# Z Advisory Innovations

> Z Advisory Innovations is a state-registered investment advisory firm in Waterford, MI, registered since 2024, reporting under $25 million in regulatory assets under management in its Form ADV filing dated September 28, 2026.

- CRD: 331792
- Filed as: Z ADVISORY INNOVATIONS
- Legal name: Zoellner Whole Financial, PLLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Waterford, MI
- Filing period: October 2026
- Form ADV filing dated: September 28, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/331792
- AdvisorCensus page: https://advisorcensus.com/firm/z-advisory-innovations-waterford-mi-331792

## Quick answers

**How is Z Advisory Innovations compensated?**
On its Form ADV (Item 5.E, October 2026), Z Advisory Innovations reports these compensation arrangements: a percentage of assets under its management. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Where is Z Advisory Innovations located?**
Z Advisory Innovations' principal office is in Waterford, MI, according to its Form ADV.

**Is Z Advisory Innovations registered with the SEC or a state?**
Z Advisory Innovations is a state-registered investment advisory firm, registered since 2024. Status as filed: APPROVED. CRD 331792.

**How much does Z Advisory Innovations manage?**
Z Advisory Innovations reports $13,543,614 in regulatory assets under management in its Form ADV filing dated September 28, 2026 (0% discretionary).

**What types of clients does Z Advisory Innovations serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (32); high net worth individuals (17).

**Does Z Advisory Innovations report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/331792

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Regulatory assets under management (Item 5.F)
- Total: $13,543,614
- Discretionary: $0
- Non-discretionary: $13,543,614

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 32 | $5,839,678 |
| High net worth individuals | 17 | $7,703,936 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2024 (2 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- zoellnerwholefinancial.com

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Z Advisory Innovations (CRD 331792): Form ADV filing data as of October 2026.