Points of Differentiation

To perform due diligence while selecting a
financial advisor, use this checklist as a reference:

Points of DifferentiationZhang FinancialOther Advisor
Registered with NAPFA at www.napfa.org as a fiduciary Fee-Only CERTIFIED FINANCIAL PLANNER™YesYes / No
Upholds a Fiduciary Standard, does not offer proprietary funds or receive any compensation from product companies?YesYes / No
Client's assets are held by a third-party custodian such as LPL, the largest independent broker-dealer in the industry, or TD Ameritrade, an industry leader in technology and client service?YesYes / No
Able to coordinate financial planning, estate planning, investment management and risk management?YesYes / No
Comfortable working with client's current estate planning attorney and CPA?YesYes / No
Advisory team holds the most prestigious designations and credentials in the industry including:

  • CERTIFIED FINANCIAL PLANNER™ (CFP®)

  • Certified Public Accountant (CPA)

  • Juris Doctor (JD)

  • Chartered Financial Analyst (CFA®)

  • Masters in Business Administration

  • MS in Accountancy, PhD and MA in Economics

  • MS in Financial Services (MSFS)

  • Chartered Financial Consultant (ChFC®)

YesYes / No
Firm includes a nationally ranked female advisor recognized by Barron's 1 and Financial Times 2 as one of the country's Top 100 Women Financial Advisors?YesYes / No
Advised by a nationally recognized financial advisor who has been ranked in publications such as:

  • Barron's "Top 100 Independent Financial Advisor" 3

  • Barron's "Michigan's #1 Financial Advisor" 4

  • Forbes "America's Top Wealth Advisors" 5

YesYes / No

1As 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.
2The 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.
3As reported in Barron’s September 15, 2017.  The ranking reflects the volume of assets overseen by the advisors and their teams, revenues generated for the firms, quality of the advisors’ practices and other factors.
4As reported in Barron’s March 4, 2017. Based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.
5As reported in Forbes September 26, 2017. 2017 Disclosure: The ranking, developed by our partner Shook Research, is based on in-person and telephone due-diligence meetings and a ranking algorithm for advisors who have a minimum of seven years of experience. We consider client retention, industry experience, compliance records and firm nominations as well as quantitative criteria such as assets under management and revenue generated for their firms.

The ADV Part 2A, Firm Brochure

We also recommend that you review a firm's ADV Part 2A, Firm Brochure, which can be found on the SEC's website. The ADV Part 2A, Firm Brochure will help you understand an investment firm's revenue structure. Some financial advisory firm’s main revenue source is actually not from advisory services, but from the sale of proprietary products, commissions, kick-backs from product companies, 12B-1 fees and/or soft dollar arrangements. The revenue structure may impose a conflict of interest when the firm manages
your portfolio. Use the following link to review Zhang Financial's ADV Part 2A, Firm Brochure.

Put one of the nation's Top Independent Financial Advisors to work for you.

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* Minimum Investment Requirement $500,000 in Michigan or $1,000,000 Outside of Michigan

Portage MI Office

5931 Oakland Drive
Portage, MI 49024
269.385.5888

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Battle Creek Office

70 West Michigan Ave. Suite 100
Battle Creek, MI 49017
269.965.0777

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Grand Rapids Office

2828 Kraft Avenue SE, Suite 100
Grand Rapids, MI  49512
616.235.5777

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Troy Office

101 West Big Beaver Road, 14th Floor
Troy, MI 48084
248.687.1258 

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Naples Office

999 Vanderbilt Beach Rd, Suite 200
Naples, FL 34108
239.325.1826 

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Zhang Financial

5931 Oakland Drive Portage, MI 49024
Email: clientservice@zhangfinancial.com | Toll-Free: 888-777-0126

 

Minimum investment requirement: $500,000 in Michigan, $1,000,000 outside of Michigan.
Investment Advice offered through Zhang Financial, a Fee-Only Wealth Management Group.