Invest With Confidence At Zhang Financial
A Fee-Only Advisory Firm
At Zhang Financial, we operate as a fee-only advisory firm. Our compensation comes directly from clients for advice and services provided, not from commissions or product sales.
What Is Fee-Only?
Fee-Only means we are compensated solely by you, our client. We never receive commissions or other incentives for selling specific financial products. This ensures our recommendations are objective and based on your best interests.
Why Fee-Only?
- Transparency: Clear, straightforward pricing designed to help clients understand how we are compensated.
- Alignment of Interests: Our compensation comes directly from our clients rather than commissions from financial product sales.
- Client Focus Advice: Recommendations are guided by your goals, needs, and long-term financial interests.
Understanding Financial Advisor Compensation
How your financial advisor is compensated matters. Different compensation models can create different financial incentives and potential conflicts of interest.
Lynn Chen-Zhang, CEO of Zhang Financial, explains the differences between commission-based, fee-based, and fee-only compensation models and why understanding how your advisor is paid is an important part of choosing an advisor.
Charles Zhang, CFP®, MBA, MSFS, ChFC®
Ranked #1 in the Nation on Barron’s 2026 Top 100 Independent Advisors, a position also held in 2025, 2024, 2023, and 2021, and the highest-ranked Fee-Only advisor on the lists
Released 9/14/26 based on a 12-month period ending 6/30/26. Prior rankings released annually in September based on 12-month period ending June 30 of that year. Zhang Financial paid no fee to be considered for or included in the rankings. The firm pays Barron’s a licensing fee to use the rankings and logos.
Click here for full ranking criteria and methodology.
Ready to take control of your financial future? Contact Zhang Financial today for a consultation.
Fee-Only, Transparent and Holistic Wealth Management.
Request a Consultation:
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.
