You’ve Scaled Your Company.
Is Your Personal Wealth Scaling With It?
You’ve Scaled Your Company.
Is Your Personal Wealth Scaling With It?
A founder-to-founder resource on navigating liquidity, concentration risk, and the "Paper Wealth" paradox.
A founder-to-founder resource on navigating liquidity, concentration risk, and the "Paper Wealth" paradox.
Raised $45M. CFA.
Fellow Founder.
Raised $45M. CFA. Fellow Founder.
Raised $45M. CFA.
Fellow Founder.
A note from Andres Garcia-Amaya, Founder & CEO of Zoe Financial
A note from Andres Garcia-Amaya, Founder & CEO of Zoe Financial
A note from Andres Garcia-Amaya, Founder & CEO of Zoe Financial
"There is a unique paradox in the venture-backed world: your company’s valuation climbs by millions, yet your personal balance sheet remains tied to a W-2 salary. I’ve lived through the Seed, Series A, and Series B stages. I know the pressure to be the 'hero' and delay personal planning, and I’ve seen the cost of waiting too long.
I want to share the personal financial framework I used to manage my own journey and offer a direct line to discuss how you can do the same."
"There is a unique paradox in the venture-backed world: your company’s valuation climbs by millions, yet your personal balance sheet remains tied to a W-2 salary. I’ve lived through the Seed, Series A, and Series B stages. I know the pressure to be the 'hero' and delay personal planning—and I’ve seen the cost of waiting too long.
I built this page to share the personal financial framework I used to manage my own journey, and to offer a direct line to discuss how you can do the same."
Insight: Funded But Not Personally Ready
Insight: Funded But Not
Personally Ready
Insight: Funded But Not Personally Ready
The mistakes we make when our net worth is 90% illiquid.**
The mistakes we make when our net worth is 90% illiquid.**
Most founders treat their personal finances as a 'post-exit' problem. But the most critical decisions, tax windows, secondary options, and equity tradeoffs happen 12–24 months before liquidity occurs.
Most founders treat their personal finances as a 'post-exit' problem. But the most critical decisions, tax windows, secondary options, and equity tradeoffs happen 12–24 months before liquidity occurs.
** Source: Partners Capital, Tech Entrepreneurs: Are You Maximising the Value of Your Personal Wealth?
The Key Personal Finance Challenges Facing Founders
Key Challenges
Andres Addresses
Key Challenges
Andres Addresses
The Hero Trap
Why your salary-equity tradeoff needs a model, not just a gut feeling.
The IPO Myth
Navigating a world where the IPO window is no longer a guaranteed exit.
The Hidden Clock
Why QSBS and 83(b) elections are time-sensitive levers you can't afford to miss.
Request a Strategy Session
Request a Strategy Session
Andres reserves time for 1:1 sessions with venture-backed founders to discuss liquidity lifecycle planning. These are peer-level strategy sessions, not sales presentations.
Andres reserves time for 1:1 sessions with venture-backed founders to discuss liquidity lifecycle planning. These are peer-level strategy sessions, not sales presentations.
Requests are reviewed by our team to ensure a fit for Andres's specific experience with founder liquidity.
Requests are reviewed by our team to ensure a fit for Andres's specific experience with founder liquidity.
See Andres On
See Andres On
The hard truth about RIA growth
In this guest column, Zoe Financial founder and CEO Andres Garcia-Amaya explains why RIAs targeting younger client prospects can’t remain reliant on referrals and need digital channels to grow.
Where Is Wealth Management Heading? AI And Finance
Zoe Financial CEO and Founder Andres Garcia-Amaya explores how AI is reshaping wealth management—driving more personalized advice while evolving how advisors serve clients.
Here's How The Secure Act 2.0 Can Help In Your Financial Journey To Your Dream Retirement
In this piece, Zoe CEO and Founder Andres Garcia-Amaya outlines how the SECURE Act 2.0 introduces new ways to strengthen your path to retirement.
What’s driving the oil spike—and what it means for markets
Zoe Financial’s Andres Garcia-Amaya join ‘The Exchange’ to discuss the current playbook for investors, how to position and much more.
Korean market an example of tech theme with discounted entry points
Zoe CEO and Founder Andres Garcia-Amaya, CFA joins CNBC’s The Exchange to discuss international markets, highlighting Korea as a potential entry point for tech-focused investors.
IPO pops will draw in private companies to become public
On CNBC, Zoe’s CEO and Founder Andres Garcia-Amaya, CFA explains how recent IPO gains may draw more private companies into the public markets.
The hard truth about RIA growth
In this guest column, Zoe Financial founder and CEO Andres Garcia-Amaya explains why RIAs targeting younger client prospects can’t remain reliant on referrals and need digital channels to grow.
Where Is Wealth Management Heading? AI And Finance
Zoe Financial CEO and Founder Andres Garcia-Amaya explores how AI is reshaping wealth management—driving more personalized advice while evolving how advisors serve clients.
Here's How The Secure Act 2.0 Can Help In Your Financial Journey To Your Dream Retirement
In this piece, Zoe CEO and Founder Andres Garcia-Amaya outlines how the SECURE Act 2.0 introduces new ways to strengthen your path to retirement.
What’s driving the oil spike—and what it means for markets
Zoe Financial’s Andres Garcia-Amaya join ‘The Exchange’ to discuss the current playbook for investors, how to position and much more.
Korean market an example of tech theme with discounted entry points
Zoe CEO and Founder Andres Garcia-Amaya, CFA joins CNBC’s The Exchange to discuss international markets, highlighting Korea as a potential entry point for tech-focused investors.
IPO pops will draw in private companies to become public
On CNBC, Zoe’s CEO and Founder Andres Garcia-Amaya, CFA explains how recent IPO gains may draw more private companies into the public markets.
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.
In certain situations, you may be required to disclose that the content was “generated by AI.” Please confirm any specific disclosure or labelling requirements with Compliance.
(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
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.
In certain situations, you may be required to disclose that the content was “generated by AI.” Please confirm any specific disclosure or labelling requirements with Compliance.
(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
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.
In certain situations, you may be required to disclose that the content was “generated by AI.” Please confirm any specific disclosure or labelling requirements with Compliance.
(646) 680-9244
support@zoefin.com
666 Third Ave, 6th Floor
New York, NY, 10017
Copyright © 2025 Zoe Financial, Inc. | All rights reserved