Our Team

Lauren Flanagan Russo, CFP®, MBA

Lauren Flanagan Russo is a Vice-President and a senior planner at Zynergy Retirement Planning, LLC, a financial planning firm specializing in working with mature adults over 50 years old.

Lauren spent the better part of a decade in financial services, beginning at Merrill Lynch and ending at a community bank here in Monmouth County, before joining Zynergy Retirement Planning in 2012.

Lauren has served on many nonprofit boards through the years. Currently, she serves on the board of LeTip of Red Bank and is an active member of her daughters’ PTA. Lauren is a proud co-founder and treasurer of Zynergy Cares, a 501(c)(3) foundation dedicated to improving the community through philanthropy and service.

Lauren holds the Certified Financial Planner™ designation and is also a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA). Lauren is also a Certified Divorce Financial Analyst® professional. Lauren was recently named as a 5 star money manager by New Jersey Monthly Magazine, ranking in the top 2% of all money managers statewide.

Lauren received her Bachelor of Arts in Economics and Business Administration and Spanish from Ursinus College, where she was captain of their Division I field hockey team. She received her MBA from Monmouth University and is a graduate of The College for Financial Planning’s CFP® Certification Professional Education Program.

Lauren lives in Ocean Township, NJ with her husband, six children and their cavapoo.

Bill Gallagher, CFP®, MPAS®

Bill Gallagher is a Senior Planner with Zynergy Retirement Planning, LLC, a financial planning specializing in working with mature adults over 50 years old.

Bill has been in the personal financial planning field for 15 years. Over the course of his career Bill has worked closely with clients to understand their goals and dreams and develop comprehensive wealth management strategies to help individuals and families achieve their long-term financial objectives.

Bill holds the Certified Financial Planner designation and the Master Planner Advanced Studies designation, through the College for Financial Planning. Bill is also a member of the Financial Planning Association (FPA).

Bill received his Bachelor of Science in Economics from Mount St. Mary’s College. He also received a Masters of Science in Personal Financial Planning from the College for Financial Planning.

Bill lives in Ocean Township, NJ with his wife and daughter.

Mary JeBran

Mary JeBran is a Paraplanner at Zynergy Retirement Planning, LLC, a financial planning firm specializing in working with mature adults over 50 years old.

Previously, Mary worked as an agent for New York Life. There, she assessed her clients financial risks and used various insurance and financial products to mitigate those risks.

Mary has spent time in Peru teaching children with autism as well as teaching English. There, she found her passion for helping and educating people which has now transitioned into the financial world. Currently, Mary is working towards her CFP.

Mary graduated from Wagner College with a Bachelor degree in Marketing.

Mary grew up in Bethlehem, Pennsylvania. She lives in Tinton Falls, NJ.

Teresa Kret

Teresa Kret is a Paraplanner for Zynergy Retirement Planning, LLC. Teresa’s wealth of knowledge in the financial services industry, coupled with her innate desire to help people makes her a welcomed addition to our team.

Teresa has worked in retirement services at Prudential Retirement for close to 20 years. As a manager in the 401(k) department, Teresa worked closely with her team of specialists, plan administrators and financial advisors to provide plan participants with exemplary service and to ensure all compliance regulations were satisfied at a plan level.

In addition, she has volunteered at the Raine Foundation and looks forward to assisting her co-workers with Zynergy Cares, a 501 (c)(3) foundation dedicated to improving the community through philanthropy and service.

Teresa graduated from William Paterson University with a Bachelor of Science degree in Marketing.

Teresa grew up in Middletown and currently resides here with her husband and three children.

Michela Zacharcyzk

Michela Zacharczyk is a graduate of the University of Connecticut with a Master’s Degree. Michela is a proud co-founder and secretary of Zynergy Cares, a 501 C 3 foundation dedicated to improving the community through philanthropy and service. She currently lives in Oceanport, NJ with her husband and three children.

Ryan Zacharczyk, CFP®, MBA

Ryan Zacharczyk is the president and founder of Zynergy Retirement Planning, LLC, a financial planning firm specializing in working with mature adults over 50 years old.

For almost a decade, Ryan worked as a financial trader for a Manhattan specialist firm. At this Wall Street organization, he was a specialist on the floor of the American Stock Exchange and New York Stock Exchange making markets in both options and ETF’s. He managed risk for accounts containing assets as large as $80 million.

Ryan has written numerous articles related to retirement and financial planning. He was the personal finance writer for Currents Magazine and Dummies.com. He recently published his first book, “The 7 Deadly Retirement Sins”.

Ryan is a former chairman of the Eastern Monmouth Area Chamber of Commerce. He is a member of the Development Committee at the Two River Theater and a founder of Zynergy Cares, a 501©3 foundation dedicated to improving the community through philanthropy and service.

He holds a Certified Financial Planner™ designation, Certified Retirement Planning Counselor designation, and is an Accredited Wealth Manager Advisor. He is also a member of the Financial Planning Association (FPA) and The National Association of Personal Financial Advisors (NAPFA).

For the past 7 years, Ryan has been named as a 5 star money manager by New Jersey Monthly Magazine. Ryan ranked in the top 2% of all money managers statewide and is regularly featured in their January issue.

Ryan received two degrees from the University of Connecticut, where he was captain of their Division I swim team. His Bachelors of Science is in Business, while his Bachelors of Arts is in Communications. Ryan has also received his MBA in finance from Monmouth University.

Ryan lives in Oceanport, NJ with his wife and three children.