DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

SEC-registered adviser

Zynergy Retirement Planning

Independent wealth managerRed Bank, New JerseyCRD 143861SEC 801-129005website IAPD

Latest filing Jun 3, 2026

First filing on the tape Oct 4, 2023 · 23 filings

SEC status approved since Nov 3, 2023

RAUM

$173M

reported, Item 5.F

Discretionary

100%

of RAUM

Private clients

100%

$173M individuals and HNW

Advisors

registered through the firm on IAPD

RAUM per advisor

$43.3M

derived; firm RAUM over IAPD count

Employees

3 advisory (5.B.1)

Offices

beyond the principal office

Private funds

reported on Schedule D

History

23 filings and snapshots on the tape

RAUM$173M as of Jun 3, 2026

Mar 9, 2024$131M then

HNW client RAUM$109M as of Jun 3, 2026

Mar 9, 2024$53.9M then

State-registered IARs (5.B.3)3 as of Jun 3, 2026

Mar 9, 20241 then

Employees (5.A)6 as of Jun 3, 2026

Mar 9, 20243 then

Private funds: no history

RAUM +21% over the last fiscal yearIARs 3 to 3

Practice profile

derived from the filing of Jun 3, 2026; every figure names its basis

Archetypes, each a printed rule

HNW wealth manager · private-client share of RAUM at least 50 percent and HNW share of private-client RAUM 50 to 90 percent
Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control

RAUM per advisor: $43.3MderivedRAUM over IAPD advisors; not a book size
Clients per advisor: 43derivedindividual and HNW clients (5.D) over advisors
Average HNW client: $2.1MderivedHNW RAUM over HNW clients
Average account: $292,724derivedRAUM over accounts (5.F.2.f)
Discretionary: 100%derivedof RAUM
Institutional: 0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor: 1.5derivedItem 5.A over advisors
Advisors per office: 4.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year: +21%derivedbetween the last two annual amendments
Advisor growth, one year: +33%derivedItem 5.B.3 between annual amendments
Client growth, one year: -2.3%derived
Compensation: percentage of assets, fixed feesreportedItem 5.E
Advisory activities: financial planning, portfolio management for individuals, otherreportedItem 5.G
Ownership: no PE, bank or public-company owner found on Schedule Aderived
Advisor book size: not public; not estimatedreported

Also answered yes on Form ADV

buys or sells securities as principal to or from clients (8.A.2)
has discretionary authority over which securities are bought or sold (8.C.1)
receives research or other products from a broker-dealer, soft dollars (8.E)

Where the RAUM sits

Form ADV Item 5.D, latest filing

High-net-worth individuals$109M63%
Individuals$64.0M37%

Individual clients: 120reported
HNW clients: 52reported
Pension plan clients: 0reported
Charitable clients: 0reported
Accounts: 591reported
Financial planning clients: 101-250reported
Wrap fee programs: noreported
Custody of client assets: noreported
Compensation: % of AUM, fixedreported
Class basis: private_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=false related_bank=false bd_reps=0.0derived

Advisors registered through the firm

4 on IAPD today, longest tenure first

Name	Branch	Here since	In industry	Prior firms
Michela Marie Zacharczyk	Red Bank, Nj	Feb 21, 2024	12 y	0
Grace Elizabeth Gallagher	Red Bank, Nj	Feb 23, 2024	12 y	0
Ryan Patrick ZacharczykCertified Financial Planner	Red Bank, Nj	Jun 21, 2024	19 y	2
Matthew PerriCertified Financial Planner	Red Bank, Nj	Feb 4, 2026	11 y	3

Advisor movement

1 left, 1 joined in 12 months

net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 25% of current headcount3 left over 36 months

Left, latest

Zane Thomas Belcak to Cornerstone Planning Group
Jun 3, 2026 · RIA to RIA
William F Gallagher to Wealth Enhancement Advisory Services, LLC
Mar 12, 2025 · RIA to affiliated broker-dealer or bank
Lauren F Russo to Farther
Oct 5, 2023 · RIA to RIA

Joined, latest

Matthew Perri from Stifel Independent Advisors, LLC
Feb 4, 2026 · Affiliated broker-dealer or bank to independent RIA
William F Gallagher from Facet
May 12, 2021 · RIA to RIA

Every departure Every arrival

Private funds

No private fund reported.

Owners and control persons

Schedule A and B, latest filing

Marie Michela Zacharczyk · Chief Compliance Officercontrol
since 06/2024 · owns less than 5%
Patrick Ryan Zacharczyk · Presidentcontrol
since 01/2007 · owns 75% or more

Related persons

Schedule D 7.A

No related person reported.

Office movement

IAPD branch city; joins and departures in 12 months

Office	Advisors	Joined	Left	Teams out	Forming
Red Bank, Nj · principal	4	1	1

Offices

Schedule D 1.F, the 25 largest

No branch office listed.

ADV anomalies

1 against comparable advisers; where to look, not conclusions

HNW share shiftChange between filings · filing Apr 21, 2026
HNW share of RAUM moved from 43.0% to 63.0% between the annual amendments of 2025-03-12 and 2026-04-21
peers: independent wealth managers, $100M to $500M (5,676)

How anomalies are measured

What changed

consecutive filings, newest first

Advisory employees · 4 to 3
Apr 21, 2026 to Jun 3, 2026
Employees · 7 to 6
Apr 21, 2026 to Jun 3, 2026
State-registered IARs · 4 to 3
Apr 21, 2026 to Jun 3, 2026
Accounts · 587 to 591
Feb 4, 2026 to Apr 21, 2026
HNW clients · 9 to 52
Feb 4, 2026 to Apr 21, 2026
Individual clients · 163 to 120
Feb 4, 2026 to Apr 21, 2026
Discretionary RAUM · $174M to $173M
Feb 4, 2026 to Apr 21, 2026
HNW RAUM · $36.9M to $109M
Feb 4, 2026 to Apr 21, 2026
Individual RAUM · $137M to $64.0M
Feb 4, 2026 to Apr 21, 2026
RAUM · $174M to $173M
Feb 4, 2026 to Apr 21, 2026
Accounts · 593 to 587
Nov 11, 2025 to Feb 4, 2026
Advisory employees · 3 to 4
Nov 11, 2025 to Feb 4, 2026
HNW clients · 51 to 9
Nov 11, 2025 to Feb 4, 2026
Individual clients · 122 to 163
Nov 11, 2025 to Feb 4, 2026
Employees · 6 to 7
Nov 11, 2025 to Feb 4, 2026
State-registered IARs · 3 to 4
Nov 11, 2025 to Feb 4, 2026
Discretionary RAUM · $152M to $174M
Nov 11, 2025 to Feb 4, 2026
HNW RAUM · $100M to $36.9M
Nov 11, 2025 to Feb 4, 2026
Individual RAUM · $52.1M to $137M
Nov 11, 2025 to Feb 4, 2026
RAUM · $152M to $174M
Nov 11, 2025 to Feb 4, 2026
Accounts · 606 to 593
Mar 12, 2025 to May 27, 2025
HNW clients · 47 to 51
Mar 12, 2025 to May 27, 2025
Individual clients · 129 to 122
Mar 12, 2025 to May 27, 2025
Financial planning clients · 101-250 to 101-250
Mar 12, 2025 to May 27, 2025
Discretionary RAUM · $143M to $152M
Mar 12, 2025 to May 27, 2025
HNW RAUM · $61.0M to $100M
Mar 12, 2025 to May 27, 2025
Individual RAUM · $82.3M to $52.1M
Mar 12, 2025 to May 27, 2025
RAUM · $143M to $152M
Mar 12, 2025 to May 27, 2025
Employees · 7 to 6
Jan 28, 2025 to Mar 12, 2025
Accounts · 176 to 606
Nov 27, 2024 to Jan 28, 2025
Employees · 8 to 7
Nov 27, 2024 to Jan 28, 2025
Discretionary RAUM · $143M to $143M
Nov 27, 2024 to Jan 28, 2025
HNW RAUM · $61.0M to $61.0M
Nov 27, 2024 to Jan 28, 2025
RAUM · $143M to $143M
Nov 27, 2024 to Jan 28, 2025
Advisory employees · 2 to 3
Nov 20, 2024 to Nov 27, 2024
Employees · 7 to 8
Nov 20, 2024 to Nov 27, 2024
State-registered IARs · 2 to 3
Nov 20, 2024 to Nov 27, 2024
Accounts · 596 to 176
Jul 26, 2024 to Oct 30, 2024
HNW clients · 42 to 47
Jul 26, 2024 to Oct 30, 2024
Individual clients · 149 to 129
Jul 26, 2024 to Oct 30, 2024

Signals

5 dated events

Zane Thomas Belcak left Zynergy Retirement Planning for Cornerstone Planning Group (registered 2026-08-14)
Jun 3, 2026 · Advisor changed firm · fact
William F Gallagher left Zynergy Retirement Planning for Wealth Enhancement Advisory Services, Llc (registered 2025-06-09)
Mar 12, 2025 · Advisor changed firm · fact
Marie Michela Zacharczyk (Chief Compliance Officer) appeared on Schedule A of Zynergy Retirement Planning
Jun 21, 2024 · Control person joined · fact
Lauren F Russo left Zynergy Retirement Planning for Farther (registered 2023-11-02)
Oct 5, 2023 · Advisor changed firm · fact
Zynergy Retirement Planning filed its initial SEC registration (Form ADV)
Oct 4, 2023 · First SEC registration · fact

Across DFX

shared identifiers only, never a name match

No identifier-backed link to the venture, private equity, family office or sponsor graphs.

How to reach

public business contact points only, each with its source

Business phone: 732-784-2380reportedpublished by the firm, firm site, Sep 17, 2026
Firm profile: linkedin.com/company/zynergy-retirement-planningreportedpublic record, Form ADV, Sep 17, 2026
Website: zynergyretirement.comreportedpublic record, Form ADV, Sep 17, 2026
Principal office phone: 732-784-2380reportedpublic record, Form ADV, Jun 3, 2026
Contact form: zynergyretirement.com/contact-usreportedpublished by the firm, firm site, Sep 17, 2026

Provenance

Form ADV: SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
Advisors: IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
Class: Independent wealth managerderiveda rule over Items 5.D and 7.A
RAUM per advisor: $43.3Mderivedfirm RAUM over the IAPD count; not a book size
Loaded: Sep 14, 2026