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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
  • Portfolio Management


Firm Client types

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No timeline events available.
Employer Years Dates
Zynergy Financial Planning, LLC. 13 years, 3 months Jan 2007 - Present
ZYNERGY Retirement PLANNING, LLC. 13 years, 3 months Jan 2007 - Present
Bear Hunter Structured Products LLC 4 years, 3 months Sep 2002 - Dec 2006

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • National Association of Independent Retirement Plan Advisors
    National Association of Independent Retirement Plan Advisors
    The National Association of Independent Retirement Plan Advisors (NAIRPA) is a leader in the transformation of the national retirement system to improve transparency, effectiveness, and governance.

Articles and Answers

Insights by Ryan Zacharczyk

Medicare Part A
Published 2016-06-24 13:08:41
How to Save Money on Your Banking Fees
Published 2016-01-29 06:49:04
The 7 Deadly Retirement Sins, Part 7
Published 2016-03-31 06:43:46
The 7 Deadly Retirement Sins, Part 6
Published 2016-03-31 06:39:39
The 7 Deadly Retirement Sins, Part 5
Published 2016-03-31 06:37:21
The 7 Deadly Retirement Sins, Part 4
Published 2016-03-25 09:38:55
The 7 Deadly Retirement Sins, Part #1
Published 2016-02-28 13:28:32
The 7 Deadly Retirement Sins, Part 3
Published 2016-03-08 08:49:48
The 7 Deadly Retirement Sins, Part 2
Published 2016-03-03 14:26:03
The Wealthy Retiree, Part 11
Published 2016-02-27 19:16:35
The Wealthy Retiree, Part 10
Published 2016-02-27 19:15:20
The Wealthy Retiree, Part 9
Published 2016-02-27 19:13:39
The Wealthy Retiree, Part 8
Published 2016-02-18 20:28:49
The Wealthy Retiree, Part 7
Published 2016-02-18 20:27:09
The Wealthy Retiree, Part 6
Published 2016-02-16 19:41:38
The Wealthy Retiree, Part 5
Published 2016-02-16 19:39:57
The Wealthy Retiree, Part 4
Published 2016-02-08 18:52:08
The Wealthy Retiree, Part 3
Published 2016-02-04 21:22:25
The Wealthy Retiree, Part 1
Published 2016-02-03 21:27:38
The Wealthy Retiree, Part 2
Published 2016-02-03 21:34:06
6 Things to Consider if you want to unretired
Published 2016-02-03 21:14:47
How to Buy an Engagement Ring on a Budget
Published 2016-02-03 11:38:36
4 Steps to Prepare for the Next Bear Market
Published 2016-02-01 21:01:03
Retirement Checklist: 8 Things You Must Do
Published 2016-01-27 20:43:13
What is Medigap Insurance?
Published 2016-01-26 07:55:35
7 Steps to Financial Freedom
Published 2016-01-25 07:02:37
When to Collect Social Security
Published 2016-01-21 19:26:06
How to protect restricted stock
Published 2016-01-24 20:12:20
The Pros and Cons of a Reverse Mortgage
Published 2016-01-21 19:19:35
The Mortgage Refinance Process
Published 2016-01-21 07:36:53
10 Financial Steps to Take In 2016
Published 2016-01-20 12:21:36
4 Steps to Prepare for the Next Bear Market
Published 2016-01-19 22:04:02
How to Take a Vacation on a Budget
Published 2016-01-17 20:52:07
How to Manage your Holiday Financial Hangover
Published 2015-12-30 09:32:44
How to Live off Your 401k Without Going Broke
Published 2015-12-17 19:40:25
How to Invest Cash for the Short-Term
Published 2015-12-11 07:43:04
4 Financial Planning Steps for Women
Published 2015-11-20 09:48:52
The Pros and Cons of a Reverse Mortgage
Published 2015-11-11 13:48:10
How to Survive a Surprise Early Retirement
Published 2015-11-11 13:32:56
How to Invest During Retirement
Published 2015-11-11 13:30:17
How to Set Financial Goals with Your Spouse
Published 2015-11-11 13:27:32
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I just retired from fedex corp. I am invested with the company and have 25 plus yrs with them.
    Hi Rose, Yes, according to my research FedEx does have a defined benefit (pension) plan in which you will receive a monthly stream of income. However, I suggest you contact your Human Resources dept. in order to confirm this information and find out how much and when you can expect your check. En...  (more)
    Answered Mar 2016
    What should I be looking for (and where?) in a retirement savings plan if my employer doesn't offer me those benefits?
    Hi Soshi, Let me start on congratulating you on your foresight and financial responsibility. The sooner you start the better off you will be thanks to the magic of compounding . Fortunately for you, there are many good options out there to begin your savings plan. However, my advice is pretty st...  (more)
    Answered Jan 2016
    1996 Mother opened an account for me with Quick and Reilly she transferred 13 valuable bonds to account. Help me please?
    Hi Elizabeth,Unfortunately, there is not much anyone on Brightscope would be able to do to help you without a little more information. There are many different kinds of bonds, however, if they are Series EE, I bonds, or any other type of bonds issued by the U.S. government, you can find out their ...  (more)
    Answered Jun 2016
    I am sorry, you will need to retype your question....  (more)
    Answered Feb 2016
    How do I look at my personal 401k account?
    Typically, your 401k provider will provide you with a regular (monthly or quarterly) paper statement or a website that will have all the information you need. I suggest you reach out to your 401k provider to find out how to access the information you are looking for....  (more)
    Answered Jan 2016
    I'm no longer employeed with this conpany and i wanted to know how it will take me to gwt my money?
    I am assuming that you are curious about your 401k money. If I am correct, you have a few options, however, I would almost certainly recommend rolling the account over to an IRA that can be set up with any discount broker. That should be accomplished relatively quickly. Start by reaching out to ...  (more)
    Answered Feb 2016
    I hope I have the correct site. Pershing LLC, looking for my tax information statement online. Do you have these?
    I am sorry, but it seems that you do have the wrong site. Log on to your broker-dealer's site to access those statements. Good luck!...  (more)
    Answered Jan 2016
    401k Allocation?
    Hi Terry. I 'm sorry, but without knowing a little more about you it is not fair for me or anyone to give you advice about your asset allocation. So, I am going to give you some general advice so you can make the best decision for yourself.First, if you are younger with more than 10 years until r...  (more)
    Answered Jan 2016
    I cashed out my 401k. The taxes and penalties were withheld - will I have to pay additional income taxes?
    Hi Ryan,Sorry to hear about your job loss. Your answer simply depends on what your tax bracket is. Your employer should have withheld 20% for federal and 2-8% for state taxes (depending on your state). There is also a 10% penalty that is due if you cash out before age 59 1/2. So, essentially, i...  (more)
    Answered Mar 2016
    Can I claim my child and get earned income credit using only the money I received from my trust fund?
    Hi Aimee,Yes, you can claim your child as a dependent, however, you will not be able to claim the EIC as that is only credited towards earning earned for work. Not investment distributions of any kind. Good luck!...  (more)
    Answered Mar 2016
    How do i get a loan?
    Hi Jessica,Unfortunately, your question is far too general for me to provide any clarity. What type of loan are you looking for?...  (more)
    Answered Mar 2016
    I started a 401k with Ruby Tuesday's over 15 years ago. How can I find my account?
    I'm assuming that you are no longer working at Ruby Tuesday's and would like to find your money. So, assuming all of that is correct, my suggestion would be to simply speak with a manager at Ruby Tuesday's (walking into the restaurant during a slow time of day is your best bet) and explaining the p...  (more)
    Answered Dec 2015
    I have a 401k with Winston brands could I withdrawal $?
    Hi Ricardo,Unfortunately, I will need more information to accurately answer that question. Mainly, are you still working for Winston? If you are, most 401k's will allow you to take a loan of 50% of the balance up to $50,000. This is not true of all plans, but most. Speak with human resources. ...  (more)
    Answered Dec 2015
    How can I accurately and easily determine the fees that I am paying for a 401K or an IRA account?
    Most likely you are not paying an direct fees on your 401k or IRA account, however, you are definitely paying fees on the funds within the account. You can find out the fund fees either by looking at the funds prospectus or going to and entering the symbol of the fund. Mornings...  (more)
    Answered Jan 2016
    When can I cash in my stocks?
    Hello Steven, Unfortunately, that question is too broad to give a definitive answer, but let me try to help:1. If your "stocks" are invested in a 401k, IRA, or similar qualified retirement plan, you can begin taking a penalty free distribution when you turn 59 1/2.2. If your "stocks" are held i...  (more)
    Answered May 2016
    How do i go into my account to see what i have so far?
    Hi Crystal, Stephen is right, we will need more information to better help you. However, just some general thoughts:1. Most accounts offer the ability to see your balance online. Contact the financial institution holding your account to access that information.2. Your account should also send...  (more)
    Answered Jan 2016
    How do I find out how much my profit sharing is in my balance how much will I receive?
    The easiest solution to finding out the balance in your profit sharing plan is by calling Human Resources at your company. They should have that information for you. I also suspect you have been or will be receiving regular statements. If not, ask HR why....  (more)
    Answered May 2016
    Are they violating their fiduciary duties?
    Hello James, Unfortunately for you, it is up to the company's discretion as to what percent they allow their employees to contribute to a 401k. They may have a sound reason for their decision (i.e. You are a highly compensated employee and the plan is top heavy) or may simply have been given bad i...  (more)
    Answered Jan 2016
    How do I go about finding out if I've contributed to a pension while employed for Central Beverage Distributing ?
    Hi Parnell, The easiest way for you to get the information you are looking for is to contact HR at Central. They should have your work record and information regarding the pension. Even if they do not, they should provide you with the pension provider for you to contact. Good luck!...  (more)
    Answered Jan 2016
    How do I go about finding out if I've contributed to a pension while employed for Central Beverage Distributing ?
    Hi Parnell, The easiest way for you to get the information you are looking for is to contact HR at Central. They should have your work record and information regarding the pension. Even if they do not, they should provide you with the pension provider for you to contact. Good luck!...  (more)
    Answered Jan 2016
    I worked from 2000-2002 at Daman industrial services. In that time I had a 401k, where is it and how can I get my money?
    Hi Gerry,The best way for you to get the answers you are looking for is to reach back out to your old company's HR department and ask them who is their 401k provider. You see, each firm that has a 401k has it managed by a 401k provider. That provider (such as Fidelity, Vanguard, Charles Schwab, e...  (more)
    Answered Dec 2015
    I need to know if I have balance in my 401 k account with Howard Industries INC.? AS a former employee.
    Hi Perry, The easiest way to accomplish that goal is to call your old companies Human Resources dept. If you do have an old 401k balance, they will be able to tell you how to check it and roll it over if need be.Good luck!...  (more)
    Answered May 2016
    How much can I borrow with my 401k?
    Hi Shawn,The max you can borrow from your 401k is $50,000 or 50%, whichever is less. Thus, if you have $10,000 in your 401k, you can borrow $5,000. If you have $150,000, you can borrow up to $50,000. Good luck!...  (more)
    Answered Mar 2016
    Can a employee borrow from plan & tryst ..
    Your question is unfortunately too vague to give you an answer with any certainty. However, I can give you a general answer. Most 401k plans will allow you to borrow up to 50% or $50,000 (whichever is less) from your plan. You can easily find out more information by contacting HR or your 401k pro...  (more)
    Answered Jun 2016
    Waukee Family Townhome?
    I am sorry, but I do not understand the question. Can you be more specific?...  (more)
    Answered Jan 2016
    Can I cash it out ? my 401k from my old job ? I was fired and still have an active 401k?
    I agree with Joseph, although you can does not mean you should. The easiest solution to get your 401k out of your old employers hands without getting pummeled with taxes is to open an IRA with a custodian like TD ameritrade or Charles Schwab and roll your 401k into your new IRA. This will continue...  (more)
    Answered Jan 2016
    How do I access my 401k account for McGraw Hill?
    Unfortunately, I do not have enough information to answer that question for you. However, the easiest way to find that information out for yourself is to find out who is the custodian of McGraw-Hill's 401k plan and contact them. The custodian is the broker-dealer that holds the funds (Charles Schw...  (more)
    Answered Jan 2016
    As a young professional starting a new career, what would you recommend a Roth IRA or IRA?
    I agree with many in this conversation that the type of plan matters less. It is amount saved, allocation, and time that are the key factors, however, going under the assumption that all of those are well handled, I would highly encourage a Roth. Given that you are young and your compounding could...  (more)
    Answered Dec 2015
    I co signed my wife car lease there was damage to the car over 1,000 she never payed then , must i pay them.
    Unfortunately, the answer is yes. The lease company will come to you looking for the funds to cover the cost of the damage if your ex-wife does not pay. Sorry, I wish I had better news. ...  (more)
    Answered Jan 2016
    As a participant in this fund,has my fotm 1099 forn 2015,been mailed out yet?
    I am going to assume that you are looking for a 1099 from a fund that you own in an investment account. If that is the case, then they have until February 15th to mail out your 1099. you should receive it no later than about a week after that. I hope that helps!...  (more)
    Answered Jan 2016
    My husband is no longer employed but he needs to cash out his 401k?
    Hi Ramon, the easiest way to get the funds you are looking for is to have your husband call the HR department of the old company he worked for. If you would like to roll the funds into an IRA for your future retirement, than they can tell you the steps. If you need the cash now, they will walk yo...  (more)
    Answered Mar 2016
    Should I roll over my 401(k) to an IRA?
    I agree and will almost certainly recommend rolling over a 401k into an IRA for the investment selection. With few exceptions, this makes the most sense....  (more)
    Answered Dec 2015
    How do i find my annuity fund?
    Hi Gregory,Unfortunately, I will need more information to properly help you locate your annuity. However, here are a few pieces of information I will need to help you further. Did you purchase the annuity through a private insurer or is this though your job? When was the last time you saw any in...  (more)
    Answered Jun 2016
    Want to get my money?
    Hi Jamie, Can you please be more specific? Where do you want to get your money from and what seems to be the reason you can't?...  (more)
    Answered Apr 2016
    I am doing my tax return and I did not receive a 1099R from Zurich Advantage on my 457 annuity. Should I have ?
    Hi Caron,Yes, you should have and most likely will. Given the deadline for mailing was yesterday, I would give it a week or two before you call Zurich Advantage. They can certainly help you if it was lost....  (more)
    Answered Feb 2016
    How do i cash out my fund?
    I would love to help you Michael, but unfortunately i will need more information to be helpful. What fund are you trying to cash out? ...  (more)
    Answered Feb 2016
    How do i get my 401k?
    The answer depends on what you mean by "get". If you are under 59 1/2 years of age, I assume you would like to roll over your 401k to an IRA. If you are over 59 1/2 you may mean withdraw money from your 401k. Assuming you are under then the easiest route is to contact the custodian of your 401k (...  (more)
    Answered Dec 2015
    For a rollover 401 who is a low risk low cost plan. I am retiring soon.
    That is a good question and a difficult one to answer without knowing a little more about your situation. However, I am happy to give some general advice. For most people in your situation, I would recommend a transfer to a rollover IRA. From there you can manage the investments as you see fit. ...  (more)
    Answered Jun 2016
    401k employer contribution 3rd party won't let me roll over my funds been over two years since worked for union?
    Hi Jon,Sorry you are having this problem. When communicating with your old 401k provider, have you told them that you would like to do a "Direct Rollover"? I have not ever come across the problem of an old 401k provider not allowing a rollover after separation from service. However, we have had ...  (more)
    Answered Nov 2015
    What if U never or havent recieved any papers reguarding your 401k?
    Hi Maria, Your best bet is to reach out to the Human Resources department at the company that offered your 401k. They should be able to put you in contact with the right people to get you a statement or a website login. Good luck!...  (more)
    Answered Jun 2016
    Please tell me where to find my account summary. I need it right away and cannot locate it on your site.
    Hi Cheryl,I am not sure who you are calling, but this is an advice site. Are you sure you are reaching out to the correct organization. Brightscope does not hold any money or funds. Good luck in your search....  (more)
    Answered Dec 2015
    Convert an ira to a roth ira?
    Hi Dave, That is a very good question that often has no hard and fast answer. In some circumstances, converting makes a lot of sense. In others, it does not. Here are the factors to consider when making your decision:1. Tax Bracket - If your tax bracket is currently very low and converting the ...  (more)
    Answered Feb 2016
    Does my financial advisor need to be local to my area to be successful with me?
    I think that this depends on the clients goals and comfort level, but I can tell you that I have many successful client relationships out of our immediate service area. I travel to meet each client face to face once a year and everything else is handled easily using technology (email, phone, skype,...  (more)
    Answered Nov 2015
    I was out of work January to March. Can I take out a small loan from my annuity to pay my rent, and student loans?
    Unfortunately, most likely the answer will be no. However, to be sure, speak with your human resources department to know for sure. Good luck!...  (more)
    Answered Apr 2016
    What do I need to withdraw?
    I would be happy to answer your question, but can you be a little more specific about what you would like to withdraw? ...  (more)
    Answered Apr 2016
    How do i check my account?
    Scott is correct, unfortunately, more information is required. Although, I can tell you if you hold an account at a financial institution I do not know of any that do not give you the ability to check your account online. That may be the best place to start....  (more)
    Answered Feb 2016
    I work for Big Star Can you tell me how to split the 100% or who do I call to be in the plan of 401k plan?
    Hi Elvia, I am a little confused by the question and will need some clarification in order to answer it for you. Are you wondering how to allocate your 401k? In order to participate in your 401k plan, you can call Human Resources (HR) and discuss the plan with them. They can help you enroll if y...  (more)
    Answered Apr 2016
    How can I see my fund balance?
    Just about all custodians (institutions that hold your money) have access to a website where you can check your balance and send statements (either paper or digital) so you can get regular updates on your fund balance. Go to the website of the company that holds your account to learn how to access ...  (more)
    Answered Jan 2016
    Summerville Medical Center?
    Sorry, but I am confused about the question. Do you have a 401k or 403b there you have a question about?...  (more)
    Answered Feb 2016
    I am looking for a current statement regarding the value of my 401K?
    The best place to start is by calling the custodian (investment firm) that holds the assets. If you are not sure who that is, talk to your HR dept. and they should be able to give you the contact information. Good luck!...  (more)
    Answered Apr 2016
    Who can I speak with re retirement distri info from 2 prior employers?
    The best place to start is to call the Broker-Dealer of the old accounts. The Broker-Dealer is the company that holds the investments (Charles Schwab, Fidelity, Vanguard, etc.). i would recommend setting up an IRA and rolling those old accounts into the new IRA. This will give you the ability to ...  (more)
    Answered Aug 2016
    I will be 62 in October and would like to receive my retirement benefits, where do I start?
    Hello Abraham, It sounds like you could use the help of a good fee-only financial planner who focuses on retirement. I would suggest doing a google search for a fee-only CFP in your area and asking their advice on putting together a distribution strategy for your retirement. Good luck!...  (more)
    Answered Aug 2016
    Can i cash out my 401k plan?
    You almost certainly can Kelly, but there are a few things to consider:1. If you are still working for the employer that holds the 401k, you will most likely need to take it in the form of a loan. Talk to HR about your options.2. If you are under 59 1/2 you will most likely pay a 10% penalty fo...  (more)
    Answered Jan 2016
    I am over 50, my new employer doesn't offer retirement benefits? What are my options for funding my retirement account?
    Marcelino,Aaron nailed it. Your options may be limited, but they are pretty good. Remember to safe regularly and diversify and you will have a comfortable future. Good luck!...  (more)
    Answered Feb 2016
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Apr 1, 2020
      • license status
        Not registered
      • disclosures
      • as of date
        Nov 9, 2016
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:



      Last updated on April 1, 2020
        • $27.9M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 76
          number of clients
        • $367.1K
          Estimated Average Account Balance Per Client

      Zynergy Retirement Planning

      Last updated on June 20, 2019
        • $60.2M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 329
        • $183.0K
          Estimated Average Account Balance


      Fee Only Advisor
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements