Yu Zhang Krisko

Employer firm

Yz Financial Advisors LLC CRD 314477

$9.43M regulatory AUM

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 01/2015 → 10/2017
  Morgan Stanley Private Bank, National Association
  New York, NY
• 03/2015 → 10/2017
  Morgan Stanley Smith Barney Llc
  Rockville, MD
• 10/2017 → 07/2021
  Lincoln Financial Advisors Corporation
  Vienna, VA
• 07/2021 → 04/2022
  Purshe Kaplan Sterling Investments
  Albany, NY
• 07/2021 → Present
  Yz Financial Advisors Llc
  Vienna, VA

Previous Registrations

• 2017-10-13 → 2021-07-07
  Osaic Fa, Inc.
  Vienna, VA
• 2012-06-05 → 2017-10-16
  Morgan Stanley
  Bethesda, MD
  Frederick, MD
  Rockville, MD
• 2010-03-11 → 2012-06-12
  Ameritas Investment Company, Llc
  Rockville, MD
• 2009-06-01 → 2010-03-10
  Morgan Stanley
  Frederick, MD
  Frederick, MD
• 2007-08-30 → 2009-06-01
  Citigroup Global Markets Inc.
  Frederick, MD

Other Businesses

1. WISE360 Financial Sense LLC (Educational Platform, non investment-related), 403 Tapawingo Rd SW, Vienna, VA 22180 Co-founder of WISE360, a personal financial education and wellness platform offering digital planners, books, and general money-mindset resources. Activities include blog writing and contributions to non-advisory educational materials. The platform provides general financial education only and expressly does not provide investment advice, manage assets, or render recommendations. No client solicitation, advisory services, or securities-related activities are conducted through this business. Start date: August 2025 Time Commitment: 2-4 hours/month Compensation: NO (revenue, if any, is paid to entity and is retained solely by the entity; I receive no personal compensation.) 2. Insurance agent (non-investment related) Hold active life/health insurance licenses in VA and MD and primarily service existing client insurance policies. Activities are limited to insurance producer functions as permitted by licensure; no securities recommendations or advisory services are conducted through this activity. Compensation may include trail commissions tied to in-force policies. Time Commitment: <2 hours/month Start Date: July 2007 Compensation: Yes (trail commissions)

Exams

• S66 Uniform Combined State Law Examination
  2007-07-17

Designations

• Certified Financial Planner

Other Names

• Echo Zhang Garrigues
• Echo Zhang
• Yu Zhang
• Yu Zhang Krisko
• Echo Krisko
• Echo Zhang Krisko