About Zhang Financial

About Zhang Financial


Kalamazoo Financial Advisors - Zhang FinancialZhang 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.

Charles Zhang, CFP®, was ranked #1 in 2023 on Barron's list of America's Top 100 Independent Wealth Advisors and has placed in the top 2 on the list for the past five years. He held the #1 position for two years (2021, 2023) and the #2 spot for three years (2019, 2020, 2022).* Charles was also ranked #4 in the nation on Forbes' list of America's Top Wealth Advisors for 2023 and is the highest-ranked Fee-Only NAPFA-Registered Financial 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 $5.7 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, or Charles Schwab.


*See Full Ranking Disclosure

1, 2 See Disclosure

Zhang Financial Website Disclosure

Form ADV Part 2: Firm Brochure and ADV Appendix 1: Wrap Fee Program Brochure

See Form CRS - Relationship Summary

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.

Video: Award Announcement Reaction
Video: Acceptance Speech by Lynn Chen-Zhang

Mission Statement


"The mission of Zhang Financial is to provide each of our clients with unbiased advice, excellent service, and exceptional products, while serving their best interests at all times."

At Zhang Financial, we aim to benefit and enrich the lives of our clients by upholding what we believe to be the highest standard of care. We work without conflicts of interest that arise from selling proprietary products or receiving commissions, kick-backs, and soft dollars.

We strive to be a nationally recognized, highly ranked independent financial services firm by offering our clients what we believe to be unparalleled financial advice, first-class service, and an open-architecture investment platform for a competitive price.

In an industry tarnished by mistrust and deceit, we are confident you will appreciate working with an independent Fee-Only CERTIFIED FINANCIAL PLANNERTM practitioner and a professional staff that will always seek to put your best interests first. As a client of Zhang Financial, you will enjoy knowing you are receiving the best advice, service, and products available for your finances.

CFP logo
Fee Only
top 100 financial advisors

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.