{
  "crd_number": 143861,
  "slug": "zynergy-retirement-planning-red-bank-nj-143861",
  "primary_business_name": "ZYNERGY RETIREMENT PLANNING",
  "legal_name": "ZYNERGY RETIREMENT PLANNING",
  "dbas": [
    "ZYNERGY RETIREMENT PLANNING"
  ],
  "city": "Red Bank",
  "state": "NJ",
  "country": "United States",
  "cbsa_code": "35620",
  "metro": {
    "cbsa_code": "35620",
    "common_name": "New York",
    "msa_name": "New York-Newark-Jersey City, NY-NJ",
    "path": "/advisors/ny/new-york"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-11-03",
  "years_registered": 2,
  "period": "2026-10-01",
  "filing_date": "2026-06-03",
  "carried_forward": false,
  "raum_total": 173000000.0,
  "raum_discretionary": 173000000.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 3,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 64000000.0,
      "count": 120
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 109000000.0,
      "count": 52
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "NC",
    "NJ",
    "NY",
    "PA",
    "TX"
  ],
  "websites": [
    "https://facebook.com/zynergyretirement",
    "https://iheart.com/podcast/289420527",
    "https://instagram.com/zynergyretirement",
    "https://linkedin.com/company/zynergy-retirement-planning",
    "https://listennotes.com/podcasts/retirement-gps-navigated-by-zynergy-zynergy-zlb6qop5RcT",
    "https://music.amazon.com/podcasts/1e6dfe97-7159-4c08-a280-18eefc4ca9c4",
    "https://open.spotify.com/show/3QrYH1quLJg43VbfCMMYAq",
    "https://player.fm/series/3686448",
    "https://podbean.com/podcast-app-iphone-android-mobile",
    "https://podcasts.apple.com/us/podcast/retirement-gps-navigated-by-zynergy/id1833343341",
    "https://podchaser.com/podcasts/retirement-gps-navigated-by-zy-6184526",
    "https://youtube.com/user/ZynergyRetirement",
    "https://zynergyretirement.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/143861",
  "city_as_filed": "RED BANK",
  "url": "https://advisorcensus.com/firm/zynergy-retirement-planning-red-bank-nj-143861",
  "display_name": "Zynergy Retirement Planning",
  "summary": "Zynergy Retirement Planning is an SEC-registered investment advisory firm in Red Bank, NJ, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 3, 2026.",
  "citation": "AdvisorCensus. Zynergy Retirement Planning (CRD 143861): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Zynergy Retirement Planning compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Zynergy Retirement Planning reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Zynergy Retirement Planning charge?",
      "a": "Its Form ADV Part 2A brochure dated April 16, 2026 states: Flat fee: $7,000 (One-Time Comprehensive Retirement Plan); Flat fee: $1,200 a year (Tax Management); Hourly rate: $80 an hour (Admin Work). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Zynergy Retirement Planning located?",
      "a": "Zynergy Retirement Planning's principal office is in Red Bank, NJ, according to its Form ADV."
    },
    {
      "q": "Is Zynergy Retirement Planning registered with the SEC or a state?",
      "a": "Zynergy Retirement Planning is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 143861."
    },
    {
      "q": "How much does Zynergy Retirement Planning manage?",
      "a": "Zynergy Retirement Planning reports $173,000,000 in regulatory assets under management in its Form ADV filing dated June 3, 2026 (100% discretionary)."
    },
    {
      "q": "How have Zynergy Retirement Planning's assets and staff changed since 2024?",
      "a": "In the Form ADV data for Zynergy Retirement Planning: Regulatory assets under management: $131,013,995 in the October 2024 data and $173,000,000 in the October 2026 data, up 32%. Total employees: 7 in October 2024 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Zynergy Retirement Planning serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (120); high net worth individuals (52)."
    },
    {
      "q": "Which custodians does Zynergy Retirement Planning use?",
      "a": "Zynergy Retirement Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Zynergy Retirement Planning report any disciplinary disclosures?",
      "a": "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/143861"
    },
    {
      "q": "What changed in Zynergy Retirement Planning's recent Form ADV filings?",
      "a": "In the July 2026 filing data: Employees performing advisory functions went from 4 to 3."
    }
  ],
  "filing_history": [
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 131013995.0,
      "total_employees": 7,
      "filing_date": "2024-07-26"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 152167446.0,
      "total_employees": 6,
      "filing_date": "2025-05-27"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 173000000.0,
      "total_employees": 6,
      "filing_date": "2026-06-03"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-07-01",
      "period_label": "July 2026",
      "notes": [
        "Employees performing advisory functions went from 4 to 3."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Employees performing advisory functions went from 3 to 4.",
        "Regulatory assets under management went from $152,167,446 to $173,905,140 (+14%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated April 16, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $7,000 (One-Time Comprehensive Retirement Plan)",
      "Flat fee: $1,200 a year (Tax Management)",
      "Hourly rate: $80 an hour (Admin Work)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $7,000 (One-Time Comprehensive Retirement Plan)"
        ],
        "quotes": [
          "One-Time Comprehensive Retirement Plan - $7,000"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,200 a year (Tax Management)"
        ],
        "quotes": [
          "Annual Fixed Fee of $1,200 for the following services:"
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $80 an hour (Admin Work)"
        ],
        "quotes": [
          "Admin Work – $80 per hour (i.e. Organizing receipts, etc.)"
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": 7000.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "One-Time Comprehensive Retirement Plan"
        },
        {
          "kind": "flat",
          "amount": 1200.0,
          "min": null,
          "max": null,
          "period": "annual",
          "service": "Tax Management"
        },
        {
          "kind": "hourly",
          "amount": 80.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Admin Work"
        }
      ]
    },
    "quotes": [
      "One-Time Comprehensive Retirement Plan - $7,000",
      "Annual Fixed Fee of $1,200 for the following services:",
      "Admin Work – $80 per hour (i.e. Organizing receipts, etc.)"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/zynergy-retirement-planning-red-bank-nj-143861.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 120,
      "fewer_than_5": false,
      "raum": 64000000.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 52,
      "fewer_than_5": false,
      "raum": 109000000.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/143861",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}