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The fee is billed in advance, is negotiable and has a $5,000 annual minimum.","source":"ADV PART 2A FIRM BROCHURE, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Zhang Financial use?","answer":"Zhang Financial’s separately managed account assets are held at LPL Financial LLC (Boston, MA), with $4.48B, State Street Bank and Trust Company (Boston, MA), with $1.91B and Charles Schwab & Co., Inc. (Westlake, TX), with $1.12B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Zhang Financial have?","answer":"Zhang Financial has 19 investment adviser representatives registered with state securities authorities, out of 50 employees, and 19 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Zhang Financial invest in?","answer":"At the end of its last fiscal year, Zhang Financial’s separately managed accounts held 43% registered funds (mutual funds, ETFs, BDCs), 34% exchange-traded equities, 11% pooled vehicles (private funds and similar), 8% investment grade corporate bonds, 3% U.S. government and agency bonds, 1% cash and equivalents and 1% other. 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