Zach Reyes (CFP®)

Additional Information

I started Circadia because I believe financial planning should match the pace and complexity of the lives it supports. I work with individuals and couples who are earning well but making high-stakes decisions fast—equity comp, student debt, career moves, growing families—and who want a planning partner, not a product salesperson.

My planning is anchored in tax strategy and built around what actually drives outcomes: cash flow, risk management, and making sure your wealth-building doesn't quietly drift from your values. For clients who want me to manage investments too, I do that as a separate engagement—but planning always comes first.

As the spouse of a medical professional, I have a personal appreciation for what it means to work in high-demand, high-responsibility roles. That perspective shapes how I serve healthcare professionals and others whose time and mental bandwidth are already spoken for. Our work together is virtual-first and designed to fit into—not disrupt—your already full life.

I'm a CFP® professional and a fee-only fiduciary. No commissions, no product sales, no hidden agendas.