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

LGBTQ+

Retirement Planning & Distribution Rules

Planning Specialties

MBA - Kellogg School of Management, Northwestern University
Executive Education - Harvard Business School and Columbia University
MA in Economics - Western Michigan University
MS in Financial Services - The Institute of Business and Finance.
Ranked #1 in Barron’s List of 2025 Top 100 Independent Advisors (2024, 2023, 2021): The 2025 list was released on September 15, 2025, based on data for the 12-month period ending June 30, 2025. Prior rankings were released annually in September of their respective years, based on data for the 12-month period ending June 30 of the award year. Zhang Financial does not pay a fee to be considered for or included in Barron’s rankings. The firm pays a licensing fee to Barron’s for the right to use the rankings and logo in marketing materials.
Ranked #5 in Forbes List of 2026 America’s Top Wealth Advisors: The 2026 lists were released on April 7, 2026, based on data for the 12-month period ending June 30, 2025. Zhang Financial does not pay a fee to be considered for or included in Forbes rankings, which are developed by Shook Research. The firm pays a licensing fee to Forbes for the right to use the rankings and logo in marketing materials.

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Additional Information

Our Mission Statement

"The mission of Zhang Financial is to deliver objective financial guidance, disciplined investment solutions, and comprehensive wealth management while upholding a strict fiduciary standard. We are dedicated to constructing tailored, evidence-based strategies designed to efficiently advance our clients' long-term financial goals."

At Zhang Financial, we aim to support our clients' financial well-being by upholding what we believe is a strict fiduciary standard of care. We receive no compensation from selling proprietary products, engaging in principal trading, third-party payments, revenue sharing, commissions, kick-backs, or soft dollars.

We strive to be a respected, independent financial services firm by providing clients with objective financial advice, first-class service, an open-architecture investment platform, and competitive pricing.

We are confident you will value working with an independent Fee-Only CERTIFIED FINANCIAL PLANNER™ practitioner and a professional staff that will always seek to put your best interests first.

NAPFA Start Date

January 15, 2013

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