DFX Intelligence

RIA Intelligence

Registered investment advisers, the advisors registered through them, the capital they report, the private vehicles they run and the people who own them, as a graph with a filing date behind every number. RAUM is what the adviser filed, a move is two registration dates, and a class is a rule you can read.

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SEC-registered adviser

Z•• F••••••••• I•••

Independent wealth managerNew York, New YorkCRD 285158SEC 801-117745websiteIAPD
Latest filing Sep 2, 2026
First filing on the tape Nov 5, 2019 · 47 filings
SEC status approved since Dec 5, 2019
RAUM
$283M
reported, Item 5.F
Discretionary
42%
of RAUM
Private clients
100%
$283M individuals and HNW
Advisors
7
registered through the firm on IAPD
RAUM per advisor
$40.5M
derived; firm RAUM over IAPD count
Employees
45
2 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
47 filings and snapshots on the tape
RAUM$283M as of Aug 12, 2026
Jan 31, 2025$0 then
HNW client RAUM$88.9M as of Aug 12, 2026
Jan 27, 2020$0 then
State-registered IARs (5.B.3)10 as of Aug 12, 2026
Jan 27, 20202 then
Employees (5.A)45 as of Aug 12, 2026
Jan 27, 20202 then
Private funds: no history
RAUM n/a over the last fiscal yearIARs 7 to 10
Practice profile
derived from the filing of Sep 2, 2026; every figure names its basis
Archetypes, each a printed rule
  • Mass-affluent RIA · private-client share at least 50 percent, non-HNW individuals at least 60 percent of private-client RAUM
  • Wrap program sponsor · sponsors a wrap fee program (5.I) with at least $100M of wrap assets
RAUM per advisor
$40.5MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
230derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$3.1MderivedHNW RAUM over HNW clients
Average account
$103,119derivedRAUM over accounts (5.F.2.f)
Discretionary
42%derivedof RAUM
Institutional
0.0%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
6.4derivedItem 5.A over advisors
Advisors per office
7.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year
unknownderivedbetween the last two annual amendments
Advisor growth, one year
+43%derivedItem 5.B.3 between annual amendments
Client growth, one year
unknownderived
Compensation
percentage of assets, otherreportedItem 5.E
Advisory activities
financial planning, portfolio management for individuals, selection of other advisers, otherreportedItem 5.G
Wrap fee program
$283MreportedItem 5.I
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • receives research or other products from a broker-dealer, soft dollars (8.E)
  • marketing includes testimonials (5.L.1.c)
  • marketing includes hypothetical performance (5.L.3)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • Individuals$195M69%
  • High-net-worth individuals$88.9M31%
Individual clients
1,579reported
HNW clients
29reported
Pension plan clients
0reported
Charitable clients
0reported
Accounts
2,749reported
Financial planning clients
0reported
Wrap fee programs
$0 sponsored, $0 managedreported
Custody of client assets
noreported
Compensation
% of AUMreported
Class basis
private_client_share=1.0 fund_share=0.0 institutional_share=0.0 related_bd=true related_bank=false bd_reps=5.0derived
Advisors registered through the firm
7 on IAPD today, longest tenure first
NameBranchHere sinceIn industryPrior firms
A••••• D••••• G•••••New York, NyAug 31, 202120 y1
R••••• G•••Chartered Financial AnalystNew York, NyJan 4, 202316 y1
P•••••• K• B•••••••••New York, NyNov 18, 202412 y0
M•••••• W•••••New York, NyJan 1, 202510 y0
J••• R•••• B••••••••Certified Financial PlannerNew York, NyJan 14, 202510 y0
C•••• M•••New York, NyOct 31, 202511 y1
M•••• F•••••••• M•••• C•••New York, NyNov 6, 202510 y1
Advisor movement
3 left, 3 joined in 12 months
Private funds
No private fund reported.
Owners and control persons
Schedule A and B, latest filing
  • G•••••• A•••••• D••••• · Ceocontrol
    since 06/2016 · owns 25% to 50%
  • A••••••••• A•••• J••• · Cco
    since 09/2021 · owns less than 5%
Entity owners
  • S• O••••••••• F••• L•• · Shareholder A-1 Preferred
    direct · owns 10% to 25%
Related persons
Schedule D 7.A
Office movement
IAPD branch city; joins and departures in 12 months
OfficeAdvisorsJoinedLeftTeams outForming
New York, Ny · principal723
Offices
Schedule D 1.F, the 25 largest
No branch office listed.
ADV anomalies
1 against comparable advisers; where to look, not conclusions
  • high employee count relative to advisorsStatic outlier · filing Sep 2, 2026
    employees per registered advisor of 6.4 against a peer median of 1.2 (1314 comparable advisers, 100.0th percentile, 17.6 robust deviations)
    peers: independent wealth managers, $100M to $500M (1,314) · 100% percentile
What changed
consecutive filings, newest first
  • Financial planning clients · 0 to 0
    Aug 12, 2026 to Sep 2, 2026
  • Succession · false to unset
    Aug 12, 2026 to Sep 2, 2026
  • Advisory activities · 3 to 4
    Apr 24, 2026 to May 29, 2026
  • BD registered reps · 0 to 5
    Apr 24, 2026 to May 29, 2026
  • Financial planning clients · to 0
    Apr 24, 2026 to May 29, 2026
  • Accounts · 0 to 2,749
    Aug 22, 2025 to Mar 30, 2026
  • Advisory activities · 1 to 3
    Aug 22, 2025 to Mar 30, 2026
  • HNW clients · 0 to 29
    Aug 22, 2025 to Mar 30, 2026
  • Individual clients · 0 to 1,579
    Aug 22, 2025 to Mar 30, 2026
  • Employees · 37 to 45
    Aug 22, 2025 to Mar 30, 2026
  • State-registered IARs · 7 to 10
    Aug 22, 2025 to Mar 30, 2026
  • Discretionary RAUM · $0 to $118M
    Aug 22, 2025 to Mar 30, 2026
  • HNW RAUM · $0 to $88.9M
    Aug 22, 2025 to Mar 30, 2026
  • Individual RAUM · $0 to $195M
    Aug 22, 2025 to Mar 30, 2026
  • Non-discretionary RAUM · $0 to $165M
    Aug 22, 2025 to Mar 30, 2026
  • RAUM · $0 to $283M
    Aug 22, 2025 to Mar 30, 2026
  • Financial planning clients · unset to
    Apr 30, 2025 to Jun 20, 2025
  • Employees · 45 to 37
    Feb 18, 2025 to Apr 30, 2025
  • State-registered IARs · 2 to 7
    Feb 18, 2025 to Apr 30, 2025
  • Accounts · unset to 0.0
    Oct 29, 2024 to Jan 31, 2025
  • Discretionary RAUM · unset to 0.0
    Oct 29, 2024 to Jan 31, 2025
  • Non-discretionary RAUM · unset to 0.0
    Oct 29, 2024 to Jan 31, 2025
  • RAUM · unset to 0.0
    Oct 29, 2024 to Jan 31, 2025
  • Wrap assets (manager) · unset to 0.0
    Mar 13, 2024 to May 20, 2024
  • Wrap assets (sponsor) · unset to 0.0
    Mar 13, 2024 to May 20, 2024
  • Employees · 31 to 45
    Sep 25, 2023 to Mar 13, 2024
  • State-registered IARs · 1 to 2
    Sep 25, 2023 to Mar 13, 2024
  • Other offices · 1 to 0
    Jul 11, 2023 to Sep 5, 2023
  • Related broker-dealer · false to true
    Mar 22, 2023 to Jul 11, 2023
  • Employees · 26 to 31
    May 25, 2021 to Aug 11, 2021
  • Employees · 2 to 26
    Feb 24, 2021 to May 21, 2021
  • HQ city · unset to NEW YORK
    Feb 24, 2021 to May 21, 2021
  • HQ state · unset to NY
    Feb 24, 2021 to May 21, 2021
  • State-registered IARs · 2 to 1
    Feb 24, 2021 to May 21, 2021
  • Other offices · 0 to 1
    Feb 24, 2021 to May 21, 2021
Signals
4 dated events
  • L••• P•••• K•••• left Z•• F••••••••• I••• for Titan (registered 2026-09-09)
    Sep 9, 2026 · Advisor changed firm · fact
  • C••••• M•••• S•••••• left Z•• F••••••••• I••• for M••••• S•••••• (registered 2026-08-24)
    Jul 22, 2026 · Advisor changed firm · fact
  • A•••••••• K••• left Z•• F••••••••• I••• for N••••••••• W••••• P•••••••• L•• (registered 2026-02-24)
    Mar 26, 2026 · Advisor changed firm · fact
  • Z•• F••••••••• I••• filed its initial SEC registration (Form ADV)
    Nov 5, 2019 · First SEC registration · fact
Across DFX
shared identifiers only, never a name match
No identifier-backed link to the venture, private equity, family office or sponsor graphs.
How to reach
public business contact points only, each with its source
Business phone
646-680-9244reportedpublished by the firm, firm site, Sep 17, 2026
Firm profile
linkedin.com/company/zoe-financial-inc.reportedpublic record, Form ADV, Sep 18, 2026
Website
zoefinancial.comreportedpublic record, Form ADV, Sep 18, 2026
Principal office phone
646-680-9244reportedpublic record, Form ADV, Sep 2, 2026
Provenance
Form ADV
SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
Advisors
IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
Class
Independent wealth managerderiveda rule over Items 5.D and 7.A
RAUM per advisor
$40.5Mderivedfirm RAUM over the IAPD count; not a book size
Loaded
Sep 14, 2026