# Zachary Zwillinger

> Zachary Zwillinger is a fee-only financial advisor at ZZ Planning LLC in New York, New York, who holds the CFP and JD credentials. Zachary charges a flat fee or retainer and an ongoing planning fee (ongoing planning from $4,800 a year) and focuses on flat-fee planning, student loans and retirement planning.

Page: https://find.wellspent.co/advisors/zachary-zwillinger/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** ZZ Planning LLC
- **Based in:** New York, New York
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Fees (firm's website):** ongoing planning from $4,800 a year
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, JD
- **Specialties:** Flat-fee planning, Student loans, Retirement planning, Estate & legacy planning
- **Works with:** Early-career professionals
- **CRD:** 8211363 (https://adviserinfo.sec.gov/individual/summary/8211363)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 65 (2025)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://zzplanning.com

## Frequently asked questions

### Is Zachary Zwillinger a fee-only financial advisor?

Yes. Zachary Zwillinger is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Zachary's firm.

### How does Zachary charge for financial advice?

Zachary charges a flat fee or retainer and an ongoing planning fee.

### How much does Zachary charge?

According to ZZ Planning LLC's website, checked October 28, 2026: ongoing planning from $4,800 a year.

### Where is Zachary Zwillinger based?

Zachary Zwillinger is based in New York, New York.

### What does Zachary specialize in?

Zachary's specialties include flat-fee planning, student loans, retirement planning and estate & legacy planning. Zachary works with early-career professionals.

### What credentials does Zachary Zwillinger hold?

Zachary Zwillinger holds the CFP and JD credentials.

### Is Zachary Zwillinger registered with the SEC?

Yes. Zachary Zwillinger is registered as an investment adviser representative in NY (CRD 8211363), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Zachary Zwillinger?

Through Zachary's website, zzplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/55570): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.zzplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.