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
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 ranked #1 in Barron's list of 2026 Top Advisors in Michigan, which marks the 14th consecurive year that Charles held the top ranking in Michigan. *
Charles was ranked #1 on Barron's list of the nation's Top 100 Independent Financial Advisors for 2025, 2024, 2023, and 2021.
Barron's Hall of Fame
Charles was ranked the #1 Financial Advisor in Michigan by Forbes in 2018, 2019, 2020, 2021.
Ranked #4 in the nation on Forbes' list of America's Top Wealth Advisors from 2023 - 2025 and is the highest ranking 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. We strive to find the best strategies to help our clients achieve their financial goals in he most efficient and effective ways possible."

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, engaging in principle trading, third-party payments, revenue sharing, receiving commissions, kick-backs, or soft dollars.

We strive to be a nationally recognized, 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.

NAPFA Start Date

January 15, 2013

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