# ZOE Financial, Inc.

> ZOE Financial, Inc. is an SEC-registered investment advisory firm in New York, NY, registered since 2019, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated October 1, 2026.

- CRD: 285158
- Filed as: ZOE FINANCIAL, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: New York, NY
- Filing period: October 2026
- Form ADV filing dated: October 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/285158
- AdvisorCensus page: https://advisorcensus.com/firm/zoe-financial-inc-new-york-ny-285158

## Quick answers

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

**Where is ZOE Financial, Inc. located?**
ZOE Financial, Inc.'s principal office is in New York, NY, according to its Form ADV.

**Is ZOE Financial, Inc. registered with the SEC or a state?**
ZOE Financial, Inc. is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 285158.

**How much does ZOE Financial, Inc. manage?**
ZOE Financial, Inc. reports $283,473,191 in regulatory assets under management in its Form ADV filing dated October 1, 2026 (42% discretionary).

**How have ZOE Financial, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for ZOE Financial, Inc.: Total employees: 31 in October 2021 and 45 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does ZOE Financial, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,579); other investment advisers (81); high net worth individuals (29).

**Which custodians does ZOE Financial, Inc. use?**
ZOE Financial, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Apex Clearing Corporation and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does ZOE Financial, Inc. report any disciplinary disclosures?**
Reports 4 disclosure items on Form ADV Item 11: yes answers to 11.C(1) (SEC or CFTC finding of a false statement or omission), 11.C(2) (SEC or CFTC finding of a violation), 11.C(4) (SEC or CFTC order), and 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/285158

**What changed in ZOE Financial, Inc.'s recent Form ADV filings?**
In the October 2026 filing data: Item 11 disclosure answers changed: 4 yes answers, previously 0 (now yes: 11.C(1), 11.C(2), 11.C(4), 11.C(5)).

## From the Form ADV filing

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

### Custodians (Schedule D, Section 5.K(3))
- Apex Clearing Corporation
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $283,473,191
- Discretionary: $118,174,160
- Non-discretionary: $165,299,031

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,579 | $194,546,346 |
| High net worth individuals | 29 | $88,926,845 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 81 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 2019 (6 years)
- Employees: 45 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- Disclosures (Item 11): Reports 4 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.C(1): Has the SEC or the CFTC ever found that the firm or an advisory affiliate made a false statement or omission?
- 11.C(2): Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/285158

### Websites listed on Form ADV (Item 1.I)
- findanadvisor.com
- zoefin.com
- zoefinancial.com
- Facebook @zoefinofficial
- Instagram @zoefinancial
- LinkedIn @zoe-financial-inc.
- X @ZOEFINANCIAL
- X @ZoeFinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | Not reported | 31 | September 17, 2021 |
| October 2022 | Not reported | 31 | June 29, 2022 |
| October 2023 | Not reported | 31 | September 25, 2023 |
| October 2024 | Not reported | 45 | September 24, 2024 |
| October 2025 | Not reported | 37 | June 20, 2025 |
| October 2026 | $283,473,191 | 45 | October 1, 2026 |

Total employees: 31 in October 2021 and 45 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Item 11 disclosure answers changed: 4 yes answers, previously 0 (now yes: 11.C(1), 11.C(2), 11.C(4), 11.C(5)).

### April 2026
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. ZOE Financial, Inc. (CRD 285158): Form ADV filing data as of October 2026.