# Zynergy Retirement Planning

> 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.

- CRD: 143861
- Filed as: ZYNERGY RETIREMENT PLANNING
- Also doing business as: ZYNERGY RETIREMENT PLANNING
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Red Bank, NJ
- Filing period: October 2026
- Form ADV filing dated: June 3, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/143861
- AdvisorCensus page: https://advisorcensus.com/firm/zynergy-retirement-planning-red-bank-nj-143861

## Quick answers

**How is Zynergy Retirement Planning compensated?**
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).

**How much does Zynergy Retirement Planning charge?**
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.

**Where is Zynergy Retirement Planning located?**
Zynergy Retirement Planning's principal office is in Red Bank, NJ, according to its Form ADV.

**Is Zynergy Retirement Planning registered with the SEC or a state?**
Zynergy Retirement Planning is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 143861.

**How much does Zynergy Retirement Planning manage?**
Zynergy Retirement Planning reports $173,000,000 in regulatory assets under management in its Form ADV filing dated June 3, 2026 (100% discretionary).

**How have Zynergy Retirement Planning's assets and staff changed since 2024?**
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.

**What types of clients does Zynergy Retirement Planning serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (120); high net worth individuals (52).

**Which custodians does Zynergy Retirement Planning use?**
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.

**Does Zynergy Retirement Planning 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/143861

**What changed in Zynergy Retirement Planning's recent Form ADV filings?**
In the July 2026 filing data: Employees performing advisory functions went from 4 to 3.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated April 16, 2026)

- Flat fee: $7,000 (One-Time Comprehensive Retirement Plan)

> One-Time Comprehensive Retirement Plan - $7,000

- Flat fee: $1,200 a year (Tax Management)

> Annual Fixed Fee of $1,200 for the following services:

- Hourly rate: $80 an hour (Admin Work)

> Admin Work – $80 per hour (i.e. Organizing receipts, etc.)

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.

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: $173,000,000
- Discretionary: $173,000,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 120 | $64,000,000 |
| High net worth individuals | 52 | $109,000,000 |
| 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
- Other

### Firm details
- Registered since: 2023 (2 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NC, NJ, NY, PA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- iheart.com/podcast/289420527
- listennotes.com/podcasts/retirement-gps-navigated-by-zynergy-zynergy-zlb6qop5RcT
- music.amazon.com/podcasts/1e6dfe97-7159-4c08-a280-18eefc4ca9c4
- open.spotify.com/show/3QrYH1quLJg43VbfCMMYAq
- player.fm/series/3686448
- podbean.com/podcast-app-iphone-android-mobile
- podcasts.apple.com/us/podcast/retirement-gps-navigated-by-zynergy/id1833343341
- podchaser.com/podcasts/retirement-gps-navigated-by-zy-6184526
- zynergyretirement.com
- Facebook @zynergyretirement
- Instagram @zynergyretirement
- LinkedIn @zynergy-retirement-planning
- YouTube @ZynergyRetirement

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $131,013,995 | 7 | July 26, 2024 |
| October 2025 | $152,167,446 | 6 | May 27, 2025 |
| October 2026 | $173,000,000 | 6 | June 3, 2026 |

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.

## Changes in the filing (last 12 months)

### July 2026
- Employees performing advisory functions went from 4 to 3.

### March 2026
- Employees performing advisory functions went from 3 to 4.
- Regulatory assets under management went from $152,167,446 to $173,905,140 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Zynergy Retirement Planning (CRD 143861): Form ADV filing data as of October 2026.