Z3 CAPITAL PARTNERS, LLC
June, 2025
Item 1. Introduction.
Z3 CAPITAL PARTNERS, LLC is registered with the United States Securities and Exchange Commission as an investment adviser. Brokerage and investment advisory services and fees differ and it is important for you to understand the differences.
Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers and investing.
Item 2: What investment services and advice can you provide to me?
Z3 Capital Partners provides investment advisory services to retail investors. The principal service we offer is investment management services, which are made available on a wrap fee program basis. Financial planning services may also be provided and are only made available to clients receiving investment management services. We tailor investment advisory services to each client’s investment objectives and financial needs. We monitor the holdings and performance of your investment management services account on an ongoing basis. Any provided financial planning may be reviewed with investment management services clients as part of the investment management services account review process. We provide investment management services on a discretionary basis pursuant to authority granted to us in your client agreement. Pursuant to this discretionary authority we are authorized to determine which securities are bought and sold, the total amount to be bought and sold, and the costs at which transactions will be affected. We generally do not limit the types of investments we utilize for clients, but consistently utilize equity securities, registered mutual funds, exchange traded funds (ETFs), closed end funds, and fixed and variable annuities/insurance products, if we determine such investments fit within a client’s objectives and are in the best interests of our clients. We generally impose a minimum initial investment of $500,000 to open an account. Regardless, we reserve the right to accept or decline a potential client for any reason in our sole discretion. For additional information, please refer to our Form ADV Part 2A Brochure, especially Item 4 Advisory Business and Item 4.A Services Fees and Compensation and Item 5 Account Requirements and Types of Clients in our Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure.
Questions to Ask Us:
Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose the investments that you recommend to me?
What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?
Item 3 (part 1): What fees will I pay?
For investment management services we charge an asset based fee, which is billed on a quarterly basis. For an asset based fee, the more assets that are in a client’s investment management services account, the more a client will pay in fees. Therefore, we may have an incentive to encourage clients to increase the assets in his or her account. Asset based wrap program fees will include most transaction costs and fees to a broker-dealer or bank that has custody of the client’s assets, and therefore are often higher than a typical asset-based advisory fee. We do not charge an additional fee for financial planning services. In addition to our asset based wrap program fee you will be responsible for other fees and expenses, such as fees/expenses charged by any mutual fund, exchange traded fund, and any taxes or fees required by federal or state law, as well as commission and transaction fees for any transactions executed away from the program broker-dealer. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For additional information, see Item 5 Fees and Compensation of our Form ADV Part 2A Brochure and see Item 4 Services, Fees and Compensation of our Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure.
Questions to Ask Us:
Help me to understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?
Item 3 (part 2): What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?
When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide to you. As an example, we may receive asset-based advisory fees from third party broker-dealers and insurance carriers to provide advisory consulting services to clients. The services provided by us under these third-party relationships are limited to: serving as the client relationship manager and maintaining a complete financial profile for each client; providing ongoing account suitability analysis based on current client financial profiles; and providing investment analysis and required minimum distributions (RMDs) based on disclosed client assets. We mitigate conflicts of interest by limiting compensation to asset based advisory fees and not receiving nor sharing in commissions or any transaction compensation in these relationships. For additional information, please refer to our Form ADV Part 2A Brochure, specifically Item 12 Other Financial Industry Activities and Affiliations, and our Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure, specifically, Item 9 Additional Information.
Questions to Ask Us:
How might your conflicts of interest affect me, and how will you address them?
Item 3 (part 3): How do your financial professionals make money?
Our financial professionals are paid pursuant to participation in firm profits as owners of the firm. In addition, the compensation of other financial professionals is in part determined by consideration of factors such as the amount of client assets they service, new clients obtained and/or an increases in client assets supervised by the professional. Financial professionals compensated pursuant to their ownership in the firm or otherwise determined by consideration of the factors described above, are subject to a conflict of interest due to the fact increases in firm or client account revenue and increases in clients and managed client assets may lead to increased firm profits or increases in earned compensation. Certain of our financial professionals are licensed insurance agents. These financial professionals earn commissions and other fees on the sale of insurance products to our clients. While no commissions are earned by these financial professionals relative to any of our client investment management services accounts, this presents a conflict of interest because these financial professionals in their role as insurance agents are incentivized to make recommendations based on the compensation received rather than on a client’s needs. For additional information regarding our financial professionals’ activities as insurance agents please refer to our Form ADV Part 2A Brochure, specifically Item 10 Other Financial Industry Activities and Affiliations and our Form ADV Part 2A Appendix 1 Wrap Fee Program Brochure, specifically Item 9 Additional Information.
Item 4: Do you or your financial professionals have a legal or disciplinary history?
No. You can visit Investor.gov/CRS for a free and simple search tool to research our firm and our financial professionals.
Questions to Ask Us:
As a financial professional, do you have any disciplinary history? For what type of conduct?
Item 5: Additional Information
For additional information about our investment advisory services and to request a copy of our Form CRS, please contact 804-256-1770.
Questions to Ask Us:
Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how a person is treating me?
61336553.6
