Chief Compliance Officer

0001776290-22-000004.txt : 20221018 0001776290-22-000004.hdr.sgml : 20221018 20221018113706 ACCESSION NUMBER: 0001776290-22-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220930 FILED AS OF DATE: 20221018 DATE AS OF CHANGE: 20221018 EFFECTIVENESS DATE: 20221018 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: 221315382 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 09-30-2022 09-30-2022 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 10-18-2022 0 217 663327 false INFORMATION TABLE 2 13FXML2022Q3.xml 3M COMPANY COM 88579Y101 276 2497 SH SOLE 0 0 2497 ABBVIE INC COM 00287Y109 1110 8270 SH SOLE 0 0 8270 ADOBE INC COM 00724F101 293 1066 SH SOLE 0 0 1066 ALLSTATE CORP COM 020002101 201 1613 SH SOLE 0 0 1613 ALPHABET INC CAP STK CL C 02079K107 694 7220 SH SOLE 0 0 7220 ALPHABET INC CAP STK CL A 02079K305 2774 29007 SH SOLE 0 0 29007 ALTRIA GROUP COM 02209S103 723 17898 SH SOLE 0 0 17898 AMAZON COM COM 023135106 4998 44227 SH SOLE 0 0 44227 AMERICAN EXPRESS COM 025816109 301 2229 SH SOLE 0 0 2229 AMERN AXLE & MFG HLDGS COM 024061103 75 10974 SH SOLE 0 0 10974 AMGEN INC COM 031162100 2508 11125 SH SOLE 0 0 11125 APOGEE ENTERPRISES COM 037598109 344 9000 SH SOLE 0 0 9000 APOLLO GLOBAL COM 03769M106 646 13903 SH SOLE 0 0 13903 APPLE INC COM 037833100 26885 194536 SH SOLE 0 0 194536 APPLIED INDUSTRIAL TECH COM 03820C105 3114 30293 SH SOLE 0 0 30293 ARK INNOVATION INNOVATION ETF 00214Q104 859 22776 SH SOLE 0 0 22776 AT&T INC COM 00206R102 237 15441 SH SOLE 0 0 15441 BALCHEM CORP COM 057665200 608 5000 SH SOLE 0 0 5000 BANK AMERICA COM 060505104 206 6811 SH SOLE 0 0 6811 BERKSHIRE HATHAWAY CL A 084670108 813 2 SH SOLE 0 0 2 BERKSHIRE HATHAWAY CL B NEW 084670702 6753 25289 SH SOLE 0 0 25289 BIOGEN INC COM 09062X103 304 1136 SH SOLE 0 0 1136 BLACKROCK INC COM 09247X101 409 743 SH SOLE 0 0 743 BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 6547 130902 SH SOLE 0 0 130902 BLACKSTONE INC COM 09260D107 1052 12570 SH SOLE 0 0 12570 BNY MELLON US LRG CP CORE 09661T107 23193 349193 SH SOLE 0 0 349193 BNY MELLON US MDCP CORE EQT 09661T206 1347 18667 SH SOLE 0 0 18667 BNY MELLON INTERNATIONL EQT 09661T404 3073 57395 SH SOLE 0 0 57395 BNY MELLON EMRG MKT EQUIT 09661T503 824 16737 SH SOLE 0 0 16737 BNY MELLON CORE BOND ETF 09661T602 7758 187642 SH SOLE 0 0 187642 BRISTOL MYERS COM 110122108 619 8707 SH SOLE 0 0 8707 BROADCOM INC COM 11135F101 588 1324 SH SOLE 0 0 1324 CARLYLE GROUP COM 14316J108 482 18672 SH SOLE 0 0 18672 CATERPILLAR INC COM 149123101 532 3244 SH SOLE 0 0 3244 CHEVRON CORP COM 166764100 522 3635 SH SOLE 0 0 3635 CISCO SYSTEMS COM 17275R102 708 17711 SH SOLE 0 0 17711 CMS ENERGY COM 125896100 1361 23377 SH SOLE 0 0 23377 COCA COLA COMPANY COM 191216100 536 9577 SH SOLE 0 0 9577 COINBASE GLOBAL COM CL A 19260Q107 223 3462 SH SOLE 0 0 3462 COMERICA INC COM 200340107 407 5730 SH SOLE 0 0 5730 CORTEVA INC COM 22052L104 861 15067 SH SOLE 0 0 15067 COSTCO WHOLESALE COM 22160K105 252 534 SH SOLE 0 0 534 CVS HEALTH COM 126650100 644 6756 SH SOLE 0 0 6756 DANAHER CORP COM 235851102 422 1635 SH SOLE 0 0 1635 DIMENSIONAL INTL INTERNATNAL VAL 25434V807 501 19446 SH SOLE 0 0 19446 DIMENSIONAL US US EQUITY ETF 25434V401 1360 35028 SH SOLE 0 0 35028 DIMENSIONAL US US TARGETED VLU 25434V609 1065 27327 SH SOLE 0 0 27327 DIMENSIONAL US US CORE EQUITY 2 25434V708 13138 590739 SH SOLE 0 0 590739 DIMENSIONAL US US CORE EQT MKT 25434V104 9380 372972 SH SOLE 0 0 372972 DIMENSIONAL US US MKTWIDE VALUE 25434V724 747 25211 SH SOLE 0 0 25211 DIMENSIONAL WORLD WORLD EX US CORE 25434V880 999 52868 SH SOLE 0 0 52868 DOLLAR GENL COM 256677105 1223 5098 SH SOLE 0 0 5098 DOW INC COM 260557103 1189 27071 SH SOLE 0 0 27071 DUPONT DE COM 26614N102 368 7301 SH SOLE 0 0 7301 EATON CORP SHS G29183103 627 4705 SH SOLE 0 0 4705 ELEVANCE HEALTH COM 036752103 285 628 SH SOLE 0 0 628 ELI LILLY COM 532457108 319 988 SH SOLE 0 0 988 EXXON MOBIL COM 30231G102 894 10237 SH SOLE 0 0 10237 FIRST MERCHANTS COM 320817109 397 10258 SH SOLE 0 0 10258 FIRST SOLAR COM 336433107 661 5000 SH SOLE 0 0 5000 FORD MOTOR COM 345370860 511 45602 SH SOLE 0 0 45602 FORTINET INC COM 34959E109 361 7350 SH SOLE 0 0 7350 GENERAL MILLS COM 370334104 500 6520 SH SOLE 0 0 6520 GILEAD SCIENCES COM 375558103 347 5628 SH SOLE 0 0 5628 GSX TECHEDU SPONSORED ADS 36257Y109 17 14129 SH SOLE 0 0 14129 HERSHEY COMPANY COM 427866108 355 1610 SH SOLE 0 0 1610 HOME DEPOT COM 437076102 1015 3678 SH SOLE 0 0 3678 HONEYWELL INTL COM 438516106 2113 12652 SH SOLE 0 0 12652 INTEL CORP COM 458140100 348 13501 SH SOLE 0 0 13501 INTL BUSINESS COM 459200101 1998 16818 SH SOLE 0 0 16818 INVESCO EXCHANGE S&P500 LOW VOL 46138E354 244 4227 SH SOLE 0 0 4227 INVESCO NASDAQ NASDAQ 100 ETF 46138G649 229 2084 SH SOLE 0 0 2084 INVESCO QQQ UNIT SER 1 46090E103 2421 9057 SH SOLE 0 0 9057 INVESCO S&P S&P500 EQL TEC 46137V282 242 1068 SH SOLE 0 0 1068 INVESCO S&P S&P500 EQL WGT 46137V357 221 1734 SH SOLE 0 0 1734 ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2450 30171 SH SOLE 0 0 30171 ISHARES CORE CORE S&P TTL STK 464287150 52213 656429 SH SOLE 0 0 656429 ISHARES CORE CORE S&P500 ETF 464287200 3630 10121 SH SOLE 0 0 10121 ISHARES CORE CORE US AGGBD ET 464287226 3262 33852 SH SOLE 0 0 33852 ISHARES CORE CORE S&P MCP ETF 464287507 981 4475 SH SOLE 0 0 4475 ISHARES CORE CORE S&P SCP ETF 464287804 1345 15435 SH SOLE 0 0 15435 ISHARES CORE CORE MSCI TOTAL 46432F834 2034 39943 SH SOLE 0 0 39943 ISHARES CORE CORE MSCI EMKT 46434G103 387 8994 SH SOLE 0 0 8994 ISHARES GOLD ISHARES NEW 464285204 27092 859261 SH SOLE 0 0 859261 ISHARES MSCI MSCI EAFE ETF 464287465 897 16025 SH SOLE 0 0 16025 ISHARES MSCI EAFE VALUE ETF 464288877 3481 90359 SH SOLE 0 0 90359 ISHARES NATIONAL NATIONAL MUN 464288414 4431 43197 SH SOLE 0 0 43197 ISHARES RUSS RUS MDCP VAL ETF 464287473 373 3885 SH SOLE 0 0 3885 ISHARES RUSSELL RUS MID CAP ETF 464287499 323 5201 SH SOLE 0 0 5201 ISHARES RUSSELL RUS 1000 GRW ETF 464287614 561 2664 SH SOLE 0 0 2664 ISHARES RUSSELL RUS 1000 ETF 464287622 1067 5408 SH SOLE 0 0 5408 ISHARES RUSSELL RUS 2000 VAL ETF 464287630 17363 134668 SH SOLE 0 0 134668 ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2184 10550 SH SOLE 0 0 10550 ISHARES S&P S&P 500 GRWT ETF 464287309 244 4222 SH SOLE 0 0 4222 ISHARES S&P S&P 500 VAL ETF 464287408 378 2940 SH SOLE 0 0 2940 ISHARES S&P S&P MC 400VL ETF 464287705 251 2790 SH SOLE 0 0 2790 ISHARES S&P SP SMCP600VL ETF 464287879 1155 14005 SH SOLE 0 0 14005 ISHARES SELECT SELECT DIVID ETF 464287168 2316 21596 SH SOLE 0 0 21596 ISHARES SHORT SHRT NAT MUN ETF 464288158 6001 58453 SH SOLE 0 0 58453 ISHARES TIPS TIPS BD ETF 464287176 8766 83561 SH SOLE 0 0 83561 ISHARES U S US TREAS BD ETF 46429B267 223 9804 SH SOLE 0 0 9804 ISHARES U S US HOME CONS ETF 464288752 804 15450 SH SOLE 0 0 15450 JOHNSON & JOHNSON COM 478160104 4325 26477 SH SOLE 0 0 26477 JPMORGAN CHASE COM 46625H100 356 3405 SH SOLE 0 0 3405 KELLOGG CO COM 487836108 1381 19830 SH SOLE 0 0 19830 KIMBERLY CLARK COM 494368103 425 3775 SH SOLE 0 0 3775 KKR & CO COM 48251W104 511 11876 SH SOLE 0 0 11876 KLA CORP COM NEW 482480100 629 2076 SH SOLE 0 0 2076 LCI INDS COM 50189K103 1202 11844 SH SOLE 0 0 11844 LINCOLN NATL CORP IN COM 534187109 227 5175 SH SOLE 0 0 5175 LINDE PLC COM G5494J103 693 2572 SH SOLE 0 0 2572 LOWES COMPANIES COM 548661107 1358 7230 SH SOLE 0 0 7230 MASTERCARD INC CL A 57636Q104 209 734 SH SOLE 0 0 734 MCDONALDS CORP COM 580135101 627 2718 SH SOLE 0 0 2718 MCKESSON CORP COM 58155Q103 1703 5012 SH SOLE 0 0 5012 MERCK & COMPANY COM 58933Y105 1380 16024 SH SOLE 0 0 16024 METLIFE INC COM 59156R108 327 5378 SH SOLE 0 0 5378 MICRON TECHNOLOGY INC COM 595112103 1026 20478 SH SOLE 0 0 20478 MICROSOFT CORP COM 594918104 12917 55460 SH SOLE 0 0 55460 MONDELEZ INTERNATIONAL CL A 609207105 1150 20975 SH SOLE 0 0 20975 NEXTERA ENERGY COM 65339F101 341 4345 SH SOLE 0 0 4345 NUCOR CORP COM 670346105 548 5125 SH SOLE 0 0 5125 NVIDIA CORP COM 67066G104 569 4683 SH SOLE 0 0 4683 PAYCHEX INC COM 704326107 285 2540 SH SOLE 0 0 2540 PEPSICO INC COM 713448108 2789 17082 SH SOLE 0 0 17082 PFIZER INC COM 717081103 3301 75436 SH SOLE 0 0 75436 PHILIP MORRIS COM 718172109 1130 13615 SH SOLE 0 0 13615 POLARIS INC COM 731068102 214 2241 SH SOLE 0 0 2241 PROCTER & GAMBLE COM 742718109 2677 21209 SH SOLE 0 0 21209 PRUDENTIAL FINANCIAL COM 744320102 859 10010 SH SOLE 0 0 10010 QORVO INC COM NEW 74736K101 298 3750 SH SOLE 0 0 3750 QUALCOMM INC COM 747525103 786 6954 SH SOLE 0 0 6954 QUEST DIAGNOSTICS COM 74834L100 300 2448 SH SOLE 0 0 2448 SANOFI SPONSORED ADR 80105N105 206 5413 SH SOLE 0 0 5413 SCHWAB AGGREGATE US AGGREGATE B 808524839 3317 73211 SH SOLE 0 0 73211 SCHWAB EMERGING EMRG MKTEQ ETF 808524706 739 32988 SH SOLE 0 0 32988 SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 489 9953 SH SOLE 0 0 9953 SCHWAB INTL INTL EQTY ETF 808524805 3462 123081 SH SOLE 0 0 123081 SCHWAB STRATEGIC 1000 INDEX ETF 808524722 689 19910 SH SOLE 0 0 19910 SCHWAB US US BRD MKT ETF 808524102 6621 157668 SH SOLE 0 0 157668 SCHWAB US US LRG CAP ETF 808524201 1151 27175 SH SOLE 0 0 27175 SCHWAB US US LCAP VA ETF 808524409 665 11366 SH SOLE 0 0 11366 SCHWAB US US MID-CAP ETF 808524508 653 10789 SH SOLE 0 0 10789 SCHWAB US US SML CAP ETF 808524607 861 22782 SH SOLE 0 0 22782 SCHWAB US US TIPS ETF 808524870 4533 87515 SH SOLE 0 0 87515 SECTOR FINANCIAL SBI INT-FINL 81369Y605 388 12791 SH SOLE 0 0 12791 SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 693 5834 SH SOLE 0 0 5834 SHYFT GROUP COM 825698103 437 21381 SH SOLE 0 0 21381 SMILEDIRECTCLUB INC CL A COM 83192H106 14 14933 SH SOLE 0 0 14933 SOUTHERN COMPANY COM 842587107 382 5613 SH SOLE 0 0 5613 SPDR DOW UT SER 1 78467X109 637 2218 SH SOLE 0 0 2218 SPDR GOLD GOLD SHS 78463V107 388 2507 SH SOLE 0 0 2507 SPDR S&P TR UNIT 78462F103 4625 12947 SH SOLE 0 0 12947 SPDR S&P UTSER1 S&PDCRP 78467Y107 887 2207 SH SOLE 0 0 2207 SPDR SERIES S&P HOMEBUILD 78464A888 603 11030 SH SOLE 0 0 11030 STARBUCKS CORP COM 855244109 383 4543 SH SOLE 0 0 4543 STEELCASE INC CL A 858155203 166 25531 SH SOLE 0 0 25531 STRYKER CORP COM 863667101 13112 64737 SH SOLE 0 0 64737 TARGET CORP COM 87612E106 315 2126 SH SOLE 0 0 2126 TESLA INC COM 88160R101 772 2909 SH SOLE 0 0 2909 TEVA PHARMACEUTICAL SPONSORED ADS 881624209 177 21950 SH SOLE 0 0 21950 TEXAS INSTRUMENTS COM 882508104 320 2069 SH SOLE 0 0 2069 TIZIANA LIFE COM G88912103 16 20700 SH SOLE 0 0 20700 TYSON FOODS CL A 902494103 304 4616 SH SOLE 0 0 4616 U S BANCORP DE COM NEW 902973304 585 14502 SH SOLE 0 0 14502 UBS GROUP SHS H42097107 152 10460 SH SOLE 0 0 10460 UNITED PARCEL CL B 911312106 330 2046 SH SOLE 0 0 2046 UNITEDHEALTH GROUP COM 91324P102 201 398 SH SOLE 0 0 398 VANGUARD DIVIDEND DIV APP ETF 921908844 1910 14136 SH SOLE 0 0 14136 VANGUARD ESG ESG US STK ETF 921910733 207 3287 SH SOLE 0 0 3287 VANGUARD EXTENDED EXTEND MKT ETF 922908652 406 3195 SH SOLE 0 0 3195 VANGUARD FSTE FTSE EMR MKT ETF 922042858 8949 245235 SH SOLE 0 0 245235 VANGUARD FTSE FTSE DEV MKT ETF 921943858 2116 58172 SH SOLE 0 0 58172 VANGUARD FTSE FTSE SMCAP ETF 922042718 732 7884 SH SOLE 0 0 7884 VANGUARD GROWTH GROWTH ETF 922908736 550 2569 SH SOLE 0 0 2569 VANGUARD HEALTH HEALTH CAR ETF 92204A504 432 1930 SH SOLE 0 0 1930 VANGUARD HIGH HIGH DIV YLD 921946406 6850 72202 SH SOLE 0 0 72202 VANGUARD INFORMATION INF TECH ETF 92204A702 989 3219 SH SOLE 0 0 3219 VANGUARD INTERMEDIATE INTERMED TERM 921937819 232 3160 SH SOLE 0 0 3160 VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 389 5138 SH SOLE 0 0 5138 VANGUARD INTERNATIONAL INTL HIGH ETF 921946794 390 7492 SH SOLE 0 0 7492 VANGUARD LARGE LARGE CAP ETF 922908637 682 4167 SH SOLE 0 0 4167 VANGUARD MEGA MEGA CAP INDEX 921910873 529 4237 SH SOLE 0 0 4237 VANGUARD MID MCAP VL IDXVIP 922908512 212 1738 SH SOLE 0 0 1738 VANGUARD MID MID CAP ETF 922908629 1647 8765 SH SOLE 0 0 8765 VANGUARD MORTGAGE MORTG-BACK SEC 92206C771 325 7212 SH SOLE 0 0 7212 VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 239 4967 SH SOLE 0 0 4967 VANGUARD REAL REAL ESTATE ETF 922908553 3351 41798 SH SOLE 0 0 41798 VANGUARD RUSSELL VNG RUS2000VAL 92206C649 269 2371 SH SOLE 0 0 2371 VANGUARD RUSSELL VNG RUS1000GRW 92206C680 249 4597 SH SOLE 0 0 4597 VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1241 20787 SH SOLE 0 0 20787 VANGUARD RUSSELL VNG RUS1000IDX 92206C730 337 2062 SH SOLE 0 0 2062 VANGUARD S&P S&P 500 ETF SHS 922908363 24388 74283 SH SOLE 0 0 74283 VANGUARD SHORT SHORT TRM BOND 921937827 707 9440 SH SOLE 0 0 9440 VANGUARD SHORT STRM INFPROIDX 922020805 228 4738 SH SOLE 0 0 4738 VANGUARD SHORT SHORT TERM TREAS 92206C102 1110 19210 SH SOLE 0 0 19210 VANGUARD SHORT SHRT TRM CORP BD 92206C409 6527 87873 SH SOLE 0 0 87873 VANGUARD SMALL SM CP VAL ETF 922908611 37662 262638 SH SOLE 0 0 262638 VANGUARD SMALL SMALL CP ETF 922908751 852 4983 SH SOLE 0 0 4983 VANGUARD TOTAL VG TL INTL STK F 921909768 19004 415213 SH SOLE 0 0 415213 VANGUARD TOTAL TOTAL BND MRKT 921937835 10779 151107 SH SOLE 0 0 151107 VANGUARD TOTAL INTL BD IDX ETF 92203J407 491 10289 SH SOLE 0 0 10289 VANGUARD TOTAL TT WRLD ST ETF 922042742 31698 401849 SH SOLE 0 0 401849 VANGUARD TOTAL TOTAL STK MKT 922908769 86158 480069 SH SOLE 0 0 480069 VANGUARD VALUE VALUE ETF 922908744 4659 37730 SH SOLE 0 0 37730 VIATRIS INC COM 92556V106 137 16105 SH SOLE 0 0 16105 VISA INC COM CL A 92826C839 729 4102 SH SOLE 0 0 4102 WALMART INC COM 931142103 352 2713 SH SOLE 0 0 2713 WALT DISNEY COM DISNEY 254687106 203 2156 SH SOLE 0 0 2156 WHIRLPOOL CORP COM 963320106 270 2002 SH SOLE 0 0 2002 WORLD GOLD SPDR GLD MINIS 98149E303 4024 122012 SH SOLE 0 0 122012 ZOETIS INC CL A 98978V103 3605 24309 SH SOLE 0 0 24309 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 5329 247051 SH SOLE 0 0 247051 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1106 23765 SH SOLE 0 0 23765 DIMENSIONAL EMERGING EMGR CRE EQT MNG 25434V302 296 14744 SH SOLE 0 0 14744 SPDR PORTFOLIO PRTFLO S&P500 VL 78464A508 458 13288 SH SOLE 0 0 13288 NEW MTN FIN CORP COM 647551100 137 11861 SH SOLE 0 0 11861