Account Protection

Account Protection:

Zhang Financial utilizes independent, unaffiliated third-party custodians, including LPL Financial LLC (LPL) and Charles Schwab & Co., Inc. (Schwab), to hold client assets. Client account statements are generated and delivered directly by the custodian, and cash distributions are made by the custodian to the account owner’s address of record or designated bank account.

SIPC® account protection

LPL and Schwab are members of the Securities Investor Protection Corporation (SIPC). SIPC provides limited protection for customer accounts if a broker-dealer fails financially and customer assets are missing. SIPC protection is limited to $500,000 per customer, including up to $250,000 for cash claims. Additional information about SIPC is available at www.sipc.org. SIPC does not protect against losses resulting from market fluctuations, investment performance, or changes in the value of securities.

Additional Account Protection

LPL and Schwab may maintain additional insurance coverage above SIPC limits through third-party insurers, subject to applicable terms, conditions, and limitations. This additional coverage generally applies only after SIPC limits are exhausted and does not protect against investment losses or market declines. Clients should review account protection information provided directly by LPL or Schwab for details regarding applicable coverage, limits, and exclusions.

Fee-Only, Transparent and Holistic Wealth Management.

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Minimum Investment Requirement $1,000,000 in Michigan or $2,000,000 Outside of Michigan

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Fee-only, Transparent and Holistic Wealth Management.

Request a Consultation

Zhang Financial

5931 Oakland Drive Portage, MI 49024
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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.