Zora Financial
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About
Zora Financial advises individuals—both high-net-worth and non-HNW households—as well as small businesses and retirement plan sponsors, providing comprehensive financial planning, ongoing investment supervisory services, and retirement-plan consulting. Its planning work covers cash‑flow analysis, tax and estate considerations, college funding, and implementation support when clients wish to move forward.
The firm’s investment approach is planning‑first and grounded in Modern Portfolio Theory, emphasizing long‑term buy‑and‑hold allocations with periodic rebalancing and written investment guidelines tailored to client risk profiles; engagements may be managed on either a discretionary or non‑discretionary basis. Leadership includes a dedicated role focused on behavioral‑based financial planning, and the team develops client plans that integrate cash‑flow and investment decisions.
Zora Financial is a small CFP®‑led team (two advisors) managing roughly $71 million for about 78 clients, and it highlights several features that are less common among peers: regularly offered complimentary public educational workshops and participant education for retirement plans, a Career‑Builder Financial Planning offering for early‑career households with limited annual intake, and a fixed‑fee assets‑under‑advisement framework that coordinates planning and oversight across brokerage, retirement, and cash‑flow accounts under its “ZF‑Cash Flow” system.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
$7,500 to $65,000 annually based on Assets Under Advisement; $3,600 or $4,800 annually for Career Builder Financial Planning; $2,500 annual fixed fee plus $500 one-time setup and 0.25% asset-based fee for retirement plan advising over $1,000,000
$0 - $250,000: 1.00% annually $250,001 - $1,000,000: 0.75% annually $1,000,001 - $5,000,000: 0.50% annually $5,000,001+: 0.25% annually
Main office
Birmingham AL
Advisors at this office
2
Most active in
Alabama · Louisiana · Texas · Utah
Also doing business as
Zora Financial · Zora Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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
Quick links
Advisors at this firm
Jesse Z
CFP®, Series 65
Birmingham, AL
Zora Financial
Jesse Zora is a CFP® with 14 years of industry experience and has been with Zora Financial since 2014. He serves on the board of directors for Seabed, Inc., a closely held family farm in Marion Junction, AL. Zora Financial serves individual households—including both high-net-worth and non-HNW clients—and sponsors of employer retirement plans. The firm employs a long-term, buy-and-hold investment approach grounded in Modern Portfolio Theory, supplemented by fundamental, technical, and cyclical analysis, and offers a range of planning and advisory services.
Ross K
Series 65
Birmingham, AL
Zora Financial
Ross Kennedy is a financial advisor at Zora Financial with nine years of industry experience. He holds a Series 65 designation and has been with Zora Financial since 2016. Zora Financial provides comprehensive financial planning, investment supervisory services, and retirement-plan consulting to individuals, small businesses, and retirement plan sponsors. The firm emphasizes a planning-first approach grounded in Modern Portfolio Theory and offers educational workshops and tailored financial planning services for various client segments.
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