Z Advisory Innovations
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Z Advisory Innovations provides portfolio management and tailored investment services to individuals, high‑net‑worth clients, and business entities. As of January 9, 2026 the firm reports managing approximately $13,640,000 in client assets across about 61 client relationships, and it operates on a non‑discretionary basis while charging asset‑based fees billed monthly.
The firm builds and monitors model portfolios using a combination of tactical asset allocation and fundamental analysis, with periodic rebalancing driven by market conditions and client circumstances. Recommended investments include mutual funds, ETFs (including Bitcoin ETFs), stocks, bonds, options, closed‑end funds and alternative investments, reflecting an openness to crypto ETF exposure and other nontraditional instruments.
What distinguishes the firm from many peers is its primarily non‑discretionary management style (a relatively uncommon practice among similar advisers) and the fact that its owners are licensed insurance agents who may recommend insurance products and receive commissions, a disclosed conflict the brochure says is mitigated through policies and client disclosure. The firm also discloses its use of Charles Schwab for custody and a range of operational support services that benefit the firm and could create additional conflicts of interest.
Client services
Expertise
Fee options
0.50% to 2.00% annually
Main office
7655 Highland Rd, Suite 203
Waterford MI 48327
Advisors at this office
2
Most active in
Michigan
Also doing business as
Z Advisory Innovations · Zoellner Whole Financial, PLLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
David Z
Series 66
Waterford, MI
Z Advisory Innovations
David Zoellner Jr is a financial advisor at Z Advisory Innovations with five years of industry experience. He holds a Series 66 designation and previously worked at NewBridge Securities Corporation, Valvoline Instant Oil Change, Rockwells, and The Dock on Montrose Beach. Z Advisory Innovations provides portfolio management and tailored investment services to individuals, high-net-worth clients, and business entities. The firm manages model portfolios using tactical asset allocation and fundamental analysis, offering a range of investment options including mutual funds, ETFs (such as Bitcoin ETFs), stocks, bonds, options, closed-end funds, and alternative investments, operating mainly on a non-discretionary basis.
David Z
Series 63, Series 65
Waterford, MI
Z Advisory Innovations
David Zoellner Sr. is a financial advisor at Z Advisory Innovations with 35 years of industry experience. He previously worked at Newbridge Securities Corp. for nine years before joining his current firm. He holds Series 63 and Series 65 licenses. Z Advisory Innovations provides portfolio management and tailored investment services to individuals, high-net-worth clients, and business entities. The firm employs a primarily non-discretionary management approach, using tactical asset allocation and fundamental analysis across a diverse range of investment products, including mutual funds, ETFs, and alternative investments.
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