The free guide breaks investment management into two clear jobs, so decision-makers at advisory firms can make strategic choices as they grow.

NEW YORK CITY, NY / ACCESS Newswire / August 20, 2026 / Zoe Financial, an end-to-end wealth management platform helping registered investment advisers (RIAs) grow more efficiently, published a new framework to help advisory firms decide which parts of their investment work to keep in-house and which parts to hand off to a partner. The framework is laid out in a new white paper called Investment Outsourcing: A Framework for RIAs.

“We built this framework for RIAs to move past the idea that outsourcing is one big choice: keep everything in-house, or hand everything to an outside provider. In reality, investment management consists of two distinct functions that can be owned independently,” said Andres Garcia-Amaya, CFA, Zoe’s Founder & CEO. “The goal isn’t to recommend one model over another, but to give RIA leadership a practical way to decide which responsibilities define the firm’s competitive advantage and which are better delegated.”

The guide splits investment management into two separate jobs: portfolio construction and portfolio implementation. A firm can own one job, both jobs, or neither. Zoe’s framework shows four ways firms can split the work, and gives clear signals for when to keep each job in-house versus when to delegate it.

The white paper also covers:

  • The real cost of running an in-house trading desk, once you count staff, software, and errors

  • Fee ranges for each outsourcing model at $500 million in AUM (assets under management)

  • A simple checklist for when to keep or delegate each job

  • Three ways to move an existing book of business without a tax headache

  • A list of questions to ask a TAMP or implementation partner before signing

The framework is built for RIAs at every stage of growth, from firms making their first outsourcing decision to larger firms rethinking their setup after a merger or acquisition.

“The firms that get this right aren’t the ones that outsource the most or the least. They’re the ones that know exactly which parts of the work actually move the needle for their clients, and which parts are just overhead. That’s what this framework helps them see,” said Garcia-Amaya.

Investment Outsourcing: A Framework for RIAs is free to download at zoefinancial.com/white-papers/investment-outsourcing.

About Zoe Financial

Zoe is a wealth platform with the mission to help grow and protect clients’ wealth. In addition to its referral program, Zoe’s platform brings account opening, funding, automated rebalancing, tax-loss harvesting, and direct indexing into one cohesive advisory experience. Learn more at https://zoefinancial.com/.

Disclosures:

Zoe Financial, Inc. (“Zoe Financial”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. Zoe Securities, LLC. (“Zoe Securities”) is a broker-dealer registered with the SEC and a member of FINRA and SIPC. Zoe Financial provides investment advisory services and Zoe Securities provides brokerage services. Zoe Financial also provides technology and operational support to RIAs, and does not provide investment advice in that capacity. The information presented is for educational and informational purposes only and should not be construed as personalized investment advice, a recommendation, or an offer to buy or sell any security. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Clients should consult their own financial, tax, or legal professionals before making investment decisions. Learn more about Zoe Financial on the SEC’s Investment Adviser Public Disclosure website. Learn more about Zoe Securities on FINRA’s BrokerCheck website.

Zoe Financial provides technology and operational support to registered investment advisers and does not provide investment advice. Under Zoe’s Private Labeling program, advisory firms remain solely responsible for all advisory services, client relationships, and regulatory obligations. Client service interactions may be handled by Zoe’s team under the firm’s brand for administrative purposes only.

Rebalancing and asset allocation are important investment disciplines but they do not eliminate the risk of loss. Maintaining or adjusting a portfolio to a target allocation may help manage volatility, but it cannot guarantee improved returns, reduced losses, or achievement of investment objectives. Rebalancing may result in transaction costs, tax consequences, or unintended exposures that can reduce overall portfolio performance. Asset allocation does not ensure a profit or protect against loss, and actual client experience may differ significantly from hypothetical or backtested results. Market conditions, client-specific factors, and behavioral risks can all affect outcomes, and no single allocation or rebalancing strategy is appropriate for every investor. Investors should consider their own objectives, risk tolerance, and circumstances, and consult with their financial adviser before making any investment decisions. Past performance is not indicative of future results.

Tax-loss harvesting involves risks including but not limited to wash-sale violations, tracking difference, and the possibility that tax treatment may change. Losses harvested may result in tax deferral rather than permanent tax savings. Consult a tax professional regarding your individual circumstances. Direct indexing may not be suitable for all investors. Portfolios holding individual securities may experience greater volatility and tracking error relative to index benchmarks. Zoe Financial does not provide tax advice; clients and advisors should consult qualified tax professionals.

CONTACT:
Carolina Padilla
press@zoefin.com

SOURCE: Zoe Financial

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