Chief Compliance Officer

0001776290-22-000001.txt : 20220210 0001776290-22-000001.hdr.sgml : 20220210 20220210161609 ACCESSION NUMBER: 0001776290-22-000001 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220210 DATE AS OF CHANGE: 20220210 EFFECTIVENESS DATE: 20220210 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Zhang Financial LLC CENTRAL INDEX KEY: 0001776290 IRS NUMBER: 800370431 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19517 FILM NUMBER: 22614125 BUSINESS ADDRESS: STREET 1: 5931 OAKLAND DR. CITY: PORTAGE STATE: MI ZIP: 49024 BUSINESS PHONE: 269-385-5705 MAIL ADDRESS: STREET 1: 5931 OAKLAND DR. CITY: PORTAGE STATE: MI ZIP: 49024 13F-HR 1 primary_doc.xml 13F-HR LIVE false true false 0001776290 XXXXXXXX 12-31-2021 12-31-2021 Zhang Financial LLC

5931 OAKLAND DR. PORTAGE MI 49024

13F HOLDINGS REPORT 028-19517 N Lynn L. Chen-Zhang Chief Compliance Officer 269.385.5888 Lynn L. Chen-Zhang Portage MI 02-10-2022 0 208 564248 false INFORMATION TABLE 2 13FXML2021Q4.xML BRISTOL MYERS COM 110122108 491 7874 SH SOLE 0 0 7874 CVS HEALTH COM 126650100 689 6682 SH SOLE 0 0 6682 CATERPILLAR INC COM 149123101 520 2516 SH SOLE 0 0 2516 CHEVRON CORP COM 166764100 400 3405 SH SOLE 0 0 3405 COCA COLA COMPANY COM 191216100 383 6474 SH SOLE 0 0 6474 COMERICA INC COM 200340107 475 5456 SH SOLE 0 0 5456 CUMMINS INC COM 231021106 262 1199 SH SOLE 0 0 1199 DANAHER CORP COM 235851102 570 1732 SH SOLE 0 0 1732 WALT DISNEY COM DISNEY 254687106 523 3378 SH SOLE 0 0 3378 DOLLAR GENL COM 256677105 1202 5098 SH SOLE 0 0 5098 DOW INC COM 260557103 1308 23065 SH SOLE 0 0 23065 EMERSON ELECTRIC COM 291011104 242 2609 SH SOLE 0 0 2609 FORD MOTOR COM 345370860 555 26743 SH SOLE 0 0 26743 GENERAL MILLS COM 370334104 385 5718 SH SOLE 0 0 5718 HERSHEY COMPANY COM 427866108 311 1610 SH SOLE 0 0 1610 HOME DEPOT COM 437076102 1490 3590 SH SOLE 0 0 3590 HONEYWELL INTL COM 438516106 2790 13381 SH SOLE 0 0 13381 INTEL CORP COM 458140100 627 12170 SH SOLE 0 0 12170 INTL BUSINESS COM 459200101 3548 26543 SH SOLE 0 0 26543 ISHARES GOLD ISHARES NEW 464285204 32348 929275 SH SOLE 0 0 929275 ISHARES CORE CORE S&P TTL STK 464287150 25746 240661 SH SOLE 0 0 240661 ISHARES SELECT SELECT DIVID ETF 464287168 2302 18780 SH SOLE 0 0 18780 ISHARES TIPS TIPS BD ETF 464287176 11205 86731 SH SOLE 0 0 86731 ISHARES CORE CORE S&P500 ETF 464287200 2809 5888 SH SOLE 0 0 5888 ISHARES CORE CORE US AGGBD ET 464287226 3277 28725 SH SOLE 0 0 28725 ISHARES S&P S&P 500 GRWT ETF 464287309 352 4202 SH SOLE 0 0 4202 ISHARES S&P S&P 500 VAL ETF 464287408 395 2521 SH SOLE 0 0 2521 ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2571 30059 SH SOLE 0 0 30059 ISHARES MSCI MSCI EAFE ETF 464287465 786 9986 SH SOLE 0 0 9986 ISHARES RUSS RUS MDCP VAL ETF 464287473 510 4165 SH SOLE 0 0 4165 ISHARES RUSSELL RUS MID CAP ETF 464287499 407 4900 SH SOLE 0 0 4900 ISHARES CORE CORE S&P MCP ETF 464287507 1221 4313 SH SOLE 0 0 4313 ISHARES RUSSELL RUS 1000 GRW ETF 464287614 224 732 SH SOLE 0 0 732 ISHARES RUSSELL RUS 1000 ETF 464287622 1665 6295 SH SOLE 0 0 6295 ISHARES RUSSELL RUS 2000 VAL ETF 464287630 22905 137940 SH SOLE 0 0 137940 ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2805 10109 SH SOLE 0 0 10109 ISHARES S&P S&P MC 400VL ETF 464287705 309 2790 SH SOLE 0 0 2790 ISHARES CORE CORE S&P SCP ETF 464287804 1638 14310 SH SOLE 0 0 14310 ISHARES S&P SP SMCP600VL ETF 464287879 1330 12730 SH SOLE 0 0 12730 ISHARES NATIONAL NATIONAL MUN 464288414 2976 25595 SH SOLE 0 0 25595 ISHARES MSCI EAFE VALUE ETF 464288877 4541 90125 SH SOLE 0 0 90125 JOHNSON & JOHNSON COM 478160104 1723 10074 SH SOLE 0 0 10074 KELLOGG CO COM 487836108 935 14511 SH SOLE 0 0 14511 KIMBERLY CLARK COM 494368103 544 3808 SH SOLE 0 0 3808 ELI LILLY COM 532457108 248 899 SH SOLE 0 0 899 LINCOLN NATL CORP IN COM 534187109 353 5175 SH SOLE 0 0 5175 LOWES COMPANIES COM 548661107 1716 6638 SH SOLE 0 0 6638 MCDONALDS CORP COM 580135101 590 2200 SH SOLE 0 0 2200 MICROSOFT CORP COM 594918104 16283 48413 SH SOLE 0 0 48413 MONDELEZ INTERNATIONAL CL A 609207105 1430 21569 SH SOLE 0 0 21569 NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 42 20000 SH SOLE 0 0 20000 NORFOLK SOUTHERN COM 655844108 269 904 SH SOLE 0 0 904 PEPSICO INC COM 713448108 2702 15557 SH SOLE 0 0 15557 PFIZER INC COM 717081103 3688 62464 SH SOLE 0 0 62464 PHILIP MORRIS COM 718172109 1307 13757 SH SOLE 0 0 13757 PROCTER & GAMBLE COM 742718109 3212 19632 SH SOLE 0 0 19632 PRUDENTIAL FINANCIAL COM 744320102 1138 10510 SH SOLE 0 0 10510 QUALCOMM INC COM 747525103 1088 5948 SH SOLE 0 0 5948 SCHWAB US US BRD MKT ETF 808524102 5863 51888 SH SOLE 0 0 51888 SCHWAB US US LRG CAP ETF 808524201 1198 10529 SH SOLE 0 0 10529 SCHWAB US US LCAP VA ETF 808524409 217 2968 SH SOLE 0 0 2968 SCHWAB INTL INTL EQTY ETF 808524805 862 22185 SH SOLE 0 0 22185 SCHWAB AGGREGATE US AGGREGATE B 808524839 1234 22899 SH SOLE 0 0 22899 SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 250 4456 SH SOLE 0 0 4456 SCHWAB US US TIPS ETF 808524870 2752 43767 SH SOLE 0 0 43767 SHYFT GROUP COM 825698103 1050 21380 SH SOLE 0 0 21380 STARBUCKS CORP COM 855244109 749 6404 SH SOLE 0 0 6404 STATE STREET COM 857477103 284 3051 SH SOLE 0 0 3051 STEELCASE INC CL A 858155203 323 27531 SH SOLE 0 0 27531 STRYKER CORP COM 863667101 17137 64084 SH SOLE 0 0 64084 TEVA PHARMACEUTICAL SPONSORED ADS 881624209 164 20500 SH SOLE 0 0 20500 TEXAS INSTRUMENTS COM 882508104 205 1088 SH SOLE 0 0 1088 THERMO FISHER COM 883556102 272 408 SH SOLE 0 0 408 U S BANCORP DE COM NEW 902973304 499 8879 SH SOLE 0 0 8879 UNITED PARCEL CL B 911312106 240 1118 SH SOLE 0 0 1118 VANGUARD DIVIDEND DIV APP ETF 921908844 2223 12939 SH SOLE 0 0 12939 VANGUARD TOTAL VG TL INTL STK F 921909768 8566 134737 SH SOLE 0 0 134737 VANGUARD S&P 500 GRTH IDX F 921932505 247 817 SH SOLE 0 0 817 VANGUARD SHORT SHORT TRM BOND 921937827 909 11244 SH SOLE 0 0 11244 VANGUARD TOTAL TOTAL BND MRKT 921937835 5432 64087 SH SOLE 0 0 64087 VANGUARD FTSE FTSE DEV MKT ETF 921943858 1574 30811 SH SOLE 0 0 30811 VANGUARD SHORT STRM INFPROIDX 922020805 331 6446 SH SOLE 0 0 6446 VANGUARD FTSE FTSE SMCAP ETF 922042718 1084 8090 SH SOLE 0 0 8090 VANGUARD TOTAL TT WRLD ST ETF 922042742 15644 145619 SH SOLE 0 0 145619 VANGUARD FSTE FTSE EMR MKT ETF 922042858 7835 158415 SH SOLE 0 0 158415 VANGUARD S&P S&P 500 ETF SHS 922908363 19529 44734 SH SOLE 0 0 44734 VANGUARD MID MCAP VL IDXVIP 922908512 408 2714 SH SOLE 0 0 2714 VANGUARD REAL REAL ESTATE ETF 922908553 2892 24934 SH SOLE 0 0 24934 VANGUARD SMALL SM CP VAL ETF 922908611 43880 245344 SH SOLE 0 0 245344 VANGUARD MID MID CAP ETF 922908629 1121 4401 SH SOLE 0 0 4401 VANGUARD LARGE LARGE CAP ETF 922908637 591 2675 SH SOLE 0 0 2675 VANGUARD EXTENDED EXTEND MKT ETF 922908652 1286 7033 SH SOLE 0 0 7033 VANGUARD GROWTH GROWTH ETF 922908736 745 2320 SH SOLE 0 0 2320 VANGUARD VALUE VALUE ETF 922908744 4105 27906 SH SOLE 0 0 27906 VANGUARD SMALL SMALL CP ETF 922908751 483 2138 SH SOLE 0 0 2138 VANGUARD TOTAL TOTAL STK MKT 922908769 87870 363941 SH SOLE 0 0 363941 WALMART INC COM 931142103 405 2800 SH SOLE 0 0 2800 WELLS FARGO COM 949746101 201 4186 SH SOLE 0 0 4186 AT&T INC COM 00206R102 384 15615 SH SOLE 0 0 15615 ARK INNOVATION INNOVATION ETF 00214Q104 1267 13393 SH SOLE 0 0 13393 ABBOTT LABORATORIES COM 002824100 236 1674 SH SOLE 0 0 1674 ABBVIE INC COM 00287Y109 707 5224 SH SOLE 0 0 5224 ADOBE INC COM 00724F101 303 533 SH SOLE 0 0 533 ALIGN TECHNOLOGY COM 016255101 212 323 SH SOLE 0 0 323 ALPHABET INC CAP STK CL C 02079K107 1016 351 SH SOLE 0 0 351 ALPHABET INC CAP STK CL A 02079K305 3508 1211 SH SOLE 0 0 1211 ALTRIA GROUP COM 02209S103 919 19388 SH SOLE 0 0 19388 AMAZON COM COM 023135106 7509 2252 SH SOLE 0 0 2252 AMGEN INC COM 031162100 2135 9491 SH SOLE 0 0 9491 ANNALY CAPITAL COM 035710409 146 18651 SH SOLE 0 0 18651 APPLE INC COM 037833100 29702 167268 SH SOLE 0 0 167268 APPLIED MATERIALS COM 038222105 331 2103 SH SOLE 0 0 2103 AVERY DENNISON CORP COM 053611109 217 1000 SH SOLE 0 0 1000 BANK AMERICA COM 060505104 347 7798 SH SOLE 0 0 7798 BERKSHIRE HATHAWAY CL A 084670108 901 2 SH SOLE 0 0 2 BERKSHIRE HATHAWAY CL B NEW 084670702 7203 24091 SH SOLE 0 0 24091 BIOGEN INC COM 09062X103 342 1426 SH SOLE 0 0 1426 BIOLASE INC COM NEW 090911207 22 57500 SH SOLE 0 0 57500 BLACKROCK INC COM 09247X101 674 736 SH SOLE 0 0 736 BNY MELLON US LRG CP CORE 09661T107 11080 123646 SH SOLE 0 0 123646 BNY MELLON CORE BOND ETF 09661T602 3416 69539 SH SOLE 0 0 69539 BROADCOM INC COM 11135F101 440 661 SH SOLE 0 0 661 CISCO SYSTEMS COM 17275R102 539 8508 SH SOLE 0 0 8508 COINBASE GLOBAL COM CL A 19260Q107 810 3209 SH SOLE 0 0 3209 COMCAST CORP CL A 20030N101 418 8317 SH SOLE 0 0 8317 CORTEVA INC COM 22052L104 697 14734 SH SOLE 0 0 14734 COSTCO WHOLESALE COM 22160K105 223 392 SH SOLE 0 0 392 DIMENSIONAL US US TARGETED VLU 25434V609 1308 27532 SH SOLE 0 0 27532 DIMENSIONAL US US CORE EQUITY 2 25434V708 7260 250595 SH SOLE 0 0 250595 DIMENSIONAL INTL INTERNATNAL VAL 25434V807 620 18879 SH SOLE 0 0 18879 DIMENSIONAL WORLD WORLD EX US CORE 25434V880 1228 47024 SH SOLE 0 0 47024 DUPONT DE COM 26614N102 931 11531 SH SOLE 0 0 11531 EXXON MOBIL COM 30231G102 495 8096 SH SOLE 0 0 8096 FACEBOOK INC CL A 30303M102 998 2968 SH SOLE 0 0 2968 FARMERS & MERCHANTS COM 30779N105 219 6664 SH SOLE 0 0 6664 FORTINET INC COM 34959E109 529 1470 SH SOLE 0 0 1470 GSX TECHEDU SPONSORED ADS 36257Y109 31 15847 SH SOLE 0 0 15847 GLOBAL X LITHIUM BTRY ETF 37954Y855 204 2418 SH SOLE 0 0 2418 INVESCO QQQ UNIT SER 1 46090E103 854 2146 SH SOLE 0 0 2146 INVESCO S&P S&P500 PUR GWT 46137V266 302 1432 SH SOLE 0 0 1432 INVESCO S&P S&P500 EQL TEC 46137V282 346 1068 SH SOLE 0 0 1068 INVESCO S&P S&P500 EQL HLT 46137V332 221 690 SH SOLE 0 0 690 INVESCO S&P S&P500 EQL WGT 46137V357 282 1734 SH SOLE 0 0 1734 ISHARES CORE CORE MSCI TOTAL 46432F834 1426 20099 SH SOLE 0 0 20099 BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2059 40865 SH SOLE 0 0 40865 ISHARES ESG ESG AWR US AGRGT 46435U549 211 3821 SH SOLE 0 0 3821 JPMORGAN CHASE COM 46625H100 500 3153 SH SOLE 0 0 3153 KLA CORP COM NEW 482480100 676 1571 SH SOLE 0 0 1571 LCI INDS COM 50189K103 1063 6822 SH SOLE 0 0 6822 LEVEL ONE COM 52730D208 730 18500 SH SOLE 0 0 18500 MASTERCARD INC CL A 57636Q104 231 642 SH SOLE 0 0 642 MERCK & COMPANY COM 58933Y105 930 12131 SH SOLE 0 0 12131 METLIFE INC COM 59156R108 336 5378 SH SOLE 0 0 5378 NETFLIX INC COM 64110L106 859 1426 SH SOLE 0 0 1426 NUCOR CORP COM 670346105 582 5099 SH SOLE 0 0 5099 NVIDIA CORP COM 67066G104 604 2054 SH SOLE 0 0 2054 QUEST DIAGNOSTICS COM 74834L100 488 2820 SH SOLE 0 0 2820 SPDR S&P TR UNIT 78462F103 5539 11662 SH SOLE 0 0 11662 SPDR GOLD GOLD SHS 78463V107 344 2010 SH SOLE 0 0 2010 SPDR DOW UT SER 1 78467X109 408 1123 SH SOLE 0 0 1123 SPDR S&P UTSER1 S&PDCRP 78467Y107 1091 2106 SH SOLE 0 0 2106 SALESFORCE.COM INC COM 79466L302 312 1230 SH SOLE 0 0 1230 SANOFI SPONSORED ADR 80105N105 281 5610 SH SOLE 0 0 5610 SECTOR FINANCIAL SBI INT-FINL 81369Y605 513 13143 SH SOLE 0 0 13143 SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 899 5167 SH SOLE 0 0 5167 SMILEDIRECTCLUB INC CL A COM 83192H106 42 17933 SH SOLE 0 0 17933 TARGET CORP COM 87612E106 416 1798 SH SOLE 0 0 1798 TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109 137 19925 SH SOLE 0 0 19925 TESLA INC COM 88160R101 1005 951 SH SOLE 0 0 951 3M COMPANY COM 88579Y101 511 2879 SH SOLE 0 0 2879 TYSON FOODS CL A 902494103 403 4620 SH SOLE 0 0 4620 UNITEDHEALTH GROUP COM 91324P102 228 455 SH SOLE 0 0 455 VANGUARD ESG ESG INTL STK ETF 921910725 229 3687 SH SOLE 0 0 3687 VANGUARD TOTAL INTL BD IDX ETF 92203J407 378 6855 SH SOLE 0 0 6855 VANGUARD HEALTH HEALTH CAR ETF 92204A504 452 1696 SH SOLE 0 0 1696 VANGUARD INFORMATION INF TECH ETF 92204A702 1238 2702 SH SOLE 0 0 2702 VANGUARD SHORT SHORT TERM TREAS 92206C102 287 4712 SH SOLE 0 0 4712 VANGUARD RUSSELL VNG RUS2000VAL 92206C649 558 3839 SH SOLE 0 0 3839 VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1309 17752 SH SOLE 0 0 17752 LONG TERM TREAS LONG TERM TREAS 92206C847 242 2705 SH SOLE 0 0 2705 VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2474 45056 SH SOLE 0 0 45056 VIATRIS INC COM 92556V106 207 15311 SH SOLE 0 0 15311 VISA INC COM CL A 92826C839 875 4038 SH SOLE 0 0 4038 WISDOMTREE TR CURRNCY INT EQ 97717X263 358 11605 SH SOLE 0 0 11605 WORLD GOLD SPDR GLD MINIS 98149E204 4793 263613 SH SOLE 0 0 263613 ZOETIS INC CL A 98978V103 7095 29074 SH SOLE 0 0 29074 EATON CORP SHS G29183103 793 4588 SH SOLE 0 0 4588 LINDE PLC COM G5494J103 842 2431 SH SOLE 0 0 2431 APOGEE ENTERPRISES COM 037598109 433 9000 SH SOLE 0 0 9000 APOLLO GLOBAL COM CL A 03768E105 336 4633 SH SOLE 0 0 4633 BALCHEM CORP COM 057665200 843 5000 SH SOLE 0 0 5000 BLACKSTONE INC COM 09260D107 421 3255 SH SOLE 0 0 3255 BNY MELLON US MDCP CORE EQT 09661T206 395 4167 SH SOLE 0 0 4167 BNY MELLON INTERNATIONL EQT 09661T404 1095 14731 SH SOLE 0 0 14731 BNY MELLON EMRG MKT EQUIT 09661T503 266 3902 SH SOLE 0 0 3902 CARLYLE GROUP COM 14316J108 379 6911 SH SOLE 0 0 6911 FIRST SOLAR COM 336433107 436 5000 SH SOLE 0 0 5000 KKR & CO COM 48251W104 398 5348 SH SOLE 0 0 5348 MCKESSON CORP COM 58155Q103 1244 5005 SH SOLE 0 0 5005 MICRON TECHNOLOGY INC COM 595112103 1867 20039 SH SOLE 0 0 20039 MILLERKNOLL INC COM 600544100 588 15000 SH SOLE 0 0 15000 PAYCHEX INC COM 704326107 274 2007 SH SOLE 0 0 2007 POLARIS INC COM 731068102 220 2000 SH SOLE 0 0 2000 PROVIDENT BANCORP COM 74383L105 216 11611 SH SOLE 0 0 11611 QORVO INC COM NEW 74736K101 587 3751 SH SOLE 0 0 3751 WHIRLPOOL CORP COM 963320106 470 2002 SH SOLE 0 0 2002 WORTHINGTON INDUSTRIES COM 981811102 273 5000 SH SOLE 0 0 5000