• Welcome to Zhang Financial

    Zhang Financial sets a new standard for your finances. Established more than two decades ago,1 Zhang Financial has developed into a prominent industry leader while maintaining its client-centered focus. For the past four years, Charles Zhang, CFP®, has been consistently placed in the top 20 on Barron's list of America's Top 100 Independent Wealth Advisors and is currently the highest ranking fee-only NAPFA-Registered Financial Advisor on the list.*

    With more than $2 billion in assets under advisement, which includes discretionary assets of $900,900,000,2 Zhang Financial takes pride in working without conflicts of interest, proprietary products, investment banking and other questionable business practices. We are committed to upholding a fiduciary standard, providing our clients with customized and unbiased financial advice, first class service and an open-architecture investment platform for a competitive price. Ranked as Michigan's #1 Financial Advisor, Charles Zhang provides personalized investment recommendations to every client in our firm. Your assets are in the custody of LPL, the largest independent broker dealer in the industry, or TD Ameritrade, an industry leader in technology and client service.


    Top 100 Financial Advisor Image - Zhang Financial   Financial Advisors, Fee Only Image - Zhang Financial     Top Financial Advisors 2014 Image - Zhang Financial


    1Zhang Financial formerly operated under dba Zhang & Associates
    2Please note that the amount of Zhang Financial's Assets Under Advisement is considerably larger than the amount of the firms regulatory Assets Under Management. Assets Under Advisement include regulatory Assets Under Management reported in Zhang Financial's Form ADV 1, in addition to assets with respect to which Zhang Financial may provide consulting and/or financial planning services, but does not have any management, execution or trading authority.  Zhang Financial's regulatory Assets Under Management can be found in Item 5.F of Zhang Financial's Form ADV 1, available at http://www.adviserinfo.sec.gov.  Assets Under Advisement Includes discretionary assets of $900,900,000, 401k/employee retirement plans and other assets as of 05/22/2015.
    As reported in Barron's February 18, 2013, February 22, 2014 and February 23, 2015. Based on assets under management, revenue generated for advisors' firms, quality of practices and other factors.
    *As reported in Barron's August 25, 2012, August 24, 2013, August 23, 2014 and August 24, 2015. The rankings reflects the volume of assets overseen by the advisors and their teams, revenues generated for the firms, the quality of the advisors' practices and other factors.
    **Financial Times and Financial Times Logo: The 2014 Financial Times Top 100 Women Financial Advisors is an independent listing produced by the Financial Times (November, 2014). The FT 100 is based on data gathered from firms, regulatory disclosures and the FT's research.  As identified by the FT, the listing reflected each advisor's performance in six primary areas, including assets under management, asset growth, compliance record, years in existence, credentials and accessibility. Neither firms nor their employees pay a fee to the Financial Times in exchange for inclusion in the FT 100.  Barron's:  As reported in Barron's June 7, 2014.  Based on assets under management, revenue produced for the firm, regulatory record and quality of practice and philanthropic work.



    In The News

    August 24, 2015

    Charles Zhang was ranked in the top 10 on Barron's list of America's Top 100 Independent Wealth Advisors for 2015.  Out of the top 10, Charles is the only Fee-Only NAPFA-Registered Financial Advisor on the list...

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    June 24, 2015

    Charles Zhang was quoted in The Wall Street Journal’s article, Advisers Wary as Indexes Add China A-Shares written by Daisy Maxey. The article discusses the concern over A-shares being added to the emerging-markets indexes and funds...

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    March 25, 2015

    Charles C. Zhang has been selected as one of the nation's Top 400 Financial Advisors by Financial Times, March 25, 2015.

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    March 11, 2015

    Lynn Chen-Zhang, CPA, CFP was featured in The Wall Street Journal's article Diversifying a Client's Stock Options. In the article, Lynn illustrates the importance of diversifying stock options by using a technique she developed in 1999.

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