You deserve an advisor you can trust. Find, hire, and invest with vetted, fiduciary financial consultants in the Zoe Network.
Find Your Financial Advisor
You deserve an advisor you can trust. Find, hire, and invest with vetted, fiduciary financial consultants in the Zoe Network.
You deserve an advisor you can trust. Find, hire, and invest with vetted, fiduciary financial consultants in the Zoe Network.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
Find Your Financial Advisor
Find Your Financial Advisor
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
Read Our Client Reviews
Read Our Client Reviews
Our clients are our north star. Here’s what they have to say about their experience finding an advisor through Zoe.
Our clients are our north star. Here’s what they have to say about their experience finding an advisor through Zoe.
07/26/2026
"Zoe connected me to two excellent advisors, both of whom went above and beyond even just in our initial calls: Giving me advice, creating models tailored to my portfolio, spending hours with me on the phone and in-person, and beyond—all without any money changing hands or contracts being signed. I've since signed on with one of them, and I'm thrilled. Work with Zoe—there's nothing to lose, and everything to gain."
Drew S.
09/24/2025
"Zoe Financial was a great resource as I started my journey and search for financial planning help. They helped set up great connections and their team is extremely communicative and helpful!"
Katie G.
05/09/2025
"Zoe Financial made the process of finding a Financial Consultant so easy. From setting up appts and following up with calls and emails. I highly recommend them."
Holly P.
04/08/2025
"Beyond my imagining! I have had two negative experiences with advisors, and I am now confident I'm with the right person for my needs. They set up two interviews, and both were professional. One was exceptional! I completed my "intake" today. All good."
Michael W.
03/09/2025
"For years I hesitated working with a financial planner because I did not know how to find one. Using Zoe was easy and stressless. They walk you through the process, and provide advice on questions to ask potential advisors. Both professionals that Zoe recommended seemed top-notch and easy to talk to. The most difficult part of the process was deciding which to choose. Ultimately, I am confident that I have chosen a highly effective advisor who took the time to understand my needs and will provide the expertise to ensure my goals are met."
Mary W.
01/24/2025
"After being recommended Zoe Financial by one of the money newsletters I follow, I reached out and was guided through a non-pressure process to find a solution for our financial planning needs. We were matched to the incredible team who have been able to capture the challenges of our international portfolio and guide us with a "no golf" policy so no pesky referral fees that can cloud what is the best independent advice for us. Thanks, Zoe - so far we are a marriage made in heaven."
Emma B.
12/16/2024
"I did not want to hear from Zoe after finding out they were a referral service, so I didn't click submit after filling the online form and reading the fine print. They still reached out to me and since I was still in search mode remained open in hopes I would at least get an opinion of some value. In the end the firm with whom they connected me was a perfect fit, providing comprehensive services not found elsewhere. I'll call it luck, but maybe not ! ?"
Mark T.
12/20/2024
"I was hesitant at first in trusting the internet to find me a financial advisor but I will gladly say that Zoe financial (...). Made the entire experience incredibly efficient and easy to get through compared to when I picked my first financial advisor myself. Hopefully I won't need another financial advisor but if when the time comes Zoe would be my first choice to find me a new one"
Matt P.
07/31/2024
"The turn around from completing the questionnaire and the results was fast. The fact that they set up the initial meeting on your schedule was very nice. The added contact person asking you how the process is going and being willing to talk personally to help make a decision or clarify things is a wonderful bonus. I am very happy with how the entire process went and how fast I was able to find a company/advisor I feel comfortable with."
Jannette B.
06/10/2024
"Great company to go through if you're overwhelmed with the selection of financial advisors. Zoe was able to easily match me with potential advisors in their network based on my specific preferences and needs, and I was ultimately able to find an advisor. Thanks Zoe!"
Luke
04/24/2024
"Excellent knowledge of financial advisor business and superior customer service. All of our questions were quickly answered and we are aligned with a firm that far exceeds our expectations. "
Glenn Y.
02/20/2024
"I was matched with a financial planner with Zoe Financial over 2 years ago. The experience was great and they provided several good options for interviews. The fee structure was very clear and reasonable. The advisor I chose has been fantastic and meets with me quarterly to discuss all my investments, taxes and life planning strategies. Met with my advisor today and he is doing very well with my returns. I would recommend Zoe and their advisors to anyone that wants an independent advisor not tied to selling you their products."
Marcia G.
11/22/2023
"If I could give Zoe 10 stars, I would. I worked with [Client Manager]. He was sincerely committed to finding the best fitting Financial Advisor for me. And he succeeded. In addition, he was responsive, knowledgeable and committed to listening and HEARING what my preferences were in an Advisor. I highly recommend Zoe to pair you with the perfect person to work with you."
Teri G.
08/30/2023
"My experience with Zoe was very positive. The people I spoke with were knowledgeable and very helpful. It was a good experience for me as a person who did not know where to start with my financial planning. It was so easy!"
Peggy B.
03/08/2023
"As someone new to this process, I was given good explanations into what services are provided, what questions to ask to evaluate advisors and had lots of assistance walking me through the process. Highly recommend!"
M Drake
02/27/2023
"The quality of the three referrals were top notch, I feel I could have thrown darts and not gone wrong. The choices were good enough that the final decision was subjective, I chose an advisor closer to my age."
Roger T.
07/26/2026
"Zoe connected me to two excellent advisors, both of whom went above and beyond even just in our initial calls: Giving me advice, creating models tailored to my portfolio, spending hours with me on the phone and in-person, and beyond—all without any money changing hands or contracts being signed. I've since signed on with one of them, and I'm thrilled. Work with Zoe—there's nothing to lose, and everything to gain."
Drew S.
09/24/2025
"Zoe Financial was a great resource as I started my journey and search for financial planning help. They helped set up great connections and their team is extremely communicative and helpful!"
Katie G.
05/09/2025
"Zoe Financial made the process of finding a Financial Consultant so easy. From setting up appts and following up with calls and emails. I highly recommend them."
Holly P.
04/08/2025
"Beyond my imagining! I have had two negative experiences with advisors, and I am now confident I'm with the right person for my needs. They set up two interviews, and both were professional. One was exceptional! I completed my "intake" today. All good."
Michael W.
03/09/2025
"For years I hesitated working with a financial planner because I did not know how to find one. Using Zoe was easy and stressless. They walk you through the process, and provide advice on questions to ask potential advisors. Both professionals that Zoe recommended seemed top-notch and easy to talk to. The most difficult part of the process was deciding which to choose. Ultimately, I am confident that I have chosen a highly effective advisor who took the time to understand my needs and will provide the expertise to ensure my goals are met."
Mary W.
01/24/2025
"After being recommended Zoe Financial by one of the money newsletters I follow, I reached out and was guided through a non-pressure process to find a solution for our financial planning needs. We were matched to the incredible team who have been able to capture the challenges of our international portfolio and guide us with a "no golf" policy so no pesky referral fees that can cloud what is the best independent advice for us. Thanks, Zoe - so far we are a marriage made in heaven."
Emma B.
12/16/2024
"I did not want to hear from Zoe after finding out they were a referral service, so I didn't click submit after filling the online form and reading the fine print. They still reached out to me and since I was still in search mode remained open in hopes I would at least get an opinion of some value. In the end the firm with whom they connected me was a perfect fit, providing comprehensive services not found elsewhere. I'll call it luck, but maybe not ! ?"
Mark T.
12/20/2024
"I was hesitant at first in trusting the internet to find me a financial advisor but I will gladly say that Zoe financial (...). Made the entire experience incredibly efficient and easy to get through compared to when I picked my first financial advisor myself. Hopefully I won't need another financial advisor but if when the time comes Zoe would be my first choice to find me a new one"
Matt P.
07/31/2024
"The turn around from completing the questionnaire and the results was fast. The fact that they set up the initial meeting on your schedule was very nice. The added contact person asking you how the process is going and being willing to talk personally to help make a decision or clarify things is a wonderful bonus. I am very happy with how the entire process went and how fast I was able to find a company/advisor I feel comfortable with."
Jannette B.
06/10/2024
"Great company to go through if you're overwhelmed with the selection of financial advisors. Zoe was able to easily match me with potential advisors in their network based on my specific preferences and needs, and I was ultimately able to find an advisor. Thanks Zoe!"
Luke
04/24/2024
"Excellent knowledge of financial advisor business and superior customer service. All of our questions were quickly answered and we are aligned with a firm that far exceeds our expectations. "
Glenn Y.
02/20/2024
"I was matched with a financial planner with Zoe Financial over 2 years ago. The experience was great and they provided several good options for interviews. The fee structure was very clear and reasonable. The advisor I chose has been fantastic and meets with me quarterly to discuss all my investments, taxes and life planning strategies. Met with my advisor today and he is doing very well with my returns. I would recommend Zoe and their advisors to anyone that wants an independent advisor not tied to selling you their products."
Marcia G.
11/22/2023
"If I could give Zoe 10 stars, I would. I worked with [Client Manager]. He was sincerely committed to finding the best fitting Financial Advisor for me. And he succeeded. In addition, he was responsive, knowledgeable and committed to listening and HEARING what my preferences were in an Advisor. I highly recommend Zoe to pair you with the perfect person to work with you."
Teri G.
08/30/2023
"My experience with Zoe was very positive. The people I spoke with were knowledgeable and very helpful. It was a good experience for me as a person who did not know where to start with my financial planning. It was so easy!"
Peggy B.
03/08/2023
"As someone new to this process, I was given good explanations into what services are provided, what questions to ask to evaluate advisors and had lots of assistance walking me through the process. Highly recommend!"
M Drake
02/27/2023
"The quality of the three referrals were top notch, I feel I could have thrown darts and not gone wrong. The choices were good enough that the final decision was subjective, I chose an advisor closer to my age."
Roger T.
The preceding testimonials were provided by actual users of the Zoe Financial advisor matching service (Drew S. - 07/26/2026), (Katie G. - 09/24/2025), (Holly P. - 05/09/2025), (Michael W. - 04/08/2025), (Mary W. - 03/09/2025), (Emma B. - 01/24/2025), (Mark T. - 12/16/2024), (Matt P. - 12/20/2024), (Jannette B. - 07/31/2024), (Luke - 06/10/2024), (Glenn Y. - 04/24/2024), (Marcia G. - 02/20/2024), (Teri G. - 11/22/2023), (Peggy B. - 08/30/2023), (M Drake - 03/08/2023), (Roger T. - 02/27/2023), (Rick - 07/08/2022). No compensation was provided for the testimonials. These testimonials and endorsements do not guarantee a level of success, nor do they guarantee that all users will have the same experience. Zoe Financial and Trust Pilot are not affiliated. Image for illustrative purposes.
Disclosure: *FinTech Breakthrough and Zoe Financial are not affiliated. The 2025 FinTech Breakthrough Awards recognize innovation in financial technology across multiple categories. Award recipients are selected based on industry impact and innovation. Zoe Financial did not pay for inclusion in the awards. For more details, visit FinTechBreakthrough.com. ThinkAdvisor and Zoe Financial are not affiliated. Zoe Financial did not pay for inclusion in the awards, however, Zoe Financial did pay for the promotion rights of the award badges. For more details, visit https://event.thinkadvisor.com/luminaries-awards/. Best Online Financial Advisor is a rating given by NerdWallet for the calendar years ’22, ’23, & ’24 based on several criteria to compare companies that provide financial planning services online or connect users with a financial advisor. Zoe Financial did not compensate NerdWallet for the rating, however Zoe does have a referral agreement with NerdWallet which creates a conflict of interest. Find more information and additional disclosures https://zoefin.com/award-disclosures/. + The preceding endorsements were provided by non-clients of Zoe Financial. No compensation was provided for these endorsements. These endorsements do not guarantee a level of success, nor do they guarantee that all users will have the same experience.
***The information in the visuals is for informational purposes only, and does not represent an actual user’s account, balance, or return and does not represent target or projected performance of any user’s account.
Disclosure: *FinTech Breakthrough and Zoe Financial are not affiliated. The 2025 FinTech Breakthrough Awards recognize innovation in financial technology across multiple categories. Award recipients are selected based on industry impact and innovation. Zoe Financial did not pay for inclusion in the awards. For more details, visit FinTechBreakthrough.com. ThinkAdvisor and Zoe Financial are not affiliated. Zoe Financial did not pay for inclusion in the awards, however, Zoe Financial did pay for the promotion rights of the award badges. For more details, visit https://event.thinkadvisor.com/luminaries-awards/. Best Online Financial Advisor is a rating given by NerdWallet for the calendar years ’22, ’23, & ’24 based on several criteria to compare companies that provide financial planning services online or connect users with a financial advisor. Zoe Financial did not compensate NerdWallet for the rating, however Zoe does have a referral agreement with NerdWallet which creates a conflict of interest. Find more information and additional disclosures https://zoefin.com/award-disclosures/. + The preceding endorsements were provided by non-clients of Zoe Financial. No compensation was provided for these endorsements. These endorsements do not guarantee a level of success, nor do they guarantee that all users will have the same experience.
***The information in the visuals is for informational purposes only, and does not represent an actual user’s account, balance, or return and does not represent target or projected performance of any user’s account.
How We Vet Our Advisors
How We Vet Our Advisors
How We Vet Our Advisors
We background check every retirement planner and financial advisor we work with so you know you’re getting matched with a highly qualified, experienced professional. All advisors in our network go through a rigorous due diligence process to ensure their qualifications and incentives align with Zoe’s standards. We check five key areas:
Credentials
We only work with advisors with one or more of our required designations: CFP, CFA, or CPA. Every advisor match you see has passed an independent qualifying exam in a particular area of expertise.
Professional Experience
All advisors and financial planners must have at least 5 years of relevant advisory experience to enter our network. No exceptions.
Fiduciary Duty
A fiduciary advisor is an advisor who carries the legal requirement to act in your best interests. We won’t work with anyone else.
Financial Planning
We work with advisors who provide comprehensive wealth planning, tailored to clients’ needs.
4. Investments and
Wealth Management
Our advisors can give you more than a simple one-time plan. Your matches can tailor investments and long-term wealth management to your unique needs.
SEC History
We require every advisor to have a clean background with the SEC, meaning no disclosures from previous client experiences.
How Our Matching Works
How Our Matching Works
Looking for a financial advisor, consultant, or planner? We can help you find and hire an advisor match that’s right for you in three simple steps:
Looking for a financial advisor, consultant, or planner? We can help you find and hire an advisor match that’s right for you in three simple steps:
1. Answer a Few Questions
Complete our 2-minute quiz to review your advisor matches.
1. Answer a Few Questions
1. Answer a Few Questions
Complete our two-minute quiz to get fiduciary advisor matches delivered straight to your inbox. We take into account your investment goals, assets, location, time horizons, and more to personalize each match to your unique needs.
The information in the visuals above is for illustrative purposes only and does not represent
an actual user's z, balance, or returzn.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
1. Answer a Few Questions
Complete our 2-minute quiz to review your advisor matches.
1. Answer a Few Questions
Complete our two-minute quiz to get fiduciary advisor matches delivered straight to your inbox. We take into account your investment goals, assets, location, time horizons, and more to personalize each match to your unique needs.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
2. Schedule a Complimentary Call
Interview vetted advisors to find your best fit.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
2. Schedule a Complimentary Call
Interview vetted advisors to find your best fit.
The information in the visuals above is for illustrative purposes only and does not represent
an actual user's z, balance, or returzn.
2. Schedule a Complimentary Call
Interview our vetted advisors to find your best fit. Our concierge team can help you schedule an introductory call and answer any questions you have throughout the process.
2. Schedule a Complimentary Call
Interview vetted advisors to find your best fit.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
2. Schedule a Complimentary Call
Interview our vetted advisors to find your best fit. Our concierge team can help you schedule an introductory call and answer any questions you have throughout the process.
3. Grow Your Wealth
Open and fund investment accounts in minutes to start working with your advisor in the Zoe Wealth Platform.
3. Grow Your Wealth
3. Grow Your Wealth
If you decide to move forward with your top financial advisor, you can open and fund your investment accounts in minutes through the Zoe Wealth Platform.
The information in the visuals above is for illustrative purposes only and does not represent
an actual user's z, balance, or returzn.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
3. Grow Your Wealth
Open and fund investment accounts in minutes to start working with your advisor in the Zoe Wealth Platform.
3. Grow Your Wealth
If you decide to move forward with your top financial advisor, you can open and fund your investment accounts in minutes through the Zoe Wealth Platform.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return.
Let us connect you with an independent, fiduciary financial advisor.
Experienced
Fiduciary
Certified
Find Your Best Match
Let us connect you with an independent, fiduciary financial advisor.
Experienced
Fiduciary
Certified
Find Your Best Match
The Value of a Great Advisor
The Value of a Great Advisor
Working with an advisor can add as much as 3% more to your annual returns.*
Working with an advisor can add as much as 3% more to your annual returns.*
*Assuming 5% annualized hypothetical growth of 500k portfolio vs 8% hypothetical annualized growth of advisor-managed portfolio over 25 years. Source: Putting a value on your value: Quantifying Vanguard Advisor’s Alpha, Vanguard, July 2022. Nothing within the article, or related to the returns within the study are indicative of any returns generated by advisors on the Zoe Network.
This chart shows hypothetical illustration only. It does not reflect any actual client account, actual trading, or actual returns earned by any advisor in the Zoe Network. The figures are based on a simple math example: how a $500,000 portfolio could have grown over 25 years assuming 5% annualized returns without an advisor and 8% annualized returns with an advisor. These growth rates are assumptions used for illustration, not predictions or guarantees. The 3% difference is drawn from a Vanguard study ("Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha," July 2022), which estimated the potential value an advisor could add through services such as asset allocation, rebalancing, behavioral coaching, and tax efficiency. The study reflects Vanguard's analysis, not Zoe's. Actual results vary widely. Some advisors may add more value, some less, and some may not outperform a do-it-yourself approach after fees. The chart does not account for advisory fees, taxes, trading costs, or other expenses that would reduce returns. It does not reflect the performance of any Zoe Network advisor. Past performance is not indicative of future results. All investing involves risk, including loss of principal.
Looking for an Independent Financial Advisor?
Looking for an Independent Financial Advisor?
All advisor matches in our network connect you with true fiduciaries: advisors with the legal requirement to act in your financial best interest. You won’t be matched with any advisors who will try to sell you commission-based products like some annuities or insurance.
All advisor matches in our network connect you with true fiduciaries: advisors with the legal requirement to act in your financial best interest. You won’t be matched with any advisors who will try to sell you commission-based products like some annuities or insurance.
Ready to Grow Your Wealth?
Find your financial advisor matches.
Ready to Grow Your Wealth?
Find your financial advisor matches.
Find an Advisor
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
(646) 680-9244
support@zoefin.com
666 Third Ave, 6th Floor
New York, NY, 10017
Copyright © 2026 Zoe Financial, Inc. | All rights reserved
Find an Advisor
Retirement Planning
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
(646) 680-9244
support@zoefin.com
666 Third Ave, 6th Floor
New York, NY, 10017
Copyright © 2026 Zoe Financial, Inc. | All rights reserved
Find an Advisor
Retirement Planning
Disclosure: This page is not investment advice and should not be relied on for such advice or as a substitute for consultation with professional accounting, tax, legal or financial advisors. The observations of industry trends should not be read as recommendations for stocks or sectors.
Investment advisory services are provided by Zoe Financial, Inc. (Zoe Financial), an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Brokerage services are provided by Zoe Securities LLC and Apex Clearing Corporation, members of the Financial Industry Regulatory Authority Inc. (FINRA) and Securities Investor Protection Corporation (SIPC). Learn more about Zoe Securities and Apex on FINRA’s BrokerCheck website.
The information in the visuals above is for illustrative purposes only and does not represent an actual user's account, balance, or return. Zoe Financial does not provide tax or legal advice.
Explore the Zoe Wealth Platform with AI
Some of this content may have been generated with the assistance of AI. Please review and sense-check all outputs, as AI tools can occasionally produce incomplete or inaccurate information.
(646) 680-9244
support@zoefin.com
666 Third Ave, 6th Floor
New York, NY, 10017
Copyright © 2025 Zoe Financial, Inc. | All rights reserved