Zoe Financial, Inc.

Registered investment adviser · New York, NY · CRD #285158

Form ADV data as of 2026-09-01

Regulatory assets

$283.5 million

Total accounts

2,749

Employees

Disclosure events

Firm details

Website: https://www.instagram.com/zoefinancial/?hl=en
Telephone: 646-680-9244
SEC file number: 801-117745
Most recent Form ADV filing: 2026-08-12
SEC record: View this firm on the SEC's IAPD site

Disciplinary disclosures

This firm answered No to every Item 11 disciplinary question on its most recent Form ADV filing.

Assets and accounts

Provides continuous and regular supervisory or management services	Yes
Discretionary regulatory assets under management	$118.2 million
Non-discretionary regulatory assets under management	$165.3 million
Total regulatory assets under management	$283.5 million
Discretionary accounts	1,143
Non-discretionary accounts	1,606
Total accounts	2,749
Regulatory assets under management attributable to non-U.S. persons	$0

People

Total employees (excluding clerical)	45
Employees performing investment advisory functions (including research)	2
Employees who are registered representatives of a broker-dealer	5
Employees registered as investment adviser representatives with a state	10
Employees registered as IARs for another investment adviser	0
Employees who are licensed insurance agents	0
Firms or persons who solicit advisory clients on the firm's behalf	0

Custody

Has custody of client cash or bank accounts	No
Has custody of client securities	No
A related person has custody of client cash or bank accounts	No
A related person has custody of client securities	No
The firm acts as a qualified custodian	No
A related person acts as a qualified custodian	No
Number of persons acting as qualified custodians for the firm's clients	1

How the firm is compensated

A percentage of assets under managementOther

Advisory services offered

Financial planning servicesPortfolio management for individuals and/or small businessesSelection of other advisers (including private fund managers)Other

Affiliated related persons

Broker-dealer, municipal securities dealer, or government securities broker or dealer

Reported conflicts of interest

Form ADV Items 8 asks advisers to disclose arrangements that may create a conflict with client interests. This firm answered Yes to:

Buys or sells for itself securities it also recommends to clients
Recommends brokers or dealers to clients
Brokers or dealers recommended under 8.E. are related persons
Compensates a non-employee for client referrals
Provides employee compensation specifically for obtaining clients
Receives compensation from others for client referrals

Client types

Type of client	Clients	Assets
Individuals (other than high net worth individuals)	1,579	$194.5 million
High net worth individuals	29	$88.9 million
Other investment advisers	81	$0