Our Team

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.

Grace Gallagher

Grace Gallagher is an Assistant Planner with Zynergy Retirement Planning, LLC, a financial planning firm specializing in working with mature adults over 50 years old.

Grace graduated from Fairfield University, Dolan School of Business, with a Bachelor of Science Degree in Finance and a minor in Mathematics. Prior to interning and subsequently joining Zynergy in a full-time role, Grace held several customer service positions which honed her skills in assisting and supporting business clients.

Grace has been an active volunteer in her community, serving senior citizens, and working with special needs children at Special Strides Therapeutic Riding Academy and Zynergy Cares, a 501©(3) foundation dedicated to improving the community through philanthropy and service.

Grace lives in Spring Lake, enjoying time near the beach with her dog, Luna.

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.

Joe Shiroky

Joe’s diverse work history has included tenures in collegiate academic administration (including budgeting), publishing, entertainment law (including business and financial management), and insurance legal defense, among others.

His background in performing and creative arts and in hospitality will facilitate his curating offerings for Zynergy Shares, and his experience as an educator will be helpful in assisting with the Zynergy Cares scholarship program.

Joe is a graduate of City University of New York. A native of New York, he currently resides in Monroe.

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.