Why Choose Zhang Financial?
As an investment adviser, Zhang Financial has fiduciary duty to all clients. It is our responsibility to provide fair and full disclosure of all material facts and act solely in the best interest of each of our clients at all times. We have no “hidden agenda” or drive to sell any particular financial product. Zhang Financial utilizes the custodial services of LPL Financial–the largest independent broker/dealer in the United States for 14 consecutive years*-and TD Ameritrade, an industry leader in technology and client service.
Unbiased Investment Advice:
Zhang Financial values unbiased investment research and advice. We have access to many independent research resources including LPL’s in-house research team, which consists of more than 12 CFAs. We thoroughly analyze product research and only select investments that are best suited to our clients' needs. Zhang Financial offers no proprietary products, investment banking business, or any other conflicts that can get in the way of providing independent, objective, and unbiased investment research.
Knowledge and Expertise:
Charles Zhang holds various prestigious professional designations and degrees in the financial planning field including Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC). He received his MBA from Northwestern University (Kellogg) and his Executive Education from Harvard Business School. In addition, Charles is an adjunct professor of Finance at Western Michigan University.
Lynn Chen-Zhang also boasts an extensive educational background in finance and tax accounting. Lynn received her MBA from Northwestern University (Kellogg) and her MS in Accountancy from Western Michigan University. Lynn is a Certified Public Accountant (CPA), Certified Financial Planner (CFP®), and a nationally recognized Employee Stock Option expert.
Comprehensive Financial Planning:
Zhang Financial believes it is important to take a holistic approach to financial planning. We aim to manage all aspects of our clients' financial situation. We provide our clients with “in-house” experts for matters of tax planning, investment planning, retirement planning, insurance planning, education planning and estate planning. In the event we are unable to provide needed expertise we consult with our trusted affiliates, which include local CPA firms and attorneys.
Zhang Financial knows that financial planning is an ongoing, dynamic process. We offer our clients periodic service meetings, portfolio rebalancing, and retirement planning. As your needs change our investment strategy will change to meet your current financial situation.
“Open Architecture” Investment Platform:
As independent advisors we have access to thousands of mutual funds, ETFs, and alternative investments. Free from the constraint of proprietary products and investment banking relationships we are able to work with our clients to determine which investment options are best suited to their unique financial situation.
Competitive Rates and Pricing:
Zhang Financial offers clients the opportunity to work on a fee-only basis. Charles Zhang, CFP is one of the nation's top fee-only advisors. This allows us to offer truly objective financial advice and align our goals with our clients' goal - growing your assets. Through our fee-only program we are able to adjust your investment portfolio without requiring you to pay any commission. Most importantly, since annual fees are based on total assets under management, fee-only asset management ties our compensation directly to the performance of your account, thereby eliminating any conflicts of interest.
Exceptional Personal Service:
Zhang Financial offers exceptional personal service. Each client works directly with Charles Zhang when making important investment decisions. In addition, every client is assigned a Client Services Manager. We are committed to accommodating our individual client’s needs and answering their important questions within 24 hours.
Credibility and Professionalism:
Charles is recognized nationwide for his expertise in the financial planning industry. Charles was ranked as one of the Top 2 independent advisors in the nation by Registered Rep in 2010* and was selected as a top advisor by Barron’s in 2009-2012.** Charles is the only advisor in the United States to be chosen as one of the Top Advisors by both Worth Magazine and Barron’s each year from 2004-2007. In addition, Zhang Financial was selected by Research Magazine as the #1 Family Team in the nation 2005-2007.**
Charles is often interviewed and quoted by many national media sources and publications such as the Wall Street Journal, CNBC, New York Times, Washington Post, Chicago Tribune, Barron’s, Reuter’s, Associated Press, Forbes, Yahoo! Finance, U.S. News & World Report, CNN, MSN Money, Fox Business, PBS, Detroit News, and BusinessWeek.
*Ranking based on assets under management
**Ranking Methodology at www.wcorg.com
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In The News More News
February 18, 2013
State Champion, Charles Zhang is the #1 Financial Advisor in Michigan
It's rare for advisors accustomed to collecting commissions to turn read more
February 11, 2013
Charles Zhang, managing partner at Portage, Mich.-based Zhang Financial was interviewed for article "Budget Cuts May Give Market Reality Check" read more
February 08, 2013
Charles Zhang, managing partner at Portage, Mich.-based Zhang Financial was interviewed for article "As Stocks Surge, Is It Time for Some Protection?" read more
August 25, 2012
Charles Zhang, CFP, was named Michigan's #1 Independent Financial Advisor in Michigan, and #20 Nationwide in 2012. Ranking criteria includes volume of assets, revenues generated for the firm, and quality of practices. Mr. Zhang has made numerous appearances on the Barron's lists since 2004. read more
April 9, 2012
Charles C. Zhang, managing partner of Zhang Financial, was ranked once again as West Michigan's #1 Certified Financial Planner by the Grand Rapids Business Journal. The ranking is based on 2011 assets under management. read more