Modern Wealth,
Made Simple
Modern Wealth,
Made Simple
Modern Wealth,
Made Simple
We built the Zoe Wealth Platform so your advisor can deliver better outcomes for you, through a smarter and more personalized platform.
We built the Zoe Wealth Platform so your advisor can deliver better outcomes for you, through a smarter and more personalized platform.
We built the Zoe Wealth Platform so your advisor can deliver better outcomes for you, through a smarter and more personalized platform.
The information in the visuals above is for illustrative purposes only and does
not represent an actual user's account, balance, or return.
Designed for Better Outcomes
Designed for Better Outcomes
Precision Investing with
Fractional Trading
Your advisor’s strategy is implemented down to the penny. Fractional trading ensures every dollar is invested exactly as intended, leaving no idle cash and no missed opportunities.
Complete Household-level Visibility
See your family’s full financial picture in one place, across accounts and goals. Zoe keeps you and your advisor aligned on what matters most.
Tax Efficiency, Built In
Zoe’s technology automatically identifies opportunities to offset gains through tax-loss harvesting and direct indexing, advanced strategies once reserved for institutional investors.
Institutional-Grade Portfolios
Access investment strategies designed by leading firms like BlackRock, Vanguard, and State Street, delivered through Zoe’s modern platform and customized by your advisor.
Precision Investing with Fractional Trading
Your advisor’s strategy is implemented down to the penny. Fractional trading ensures every dollar is invested exactly as intended, leaving no idle cash and no missed opportunities.
Complete Visibility, Household-Wide
See your family’s full financial picture in one place, across accounts, goals, and performance. Zoe keeps you and your advisor aligned on what
matters most.
Tax Efficiency, Built In
Zoe’s technology automatically identifies opportunities to offset gains through tax-loss harvesting and direct indexing, advanced strategies once reserved for institutional investors.
Institutional-Grade Portfolios
Access investment strategies designed by leading firms like BlackRock, Vanguard, and State Street, delivered through Zoe’s modern platform and customized by your advisor.
Exceptional Service,
Powered by Technology
Exceptional Service,
Powered by Technology
Exceptional Service,
Powered by Technology
At Zoe, technology personalizes the experience, but our people make it feel human.
At Zoe, technology personalizes the experience, but our people make it feel human.
We have a dedicated team that is here to service you.
We have a dedicated team that is here to service you.
We have a dedicated team that is here to service you.
We call it white-glove wealth management for the modern era, where no question is ever too small and no request is too big.
We call it white-glove wealth management for the modern era, where no question is ever too small and no request is too big.
Technology You Can Rely On
Technology You
Can Rely On
Technology You Can Rely On
Your Assets Are Secure
Your Assets Are Secure
Investment accounts are protected by SIPC coverage up to applicable limits, and cash balances are FDIC-insured through our partner banks.
Investment accounts are protected by SIPC coverage up to applicable limits, and cash balances are FDIC-insured through our partner banks.
Investment accounts are protected by SIPC coverage up to applicable limits, and cash balances are FDIC-insured through our partner banks.
Your Data Stays Private
We use bank-level encryption, multi-factor authentication, and continuous security monitoring to protect your information. Sensitive data is never shared without your consent.
We use bank-level encryption, multi-factor authentication, and continuous security monitoring to protect your information. Sensitive data is never shared without your consent.
We use bank-level encryption, multi-factor authentication, and continuous security monitoring to protect your information. Sensitive data is never shared without your consent.
Reliable. Transparent. Tested.
Reliable. Transparent. Tested.
Zoe’s infrastructure undergoes regular third-party audits and adheres to the highest industry standards for cybersecurity, data protection, and business continuity.
Zoe’s infrastructure undergoes regular third-party audits and adheres to the highest industry standards for cybersecurity, data protection, and business continuity.
Zoe’s infrastructure undergoes regular third-party audits and adheres to the highest industry standards for cybersecurity, data protection, and business continuity.
Recognized By Industry Leaders
Recognized By Industry Leaders
Recognized By The
Industry Leaders
We'd been recognized by leading industry institutions for redefining how
advisors and clients experience modern wealth management.
We'd been recognized by leading industry institutions for redefining how
advisors and clients experience modern wealth management.
Read Our Client Reviews
Read Our Client Reviews
Our clients are our north star. Here's what they have to say about their experience finding an advisor through Zoe.
Our clients are our north star. Here's what they have to say about their experience finding an advisor through Zoe.
07/26/2026
"Zoe connected me to two excellent advisors, both of whom went above and beyond even just in our initial calls: Giving me advice, creating models tailored to my portfolio, spending hours with me on the phone and in-person, and beyond—all without any money changing hands or contracts being signed. I've since signed on with one of them, and I'm thrilled. Work with Zoe—there's nothing to lose, and everything to gain."
Drew S.
09/24/2025
"Zoe Financial was a great resource as I started my journey and search for financial planning help. They helped set up great connections and their team is extremely communicative and helpful!"
Katie G.
05/09/2025
"Zoe Financial made the process of finding a Financial Consultant so easy. From setting up appts and following up with calls and emails. I highly recommend them."
Holly P.
04/08/2025
"Beyond my imagining! I have had two negative experiences with advisors, and I am now confident I'm with the right person for my needs. They set up two interviews, and both were professional. One was exceptional! I completed my "intake" today. All good."
Michael W.
03/09/2025
"For years I hesitated working with a financial planner because I did not know how to find one. Using Zoe was easy and stressless. They walk you through the process, and provide advice on questions to ask potential advisors. Both professionals that Zoe recommended seemed top-notch and easy to talk to. The most difficult part of the process was deciding which to choose. Ultimately, I am confident that I have chosen a highly effective advisor who took the time to understand my needs and will provide the expertise to ensure my goals are met."
Mary W.
01/24/2025
"After being recommended Zoe Financial by one of the money newsletters I follow, I reached out and was guided through a non-pressure process to find a solution for our financial planning needs. We were matched to the incredible team who have been able to capture the challenges of our international portfolio and guide us with a "no golf" policy so no pesky referral fees that can cloud what is the best independent advice for us. Thanks, Zoe - so far we are a marriage made in heaven."
Emma B.
12/16/2024
"I did not want to hear from Zoe after finding out they were a referral service, so I didn't click submit after filling the online form and reading the fine print. They still reached out to me and since I was still in search mode remained open in hopes I would at least get an opinion of some value. In the end the firm with whom they connected me was a perfect fit, providing comprehensive services not found elsewhere. I'll call it luck, but maybe not ! ?"
Mark T.
12/20/2024
"I was hesitant at first in trusting the internet to find me a financial advisor but I will gladly say that Zoe financial (...). Made the entire experience incredibly efficient and easy to get through compared to when I picked my first financial advisor myself. Hopefully I won't need another financial advisor but if when the time comes Zoe would be my first choice to find me a new one"
Matt P.
07/31/2024
"The turn around from completing the questionnaire and the results was fast. The fact that they set up the initial meeting on your schedule was very nice. The added contact person asking you how the process is going and being willing to talk personally to help make a decision or clarify things is a wonderful bonus. I am very happy with how the entire process went and how fast I was able to find a company/advisor I feel comfortable with."
Jannette B.
06/10/2024
"Great company to go through if you're overwhelmed with the selection of financial advisors. Zoe was able to easily match me with potential advisors in their network based on my specific preferences and needs, and I was ultimately able to find an advisor. Thanks Zoe!"
Luke
04/24/2024
"Excellent knowledge of financial advisor business and superior customer service. All of our questions were quickly answered and we are aligned with a firm that far exceeds our expectations. "
Glenn Y.
02/20/2024
"I was matched with a financial planner with Zoe Financial over 2 years ago. The experience was great and they provided several good options for interviews. The fee structure was very clear and reasonable. The advisor I chose has been fantastic and meets with me quarterly to discuss all my investments, taxes and life planning strategies. Met with my advisor today and he is doing very well with my returns. I would recommend Zoe and their advisors to anyone that wants an independent advisor not tied to selling you their products."
Marcia G.
11/22/2023
"If I could give Zoe 10 stars, I would. I worked with [Client Manager]. He was sincerely committed to finding the best fitting Financial Advisor for me. And he succeeded. In addition, he was responsive, knowledgeable and committed to listening and HEARING what my preferences were in an Advisor. I highly recommend Zoe to pair you with the perfect person to work with you."
Teri G.
08/30/2023
"My experience with Zoe was very positive. The people I spoke with were knowledgeable and very helpful. It was a good experience for me as a person who did not know where to start with my financial planning. It was so easy!"
Peggy B.
03/08/2023
"As someone new to this process, I was given good explanations into what services are provided, what questions to ask to evaluate advisors and had lots of assistance walking me through the process. Highly recommend!"
M Drake
02/27/2023
"The quality of the three referrals were top notch, I feel I could have thrown darts and not gone wrong. The choices were good enough that the final decision was subjective, I chose an advisor closer to my age."
Roger T.
07/26/2026
"Zoe connected me to two excellent advisors, both of whom went above and beyond even just in our initial calls: Giving me advice, creating models tailored to my portfolio, spending hours with me on the phone and in-person, and beyond—all without any money changing hands or contracts being signed. I've since signed on with one of them, and I'm thrilled. Work with Zoe—there's nothing to lose, and everything to gain."
Drew S.
09/24/2025
"Zoe Financial was a great resource as I started my journey and search for financial planning help. They helped set up great connections and their team is extremely communicative and helpful!"
Katie G.
05/09/2025
"Zoe Financial made the process of finding a Financial Consultant so easy. From setting up appts and following up with calls and emails. I highly recommend them."
Holly P.
04/08/2025
"Beyond my imagining! I have had two negative experiences with advisors, and I am now confident I'm with the right person for my needs. They set up two interviews, and both were professional. One was exceptional! I completed my "intake" today. All good."
Michael W.
03/09/2025
"For years I hesitated working with a financial planner because I did not know how to find one. Using Zoe was easy and stressless. They walk you through the process, and provide advice on questions to ask potential advisors. Both professionals that Zoe recommended seemed top-notch and easy to talk to. The most difficult part of the process was deciding which to choose. Ultimately, I am confident that I have chosen a highly effective advisor who took the time to understand my needs and will provide the expertise to ensure my goals are met."
Mary W.
01/24/2025
"After being recommended Zoe Financial by one of the money newsletters I follow, I reached out and was guided through a non-pressure process to find a solution for our financial planning needs. We were matched to the incredible team who have been able to capture the challenges of our international portfolio and guide us with a "no golf" policy so no pesky referral fees that can cloud what is the best independent advice for us. Thanks, Zoe - so far we are a marriage made in heaven."
Emma B.
12/16/2024
"I did not want to hear from Zoe after finding out they were a referral service, so I didn't click submit after filling the online form and reading the fine print. They still reached out to me and since I was still in search mode remained open in hopes I would at least get an opinion of some value. In the end the firm with whom they connected me was a perfect fit, providing comprehensive services not found elsewhere. I'll call it luck, but maybe not ! ?"
Mark T.
12/20/2024
"I was hesitant at first in trusting the internet to find me a financial advisor but I will gladly say that Zoe financial (...). Made the entire experience incredibly efficient and easy to get through compared to when I picked my first financial advisor myself. Hopefully I won't need another financial advisor but if when the time comes Zoe would be my first choice to find me a new one"
Matt P.
07/31/2024
"The turn around from completing the questionnaire and the results was fast. The fact that they set up the initial meeting on your schedule was very nice. The added contact person asking you how the process is going and being willing to talk personally to help make a decision or clarify things is a wonderful bonus. I am very happy with how the entire process went and how fast I was able to find a company/advisor I feel comfortable with."
Jannette B.
06/10/2024
"Great company to go through if you're overwhelmed with the selection of financial advisors. Zoe was able to easily match me with potential advisors in their network based on my specific preferences and needs, and I was ultimately able to find an advisor. Thanks Zoe!"
Luke
04/24/2024
"Excellent knowledge of financial advisor business and superior customer service. All of our questions were quickly answered and we are aligned with a firm that far exceeds our expectations. "
Glenn Y.
08/30/2023
"My experience with Zoe was very positive. The people I spoke with were knowledgeable and very helpful. It was a good experience for me as a person who did not know where to start with my financial planning. It was so easy!"
Peggy B.
02/20/2024
"I was matched with a financial planner with Zoe Financial over 2 years ago. The experience was great and they provided several good options for interviews. The fee structure was very clear and reasonable. The advisor I chose has been fantastic and meets with me quarterly to discuss all my investments, taxes and life planning strategies. Met with my advisor today and he is doing very well with my returns. I would recommend Zoe and their advisors to anyone that wants an independent advisor not tied to selling you their products."
Marcia G.
11/22/2023
"If I could give Zoe 10 stars, I would. I worked with [Client Manager]. He was sincerely committed to finding the best fitting Financial Advisor for me. And he succeeded. In addition, he was responsive, knowledgeable and committed to listening and HEARING what my preferences were in an Advisor. I highly recommend Zoe to pair you with the perfect person to work with you."
Teri G.
03/08/2023
"As someone new to this process, I was given good explanations into what services are provided, what questions to ask to evaluate advisors and had lots of assistance walking me through the process. Highly recommend!"
M Drake
02/27/2023
"The quality of the three referrals were top notch, I feel I could have thrown darts and not gone wrong. The choices were good enough that the final decision was subjective, I chose an advisor closer to my age."
Roger T.
The preceding testimonials were provided by actual users of the Zoe Financial advisor matching service (Drew S. - 07/26/2026), (Katie G. - 09/24/2025), (Holly P. - 05/09/2025), (Michael W. - 04/08/2025), (Mary W. - 03/09/2025), (Emma B. - 01/24/2025), (Mark T. - 12/16/2024), (Matt P. - 12/20/2024), (Jannette B. - 07/31/2024), (Luke - 06/10/2024), (Glenn Y. - 04/24/2024), (Marcia G. - 02/20/2024), (Teri G. - 11/22/2023), (Peggy B. - 08/30/2023), (M Drake - 03/08/2023), (Roger T. - 02/27/2023), (Rick - 07/08/2022). No compensation was provided for the testimonials. These testimonials and endorsements do not guarantee a level of success, nor do they guarantee that all users will have the same experience. Zoe Financial and Trust Pilot are not affiliated. Image for illustrative purposes.
Overview
Platform Features
Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.
The information in the visuals are for illustrative purposes only, and doesn’t represent an actual user’s account, balance, or return. Zoe Financial does not provide tax or legal advice.
Fiduciary Advisors shown not affiliated or endorsed by Zoe Financial
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
Copyright © 2026 Zoe Financial, Inc. | All rights reserved | Sitemap
Looking to find a vetted financial advisor? Search for a financial advisor on our sister site:
Overview
Platform Features
Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.
The information in the visuals are for illustrative purposes only, and doesn’t represent an actual user’s account, balance, or return. Zoe Financial does not provide tax or legal advice.
Fiduciary Advisors shown not affiliated or endorsed by Zoe Financial
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
Copyright © 2026 Zoe Financial, Inc. | All rights reserved | Sitemap
Looking to find a vetted financial advisor?
Search for a financial advisor on our sister site:
Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Financial provides investment advisory services and access to independent registered investment advisers through its platform. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website. The information provided by Zoe Financial is for educational and informational purposes only and should not be construed as personalized investment advice or as an offer to buy or sell any security. All investments involve risk, including possible loss of principal.
The information in the visuals are for illustrative purposes only, and doesn’t represent an actual user’s account, balance, or return. Zoe Financial does not provide tax or legal advice.
Fiduciary Advisors shown not affiliated or endorsed by Zoe Financial
Strategies and techniques discussed—including fractional trading, direct investing, asset allocation, rebalancing, tax-loss harvesting, and direct indexing—may not be suitable for all investors, may have limitations, and can trigger fees, expenses, and tax consequences.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
Looking to find a vetted financial advisor?
Search for a financial advisor on our sister site:
Copyright © 2026 Zoe Financial, Inc. | All rights reserved | Sitemap
High Yield Cash Accounts
Your cash shouldn’t sit idle. Zoe’s high-yield accounts earn 3.75% APY, several times the national average, so even the money waiting to be invested keeps working for you.
Tax Efficiency, Built In
Zoe’s technology automatically identifies opportunities to offset gains through tax-loss harvesting and direct indexing, advanced strategies once reserved for institutional investors.
Precision Investing with
Fractional Trading
Your advisor’s strategy is implemented down to the penny. Fractional trading ensures every dollar is invested exactly as intended, leaving no idle cash and no missed opportunities.
Institutional-Grade Portfolios
Access investment strategies designed by leading firms like BlackRock, Vanguard, and State Street, delivered through Zoe’s modern platform and customized by your advisor.
Complete Visibility,
Household-Wide
See your family’s full financial picture in one place, across accounts, goals, and performance. Zoe keeps you and your advisor aligned on what matters most.
Effortless Access,
Wherever You Are
From digital onboarding to mobile access, Zoe makes it easy to open accounts, fund them, and track progress securely, all in one intuitive experience.