Circadia Financial Planning is a registered investment advisor located in San Angelo, Texas, founded by Zach Reyes. The firm provides personalized financial planning and investment management services to individuals and high-net-worth individuals. Circadia Financial Planning offers multiple engagement options, including ongoing financial planning, combined financial planning and investment management, standalone investment management, and project-based financial planning. The firm builds portfolios using modern portfolio theory, focusing on asset allocation, diversification, and long-term horizons, and primarily invests in stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents. Circadia Financial Planning operates as a fee-only firm, meaning they are compensated solely through direct client fees and do not accept commissions or third-party product sales compensation.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 0.95% |
| $500K+ | 0.55% |
Rates apply to standalone investment management. Subject to a $3,000 annual household minimum fee. Firm also offers combined ongoing financial planning and investment management for $3,000 annually plus 0.55% of assets managed.