Charles Zhang (CFP®, ChFC®, CLU, MBA, MSFS)

Charles Zhang focuses in the
following client markets or areas of practice:

  • Corporate Executives
  • Divorce Planning
  • High Net Worth Client Needs
  • Investment Advice with Ongoing Management
  • LGBT Couples and Families
  • Retirement Planning & Distribution Rules

Planning Specialties

  • MBA - Kellogg School of Management, Northwestern University
  • Executive Education - Harvard Business School
  • MA in Economics - Western Michigan University
  • Executive Education - Columbia University
  • MS in Financial Services - The Institute of Business and Finance.
  • NAPFA - Registered Financial Advisor
  • Charles Zhang was named the #1 Financial Advisor in Michigan by Barron's in 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, and 2021. *
  • Charles was ranked #1 on Barron's list of the nation's Top 100 Independent Financial Advisors for 2021 and is the highest ranked Fee-Only NAPFA-Registered Financial Advisor on the list.**
  • Barron's Hall of Fame
  • Charles was ranked the #1 Financial Advisor in Michigan by Forbes in 2018, 2019, 2020, and 2021.
  • Ranked #6 in the nation on Forbes' list of America's Top Wealth Advisors for 2021 and is the highest ranked NAPFA fee-only Financial Advisor and the highest ranked Independent Advisor on the list .***
  • Out of the more than 10,000 advisors in a leading national financial planning firm, Charles Zhang was ranked #1 by the time he was 29.
  • COUR Member (The Committee on University Resources) - Harvard University
  • Steering Committee Member for Columbia College - Columbia University
  • Benefactor of Columbia University
  • Previous adjunct professor of Finance at Western Michigan University and served on the advisory board for the Haworth College of Business.
  • Author of the book "Make Yourself a Millionaire"(McGraw-Hill, 2003)
  • Often interviewed and quoted by many national media outlets including Wall Street Journal, CNBC, New York Times, Washington Post, Chicago Tribune, Barron’s, Reuter’s, Associated Press, Forbes, Yahoo! Finance, U.S. News & World Report, CNN, MSN Money, Fox Business, PBS, and Financial Times.

Additional Information

Our Mission Statement
"The mission of Zhang Financial is to provide each of our clients with unbiased advice, excellent service, and exceptional products while serving their best interests at all times."

At Zhang Financial, we aim to benefit and enrich the lives of our clients by upholding what we believe to be the highest standard of care. We work without conflicts of interest that arise from selling proprietary products or receiving commissions, kick-backs, and soft dollars.

We strive to be a nationally recognized, highly ranked independent financial services firm by offering our clients what we believe to be unparalleled financial advice, first-class service, and an open-architecture investment platform for a competitive price.

In an industry tarnished by mistrust and deceit, we are confident you will appreciate working with an independent Fee-Only CERTIFIED FINANCIAL PLANNER™ practitioner and a professional staff that will always seek to put your best interests first. As a client of Zhang Financial, you will enjoy knowing you are receiving the best advice, service, and products available for your finances.

NAPFA Start Date

January 15, 2013


This Office

460 Ada Dr SE Suite 200 Ada, MI 49301 Phone: (616) 235-5777

Other Offices

5931 Oakland Dr Portage, MI 49024-2106 Phone: (269) 385-5888
70 Michigan Ave W Ste 100 Battle Creek, MI 49017-3619 Phone: (269) 965-0777
999 Vanderbilt Beach Rd Ste 200 Naples, FL 34108-3512 Phone: (888) 777-0126
101 W Big Beaver Rd Fl 14 Troy , MI 48084-5253 Phone: (248) 687-1258