%.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,811,303,915
- Discretionary: $1,797,538,179
- Non-discretionary: $13,765,736

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 369 | $153,474,063 |
| High net worth individuals | 558 | $1,644,064,116 |
| Corporations or other businesses not listed above | 1 | $13,765,736 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients

### Firm details
- Registered since: 1987 (39 years)
- Employees: 21 total, 16 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IL, KS, LA, MI, MO, NC, NE, NJ, NM, NV, NY, SC, TN, TX, VA, WY
- Disclosures (Item 11): Reports 3 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.C(2): Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/105643

### Other offices (Schedule D, Section 1.F), as of the July 2026 filing
- Tyler, TX

### Websites listed on Form ADV (Item 1.I)
- financialadvisortylertx.com
- finsyn.com
- Facebook @finsyn
- Instagram @financialsynergies
- LinkedIn @financialsynergies
- X @finsynhouston
- YouTube @FinsynWealthAdvisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,016,206,821 | 13 | August 3, 2021 |
| October 2022 | $1,112,640,025 | 13 | September 28, 2022 |
| October 2023 | $1,091,131,744 | 17 | August 18, 2023 |
| October 2024 | $1,288,237,415 | 17 | September 11, 2024 |
| October 2025 | $1,566,368,236 | 18 | May 12, 2025 |
| October 2026 | $1,811,303,915 | 21 | June 24, 2026 |

Regulatory assets under management: $1,016,206,821 in the October 2021 data and $1,811,303,915 in the October 2026 data, up 78%.
Total employees: 13 in October 2021 and 21 in October 2026.

## Changes in the filing (last 12 months)

### July 2026
- Registered or notice-filed in VA.

### April 2026
- Employees performing advisory functions went from 15 to 16.
- Regulatory assets under management went from $1,566,368,236 to $1,811,303,915 (+16%).
- Updated its list of owners and control persons (Schedule A).

### December 2025
- Registered or notice-filed in WY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Synergies (CRD 105643): Form ADV filing data as of October 2026.