Website Disclosure

Zhang Financial LLC is a registered investment advisor. Registration with the SEC as an investment advisor does not imply a certain level of skill or training. Individuals and firms may only transact business in a jurisdiction after satisfying its licensing and qualification requirements, or after being excluded or exempted.

The materials contained in this website have been obtained, derived and prepared based on information from public and private sources that Zhang Financial LLC believes to be reliable. However, no representation, warranty or undertaking, stated or implied, is given as to the accuracy or completeness of the information contained herein, and Zhang Financial LLC expressly disclaims any liability for the accuracy and completeness of information contained in this website. Zhang Financial LLC, maintains the right to delete or modify information on this website without prior notice.

This site has been designed for general informational and educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security referenced on the site. Such offers can only be made where lawful under applicable law. Zhang Financial LLC does not intend to provide investment advice through this site and does not represent that the securities or services discussed are suitable for any investor. Any subsequent, direct communication by Zhang Financial LLC with a prospective client that provides investment advice shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

Investors are advised not to rely on any information contained in the site in the process of making a fully informed investment decision. Zhang Financial LLC does not, and this site does not intend to, render business, tax or legal advice. Each prospective client should consult his/her own attorney, business advisor and tax advisor as to legal, business, tax and related matters concerning the information contained herein. Each client and prospective client agrees, as a condition precedent to accessing Zhang Financial LLC's website, to release and hold harmless Zhang Financial LLC, its officers, directors, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Zhang Financial LLC.

The information, opinions and views contained herein have not been tailored to the investment objectives of any one individual, are current only as of the date when posted and may be subject to change at any time without prior notice. Zhang Financial LLC does not have any obligation to provide revised opinions in the event of changed circumstances. Nothing contained in this website should be construed as investment advice.

Any ideas or strategies discussed in the website should not be undertaken by any individual without prior consultation with a financial professional for the purpose of assessing whether the ideas or strategies that are discussed are suitable based on your own personal financial objectives, needs and risk tolerance. Zhang Financial LLC expressly disclaims any liability or loss incurred by any person who acts on the information, ideas or strategies discussed herein.

The SEC Form ADV contains important information about the advisory services, fees and business of Zhang Financial LLC. Form ADV Part 1A, 2A, ADV Appendix 1: Wrap Fee Program Brochure and Part 3, Form CRS are publicly available and may be viewed at https://adviserinfo.sec.gov/ or by clicking the links on this site. Form ADV Part 2A, 2B, ADV Appendix 1: Wrap Fee Program Brochure and Part 3, Form CRS are provided by Zhang Financial LLC initially to new clients and Form ADV Part 2A, ADV Appendix 1: Wrap Fee Program Brochure are offered or delivered on an annual basis to clients. The Form CRS may also be delivered to existing clients under certain circumstances when opening a different type of account, rolling over an account or recommending a new type of investment or service. The Form ADV is periodically amended and clients are encouraged to review this information.

At certain places on our website, we may provide access or ‘links’ to other internet websites sponsored and maintained by third parties. Zhang Financial LLC is providing such links solely as a convenience. Zhang Financial LLC makes no representations concerning the content of the websites. These sites contain information that has been created, published, maintained or otherwise posted by institutions or organizations independent of Zhang Financial LLC. Zhang Financial LLC does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there. Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional. Zhang Financial LLC does not necessarily endorse or recommend any commercial product or service described at these websites.

The information contained herein does not, and shall not, constitute an offer to sell, a solicitation of an offer to buy, or an offer to purchase any securities, nor should it be deemed to be an offer, or a solicitation of an offer, to purchase or sell any investment product or service.

Past performance does not guarantee future returns and should not be taken as an indication or guarantee of future performance, and no representation or warranty, express or implied, is made regarding future performance. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by Zhang Financial LLC) or product referenced to directly or indirectly by Zhang Financial LLC on its website, or indirectly via a link to an unaffiliated third party website, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Investing entails risks, including possible loss of principal. The price of, value of and income from securities and financial instruments can fall as well as rise.

Clients utilizing this website for the purpose of accessing accounts at brokers/custodians via the links do so with the understanding that accessing such information through the links should be done only through secure channels and on non-public machines. Zhang Financial LLC cannot be responsible for criminal activities of others, specifically those that may access client information through the use of a client’s password or other credentials.

Clients are strongly encouraged to compare the information found through the links with any information received directly from their account custodian.

The Standard & Poor’s 500 Index (the "S&P 500"), the Dow,  the Russell 2000 Index, and other indexes, if applicable, are mentioned for comparative purposes only because they represent, respectively, indexes typically used to gauge the general performance of the U.S. securities markets or the small-cap segment of the U.S. equity universe. The use of these indices is not meant to be indicative of the asset composition or volatility of the portfolio of securities held by our clients, which may or may not have included securities which comprise the S&P 500, Dow and the Russell 2000 Index or other indexes, and which may hold considerably fewer than the number of different securities that make up Indexes. As such, clients’ investment portfolios should be considered riskier than an investment in an index.

Certain people associated with Zhang Financial LLC may hold voluntary professional designations which are included on the website. An explanation of the minimum qualifications required for each designation follows:

Certified Financial Planner (CFP®)
To attain the right to use Certified Financial Planner CFP® designation an individual must have a bachelors degree with coursework in financial planning, pass a 10-hour exam, have at least three years’ full-time financial planning related experience, agree to be bound by CFP Board’s Standards of Professional Conduct, complete 30 hours of continuing education every two years and renew the agreement to be bound by the Standards of Professional Conduct. CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification.

Chartered Financial Analyst (CFA)
Qualification as a Chartered Financial Analyst (CFA) requires four years of qualified work experience; completion of the CFA Program, which includes passing three six-hour examinations; becoming a member of the CFA Institute; and adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct.

Chartered Life Underwriter (CLU)
Chartered Life Underwriter (CLU) designation requires Individuals to complete five core courses and three elective courses, in addition to successfully passing eight 100-question, two-hour examinations. Maintaining the designation requires 30 hours of continuing education every year and adhering to The American College of Financial Services’ Code of Ethics.

Chartered Financial Consultant (ChFC ®)
Chartered Financial Consultant designations are granted by the American College upon completion of seven required courses and two elective courses to individuals who have a minimum of three years working in the financial industry and agree to comply with The American College Code of Ethics and Procedures. Participation in the Professional Recertification Program is also required.

Personal Financial Specialist (PFS)
Personal Financial Specialist credential requires the individual to have CPA license, have two years of full-time experience in the business or teaching of personal financial planning, equivalent to 3000 hours, have 80 hours of Personal Financial Planner (PFP) related education within the past five years, complete an exam and completed 60 hours of continuing professional education every three years.

Certified Divorce Financial Analysts (CDFA®)
Individuals with a minimum of three years of professional experience in finance or divorce and a Bachelors degree are eligible to enroll in the CDFA® Program. To retain the CDFA® designation, the individual must obtain 15 divorce-related hours of continuing education every two years and pay an annual fee.

Certified Employee Benefit Specialist (CEBS)
To earn CEBS designation, individuals complete five required courses, using a self-paced, self-study curriculum and complete tests. Individuals stay CEBS compliant by earning a minimum of 30 hours of credit over two consecutive calendar years.

NAPFA-Register Financial Advisor (Fee Only Financial Advisor)
To qualify as a NAPFA registered financial advisor, the program requires individuals to be a fee only financial advisor subject to third party ADV review, have a bachelor’s degree from an accredited institution, earned the Certified Financial Planner ® certification, submit a comprehensive financial plan or participate in a peer review dialogue with a third party plan/peer reviewer both of which are reviewed using a check list, complete 60 continuing education credits in six subject areas every two years. Additionally, his/her Form ADV may be reviewed by NAPFA. NAPFA-registered advisors renew a fiduciary oath yearly, subscribe to NAPFA’s Code of Ethics and pay annual dues.

Certified Investment Management Analyst (CIMA ®)
The Investment Management Analyst CIMA® certification is a voluntary certification issued by the Investments & Wealth Institute. No federal or state law or regulation requires the holding of the CIMA® certification.  Candidates must meet the requirements of three years of financial services experience and a satisfactory record of ethical conduct, as determined by Investments & Wealth Institute Admissions Committee. The educational component is offered by the approved Registered Education Providers, the Wharton School, University of Pennsylvania, Yale School of Management the University of Chicago Booth School of Business, or the Portfolio Construction Forum. Candidates must pass a 5-hour Certification Examination.  The continuing education requirements are 40 hours every two years.