


Welcome to Zhang Financial
A FEE-ONLY ADVISORY FIRM
WHY ZHANG FINANCIAL
Zhang Financial is a fee-only advisory firm and proud member of NAPFA, the National Association of Personal Financial Advisors.
Why Choose Zhang?
FEE-ONLY ADVISOR
Zhang Financial is a fee-only advisory firm. Charles and Lynn are proud members of NAPFA, the National Association of Personal Financial Advisors.
Why Fee-Only?
INDUSTRY RECOGNITION
Zhang Financial has been nationally recognized for its quality of practices, financial expertise, client service, and unbiased investment advice.
Nationally Recognized
ACCOUNT PROTECTION
LPL Financial is a member firm of the Securities Investor Protection Corporation (SIPC). Membership provides account protection...
SIPC Protected
About Zhang Financial
WHO WE ARE
Zhang Financial sets a new standard for your finances. Established three decades ago,1 Zhang Financial has developed into a prominent industry leader while maintaining its client-centered focus. Our comprehensive, fee-only solution is built upon an academic, evidence-based investment philosophy aimed at providing the highest probability of success.
For the past eight years, Charles Zhang, CFP®, has been placed in the top 10 on Barron's list of America's Top 100 Independent Wealth Advisors. In 2021 he was ranked #1 in the nation and he is currently the highest ranked Fee-Only NAPFA-Registered Financial Advisor on the list.* Charles was also ranked #4 in the nation on Forbes' list of America's Top Wealth Advisors for 2023 and is the highest ranked Independent Advisor on the list.* Zhang Financial is also known for its commitment to philanthropy, especially within our local community. See Giving Back.
With more than $4.7 billion in assets under management,2 Zhang Financial takes pride in working without conflicts of interest from proprietary products 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 either in the custody of LPL, the largest independent broker dealer in the industry, Charles Schwab, or TD Ameritrade.
Zhang Financial Website Disclosure
Form ADV Part 2 and ADV Appendix 1: Wrap Fee Program Brochure
Zhang Financial has been named the winner of the 2022 Better Business Bureau's Torch Award for Ethics. The Torch Award for Ethics is the most prestigious honor the BBB can present to exceptional organizations for their dedication to integrity and ethical practices.

Why Choose a Fee-Only Advisor?
Why Read ADV Before Investing?
Do you Know your Advisor as well as the SEC?

The Zhang Leadership Team
OUR EXECUTIVES
CHARLES ZHANG
CFP®, MBA, MSFS, ChFC, CLU,
Founder and President
Founder and President
LYNN CHEN-ZHANG
CFP®, CPA, MBA, MSA
CEO
CEO and Chief Compliance Officer
KOLBY SMITH
CFP®
SENIOR VICE PRESIDENT
Private Client Services
ROBERT MCDOUGALL
CFA, MBA
VICE PRESIDENT
Investment Strategy
DAVID MARSHALL
CFP®, CPA
VICE PRESIDENT
Private Client Services
CAMERON KLEINHEKSEL
CFP®
VICE PRESIDENT
Private Client Services
Brandon Mull
CFA, CFP®
VICE PRESIDENT
Private Client Services
Levi Hendershott
CFP®, ChFC
SENIOR MANAGER
Private Client Services
Christine Lindberg
SENIOR MANAGER
Private Client Services
Giselle Schlubatis
CFP®
SENIOR MANAGER
Private Client Services
Raymond Zhu
Ph.D., CFP®, CFA
SENIOR MANAGER
Private Client Services
Eric Bird
CPA, MSA
Senior Manager
Tax and Client Services
BARBARA ROBBINS
CFP®
Senior Independent Consultant
Private Client Services
Kaitlyn Washburn
CPA
Manager
Private Client Services

Zhang Financial
5931 Oakland Drive Portage, MI 49024
List of office locations
Email: clientservice@zhangfinancial.com | Toll-Free: 888-777-0126
Minimum investment requirement: $1,000,000 in Michigan, $2,000,000 outside of Michigan.
Investment Advice offered through Zhang Financial, a Fee-Only Wealth Management Group.