Company Dossier
· Wealthtech
· New York, USA
· Est. 2018
Zoe Financial
MODERN WEALTH FOR CLIENTS AND ADVISORS
The company vetting your next financial advisor - and building the software that advisor runs on.
The company vetting your next financial advisor - and building the software that advisor runs on.
Ask most Americans how they found their financial advisor and the answer is usually a shrug: a friend's referral, a name from the bank, a cold call that happened to land. Zoe Financial was built to replace the shrug with a process.
The company does two things that are usually kept apart. First, it runs a free service that matches individuals and families with independent, fee-only fiduciary advisors - the kind legally required to act in a client's interest. Before an advisor can appear in a match, they have to clear a bar: a CFP, CFA, or CPA credential, at least five years of experience, and a fiduciary, fee-only structure. Zoe says roughly 95% of applicants never make it through.
Second, Zoe gives those advisors the software to run a modern practice. The Zoe Wealth Platform folds account opening, funding, money movement, billing, reporting, and client portals into a single system - along with automated rebalancing, tax-loss harvesting, direct indexing, and commission-free fractional trading.
The result is a two-sided business: consumers get a vetted introduction, advisers get infrastructure, and Zoe sits in the middle of both. It is not a robo-advisor and not a bank. It is closer to the connective tissue between a person with money and a professional equipped to manage it.
Zoe's founding pitch was blunt: the richest families have a financial quarterback managing the whole picture. Everyone else is left assembling advice piece by piece.
For clients, the problem Zoe attacks is trust and access. Finding a competent advisor is hard, verifying that they are a genuine fiduciary is harder, and the paperwork that follows is its own deterrent. Zoe compresses that into an online questionnaire, a short list of pre-screened advisors, and free introductory calls - at no cost to the client.
For advisors and RIA firms, the problem is different but related: how to grow, and how to serve clients efficiently. Independent advisors are strong on relationships and weak on modern operational tooling. Zoe supplies leads on one side and an operating system on the other, so a small firm can look and run like a large one.
Its customers, then, come in two forms: high-earning professionals and families seeking a trustworthy planner - the company describes "thousands of clients" - and the independent advisors and RIAs who pay to sit inside the network and use the platform.
From the first match to daily portfolio housekeeping, the stack is designed to keep a client and their advisor inside one system.
A free service that pairs clients with vetted, fee-only fiduciary advisors after screening on credentials, experience, and fiduciary standard - rejecting about 95% of applicants.
An all-in-one system for advisors and clients: account opening, funding, money movement, billing, reporting, client portals, and mobile access.
Automated rebalancing, tax-loss harvesting, tax-efficient rebalancing, direct indexing, a model marketplace, and commission-free fractional-share trading via Zoe Securities and Apex Clearing.
White-label branding, multi-custodian support, daily reconciliation, and integrations with tools like Salesforce and eMoney - built to let firms scale without adding back office.
Robo-advisors bet on removing the human. Zoe bet on keeping the human and equipping them. The distinction shows up across the market.
| Dimension | Zoe Financial | Typical Robo-Advisor | Old-School Referral |
|---|---|---|---|
| Who advises you | Vetted human fiduciary | Algorithm | Whoever you're pointed to |
| Screening | ~95% of advisors rejected | N/A | None |
| Cost to client | Free matching | Low % fee | Varies / opaque |
| Advisor tooling | Full wealth platform | None | Advisor's own stack |
| Tax & direct indexing | Built in | Sometimes | Depends |
The defensibility is the filter and the platform together. A referral site can send you names; a robo can invest your cash. Zoe's argument is that people want a vetted person and the efficiency of software, and that owning both sides is harder to copy than either alone.
Zoe charges consumers nothing. Advisors pay a referral fee when matched and pay to use the platform - a SaaS-plus-marketplace model. The capital tells its own story.
The 2025 Series B, led by Sageview Capital, is notable for who else showed up: CAPTRUST, Creative Planning, Mariner Wealth Advisors, Perigon Wealth Management, and Falcon Wealth Planning - large RIA firms that, in another light, look like competitors. They chose to back the platform instead of building it. Zoe says the money will expand its Wealth Platform and grow the team.
Andres Garcia-Amaya, CFA, founded Zoe in 2018 after a career inside the institutions the company now works around. He began as an Institutional Equity Sales Trader at Morgan Stanley, earned an MBA at the Wharton School, and rose through Executive Director roles at J.P. Morgan Asset Management, which oversees more than $300 billion.
That background shapes the product's instincts: credentialing, compliance, and fiduciary standards are treated as features, not friction. The company's early seed backers were cut from the same cloth - Chris Jones, former co-head of global active equities at BlackRock, and Robert Deutsch, former head of global ETFs at J.P. Morgan Asset Management.
Where Zoe fits in the market is a middle lane that has been oddly empty: not a pure consumer robo like Betterment or Wealthfront, not a wirehouse, not just a lead-gen directory. It is a curated marketplace bolted to advisor infrastructure - competing with SmartAsset and Facet on matching, and with the likes of Envestnet, Orion, and Altruist on tooling.
Andres Garcia-Amaya founds the company and launches a service matching clients to fiduciary advisors, backed by $2M in seed funding from ex-BlackRock and ex-J.P. Morgan angels.
Zoe raises additional venture funding (reported around $10M) to expand its advisor network and grow the matching engine.
The company moves beyond matching, announcing an all-in-one wealth-management platform with account opening, rebalancing, and trading built in.
Sageview Capital leads a round with strategic RIA investors, pushing total funding to roughly $45M and funding platform and team growth.
The name "Zoe" comes from the Greek word for "life."
Several of Zoe's Series B investors are large RIA firms - in effect, competitors who chose to fund the platform rather than build it.
The original pitch was to give ordinary high earners a "household CFO," a role once reserved for the ultra-wealthy.
Garcia-Amaya helped oversee strategy at a firm managing over $300 billion before starting a company with a handful of employees.
Zoe connects individuals and families with vetted, independent fiduciary financial advisors, and gives those advisors an all-in-one platform for account opening, investing, rebalancing, and client management.
Yes. Clients use the advisor-matching service for free. Zoe earns revenue from advisors, who pay a referral fee when matched and pay to use Zoe's wealth-management platform.
Advisors must hold a CFP, CFA, or CPA, have at least five years of experience, operate as fee-only fiduciaries, and work at independent RIA firms. Zoe reports rejecting roughly 95% of applicants.
Andres Garcia-Amaya, a former Executive Director at J.P. Morgan Asset Management, founded Zoe in 2018. It is headquartered in New York City.
Zoe raised a $29.6M Series B in April 2025 led by Sageview Capital, bringing total funding to approximately $45M across seed, Series A, and Series B rounds.