Andres Garcia-Amaya, CFA, CEO and FounderZoe Financial operates as an advisor infrastructure designed to remove operational friction while keeping the advisor at the center of the client relationship. Advisors retain ownership of planning, judgment, and long-term guidance while Zoe’s platform handles the portfolio implementation, enabling customized portfolios built on direct ownership of individual securities and disciplined tax management.
The Zoe Wealth Platform supports advisors serving mass-affluent clients, from younger professionals with investable assets of USD 150,000+ to individuals and families approaching retirement with portfolios in the USD 1 million to USD 4 million range. Traditionally, these investors use standardized investment structures such as low-cost ETF portfolios with periodic rebalancing. With Zoe, they can get a different experience.
“We aim to offer clients the level of capability and sophistication that is usually only offered to high-net-worth investors,” says Andres Garcia-Amaya, CFA, CEO and founder of Zoe Financial.
How can direct indexing and tax strategies benefit mass affluent investment portfolios
Investment platforms have lowered costs and simplified access to markets, but advanced portfolio construction techniques and tax strategies have often been reserved for high-net-worth investors. Zoe Financial enables advisors to bring those same capabilities to mass-affluent clients through the Zoe Wealth Platform. Advisors can implement direct indexing, automated rebalancing, and tax-loss harvesting while maintaining full responsibility for the client relationship and financial plan. Trading, rebalancing, and transitioning legacy holdings are handled within the platform, allowing advisors to focus on comprehensive planning aligned to a client’s broader financial goals.
In one instance, the platform transitioned a USD 500,000 portfolio of mutual funds, ETFs, and individual securities to a lower-cost structure by replacing higher-expense mutual funds with low-cost ETFs and implementing direct indexing for domestic equities. It also executed systematic tax-loss harvesting to seek meaningful losses and maintain market exposure.
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We aim to offer clients the level of capability and sophistication that is usually only offered to high-net-worth investors.
This illustrates how, once an advisor establishes a client’s financial plan and target portfolio structure, the Zoe Wealth Platform automates ongoing implementation tasks such as transitioning legacy holdings, maintaining target exposure during the process, and managing tax strategies, though results vary based on each client’s portfolio, market conditions, and tax circumstances.
Why does fractional trading enable sophisticated portfolio construction for smaller investment accounts
Fractional trading enables smaller accounts to hold broadly diversified portfolios of individual securities, and the platform does not charge mutual fund transaction fees, supporting flexible rebalancing and transitions. Together, these features support sophisticated techniques for accounts as small as USD 200,000 to USD 250,000. Zoe Financial charges an advisory fee for its wealth management services to RIAs in its network. For complete information on fees and compensation, including its advisory fee schedule, please refer to Zoe Financial’s Form ADV Part 2A brochure.
Going forward, the company plans to expand its capabilities, including AI-driven portfolio insights delivered via a mobile interface. By pairing institutional-level investment tools with a client-first operating model, Zoe Financial empowers advisors to deliver greater personalization and tax-aware portfolio management to the mass-affluent segment.
