# Zinnia Wealth Advisory, LLC

> Zinnia Wealth Advisory, LLC is an SEC-registered investment advisory firm in Ocala, FL, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 4, 2026.

- CRD: 295122
- Filed as: ZINNIA WEALTH ADVISORY, LLC
- Also doing business as: ZINNIA WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ocala, FL
- Filing period: October 2026
- Form ADV filing dated: August 4, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/295122
- AdvisorCensus page: https://advisorcensus.com/firm/zinnia-wealth-advisory-llc-ocala-fl-295122

## Quick answers

**How is Zinnia Wealth Advisory, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Zinnia Wealth Advisory, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**How much does Zinnia Wealth Advisory, LLC charge?**
Its Form ADV Part 2A brochure dated August 4, 2026 states: Hourly rate: $500 an hour (financial planning services); Flat fee: $20,000 a year (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Zinnia Wealth Advisory, LLC located?**
Zinnia Wealth Advisory, LLC's principal office is in Ocala, FL, according to its Form ADV; the September 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Zinnia Wealth Advisory, LLC registered with the SEC or a state?**
Zinnia Wealth Advisory, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 295122.

**How much does Zinnia Wealth Advisory, LLC manage?**
Zinnia Wealth Advisory, LLC reports $168,819,527 in regulatory assets under management in its Form ADV filing dated August 4, 2026 (100% discretionary).

**How have Zinnia Wealth Advisory, LLC's assets and staff changed since 2025?**
In the Form ADV data for Zinnia Wealth Advisory, LLC: Regulatory assets under management: $146,615,000 in the October 2025 data and $168,819,527 in the October 2026 data, up 15%. Total employees: 10 in October 2025 and 11 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Zinnia Wealth Advisory, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (481); high net worth individuals (31).

**Which custodians does Zinnia Wealth Advisory, LLC use?**
Zinnia Wealth Advisory, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Distributors Company LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Zinnia Wealth Advisory, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/295122

**Does Zinnia Wealth Advisory, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated August 4, 2026 says: "ZinniaWA requires a minimum of $ 10,000 to open and maintain an advisory account. In our sole discretion, we may waive this requirement."

**What changed in Zinnia Wealth Advisory, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $146,615,000 to $168,819,527 (+15%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated August 4, 2026)

- Account minimum: $10,000 (the brochure says it may be waived or negotiated)

> ZinniaWA requires a minimum of $ 10,000 to open and maintain an advisory account. In our sole discretion, we may waive this requirement.

- Hourly rate: $500 an hour (financial planning services)

> If an hourly fee arrangement is negotiated, the fee will be up to $500/hour.

- Flat fee: $20,000 a year (financial planning services)

> If a fixed fee arrangement is negotiated, the maximum annual fee will be $ 20,000.

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

### Custodians (Schedule D, Section 5.K(3))
- Fidelity Distributors Company 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: $168,819,527
- Discretionary: $168,819,527
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 481 | $111,905,280 |
| High net worth individuals | 31 | $56,914,247 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2025 (1 year)
- Employees: 11 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Gainesville, FL
- Wildwood, FL

### Websites listed on Form ADV (Item 1.I)
- zinniawealth.com
- Facebook @zinniawealth
- Instagram @zinniawealth
- LinkedIn @zinnia-wealth-management
- YouTube @zinniawealth1694

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $146,615,000 | 10 | April 23, 2025 |
| October 2026 | $168,819,527 | 11 | August 4, 2026 |

Regulatory assets under management: $146,615,000 in the October 2025 data and $168,819,527 in the October 2026 data, up 15%.
Total employees: 10 in October 2025 and 11 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $146,615,000 to $168,819,527 (+15%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Zinnia Wealth Advisory, LLC (CRD 295122): Form ADV filing data as of October 2026.