Hi, I’m Zach Reyes, a CERTIFIED FINANCIAL PLANNER™ professional and founder of Circadia Financial Planning. I created Circadia to make financial planning feel approachable, personal, and grounded in real-life experience—not just numbers.

My journey began with a Master’s in Personal Financial Planning from Texas Tech, followed by years of hands-on experience at a boutique financial planning firm and a regional wealth management/trust institution where I advised clients with over $1 billion in combined assets. Through that work, I learned that the best financial advice isn’t just about wealth—it’s about aligning your money with your life and planning with purpose.

I am passionate about working with Millennial and Gen X clients, as well as medical professionals—especially those navigating career transitions, complex benefits, and growing responsibilities. My wife is a Nurse Practitioner, so I’ve seen firsthand how challenging it can be to balance demanding work with long-term goals.

Circadia is built around what matters most: your values, your priorities, your rhythm. Let’s create a plan that gives you confidence and clarity to move forward.