Zoe Financial Avis 90

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.

The ZOE advisor I spoke with was excellent with deep knowledge about all the topics we discussed. However, when we discussed compensation, asset management and where our funds would be held, they kept mentioning a firm called APEX. This is fine I guess, but I really have never heard of them. I did some more research and it turns out ZOE has a relationship with APEX. I questioned the advisor and she broke down and shared that ZOE actually makes more money if we move our money to APEX. We initially wanted to keep our accounts at Fidelity. Isn't this a conflict of interest? I found all this buried deep within their disclosure documents on the SEC website. I did not find this a FIDUCIARY gesture.

I did not see where to respond to the ZOE response below. Thank you for the prompt response ZOE. But with all due respect, you did not address what my ZOE advisor said about ZOE making more money if we move our funds to APEX....IS THIS TRUE? Does ZOE make more money if we move our funds to Apex? According to solicitor agreement I found on your site, you do. I truly appreciate your candor as we decide to work with ZOE, this advisor or not.

Hi Alex, thank you so much for a prompt response and trying to resolve this. I would prefer to keep our communications on a public platform to help each of us remain accountable.

I respect that ZOE has to get paid for all the time, effort & resources in offering a platform to match the public with reputable advisors. I have reviewed your website many times and that is clear. My understanding, according to your website, is ZOE receives the so called "solicitor fee" from the advisor. We as clients never experience this. The larger question is that if ZOE acts as a fiduciary, as your website suggests, then can you answer yes or no, Does ZOE make more money (in the form of the solicitor fee) if we as clients move our funds to this APEX company the advisor mentioned? I don't understand why they would tell us this if there were no truth in it.
I appreciate your honesty more than you know.

Zoe's client manager worked with us diligently to explore different options for financial advisors. For us, who were engaging with financial advisors for the first time, it was a great resource to be able to find the right person to start with. We could talk with multiple advisors and select the best that meets our needs. This guidance made the process smoother and more accessible for us as first-time participants in financial advisory services.

If I could give Zoe 10 stars, I would. I worked with Paul. 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, especially Paul, to pair you with the perfect person to work with you. Thank you Zoe and Paul.

Teri Gottlieb

My advisor listened to what I was looking for in a financial advisor--fee only, supportive of progressive values--and picked the woman we are going to entrust our entire financial future to. I am very pleased with the recommendation. Zoe is paid on an ongoing basis by the advisors who match with clients via their referrals,so it benefits them to choose high quality advisors who will have long-term relationships with happy clients. So far, so good!

"They did an excellent job not only revising our finances but also our various insurances. They provided us with valuable advice and assisted us in every step we took. They never attempted to push any sales on us, and we had the opportunity to speak with experts in each field."

Loved my experience with Zoe! Paul contacted me very soon after I completed the questionnaire to fine tune the choices. Paul quickly set up appointments and checked in regularly during the process. Love the financial planner that I ultimately hired!!

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!

Zoe took all the work out of finding a financial planner. Paul was friendly, attentive, and set up my meetings so quickly. I'm really happy with the planner I found through Zoe, and I would recommend the company to anyone looking for help finding a financial professional.

Our contact was very helpful in hearing out our needs and working to match us with individuals she felt would have the expertise we required. Our work with her was haulted a few times due to some challenges in our family, but she remained connected and patient throughout.

I had an excellent experience working with Paul to find the right advisor for my needs. He was very helpful and made me feel very comfortable in choosing someone to help me with my financial needs.

Brooke was great to work with. She helped find the right fit for our needs. Liked the fact that I did not have all sorts of calls. She provided potential fits and I could research them and than call them.

I was very pleased with my Zoe experience. We met several advisors through the platform, and all of them were excellent. Our biggest issue was figuring out which one to select, since they all seemed qualified, personable, and professional. Our client manager Maddy was also very attentive.

I was able to find the right Fiduciary for me with the help from them. So lucky to found them, as I can't believe how hard it can be to find exactly what I need. They made it happen and the experience easy!!!

Matt from Zoe provided great options in terms of potential advisors, and was always available to share insights and guidance. Highly recommend!

Thanks for your amazing service. You did a great job with my tax with my investment at cosechafx. Your advise has always been appreciated.

I appreciated getting the call from Brooke Thomas to further refine what I was looking for in an advisor. I was impressed with the two sent to me and could have chosen either after speaking initially to both. Of course proof is in the pudding on how satisfied I will be with the advisor I chose but I think I'm off to a good start. Thanks Brooke !