Joe Kennedy is the co-founder of The Z Group, where he helps business owners and high earners rethink what’s possible with their money. His approach starts where most financial advice stops—by asking the questions most people don’t even know to ask.
With over a decade of experience, Joe rejects the rigidity of static strategies and outdated assumptions. In his view, real planning should evolve with real life—and it should always begin with the end in mind. That’s why he collaborates with clients to build flexible, forward-thinking strategies designed to help unlock limitless opportunities—not just help them survive uncertainty. At The Z Group, plans Start with Z—because we believe clarity about where you're going fuels confidence in the decisions you make today.
He’s on a mission to transform uncertainty into opportunity—replacing confusion with clarity and helping clients move with purpose in a world full of unknowns.
A proud Georgia native, Joe lives in Gainesville with his wife, Angie, their son Peter, and their cockapoo, Bubs. He graduated from Oglethorpe University, where he balanced life on the basketball court with success in the classroom. These days, the basketball shoes stay in the closet (his knees send their thanks). When he and Angie are not traveling or discovering new restaurants, you can find him golfing for reading a good book.