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Zhang Financial LLC
Zhang Financial LLC is a nationally recognized SEC-registered investment advisor headquartered in Portage, Michigan. Founded over three decades ago by Charles Zhang CFP®, the firm manages over $7 billion in assets and employs approximately 40–48 professionals. Widely acknowledged for its client-centered, fee-only approach, it provides comprehensive financial planning and investment advisory services, especially for high-net-worth individuals, using an evidence-based investment philosophy. Zhang Financial has received multiple national accolades for ethics and expertise, and serves a diverse range of individual, family, and institutional clients.
Investment Strategy
Zhang Financial employs a fee-only, fiduciary approach, focusing on comprehensive, academically driven, and evidence-based investment strategies. The firm avoids proprietary products and questionable business practices, favoring an open-architecture investment platform and customized, unbiased financial advice. Portfolio management emphasizes client-specific solutions, asset allocation, risk management, and long-term value creation. Investments are held in custody with independent custodians such as LPL Financial and Charles Schwab, ensuring transparency and independence. Zhang Financial primarily serves high-net-worth individuals and families, with significant assets managed for other entities, aiming to maximize client returns and provide exceptional service.
Latest 13F Filing Activity
Zhang Financial LLC filed their most recent 13F report on Jun 30, 2025 disclosing 291 equity positions with a total 13F market value of $2B. The fund increased holdings in Vanguard Index FDS, Ishares Core, Vanguard S&P among other positions. Zhang Financial LLC reduced exposure to Apple Inc., Ishares National, Zoetis Inc. among others.
Top Holdings
Equity Positions (291)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
V VOO | VANGUARD S&P | 7.70% | $166.8M | 293,637 | $406.19 | $568.03 | +$18.3M |
V VTI | VANGUARD INDEX FDS | 7.66% | $166.0M | 546,016 | $153.06 | $303.93 | +$31.7M |
D DFUS | DIMENSIONAL US | 7.41% | $160.6M | 2,396,803 | $52.29 | $67.02 | +$9.0M |
I ITOT | ISHARES CORE | 5.47% | $118.6M | 878,592 | $92.33 | $135.04 | +$28.5M |
D DFAC | DIMENSIONAL US | 5.31% | $115.0M | 3,208,908 | $29.26 | $35.84 | +$11.1M |
Industry Allocation
Investment Team (2)
| Name | Role | Location | |
|---|---|---|---|
| Vice President - Investment Strategy | New York, NY , United States | ||
 | Senior Associate | San Jose, CA , United States |
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