Zynergy Retirement Planning

ZYNERGY RETIREMENT PLANNING 10 NJ-35 Red Bank NJ, 07701 www.zynergyretirement.com ADV Part 2A Client Disclosure Brochure Version date: 04/16/2026 This brochure provides information about the qualifications and business practices of Zynergy Retirement Planning. If you have any questions about the contents of this brochure, please contact us at 732-784-2380 or info@zynergyretirement.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any other state securities authority. Additional information about Zynergy Retirement Planning is also available on the SEC’s website at www.advisorinfo.sec.gov. Zynergy Retirement Planning’s CRD number is 143861 We are a Registered Investment Advisor. The word “Registered” does not imply a certain level of skill or training. 1  Item 2 The material changes in this brochure from the last annual updating amendment of Zynergy Retirement Planning on 02/04/2026 are described below. Material changes relate to Zynergy Retirement Planning’s policies, practices or conflicts of interests. • Zynergy Retirement Planning has updated its Assets under Management. (Item 4) • Zynergy Retirement Planning has updated its services and fees (Items 4, 5 and 7). 2  Item 3 Table of Contents Item Page 4 Business Description ...................................................................... 4 5 Fee Schedule… ............................................................................... 4 6 Performance Based Fees ............................................................... 6 7 Types of Clients… ........................................................................... 6 8 Investment Strategy ....................................................................... 6 9 Disciplinary Information… .............................................................. 8 10 Other Financial Industry Activities and Affirmations ..................... 8 11 Code of Ethics ................................................................................ 8 12 Broker Dealer Selection .................................................................. 9 13 Account Reviews… ......................................................................... 10 14 Referrals and Compensation ......................................................... 10 15 Custody… ....................................................................................... 10 16 Investment Discretion ................................................................... 11 17 Voting Client Securities… ...............................................................11 18 Financial Information ..................................................................... 11 19 Executive Officers .......................................................................... 12 3  Item 4 Business Description Zynergy Retirement Planning is a fee-only financial planning firm that was started January 1, 2007. The principal owner of the firm (owning 82% of the firm currently) is Ryan Zacharczyk. Cory Dippold is a 15% owner and Jennifer Giampietro is a 3% owner. Our firm specializes in fee-only financial planning and money management for people at or near retirement. It is our mission to help them achieve, maintain, and enjoy an extraordinary retirement. We work primarily with individuals and couples. Our planning philosophy is a simple one, real world practical advice in the areas of cash flow, investment planning, retirement planning, tax planning, insurance planning, and estate planning. Our investment philosophy is also simple. Using index funds and index ETF’s (Exchange Traded Funds) we diversify a client’s portfolio according to their risk tolerance, keep their investment expenses low, and rebalance regularly. This offers our clients the best chance at accomplishing their goals. We also offer tax services including tax planning, tax preparation, tax payment management, audit defense and ongoing CPA access. It also includes 1 rental property and 1 small business. Currently, Zynergy manages $173,000,000 in investments on a discretionary basis for its clients. We do not manage any money on a non-discretionary basis. There are total of 591 accounts currently under management. These numbers were calculated as of April 1, 2026. Item 5 Fee Schedule A. Zynergy offers the following financial planning services and programs: Core Service Annual Fee: 1% of Assets Under Management, Minimum of $10,000/yr i. ii. iii. iv. Ongoing Financial Planning Asset Management Access To Our Team Semi-Annual Review 4  Private Office Service: Annual Fee (based on Assets under management) Assets Under Management Up to $2 million $2 – $5 million $5 - $10 million $10 - $20 million $20 million+ Fee 1.00% 0.80% 0.60% 0.40% 0.30% Minimum fee $30,000/yr. i. ii. iii. iv. v. vi. vii. viii. Ongoing Financial Planning Asset Management Access To Our Team Semi-Annual Review Tax Management Service LEGACY Estate Planning Generational Planning Retirement Enrichment Program - One-Time Comprehensive Retirement Plan - $7,000 Fees are non-negotiable. Tax Management Annual Fixed Fee of $1,200 for the following services: • Tax Prep Planning • Tax Preparation • Tax Payment Management • Audit Defense • Ongoing CPA Access • Rental Property (1) • Small Business (1) Add-On Services: • Small Business ($200 – $600) defined as less than 10 employees and filed on Schedule C • Rental Property – $200 per property • Casualty Loss – $300 • Partnership – $600 • Trust – $600 5  • Additional States (beyond 2) – $200 per state • Dependent’s Child’s Return – $200 • Admin Work – $80 per hour (i.e. Organizing receipts, etc.) B. Annual fees are paid quarterly in arrears, based on current assets under management as of the quarter end date with the exception of a $1000 deposit. Tax service fees are paid upon completion of the tax work. Fees are paid by check. C. In addition to financial planning fees, clients may incur fund expenses and brokerage trading commissions. It is our goal to minimize these fees and Zynergy receives none of these costs. D. Zynergy collects a $1000 deposit on all services. Investment advisory contract may be terminated at any time upon written notification, a pro-rated invoice will be sent based on the termination date. E. No employees at Zynergy received compensation for the sale of any product. There are no additional conflicts of interest. Item 6 Performance Based Fees Zynergy receives no performance-based fees. All fees are charged as described above. There is no additional compensation for exceptional performance. Item 7 Types of Clients Zynergy works almost exclusively with individuals and couples. Additionally, we do manage trusts for individuals or entities. We currently have no clients that are pensions or businesses. Our minimum account fee is $10,000 for core clients and $30,000 for private office clients. Item 8 Investment Strategy A. As mentioned previously, our investment strategy is simple. Using index funds and index ETF’s (Exchange Traded Funds) primarily we diversify a client’s portfolio according to their risk tolerance, keep their investment expenses low, and 6  rebalance regularly. This offers our clients their best chance at accomplishing their goals. Trading within the accounts happens relatively infrequently. Usually, trading occurs only to rebalance the portfolio back to its intended allocation. The investments we choose for our clients must offer the following: 1. Diversification 2. Low turnover 3. Low costs Obviously, investing in securities carries the risk of loss that clients should be prepared to bear. B. Clients who invest with Zynergy should prepare for some degree of portfolio fluctuations. Obviously, in more conservative allocations, the fluctuations will be less severe. In portfolio’s that have a larger percentage of equity holdings, the fluctuations will be greater. The level of risk that is determined for each client portfolio is determined by a number of factors. These factors include, but are not limited to: 1. Amount of time until client needs invested money 2. Clients age 3. Client’s Risk Tolerance 4. Economic Factors C. Once these factors are weighed, a portfolio custom to the client is developed. The asset classes that are typically included in the portfolios are: 1. Large Cap Stocks 2. Small Cap stocks 3. International Stocks (both large and small cap) 4. Commodities 5. Real Estate Investment Trusts 6. Government Bonds 7. Municipal Bonds 8. Corporate Bonds 9. Cash As addressed before, these asset classes are invested in via index mutual funds and ETF’s. 7  Item 9 Disciplinary Information A. There is no history of, or current pending disciplinary or legal events related to Zynergy retirement planning or any members of the firm. Item 10 Other Financial Industry Activities and Affirmations A. Nobody within our firm is registered or has a pending registration as a broker-dealer. B. Nobody within our firm is registered or has a pending registration as a futures commodities merchant, commodity pool operator, or a commodities trading advisor. C. Zynergy does not have any relationships with other professionals that would materially affect our clients or create conflicts of interest. We recommend our clients to other professionals (CPA, Estate planning attorneys, etc.) but this is based off the merit of their work and not any compensation or referral partnership. D. We do not recommend other investment advisors and as such do not receive any commissions from such recommendations. Item 11 Code of Ethics - Place the interest of the client first at all times - Conduct all personal transactions in such a manner as to be consistent with the code of ethics and to avoid any actual or potential conflicts of interest or any abuse of an employee position of trust and responsibility. - Insure that investment advisor personnel should not take inappropriate advantage of their positions. - Maintain the fiduciary principle that information concerning the identity of security holdings and financial circumstances of clients remain confidential. - Uphold the principle that independence in the investment decision-making 8  process is paramount. A copy of our code of ethics is available on request by any client or prospective client. B. We do not buy or sell securities in which we have a material financial interest for our clients. C. Potential Conflict: At Zynergy, we invest in the same mutual funds and ETF’s we recommend to our clients. We feel this is logical, why wouldn’t we invest for ourselves the same way we invest for our clients, which is, in our opinion, the smartest way to invest. The only conflict that may occur is the possibility of front running. This would involve an employee purchasing the same ETF for himself right before he invested the clients’ money. The client’s investment might then push up the price of the ETF. At this point, we do not feel the conflict is of any material concern, since most of the ETF’s and mutual funds we invest in are Schwab or Vanguard funds. They are some of the largest funds in the business and the purchase by any one relatively small investor would have almost no impact on their stock price. In order to ensure this conflict does not become a problem, all client orders must be placed before personal orders. Item 12 Broker Dealer Selection A. We have selected Charles Schwab as execution broker and custodian for our clients assets after evaluating the following factors: - Commissions – No cost for stock or ETF trades - Custodial Fees - None - Support to clients - 24/7 access to accounts online - Ease of use, software We receive no kick-backs or commissions for bringing in customers. Additionally, there are no “soft dollar” benefits offered by Charles Schwab. At Zynergy, we receive no referrals from Charles Schwab. Therefore, the possibility of getting business from our broker-dealer does not affect our decision as to the right broker- dealer to select. 9  B. Zynergy reserves the right to aggregate purchases (block trade) and sales for client’s accounts. It is typically not done since all accounts are managed separately, however, it may be done to save on costs of trading. Item 13 Account Reviews A. Client accounts are reviewed regularly by the planner. All accounts are reviewed weekly at a minimum. We report to our clients semi-annually during our regular client contacts and financial plan reviews. B. We may also review accounts for several other reasons, including, but not limited to: 1. Market decline or increase 2. The addition of cash to a particular account 3. Major life change for a client C. Clients receive monthly statements from Charles Schwab. However, Zynergy also provides year-end reviews in January every year. The year-end review is a written report describing investment returns, financial goals progress, expenses and costs, and an overall year summary. The remaining reviews during the year furnish only verbal reports and discussion of progress. Item 14 Referrals and Compensation A. We do not give financial advice or provide asset management unless payment is made. B. We do not compensate non-advisory personnel (solicitors/promoters) for client referrals. Item 15 Custody As mentioned above, Charles Schwab sends statements monthly to clients on all assets held with the firm. It is suggested that clients review those statements closely. Zynergy also sends an annual year-end review to all clients. These reviews should be closely 10  compared to the Schwab statements to ensure accuracy. Item 16 Investment Discretion Zynergy takes full discretion and trading authority for client accounts. This means that the client signs a limited power of attorney giving Zynergy the ability to trade the assets within the client’s portfolio on their behalf. Zynergy, however, does not have the ability to access the funds. The discretionary authority simply allows Zynergy to monitor and trade the assets. There is no limit on this discretional authority. Item 17 Voting Client Securities A. We do not accept voting rights on client’s behalf for any securities we manage. B. Clients will receive proxies in the mail and retain their own voting rights. Item 18 Financial Information A. We do not require deposits of over $1,200 from our clients; thus, we are not required to disclose our balance statement. 11  Receipt of Form ADV Part 2A I (We) received a copy of Form ADV Part 2A from Zynergy Retirement Planning. Name Signature Spouse Name Spouse Signature Date 12