UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                  SCHEDULE 14A
                                 (Rule 14a-101)
                     INFORMATION REQUIRED IN PROXY STATEMENT

                            SCHEDULE 14A INFORMATION
           Proxy Statement Pursuant to Section 14(a) of the Securities
                              Exchange Act of 1934

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                          Synergy Financial Group, Inc.
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                (Name of Registrant as Specified in Its Charter)

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    (Name of Person(s) Filing Proxy Statement, if other than the Registrant)

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Your vote is very important ... please vote the WHITE card today!

By now you should have received Synergy Financial Group,  Inc.'s proxy statement
and Annual Report on Form 10-K along with a WHITE proxy card.  You may have also
received  material  from PL Capital,  LLC, a dissident  group that is soliciting
proxies  for its own  nominees  for  election  as  directors  in  opposition  to
Synergy's nominees. The future of your Company is at stake. It is very important
that you vote your shares at this year's Annual Meeting. Your Board of Directors
and management  believe you should vote for Synergy's nominees - Nancy A. Davis,
John S. Fiore and W. Phillip  Scott - by  returning  the WHITE proxy card in the
enclosed  postage-paid envelope without delay. Please do not return PL Capital's
green proxy card.

[Photo of Mr. Scott omitted]

W. Phillip Scott, a director since 1996, is a Certified Public  Accountant,  who
serves as Chairman of the Company's Asset / Liability  Management  Committee and
Budget Committee.

[Photo of Ms. Davis omitted]

Nancy A.  Davis has been  with the  Company  and its  predecessors  since  1977,
serving on each Board committee. She has overseen asset growth of more than $900
million.

[Photo of Mr. Fiore omitted]

John S. Fiore President and Chief Executive Officer

Your  investment in Synergy  Financial  Group,  Inc. has performed  very well.

[graphic omitted - graph of stock price performance 2002 - 2006]

In January 2004,  shares of common stock  previously  sold in the September 2002
initial  public  offering  were  exchanged  for new shares at a ratio of 3.7231,
resulting in an adjusted-basis price of $2.69 per share.

A  stockholder  who purchased  shares in Synergy's  initial  public  offering in
September  2002 has seen his or her  original  investment  appreciate  over 400%
through  March 1,  2006  (compared  to 49% for the S&P 500  average)!  Since the
Company's  second-step  offering in January  2004,  shares of Synergy  Financial
Group, Inc. have appreciated 35% (compared to 13% for the S&P 500).

Synergy's  Board of Directors has increased the total return on your  investment
by paying you quarterly cash dividends.

In June 2004, the Company  announced its first  quarterly cash dividend of $0.04
per share. One year later,  Synergy's Board of Directors increased the quarterly
cash dividend 25%, to $0.05 per share.

Our Board  nominees don't  represent ONE group of  stockholders - they represent
ALL stockholders.

Our Board  nominees - including  President and Chief  Executive  Officer John S.
Fiore - have served as directors since before our initial public offering.  They
have  guided  the  Company  through  two  successful  stock  offerings  and  the



implementation  of its strategic  plan,  which is designed to produce  long-term
value for ALL  stockholders.  Our corporate  charter and bylaws have not changed
since we completed our second-step offering,  and our goal remains the same - to
create long-term value for all Synergy Financial Group, Inc. stockholders.

Synergy's  Board of  Directors  has utilized  shareholder-approved,  stock-based
compensation plans to align the interests of directors and employees with yours,
the Company's stockholders.

PL Capital  would have you believe that our  directors  and officers  were given
one-time  windfalls  from the stock  benefit  plans  approved by you in 2003 and
2004.  The truth is that  these  plans  were  used to  encourage  directors  and
employees  to  maximize  the  long-term  value  of your  investment  in  Synergy
Financial Group,  Inc.  through a vesting schedule that requires  benefits to be
earned  gradually,  over five-year  periods.  This is exactly how these programs
were initially  proposed by your Board of Directors,  and exactly why we believe
they were approved by you, our stockholders.

PL Capital's  hostile actions are  unnecessary,  costly and disruptive,  and may
delay or impede our efforts to maximize the value of your investment.

PL Capital's  original concern was that it was  disappointed  with the frequency
and amount of stock repurchases. Ironically, we agree that stock repurchases are
in Synergy's best interest,  and our actions have supported this. In fact, since
receiving  authorization  to repurchase  shares from our regulator in 2005, your
Board of Directors has authorized three stock repurchase programs,  resulting in
the  purchase of over one million  shares in open  market  transactions  through
February 28,  2006.  The Company has also  purchased  almost  500,000  shares of
common stock in open market transactions to fund stockholder-approved restricted
stock plans. Our stock repurchases must take into  consideration  that we do not
have unlimited  capital.  We believe out repurchase  programs have been properly
and  prudently  implemented.  Based on our  cumulative  repurchase  of more than
1,500,000  shares of common  stock - at a cost of more  than $18  million,  it's
difficult for us to understand  this  dissident  group's motive for a costly and
disruptive contest.

The future of your Company is at stake - do not vote for PL  Capital's  nominees
....  throw away the green proxy card!  Remember,  your latest dated proxy is the
only one that  counts,  so return the WHITE  proxy  card even if you  previously
mailed a green proxy card.

If you have any  questions  about  voting,  please  call  Georgeson  Shareholder
toll-free at 1-888-219-8417.  If you have questions about why Synergy's nominees
are the best  choice,  we invite you to call  Kevin  McCloskey  in our  Investor
Relations area at (908) 956-3292.

We have mailed our Proxy  Statement  and our Annual  Report on Form 10-K for the
year  ended  December  31,  2005  to all  stockholders  entitled  to vote at the
Meeting.  We urge you to read the Proxy Statement because it contains  important



information.  You are also able to obtain our Proxy  Statement free of charge at
the website maintained by the Securities and Exchange Commission at www.sec.gov.

Each of the  Company's  directors  may be  deemed to be a  "participant"  in the
Company's  solicitation  of proxies to be used at the Meeting or any adjournment
thereof. Our Proxy Statement contains a complete list of our directors and their
security  holdings of the  Company.  You may contact us to obtain a free copy of
our Proxy Statement.