0001776290-22-000003.txt : 20220714 0001776290-22-000003.hdr.sgml : 20220714 20220714102813 ACCESSION NUMBER: 0001776290-22-000003 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20220630 FILED AS OF DATE: 20220714 DATE AS OF CHANGE: 20220714 EFFECTIVENESS DATE: 20220714 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: 221082411 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 06-30-2022 06-30-2022 Zhang Financial LLC

5931 OAKLAND DR. PORTAGE MI 49024

13F HOLDINGS REPORT 028-19517 N Lynn L. Chen-Zhang 269.385.5888 Lynn L. Chen-Zhang Portage MI 07-13-2022 0 215 623155 false INFORMATION TABLE 2 13FXML2022Q2.xml 13FXML2022Q2 3M COMPANY COM 88579Y101 341 2632 SH SOLE 0 0 2632 ABBVIE INC COM 00287Y109 1211 7907 SH SOLE 0 0 7907 ADOBE INC COM 00724F101 317 866 SH SOLE 0 0 866 ALLSTATE CORP COM 020002101 204 1613 SH SOLE 0 0 1613 ALPHABET INC CAP STK CL C 02079K107 807 369 SH SOLE 0 0 369 ALPHABET INC CAP STK CL A 02079K305 2974 1365 SH SOLE 0 0 1365 ALTRIA GROUP COM 02209S103 813 19466 SH SOLE 0 0 19466 AMAZON COM COM 023135106 4555 42887 SH SOLE 0 0 42887 AMERICAN EXPRESS COM 025816109 309 2226 SH SOLE 0 0 2226 AMERN AXLE & MFG HLDGS COM 024061103 83 10974 SH SOLE 0 0 10974 AMGEN INC COM 031162100 2888 11868 SH SOLE 0 0 11868 ANNALY CAPITAL COM 035710409 116 19632 SH SOLE 0 0 19632 APOGEE ENTERPRISES COM 037598109 353 9000 SH SOLE 0 0 9000 APOLLO GLOBAL COM 03769M106 606 12504 SH SOLE 0 0 12504 APPLE INC COM 037833100 26021 190323 SH SOLE 0 0 190323 APPLIED INDUSTRIAL TECH COM 03820C105 3385 35197 SH SOLE 0 0 35197 ARK INNOVATION INNOVATION ETF 00214Q104 1099 27553 SH SOLE 0 0 27553 AT&T INC COM 00206R102 328 15640 SH SOLE 0 0 15640 BALCHEM CORP COM 057665200 649 5000 SH SOLE 0 0 5000 BANK AMERICA COM 060505104 204 6566 SH SOLE 0 0 6566 BERKSHIRE HATHAWAY CL A 084670108 818 2 SH SOLE 0 0 2 BERKSHIRE HATHAWAY CL B NEW 084670702 6859 25125 SH SOLE 0 0 25125 BLACKROCK INC COM 09247X101 450 739 SH SOLE 0 0 739 BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2004 40055 SH SOLE 0 0 40055 BLACKSTONE INC COM 09260D107 1053 11536 SH SOLE 0 0 11536 BNY MELLON US LRG CP CORE 09661T107 21963 314246 SH SOLE 0 0 314246 BNY MELLON US MDCP CORE EQT 09661T206 1171 15561 SH SOLE 0 0 15561 BNY MELLON INTERNATIONL EQT 09661T404 3468 57317 SH SOLE 0 0 57317 BNY MELLON EMRG MKT EQUIT 09661T503 879 15495 SH SOLE 0 0 15495 BNY MELLON CORE BOND ETF 09661T602 7962 182280 SH SOLE 0 0 182280 BRISTOL MYERS COM 110122108 647 8396 SH SOLE 0 0 8396 BROADCOM INC COM 11135F101 634 1305 SH SOLE 0 0 1305 CARLYLE GROUP COM 14316J108 531 16787 SH SOLE 0 0 16787 CATERPILLAR INC COM 149123101 582 3254 SH SOLE 0 0 3254 CHEVRON CORP COM 166764100 477 3292 SH SOLE 0 0 3292 CISCO SYSTEMS COM 17275R102 771 18070 SH SOLE 0 0 18070 CMS ENERGY COM 125896100 1487 22024 SH SOLE 0 0 22024 COCA COLA COMPANY COM 191216100 578 9183 SH SOLE 0 0 9183 COMCAST CORP CL A 20030N101 332 8459 SH SOLE 0 0 8459 COMERICA INC COM 200340107 398 5430 SH SOLE 0 0 5430 CORTEVA INC COM 22052L104 798 14734 SH SOLE 0 0 14734 COSTCO WHOLESALE COM 22160K105 472 984 SH SOLE 0 0 984 CVS HEALTH COM 126650100 607 6554 SH SOLE 0 0 6554 DANAHER CORP COM 235851102 415 1635 SH SOLE 0 0 1635 DIMENSIONAL INTL INTERNATNAL VAL 25434V807 559 19346 SH SOLE 0 0 19346 DIMENSIONAL US US TARGETED VLU 25434V609 1095 27235 SH SOLE 0 0 27235 DIMENSIONAL US US CORE EQUITY 2 25434V708 10640 456631 SH SOLE 0 0 456631 DIMENSIONAL US US CORE EQT MKT 25434V104 5820 220205 SH SOLE 0 0 220205 DIMENSIONAL US US MKTWIDE VALUE 25434V724 814 25765 SH SOLE 0 0 25765 DIMENSIONAL WORLD WORLD EX US CORE 25434V880 1179 54971 SH SOLE 0 0 54971 DOLLAR GENL COM 256677105 1253 5106 SH SOLE 0 0 5106 DOW INC COM 260557103 1407 27261 SH SOLE 0 0 27261 DUPONT DE COM 26614N102 391 7027 SH SOLE 0 0 7027 EATON CORP SHS G29183103 593 4705 SH SOLE 0 0 4705 ELEVANCE HEALTH COM 036752103 250 518 SH SOLE 0 0 518 ELI LILLY COM 532457108 419 1293 SH SOLE 0 0 1293 EXXON MOBIL COM 30231G102 881 10285 SH SOLE 0 0 10285 FIRST MERCHANTS COM 320817109 472 13258 SH SOLE 0 0 13258 FIRST SOLAR COM 336433107 341 5000 SH SOLE 0 0 5000 FORD MOTOR COM 345370860 347 31160 SH SOLE 0 0 31160 FORTINET INC COM 34959E109 416 7365 SH SOLE 0 0 7365 GENERAL MILLS COM 370334104 438 5809 SH SOLE 0 0 5809 GILEAD SCIENCES COM 375558103 339 5486 SH SOLE 0 0 5486 GLOBAL X LITHIUM BTRY ETF 37954Y855 217 2990 SH SOLE 0 0 2990 GSX TECHEDU SPONSORED ADS 36257Y109 47 24129 SH SOLE 0 0 24129 HERSHEY COMPANY COM 427866108 346 1610 SH SOLE 0 0 1610 HOME DEPOT COM 437076102 1085 3956 SH SOLE 0 0 3956 HONEYWELL INTL COM 438516106 2431 13986 SH SOLE 0 0 13986 INTEL CORP COM 458140100 525 14030 SH SOLE 0 0 14030 INTL BUSINESS COM 459200101 2340 16571 SH SOLE 0 0 16571 INVESCO EXCHANGE S&P500 LOW VOL 46138E354 262 4227 SH SOLE 0 0 4227 INVESCO QQQ UNIT SER 1 46090E103 2113 7540 SH SOLE 0 0 7540 INVESCO S&P S&P500 EQL TEC 46137V282 252 1068 SH SOLE 0 0 1068 INVESCO S&P S&P500 EQL WGT 46137V357 233 1734 SH SOLE 0 0 1734 ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2529 30552 SH SOLE 0 0 30552 ISHARES CORE CORE S&P TTL STK 464287150 45427 542213 SH SOLE 0 0 542213 ISHARES CORE CORE S&P500 ETF 464287200 2584 6816 SH SOLE 0 0 6816 ISHARES CORE CORE US AGGBD ET 464287226 1635 16077 SH SOLE 0 0 16077 ISHARES CORE CORE S&P MCP ETF 464287507 1001 4423 SH SOLE 0 0 4423 ISHARES CORE CORE S&P SCP ETF 464287804 1370 14826 SH SOLE 0 0 14826 ISHARES CORE CORE MSCI TOTAL 46432F834 883 15484 SH SOLE 0 0 15484 ISHARES ESG ESG AWR US AGRGT 46435U549 258 5278 SH SOLE 0 0 5278 ISHARES GOLD ISHARES NEW 464285204 29674 864893 SH SOLE 0 0 864893 ISHARES MSCI MSCI EAFE ETF 464287465 987 15796 SH SOLE 0 0 15796 ISHARES MSCI EAFE VALUE ETF 464288877 3838 88441 SH SOLE 0 0 88441 ISHARES NATIONAL NATIONAL MUN 464288414 5904 55513 SH SOLE 0 0 55513 ISHARES RUSS RUS MDCP VAL ETF 464287473 395 3885 SH SOLE 0 0 3885 ISHARES RUSSELL RUS MID CAP ETF 464287499 318 4910 SH SOLE 0 0 4910 ISHARES RUSSELL RUS 1000 GRW ETF 464287614 583 2664 SH SOLE 0 0 2664 ISHARES RUSSELL RUS 1000 ETF 464287622 1124 5408 SH SOLE 0 0 5408 ISHARES RUSSELL RUS 2000 VAL ETF 464287630 18542 136186 SH SOLE 0 0 136186 ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2198 10109 SH SOLE 0 0 10109 ISHARES S&P S&P 500 GRWT ETF 464287309 255 4222 SH SOLE 0 0 4222 ISHARES S&P S&P 500 VAL ETF 464287408 350 2543 SH SOLE 0 0 2543 ISHARES S&P S&P MC 400VL ETF 464287705 263 2790 SH SOLE 0 0 2790 ISHARES S&P SP SMCP600VL ETF 464287879 1194 13415 SH SOLE 0 0 13415 ISHARES SELECT SELECT DIVID ETF 464287168 2266 19254 SH SOLE 0 0 19254 ISHARES SHORT SHRT NAT MUN ETF 464288158 2241 21402 SH SOLE 0 0 21402 ISHARES SILVER ISHARES 46428Q109 269 14448 SH SOLE 0 0 14448 ISHARES TIPS TIPS BD ETF 464287176 9747 85569 SH SOLE 0 0 85569 ISHARES U S US HOME CONS ETF 464288752 811 15450 SH SOLE 0 0 15450 JOHNSON & JOHNSON COM 478160104 4759 26807 SH SOLE 0 0 26807 JPMORGAN CHASE COM 46625H100 539 4786 SH SOLE 0 0 4786 KELLOGG CO COM 487836108 948 13295 SH SOLE 0 0 13295 KIMBERLY CLARK COM 494368103 510 3775 SH SOLE 0 0 3775 KKR & CO COM 48251W104 490 10586 SH SOLE 0 0 10586 KLA CORP COM NEW 482480100 662 2075 SH SOLE 0 0 2075 LCI INDS COM 50189K103 1325 11844 SH SOLE 0 0 11844 LINCOLN NATL CORP IN COM 534187109 242 5175 SH SOLE 0 0 5175 LINDE PLC COM G5494J103 739 2569 SH SOLE 0 0 2569 LOWES COMPANIES COM 548661107 1197 6852 SH SOLE 0 0 6852 MASTERCARD INC CL A 57636Q104 216 686 SH SOLE 0 0 686 MCDONALDS CORP COM 580135101 649 2632 SH SOLE 0 0 2632 MCKESSON CORP COM 58155Q103 1635 5012 SH SOLE 0 0 5012 MERCK & COMPANY COM 58933Y105 1369 15012 SH SOLE 0 0 15012 META PLATFORMS CL A 30303M102 263 1634 SH SOLE 0 0 1634 METLIFE INC COM 59156R108 338 5378 SH SOLE 0 0 5378 MICRON TECHNOLOGY INC COM 595112103 1132 20484 SH SOLE 0 0 20484 MICROSOFT CORP COM 594918104 13985 54454 SH SOLE 0 0 54454 MONDELEZ INTERNATIONAL CL A 609207105 1290 20782 SH SOLE 0 0 20782 NORFOLK SOUTHERN COM 655844108 208 917 SH SOLE 0 0 917 NUCOR CORP COM 670346105 535 5125 SH SOLE 0 0 5125 NVIDIA CORP COM 67066G104 680 4488 SH SOLE 0 0 4488 ORACLE CORP COM 68389X105 226 3231 SH SOLE 0 0 3231 PAYCHEX INC COM 704326107 284 2498 SH SOLE 0 0 2498 PEPSICO INC COM 713448108 2781 16685 SH SOLE 0 0 16685 PFIZER INC COM 717081103 3781 72116 SH SOLE 0 0 72116 PHILIP MORRIS COM 718172109 1344 13615 SH SOLE 0 0 13615 POLARIS INC COM 731068102 231 2328 SH SOLE 0 0 2328 PROCTER & GAMBLE COM 742718109 2970 20655 SH SOLE 0 0 20655 PRUDENTIAL FINANCIAL COM 744320102 958 10010 SH SOLE 0 0 10010 QORVO INC COM NEW 74736K101 354 3750 SH SOLE 0 0 3750 QUALCOMM INC COM 747525103 888 6951 SH SOLE 0 0 6951 QUEST DIAGNOSTICS COM 74834L100 326 2448 SH SOLE 0 0 2448 RAYTHEON TECHNOLOGIES COM 75513E101 220 2291 SH SOLE 0 0 2291 SANOFI SPONSORED ADR 80105N105 281 5610 SH SOLE 0 0 5610 SCHWAB AGGREGATE US AGGREGATE B 808524839 3306 69068 SH SOLE 0 0 69068 SCHWAB EMERGING EMRG MKTEQ ETF 808524706 560 22053 SH SOLE 0 0 22053 SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 512 9914 SH SOLE 0 0 9914 SCHWAB INTL INTL EQTY ETF 808524805 2312 73499 SH SOLE 0 0 73499 SCHWAB STRATEGIC 1000 INDEX ETF 808524722 726 19910 SH SOLE 0 0 19910 SCHWAB US US BRD MKT ETF 808524102 6395 144697 SH SOLE 0 0 144697 SCHWAB US US LRG CAP ETF 808524201 1226 27456 SH SOLE 0 0 27456 SCHWAB US US LCAP VA ETF 808524409 706 11303 SH SOLE 0 0 11303 SCHWAB US US MID-CAP ETF 808524508 542 8645 SH SOLE 0 0 8645 SCHWAB US US SML CAP ETF 808524607 886 22742 SH SOLE 0 0 22742 SCHWAB US US TIPS ETF 808524870 4468 80064 SH SOLE 0 0 80064 SECTOR FINANCIAL SBI INT-FINL 81369Y605 416 13233 SH SOLE 0 0 13233 SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 767 6033 SH SOLE 0 0 6033 SHYFT GROUP COM 825698103 397 21381 SH SOLE 0 0 21381 SMILEDIRECTCLUB INC CL A COM 83192H106 16 14933 SH SOLE 0 0 14933 SOUTHERN COMPANY COM 842587107 294 4123 SH SOLE 0 0 4123 SPDR DOW UT SER 1 78467X109 375 1218 SH SOLE 0 0 1218 SPDR GOLD GOLD SHS 78463V107 515 3057 SH SOLE 0 0 3057 SPDR S&P TR UNIT 78462F103 4559 12084 SH SOLE 0 0 12084 SPDR S&P UTSER1 S&PDCRP 78467Y107 871 2106 SH SOLE 0 0 2106 SPDR SERIES S&P HOMEBUILD 78464A888 603 11030 SH SOLE 0 0 11030 STARBUCKS CORP COM 855244109 317 4154 SH SOLE 0 0 4154 STEELCASE INC CL A 858155203 295 27531 SH SOLE 0 0 27531 STRYKER CORP COM 863667101 12796 64323 SH SOLE 0 0 64323 TARGET CORP COM 87612E106 359 2543 SH SOLE 0 0 2543 TESLA INC COM 88160R101 754 1119 SH SOLE 0 0 1119 TEVA PHARMACEUTICAL SPONSORED ADS 881624209 158 21000 SH SOLE 0 0 21000 TEXAS INSTRUMENTS COM 882508104 317 2064 SH SOLE 0 0 2064 THERMO FISHER COM 883556102 208 383 SH SOLE 0 0 383 TIZIANA LIFE COM G88912103 14 19200 SH SOLE 0 0 19200 TYSON FOODS CL A 902494103 403 4684 SH SOLE 0 0 4684 U S BANCORP DE COM NEW 902973304 708 15380 SH SOLE 0 0 15380 UNITED PARCEL CL B 911312106 374 2047 SH SOLE 0 0 2047 VANGUARD DIVIDEND DIV APP ETF 921908844 1951 13605 SH SOLE 0 0 13605 VANGUARD ESG ESG US STK ETF 921910733 218 3287 SH SOLE 0 0 3287 VANGUARD EXTENDED EXTEND MKT ETF 922908652 419 3192 SH SOLE 0 0 3192 VANGUARD FSTE FTSE EMR MKT ETF 922042858 8891 213458 SH SOLE 0 0 213458 VANGUARD FTSE FTSE DEV MKT ETF 921943858 2118 51898 SH SOLE 0 0 51898 VANGUARD FTSE FTSE SMCAP ETF 922042718 953 9234 SH SOLE 0 0 9234 VANGUARD GROWTH GROWTH ETF 922908736 573 2569 SH SOLE 0 0 2569 VANGUARD HEALTH HEALTH CAR ETF 92204A504 494 2097 SH SOLE 0 0 2097 VANGUARD HIGH HIGH DIV YLD 921946406 4185 41147 SH SOLE 0 0 41147 VANGUARD INFORMATION INF TECH ETF 92204A702 1287 3942 SH SOLE 0 0 3942 VANGUARD INTERMEDIATE INTERMED TERM 921937819 218 2806 SH SOLE 0 0 2806 VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 513 6406 SH SOLE 0 0 6406 VANGUARD LARGE LARGE CAP ETF 922908637 664 3855 SH SOLE 0 0 3855 VANGUARD MID MCAP VL IDXVIP 922908512 356 2748 SH SOLE 0 0 2748 VANGUARD MID MID CAP ETF 922908629 1300 6598 SH SOLE 0 0 6598 VANGUARD MORTGAGE MORTG-BACK SEC 92206C771 508 10630 SH SOLE 0 0 10630 VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2409 48263 SH SOLE 0 0 48263 VANGUARD REAL REAL ESTATE ETF 922908553 3543 38880 SH SOLE 0 0 38880 VANGUARD RUSSELL VNG RUS2000VAL 92206C649 463 3882 SH SOLE 0 0 3882 VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1319 20762 SH SOLE 0 0 20762 VANGUARD RUSSELL VNG RUS1000IDX 92206C730 354 2062 SH SOLE 0 0 2062 VANGUARD S&P S&P 500 ETF SHS 922908363 19838 57190 SH SOLE 0 0 57190 VANGUARD SHORT SHORT TRM BOND 921937827 885 11529 SH SOLE 0 0 11529 VANGUARD SHORT STRM INFPROIDX 922020805 433 8645 SH SOLE 0 0 8645 VANGUARD SHORT SHORT TERM TREAS 92206C102 891 15141 SH SOLE 0 0 15141 VANGUARD SHORT SHRT TRM CORP BD 92206C409 4862 63764 SH SOLE 0 0 63764 VANGUARD SMALL SM CP VAL ETF 922908611 38563 257395 SH SOLE 0 0 257395 VANGUARD SMALL SMALL CP ETF 922908751 833 4732 SH SOLE 0 0 4732 VANGUARD TOTAL VG TL INTL STK F 921909768 17321 335613 SH SOLE 0 0 335613 VANGUARD TOTAL TOTAL BND MRKT 921937835 8098 107600 SH SOLE 0 0 107600 VANGUARD TOTAL INTL BD IDX ETF 92203J407 456 9205 SH SOLE 0 0 9205 VANGUARD TOTAL TT WRLD ST ETF 922042742 27851 326346 SH SOLE 0 0 326346 VANGUARD TOTAL TOTAL STK MKT 922908769 81855 433967 SH SOLE 0 0 433967 VANGUARD VALUE VALUE ETF 922908744 4530 34356 SH SOLE 0 0 34356 VIATRIS INC COM 92556V106 170 16191 SH SOLE 0 0 16191 VISA INC COM CL A 92826C839 788 4002 SH SOLE 0 0 4002 WALMART INC COM 931142103 319 2624 SH SOLE 0 0 2624 WALT DISNEY COM DISNEY 254687106 417 4415 SH SOLE 0 0 4415 WEYERHAEUSER CO COM NEW 962166104 215 6490 SH SOLE 0 0 6490 WHIRLPOOL CORP COM 963320106 311 2009 SH SOLE 0 0 2009 WORLD GOLD SPDR GLD MINIS 98149E303 4365 121667 SH SOLE 0 0 121667 WORTHINGTON INDUSTRIES COM 981811102 221 5000 SH SOLE 0 0 5000 ZOETIS INC CL A 98978V103 4179 24309 SH SOLE 0 0 24309 DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 323 13382 SH SOLE 0 0 13382 DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 215 4471 SH SOLE 0 0 4471 VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 200 2855 SH SOLE 0 0 2855