What Zoe Financial does

Zoe Financial, Inc. is a Delaware-incorporated wealth management company founded June 1, 2016 and headquartered at 666 Third Avenue, New York. It operates a modern Turnkey Asset Management Platform (TAMP), the Zoe Wealth Platform, for independent RIAs alongside a complementary direct-to-consumer Advisor Match marketplace that connects individuals seeking financial guidance with vetted fiduciary advisors in its curated network. Primary customers are independent RIAs ranging from emerging breakaway firms to national enterprises, with named relationships spanning Mercer Advisors, United Capital Financial Advisors, Creative Planning, Mariner Wealth Advisors, Captrust, Perigon Wealth Management ($7.75B AUM), Procyon ($9B AUM), SteelPeak Wealth ($3.4B AUM), and Falcon Wealth ($1B+ AUM).

The Zoe Wealth Platform is the flagship end-to-end product, combining sub-advisory investment implementation with operational offload: digital onboarding, a proprietary Daily Rebalancer with threshold-based drift logic and fractional-share execution, tax-loss harvesting, direct indexing, household-level wash-sale tracking, FDIC-insured cash sweep, and a Model Marketplace aggregating BlackRock, Morningstar, MSCI, SmartLeaf, State Street, and Vanguard. The platform is multi-custodian (Apex Clearing plus Schwab added in 2025) and ships embedded integrations with Salesforce (the first actionable Salesforce integration in the RIA wealth space) and eMoney Advisor financial planning, with BridgeFT providing data infrastructure. A proprietary Bulk Transition feature compresses RIA book-of-business migrations from weeks to days, and a private-label program lets firms brand the client experience under their own domain. The direct-to-consumer Advisor Match service distributes through zoefin.com and findanadvisor.com and feeds a NerdWallet referral arrangement.

Revenue is generated primarily through AUM-based wrap fees as sponsor and portfolio manager of the Zoe Financial Wrap Program, supplemented by a revenue share on cash swept into Apex's FDIC-Insured Bank Sweep Program, referral compensation from Advisor Match and partner arrangements, and Model Marketplace access fees. Investment advisory services are provided by SEC-registered Zoe Financial (CRD 285158), brokerage by affiliated Zoe Securities LLC (FINRA/SIPC, CRD 326979), and custody/clearing by Apex Clearing Corporation with Schwab as a second custodian. Total disclosed funding is approximately $46.3M, comprising a $10M Series A led by SoftBank's Opportunity Fund in May 2021 and a ~$30M Series B led by Sageview Capital in 2024 with participation from strategic RIA clients Creative Planning, Mariner Wealth Advisors, and Captrust.

Name

Zoe Financial

Legal name

Zoe Financial, Inc.

Website

https://zoefinancial.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Wrap Fee Program / AUM-Based Advisory Fees: As sponsor and portfolio manager of the Zoe Financial Wrap Program, Zoe charges AUM-based advisory fees (basis points) plus strategy/model and platform/service fees, with End-Clients participating through separate advisory agreements with their Advisors and custodial account agreements with Apex.
2. High-Yield Cash Sweep Revenue Share: Zoe Financial and/or Zoe Securities may receive a portion of the fees that Apex earns from participating Program Banks in connection with the FDIC-Insured Sweep Program (cash sweep through Apex Clearing Corp), creating a revenue share on uninvested client cash balances.
3. Advisor Match / Referral Network Compensation: Zoe may receive compensation from Advisors or other third parties in connection with referrals or marketing arrangements (e.g., its referral program for invited RIA partners). Disclosed in Important Solicitation Disclosures, Form ADV, and related regulatory documents.
4. Model Marketplace Access Fees: Zoe may receive fees for providing access to the Model Marketplace (third-party model providers). Zoe does not receive compensation from model providers tied to fund selection or trading volume unless specifically disclosed.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels11 records

Core offering

Zoe Financial operates a modern TAMP (Turnkey Asset Management Platform) called the Zoe Wealth Platform that delivers end-to-end wealth management infrastructure to independent RIAs, including digital account opening, automated daily rebalancing, tax-loss harvesting, direct indexing, fractional trading, multi-custodian support (Apex Clearing and Schwab), and integrations with Salesforce and eMoney. It also operates an Advisor Match marketplace that connects individual consumers with vetted independent fiduciary advisors in its curated network.

Differentiator

Problem solved

Functional benefit

Brands

• Zoe Wealth Platform: Modern, end-to-end wealth management platform enabling financial advisors to manage client investment accounts with digital onboarding, funding, automation, and real-time collaboration tools.
• Advisor Match

Products and services

• Zoe Wealth Platform End-to-end modern TAMP (Turnkey Asset Management Platform) for independent RIAs: digital account opening, automated daily rebalancing, tax-loss harvesting, direct indexing, fractional trading, multi-custodian support (Apex Clearing and Schwab), private-labeling, and Salesforce/eMoney integrations.
• Advisor Match Digital marketplace service that matches individual consumers and families with vetted, independent fiduciary financial advisors from the Zoe Advisor Network based on goals, income, holdings, and location. Free to consumers.
• High-Yield Cash Accounts Brokerage cash account on the Zoe Wealth Platform that automatically sweeps uninvested cash into interest-bearing FDIC-insured deposit accounts at participating Apex Program Banks, offering approximately 3.25% APY as of March 2026.

Quantifiable outcome

• +41 bps rebalancing alpha vs annual rebalancing (10-year backtest, 60/40 model)
• +4 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability10 records

Feature10 records

Partnerships

23 partnerships are on record, tiered flagship (sole approved custodian for the wrap program + clearing/custody for brokerage), major (flagship case study for multi-custodian + direct indexing + mass-affluent), flagship (multi-custodian expansion), core (strategic partnership to accelerate ria growth nationwide), major ($7.75b aum ria partnership), mid (case study ria), flagship (first actionable salesforce integration in ria wealth space), flagship (core financial planning integration), major (case study subject — mckenzie lannon, cfp®), minor (virginia-based ria partnership), major (national ria partnership), flagship (model marketplace anchor provider), flagship (model + indexes provider), flagship (direct indexing co-development), major (rebalancing engine + model provider + direct indexing), major (model marketplace provider), mid (data infrastructure partner), core (referral/affiliate partner), minor (webinar co-panelist) and minor (webinar host — paid endorsement).

• Apex Clearing Corporationflagship (sole approved custodian for the wrap program + clearing/custody for brokerage)Strategic or Co-development Partner · 13 March 2026Sole approved custodian for the Zoe Financial Wrap Program and clearing firm/custodian for client brokerage accounts; powers the FDIC-Insured Bank Sweep Program for High-Yield Cash Accounts and the multi-bank cash sweep to Program Banks. Zoe Financial and/or Zoe Securities may receive a portion of fees Apex earns from participating Program Banks.
• Procyonmajor (flagship case study for multi-custodian + direct indexing + mass-affluent)Strategic or Co-development Partner · 25 February 2026Independent Connecticut-based RIA with $9B AUM adopted Zoe's end-to-end wealth platform to support growth following its acquisition of OLV Investment Group; delivers automated rebalancing, tax-loss harvesting, and fractional share investing to mass-affluent clients with accounts under $1M. Procyon advisors gain access to Zoe's technology and client service team.
• Schwab (Charles Schwab)flagship (multi-custodian expansion)Strategic or Co-development Partner · 1 January 2026Zoe expanded its wealth platform to a multi-custodian model by adding Schwab; in partnership with Zoe, RIAs can now serve clients across both Schwab and Apex while accessing the full suite of Zoe's investment and operational capabilities.
• AdvizorProcore (strategic partnership to accelerate ria growth nationwide)GTM or Marketing Partner · 16 October 2025Strategic partnership with AdvizorPro, a leading provider of financial advisor data and engagement solutions, to accelerate RIA growth across the United States and showcase AdvizorPro's role as a leading data and engagement platform in financial services.
• Perigon Wealth Managementmajor ($7.75b aum ria partnership)Strategic or Co-development Partner · 9 July 2024Strategic partnership with $7.75B AUM (Citywire headline: $7.8B) advisor-led RIA firm to enhance the digital wealth management experience by leveraging Zoe's platform and Perigon's client-first offerings to deliver an outstanding client experience.
• SteelPeak Wealthmid (case study ria)Strategic or Co-development Partner · 1 January 2024$3.4B AUM LA-based RIA firm partnered with Zoe Wealth Platform for scalable growth, enabling it to onboard and manage a growing selection of mass-affluent client accounts with advanced tax-aware investment management.
• Falcon Wealthmid (case study ria)Strategic or Co-development Partner · 1 January 2024$1B+ AUM California-based RIA adopted the Zoe Wealth Platform as an outsourced growth engine to efficiently onboard and manage mass-affluent client accounts with advanced tax-aware investment management.
• Salesforceflagship (first actionable salesforce integration in ria wealth space)Technology or Integration · 1 January 2024Zoe announced a new integration with Salesforce: the first actionable Salesforce integration for an RIA wealth platform. Brings advisor workflows and real-time account data from the Zoe Wealth Platform directly into the Salesforce CRM, including account opening, ACH cash transfers with withholding, and account funding from Salesforce.
• eMoney Advisorflagship (core financial planning integration)Technology or Integration · 1 January 2024Data feed integration with eMoney Advisor: advisors add a "Zoe Wealth Platform - Direct Feed" connection in eMoney, enter their Zoe Repcode, and balances populate in 24–48 hours. Keeps client profiles, accounts, holdings, and projections continuously updated.
• United Capital Financial Advisorsmajor (case study subject — mckenzie lannon, cfp®)Strategic or Co-development Partner · 1 January 2022United Capital selected Zoe as its digital wealth platform solution, uniting Zoe's technology with United Capital's client-first services and culture of innovation. McKenzie Lannon, CFP® is a United Capital advisor on the Zoe network and is featured in a Zoe case study (RIA Onboarding Efficiency).
• Capasso Planning Partnersmid (case study ria)Strategic or Co-development Partner · 1 January 2022Registered independent advisory firm whose growth was supercharged by Zoe's wealth platform beyond lead generation; Zoe released data on the partnership outcome.
• Craftwork Capital LLCminor (virginia-based ria partnership)Strategic or Co-development Partner · 1 January 2022Partnership with Virginia-based wealth planning RIA Craftwork Capital LLC announced on the Zoe press page.
• Mercer Advisorsmajor (national ria partnership)Strategic or Co-development Partner · 3 November 2021Strategic partnership with the renowned national registered investment adviser Mercer Advisors, announced in November 2021.
• BlackRockflagship (model marketplace anchor provider)Technology or IntegrationFeatured Model Marketplace provider on the Zoe Wealth Platform; BlackRock's models are available as part of pre-configured Multi-Manager Models with built-in, tax-aware settings and tax-loss harvesting.
• Morningstar (Morningstar Indexes)flagship (model + indexes provider)Technology or IntegrationFeatured Model Marketplace provider on the Zoe Wealth Platform; Zoe is integrating Morningstar Indexes, with Morningstar's Core US equity indexes added first and potential to expand offerings over time. Morningstar Indexes also a Direct Indexing model provider.
• MSCIflagship (direct indexing co-development)Strategic or Co-development PartnerStrategic collaboration with MSCI, a leading provider of indexes and other critical decision support tools, to transform direct indexing for RIAs; MSCI is also a Direct Indexing model provider on the Zoe platform.
• SmartLeafmajor (rebalancing engine + model provider + direct indexing)Technology or IntegrationSmartLeaf's software platform was selected by Zoe Financial to deliver personalized, tax-optimized rebalancing; SmartLeaf provided the backtest simulation data underlying Zoe's decade-long rebalancing analysis. SmartLeaf is also a featured Model Marketplace provider and Direct Indexing provider.
• State Streetmajor (model marketplace provider)Technology or IntegrationFeatured Model Marketplace provider on the Zoe Wealth Platform; State Street's models are available as part of pre-configured Multi-Manager Models with built-in, tax-aware settings and tax-loss harvesting.
• Vanguardmajor (model marketplace provider)Technology or IntegrationFeatured Model Marketplace provider on the Zoe Wealth Platform; Vanguard investment strategies are designed by leading firms and delivered through Zoe's modern platform, customized by the client's advisor.
• BridgeFTmid (data infrastructure partner)Technology or IntegrationZoe selected BridgeFT's WealthTech-as-a-Service offering to power its data connectivity and infrastructure and remedy the complex, disjointed tech stacks that plague many high-performing advisors.
• NerdWalletcore (referral/affiliate partner)GTM or Marketing PartnerZoe has a referral agreement with NerdWallet that creates a conflict of interest; NerdWallet's "Best Online Financial Advisor" rating for '22, '23, '24 was based on several criteria to compare companies. Zoe's affiliate data supports its referral business.
• Crusonia Wealth Advisorsminor (webinar co-panelist)Implementation/ SI/ Consulting PartnerCrusonia Wealth Advisors principal Jason Alderson, CFP®, CDFA®, was a guest panelist on Zoe's "Crack Organic Growth and Scale Efficiently Once You Do" webinar, sharing best practices on prospecting and scaling; Crusonia is a firm in the Zoe Advisor Network.
• Bob Veres / Inside Informationminor (webinar host — paid endorsement)GTM or Marketing PartnerBob Veres of Inside Information hosted Zoe's "Crack Organic Growth and Scale Efficiently" webinar. Zoe Financial provided cash compensation to Bob Veres for his participation; he is not employed by Zoe Financial.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Envestnet: Largest incumbent TAMP in the U.S. RIA market, offering TAMPs, financial planning, and data analytics through the Tamarac and Yodlee platforms. Directly comparable to Zoe as a turnkey platform serving RIAs, but Envestnet's stack is older and broader in scope.
• Fidelity Institutional: Custodian and integrated wealth platform serving RIAs with custody, brokerage, and practice-management tools. Comparable as a custodian-and-platform incumbent; one of the source custodians Zoe supports via Bulk Transition (ACAT transfers) from Fidelity.
• Schwab Institutional (Advisor Services): Custodian and integrated platform serving RIAs, including rebalancing and reporting via Schwab Portfolio Connect. Directly comparable to Zoe as a TAMP/custody provider now that Zoe is multi-custodian on Schwab, and the dominant incumbent Zoe must win against.

Direct peers

• Addepar: Data and portfolio analytics platform serving RIAs, family offices, and institutional investors. Comparable to Zoe's portfolio-management and direct-indexing capabilities, with similar modern architecture and a focus on high-net-worth and complex household reporting.
• Orion Advisor Technology: Modern wealthtech platform offering portfolio management, rebalancing (iRebal), reporting (Orion Reporting), and CRM (Redtail) for RIAs. Closely comparable to Zoe across rebalancing, model marketplace, and CRM integration, and competes head-to-head for mid-to-large RIA accounts.
• Black Diamond (Advent): Performance reporting and portfolio management platform for RIAs, part of the SS&C Advent ecosystem. Comparable to Zoe's reporting and portfolio-management modules, and competes for mid-to-large RIA accounts with similar fee structures.

Emerging players

• RightCapital: Financial planning software integrated with RIA workflows. Adjacent to Zoe's eMoney integration — comparable in that both compete for advisor mindshare on planning-driven workflows and offer consumer-facing tools.
• iCapital: Alternative-investments platform serving RIAs and wealth managers with structured access to private markets, hedge funds, and direct-indexing offerings. Comparable to Zoe as a modern wealthtech platform layering institutional capabilities onto RIA practices.
• Altruist: Custodial RIA platform combining modern custody with portfolio management, rebalancing, and CRM for RIAs. Comparable to Zoe as a modern, integrated platform targeting smaller to mid-market RIAs with white-label client experiences.
• Pontera: Platform enabling advisors to manage and report on held-away accounts (e.g., 401(k)s) for clients. Comparable as an emerging modern wealthtech platform extending advisor reach into mass-affluent accounts, similar to Zoe's mass-affluent positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/zoefinofficial
• LinkedInlinkedin.com/company/zoe-financial-inc.
• Instagraminstagram.com/zoefinancial
• Xx.com/ZoeFinancial

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors13 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zoe Financial