0001776290-23-000003.txt : 20230517 0001776290-23-000003.hdr.sgml : 20230517 20230517161046 ACCESSION NUMBER: 0001776290-23-000003 CONFORMED SUBMISSION TYPE: 13F-HR/A PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230517 DATE AS OF CHANGE: 20230517 EFFECTIVENESS DATE: 20230517 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/A SEC ACT: 1934 Act SEC FILE NUMBER: 028-19517 FILM NUMBER: 23931801 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/A 1 primary_doc.xml X0202 13F-HR/A LIVE false true false 0001776290 XXXXXXXX 12-31-2022 12-31-2022 true 1 RESTATEMENT Zhang Financial LLC

5931 OAKLAND DR. PORTAGE MI 49024

13F HOLDINGS REPORT 028-19517 000159257 801-72987 N Lynn L. Chen-Zhang 269.385.5888 Lynn L. Chen-Zhang Portage MI 05-17-2023 0 227 784159631 false INFORMATION TABLE 2 13FXML2022Q4.xml 3M COMPANY COM 88579Y101 565683 4717 SH SOLE 0 0 4717 ABBOTT LABORATORIES COM 002824100 236814 2157 SH SOLE 0 0 2157 ABBVIE INC COM 00287Y109 1139517 7051 SH SOLE 0 0 7051 ADOBE INC COM 00724F101 355039 1055 SH SOLE 0 0 1055 ALLSTATE CORP COM 020002101 217649 1605 SH SOLE 0 0 1605 ALPHABET INC CAP STK CL C 02079K107 640453 7218 SH SOLE 0 0 7218 ALPHABET INC CAP STK CL A 02079K305 2564141 29062 SH SOLE 0 0 29062 ALTRIA GROUP COM 02209S103 878740 19224 SH SOLE 0 0 19224 AMAZON COM COM 023135106 3430644 40841 SH SOLE 0 0 40841 AMERICAN EXPRESS COM 025816109 374340 2534 SH SOLE 0 0 2534 AMGEN INC COM 031162100 3178341 12102 SH SOLE 0 0 12102 APOGEE ENTERPRISES COM 037598109 400140 9000 SH SOLE 0 0 9000 APOLLO GLOBAL COM 03769M106 889349 13942 SH SOLE 0 0 13942 APPLE INC COM 037833100 22999513 177014 SH SOLE 0 0 177014 APPLIED INDUSTRIAL TECH COM 03820C105 3565770 28293 SH SOLE 0 0 28293 ARK INNOVATION INNOVATION ETF 00214Q104 406433 13010 SH SOLE 0 0 13010 AT&T INC COM 00206R102 286091 15540 SH SOLE 0 0 15540 AUTODESK INC COM 052769106 364397 1950 SH SOLE 0 0 1950 BALCHEM CORP COM 057665200 610550 5000 SH SOLE 0 0 5000 BERKSHIRE HATHAWAY CL A 084670108 1406133 3 SH SOLE 0 0 3 BERKSHIRE HATHAWAY CL B 084670702 7595542 24589 SH SOLE 0 0 24589 BIOGEN INC COM 09062X103 304889 1101 SH SOLE 0 0 1101 BLACKROCK INC COM 09247X101 539267 761 SH SOLE 0 0 761 BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 12606190 251922 SH SOLE 0 0 251922 BLACKSTONE INC COM 09260D107 897333 12095 SH SOLE 0 0 12095 BNY MELLON US LRG CP CORE 09661T107 20270112 289178 SH SOLE 0 0 289178 BNY MELLON US MDCP CORE EQT 09661T206 1273153 16250 SH SOLE 0 0 16250 BNY MELLON INTERNATIONL EQT 09661T404 2950301 47353 SH SOLE 0 0 47353 BNY MELLON EMRG MKT EQUIT 09661T503 727761 13659 SH SOLE 0 0 13659 BNY MELLON CORE BOND ETF 09661T602 4803122 115460 SH SOLE 0 0 115460 BOEING COMPANY COM 097023105 245923 1291 SH SOLE 0 0 1291 BOOKING HOLDINGS COM 09857L108 437316 217 SH SOLE 0 0 217 BRISTOL MYERS COM 110122108 817968 11369 SH SOLE 0 0 11369 BROADCOM INC COM 11135F101 1098857 1965 SH SOLE 0 0 1965 CARLYLE GROUP COM 14316J108 566218 18975 SH SOLE 0 0 18975 CATERPILLAR INC COM 149123101 1111778 4641 SH SOLE 0 0 4641 CHEVRON CORP COM 166764100 627138 3494 SH SOLE 0 0 3494 CISCO SYSTEMS COM 17275R102 978163 20532 SH SOLE 0 0 20532 CMS ENERGY COM 125896100 1477109 23324 SH SOLE 0 0 23324 COCA COLA COMPANY COM 191216100 694829 10923 SH SOLE 0 0 10923 COMCAST CORP CL A 20030N101 328473 9393 SH SOLE 0 0 9393 COMERICA INC COM 200340107 382649 5724 SH SOLE 0 0 5724 CORTEVA INC COM 22052L104 884521 15048 SH SOLE 0 0 15048 CUMMINS INC COM 231021106 216850 895 SH SOLE 0 0 895 CVS HEALTH COM 126650100 636767 6833 SH SOLE 0 0 6833 DANAHER CORP COM 235851102 429715 1619 SH SOLE 0 0 1619 DIMENSIONAL INTL INTERNATNAL VAL 25434V807 596909 19635 SH SOLE 0 0 19635 DIMENSIONAL US US EQUITY ETF 25434V401 20784659 499511 SH SOLE 0 0 499511 DIMENSIONAL US US TARGETED VLU 25434V609 1205266 27424 SH SOLE 0 0 27424 DIMENSIONAL US US CORE EQUITY 2 25434V708 18724817 771203 SH SOLE 0 0 771203 DIMENSIONAL US US CORE EQT MKT 25434V104 12132629 449024 SH SOLE 0 0 449024 DIMENSIONAL US US MKTWIDE VALUE 25434V724 2515080 75122 SH SOLE 0 0 75122 DIMENSIONAL WORLD WORLD EX US CORE 25434V880 1348318 62422 SH SOLE 0 0 62422 DOLLAR GENL COM 256677105 1253905 5092 SH SOLE 0 0 5092 DOW INC COM 260557103 1391236 27609 SH SOLE 0 0 27609 DUPONT DE COM 26614N102 499970 7285 SH SOLE 0 0 7285 EATON CORP SHS G29183103 757284 4825 SH SOLE 0 0 4825 ELEVANCE HEALTH COM 036752103 366834 715 SH SOLE 0 0 715 ELI LILLY COM 532457108 353767 967 SH SOLE 0 0 967 EMERSON ELECTRIC COM 291011104 295480 3076 SH SOLE 0 0 3076 EXXON MOBIL COM 30231G102 1338162 12132 SH SOLE 0 0 12132 FIRST MERCHANTS COM 320817109 421706 10258 SH SOLE 0 0 10258 FIRST SOLAR COM 336433107 748950 5000 SH SOLE 0 0 5000 FORD MOTOR COM 345370860 448489 38563 SH SOLE 0 0 38563 FORTINET INC COM 34959E109 358119 7325 SH SOLE 0 0 7325 GENERAL MILLS COM 370334104 545482 6505 SH SOLE 0 0 6505 GILEAD SCIENCES COM 375558103 490349 5712 SH SOLE 0 0 5712 GOLDMAN SACHS COM 38141G104 425805 1240 SH SOLE 0 0 1240 GSX TECHEDU SPONSORED ADS 36257Y109 30984 13129 SH SOLE 0 0 13129 HERSHEY COMPANY COM 427866108 372133 1607 SH SOLE 0 0 1607 HOME DEPOT COM 437076102 1127378 3569 SH SOLE 0 0 3569 HONEYWELL INTL COM 438516106 3034599 14161 SH SOLE 0 0 14161 INTEL CORP COM 458140100 242093 9160 SH SOLE 0 0 9160 INTL BUSINESS COM 459200101 2356667 16727 SH SOLE 0 0 16727 INVESCO EXCHANGE S&P500 LOW VOL 46138E354 270105 4227 SH SOLE 0 0 4227 INVESCO NASDAQ NASDAQ 100 ETF 46138G649 251708 2298 SH SOLE 0 0 2298 INVESCO QQQ UNIT SER 1 46090E103 2391133 8979 SH SOLE 0 0 8979 INVESCO S&P S&P500 EQL TEC 46137V282 259503 1068 SH SOLE 0 0 1068 INVESCO S&P S&P500 EQL WGT 46137V357 244928 1734 SH SOLE 0 0 1734 ISHARES 1-3YR 1 3 YR TREAS BD 464287457 3156740 38890 SH SOLE 0 0 38890 ISHARES CORE CORE S&P TTL STK 464287150 57371155 676547 SH SOLE 0 0 676547 ISHARES CORE CORE S&P500 ETF 464287200 5881525 15308 SH SOLE 0 0 15308 ISHARES CORE CORE US AGGBD ET 464287226 1654681 17060 SH SOLE 0 0 17060 ISHARES CORE CORE S&P MCP ETF 464287507 1105650 4571 SH SOLE 0 0 4571 ISHARES CORE CORE S&P SCP ETF 464287804 1419025 14994 SH SOLE 0 0 14994 ISHARES CORE CORE MSCI TOTAL 46432F834 2420196 41814 SH SOLE 0 0 41814 ISHARES GOLD ISHARES 464285204 29136567 842341 SH SOLE 0 0 842341 ISHARES MSCI MSCI EAFE ETF 464287465 1052036 16027 SH SOLE 0 0 16027 ISHARES MSCI EAFE VALUE ETF 464288877 4085036 89038 SH SOLE 0 0 89038 ISHARES NATIONAL NATIONAL MUN 464288414 3374500 31980 SH SOLE 0 0 31980 ISHARES RUSS RUS MDCP VAL ETF 464287473 476558 4524 SH SOLE 0 0 4524 ISHARES RUSSELL RUS MID CAP ETF 464287499 351413 5210 SH SOLE 0 0 5210 ISHARES RUSSELL RUS 1000 GRW ETF 464287614 570735 2664 SH SOLE 0 0 2664 ISHARES RUSSELL RUS 2000 VAL ETF 464287630 18213151 131341 SH SOLE 0 0 131341 ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2290265 10378 SH SOLE 0 0 10378 ISHARES S&P S&P 500 GRWT ETF 464287309 246987 4222 SH SOLE 0 0 4222 ISHARES S&P S&P 500 VAL ETF 464287408 426809 2942 SH SOLE 0 0 2942 ISHARES S&P S&P MC 400VL ETF 464287705 281232 2790 SH SOLE 0 0 2790 ISHARES S&P SP SMCP600VL ETF 464287879 1255941 13755 SH SOLE 0 0 13755 ISHARES SELECT SELECT DIVID ETF 464287168 2468369 20467 SH SOLE 0 0 20467 ISHARES SHORT SHRT NAT MUN ETF 464288158 7864926 75428 SH SOLE 0 0 75428 ISHARES TIPS TIPS BD ETF 464287176 7672500 72083 SH SOLE 0 0 72083 ISHARES U S US TREAS BD ETF 46429B267 226196 9956 SH SOLE 0 0 9956 ISHARES U S US HOME CONS ETF 464288752 936347 15450 SH SOLE 0 0 15450 JOHNSON & JOHNSON COM 478160104 4298076 24331 SH SOLE 0 0 24331 JPMORGAN CHASE COM 46625H100 1215172 9062 SH SOLE 0 0 9062 KELLOGG CO COM 487836108 1401227 19669 SH SOLE 0 0 19669 KIMBERLY CLARK COM 494368103 512456 3775 SH SOLE 0 0 3775 KKR & CO COM 48251W104 558182 12025 SH SOLE 0 0 12025 KLA CORP COM 482480100 973996 2584 SH SOLE 0 0 2584 LCI INDS COM 50189K103 1094978 11844 SH SOLE 0 0 11844 LINDE PLC COM G5494J103 856549 2626 SH SOLE 0 0 2626 LOWES COMPANIES COM 548661107 1425623 7155 SH SOLE 0 0 7155 MARATHON PETROLEUM COM 56585A102 303196 2605 SH SOLE 0 0 2605 MASTERCARD INC CL A 57636Q104 272273 783 SH SOLE 0 0 783 MCDONALDS CORP COM 580135101 731295 2775 SH SOLE 0 0 2775 MCKESSON CORP COM 58155Q103 1878601 5008 SH SOLE 0 0 5008 MERCK & COMPANY COM 58933Y105 1615752 14563 SH SOLE 0 0 14563 METLIFE INC COM 59156R108 387758 5358 SH SOLE 0 0 5358 MICRON TECHNOLOGY INC COM 595112103 1024390 20496 SH SOLE 0 0 20496 MICROSOFT CORP COM 594918104 13111655 54673 SH SOLE 0 0 54673 MONDELEZ INTERNATIONAL CL A 609207105 1437428 21567 SH SOLE 0 0 21567 NEXTERA ENERGY COM 65339F101 386232 4620 SH SOLE 0 0 4620 NORFOLK SOUTHERN COM 655844108 241984 982 SH SOLE 0 0 982 NUCOR CORP COM 670346105 674340 5116 SH SOLE 0 0 5116 NVIDIA CORP COM 67066G104 771870 5282 SH SOLE 0 0 5282 ORACLE CORP COM 68389X105 625878 7657 SH SOLE 0 0 7657 PAYCHEX INC COM 704326107 292713 2533 SH SOLE 0 0 2533 PEPSICO INC COM 713448108 3322136 18389 SH SOLE 0 0 18389 PFIZER INC COM 717081103 4111519 80241 SH SOLE 0 0 80241 PHILIP MORRIS COM 718172109 1297929 12824 SH SOLE 0 0 12824 POLARIS INC COM 731068102 202000 2000 SH SOLE 0 0 2000 PROCTER & GAMBLE COM 742718109 3214414 21209 SH SOLE 0 0 21209 PRUDENTIAL FINANCIAL COM 744320102 994600 10000 SH SOLE 0 0 10000 QORVO INC COM 74736K101 339900 3750 SH SOLE 0 0 3750 QUALCOMM INC COM 747525103 823457 7490 SH SOLE 0 0 7490 QUEST DIAGNOSTICS COM 74834L100 382496 2445 SH SOLE 0 0 2445 RAYTHEON TECHNOLOGIES COM 75513E101 220308 2183 SH SOLE 0 0 2183 SANOFI SPONSORED ADR 80105N105 262152 5413 SH SOLE 0 0 5413 SCHWAB AGGREGATE US AGGREGATE B 808524839 2668040 58445 SH SOLE 0 0 58445 SCHWAB EMERGING EMRG MKTEQ ETF 808524706 939207 39679 SH SOLE 0 0 39679 SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 499355 10143 SH SOLE 0 0 10143 SCHWAB INTL INTL EQTY ETF 808524805 4823346 149747 SH SOLE 0 0 149747 SCHWAB US US BRD MKT ETF 808524102 7082636 158059 SH SOLE 0 0 158059 SCHWAB US US LRG CAP ETF 808524201 2077205 46007 SH SOLE 0 0 46007 SCHWAB US US LCAP VA ETF 808524409 986809 14947 SH SOLE 0 0 14947 SCHWAB US US MID-CAP ETF 808524508 1591028 24250 SH SOLE 0 0 24250 SCHWAB US US SML CAP ETF 808524607 1022970 25252 SH SOLE 0 0 25252 SCHWAB US US TIPS ETF 808524870 3334053 64376 SH SOLE 0 0 64376 SECTOR FINANCIAL SBI INT-FINL 81369Y605 564881 16517 SH SOLE 0 0 16517 SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 725975 5834 SH SOLE 0 0 5834 SHERWIN WILLIAMS COM 824348106 379728 1600 SH SOLE 0 0 1600 SHYFT GROUP COM 825698103 531539 21381 SH SOLE 0 0 21381 SMILEDIRECTCLUB INC CL A COM 83192H106 4265 12111 SH SOLE 0 0 12111 SMUCKER JM COM 832696405 227867 1438 SH SOLE 0 0 1438 SOUTHERN COMPANY COM 842587107 384186 5380 SH SOLE 0 0 5380 SPDR DOW UT SER 1 78467X109 734890 2218 SH SOLE 0 0 2218 SPDR GOLD GOLD SHS 78463V107 396958 2340 SH SOLE 0 0 2340 SPDR S&P TR UNIT 78462F103 4954249 12955 SH SOLE 0 0 12955 SPDR S&P UTSER1 S&PDCRP 78467Y107 977237 2207 SH SOLE 0 0 2207 SPDR SERIES S&P HOMEBUILD 78464A888 665330 11030 SH SOLE 0 0 11030 STARBUCKS CORP COM 855244109 419318 4227 SH SOLE 0 0 4227 STATE STREET COM 857477103 244423 3151 SH SOLE 0 0 3151 STEELCASE INC CL A 858155203 180504 25531 SH SOLE 0 0 25531 STRYKER CORP COM 863667101 15664066 64068 SH SOLE 0 0 64068 TESLA INC COM 88160R101 646079 5245 SH SOLE 0 0 5245 TEVA PHARMACEUTICAL SPONSORED ADS 881624209 191064 20950 SH SOLE 0 0 20950 TEXAS INSTRUMENTS COM 882508104 453362 2744 SH SOLE 0 0 2744 THERMO FISHER COM 883556102 201002 365 SH SOLE 0 0 365 TIZIANA LIFE COM G88912103 12389 20700 SH SOLE 0 0 20700 TYSON FOODS CL A 902494103 286910 4609 SH SOLE 0 0 4609 U S BANCORP DE COM 902973304 616363 14134 SH SOLE 0 0 14134 UBS GROUP SHS H42097107 328898 17616 SH SOLE 0 0 17616 UNITED PARCEL CL B 911312106 382787 2202 SH SOLE 0 0 2202 UNITEDHEALTH GROUP COM 91324P102 235930 445 SH SOLE 0 0 445 VANGUARD DIVIDEND DIV APP ETF 921908844 2303121 15167 SH SOLE 0 0 15167 VANGUARD ESG ESG INTL STK ETF 921910725 216622 4404 SH SOLE 0 0 4404 VANGUARD ESG ESG US STK ETF 921910733 219511 3333 SH SOLE 0 0 3333 VANGUARD EXTENDED EXTEND MKT ETF 922908652 631371 4753 SH SOLE 0 0 4753 VANGUARD FSTE FTSE EMR MKT ETF 922042858 10325425 264890 SH SOLE 0 0 264890 VANGUARD FTSE FTSE DEV MKT ETF 921943858 2391672 56986 SH SOLE 0 0 56986 VANGUARD FTSE FTSE SMCAP ETF 922042718 1223081 11896 SH SOLE 0 0 11896 VANGUARD GROWTH GROWTH ETF 922908736 2245228 10536 SH SOLE 0 0 10536 VANGUARD HEALTH HEALTH CAR ETF 92204A504 484690 1954 SH SOLE 0 0 1954 VANGUARD HIGH HIGH DIV YLD 921946406 11078358 102378 SH SOLE 0 0 102378 VANGUARD INFORMATION INF TECH ETF 92204A702 1169503 3661 SH SOLE 0 0 3661 VANGUARD INTERMEDIATE INTERMED TERM 921937819 282516 3801 SH SOLE 0 0 3801 VANGUARD INTERNATIONAL INTL HIGH ETF 921946794 939765 15776 SH SOLE 0 0 15776 VANGUARD LARGE LARGE CAP ETF 922908637 578271 3320 SH SOLE 0 0 3320 VANGUARD MEGA MEGA CAP INDEX 921910873 380120 2871 SH SOLE 0 0 2871 VANGUARD MID MCAP VL IDXVIP 922908512 236783 1751 SH SOLE 0 0 1751 VANGUARD MID MCAP GR IDXVIP 922908538 227090 1263 SH SOLE 0 0 1263 VANGUARD MID MID CAP ETF 922908629 2848988 13979 SH SOLE 0 0 13979 VANGUARD MORTGAGE MORTG-BACK SEC 92206C771 274357 6027 SH SOLE 0 0 6027 VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 277095 5599 SH SOLE 0 0 5599 VANGUARD REAL REAL ESTATE ETF 922908553 3937669 47741 SH SOLE 0 0 47741 VANGUARD RUSSELL VNG RUS2000VAL 92206C649 288717 2371 SH SOLE 0 0 2371 VANGUARD RUSSELL VNG RUS1000GRW 92206C680 584122 10597 SH SOLE 0 0 10597 VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1387552 20840 SH SOLE 0 0 20840 VANGUARD RUSSELL VNG RUS1000IDX 92206C730 943618 5415 SH SOLE 0 0 5415 VANGUARD S&P S&P 500 ETF SHS 922908363 35980173 102408 SH SOLE 0 0 102408 VANGUARD SHORT SHORT TRM BOND 921937827 815839 10837 SH SOLE 0 0 10837 VANGUARD SHORT STRM INFPROIDX 922020805 211783 4534 SH SOLE 0 0 4534 VANGUARD SHORT SHORT TERM TREAS 92206C102 2283933 39501 SH SOLE 0 0 39501 VANGUARD SHORT SHRT TRM CORP BD 92206C409 6305061 83855 SH SOLE 0 0 83855 VANGUARD SMALL SM CP VAL ETF 922908611 42338816 266617 SH SOLE 0 0 266617 VANGUARD SMALL SMALL CP ETF 922908751 986663 5376 SH SOLE 0 0 5376 VANGUARD TOTAL VG TL INTL STK F 921909768 24120456 466366 SH SOLE 0 0 466366 VANGUARD TOTAL TOTAL BND MRKT 921937835 9064911 126182 SH SOLE 0 0 126182 VANGUARD TOTAL INTL BD IDX ETF 92203J407 411747 8681 SH SOLE 0 0 8681 VANGUARD TOTAL TT WRLD ST ETF 922042742 34278545 397709 SH SOLE 0 0 397709 VANGUARD TOTAL TOTAL STK MKT 922908769 92090009 481667 SH SOLE 0 0 481667 VANGUARD VALUE VALUE ETF 922908744 8217321 58540 SH SOLE 0 0 58540 VIATRIS INC COM 92556V106 184372 16565 SH SOLE 0 0 16565 VISA INC COM CL A 92826C839 855541 4118 SH SOLE 0 0 4118 WALMART INC COM 931142103 394289 2781 SH SOLE 0 0 2781 WHIRLPOOL CORP COM 963320106 282920 2000 SH SOLE 0 0 2000 WORLD GOLD SPDR GLD MINIS 98149E303 4482023 123847 SH SOLE 0 0 123847 WORTHINGTON INDUSTRIES COM 981811102 248550 5000 SH SOLE 0 0 5000 ZOETIS INC CL A 98978V103 3531789 24100 SH SOLE 0 0 24100 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 18417587 735527 SH SOLE 0 0 735527 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2217459 43353 SH SOLE 0 0 43353 DIMENSIONAL EMERGING EMGR CRE EQT MNG 25434V302 1283792 58487 SH SOLE 0 0 58487 SPDR PORTFOLIO PORTFOLI S&P1500 78464A805 1002872 21207 SH SOLE 0 0 21207 VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1804244 36821 SH SOLE 0 0 36821 DIMENSIONAL US US SMALL CAP VAL 25434V815 1032859 41698 SH SOLE 0 0 41698 SPDR PORTFOLIO PORTFOLIO AGRGTE 78464A649 208780 8308 SH SOLE 0 0 8308