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.
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 |