Wealth manager, wrap-program sponsor · New York, NY
ZOE Financial, Inc.
SEC-registered investment adviser · CRD 285158 · SEC 801-117745
At a glance
ZOE Financial, Inc. is an SEC-registered investment adviser based in New York, New York, with $283 million in regulatory assets under management as of its Form ADV filed October 1, 2026. Its largest client group by assets is individuals, and it reports 1,608 individual clients. By Form ADV it is a wealth manager (wrap-program sponsor), ranked 4,568th of 8,915 wealth managers and 10,462nd of 17,210 SEC-registered advisers by assets.
Main office 646-680-9244zoefinancial.comLinkedInAs filed on Form ADV
- Regulatory AUM
- $283M
- Rank among wealth managers
- #4,568 of 8,915
- Rank among all SEC RIAs
- #10,462 of 17,210
- Rank in New York
- #1,766 of 2,591
- Individual clients
- 1,608
- High-net-worth clients
- 29
- Accounts
- 2,749
- Discretionary
- 42% of AUM
- Employees
- 45
- Advisory staff
- 2
- Offices
- 1
Owners and executives on its Form ADV
- Andres D. GarciaCEO
- Cameron SmithChief Compliance Officer
- Rajesh GaurVP Investment Solutions
Custody and brokerage
Broker-dealer
Hybrid RIA
ZOE Financial, Inc. is a hybrid RIA: 5 of its employees are also registered representatives of a broker-dealer. It names an affiliated broker-dealer: ZOE Securities LLC.
- ZOE Securities LLC ↗CRD 326979
An introducing broker-dealer: its trades clear through Apex Clearing, which holds the brokerage accounts. Its annual audited report filed with the SEC, March 2026
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| Individuals | 1,579 | $195M | 69% |
| High-net-worth individuals | 29 | $89M | 31% |
| Other investment advisers | 81 | $0M | 0% |
Disciplinary disclosures
ZOE Financial, Inc. answers yes to 4 disclosure items in Item 11 of Form ADV (criminal, regulatory or civil matters involving the firm or its advisory affiliates). Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Selecting other advisers
- Other services
How it’s paid
- A percentage of assets under management
- Other
Form ADV and brochures on the SEC’s adviser search ↗zoefinancial.com ↗
SEC and FINRA actions
- SEC, Sep 28, 2026Fiduciary duty and conflicts. Settled without admitting or denying.Official release
AtlasMembers
The full record on ZOE Financial, Inc.
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, 6 years of filings
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- Growth over one, three and five years
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- Rank against 6,495 peers of its type and size
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- Owners and executives, with titles and stakes
- 3 namedLocked
- Main office, fax and compliance officer
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- Filing changes this year, with alerts
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Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Background
Questions
How much does ZOE Financial, Inc. manage?
ZOE Financial, Inc. reports $283 million in regulatory assets under management across 2,749 accounts, 42% of it on a discretionary basis, on its Form ADV filed October 1, 2026.
What kind of firm is ZOE Financial, Inc.?
ZOE Financial, Inc. is a wealth manager by its Form ADV answers. At least half of its regulatory assets are managed for individuals and high-net-worth individuals.
Who are ZOE Financial, Inc.’s clients?
By assets, its largest client types are individuals ($195 million, 1,579 clients); high-net-worth individuals ($89 million, 29 clients); other investment advisers ($0, 81 clients).
Does ZOE Financial, Inc. have any disciplinary history?
ZOE Financial, Inc. answers yes to 4 disclosure items in Item 11 of Form ADV, which covers criminal, regulatory and civil matters involving the firm or its advisory affiliates. The details are on the SEC’s adviser search.
Where these numbers come from
Every figure is ZOE Financial, Inc.’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-09-30), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Ranks compare it by regulatory assets with every SEC-registered adviser and with firms of its type. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →