# Lynn Chen-Zhang

> Lynn Chen-Zhang is a fee-only financial advisor at Zhang Financial in Bloomfield Hills, Michigan, who holds the CFP, CPA and MBA credentials. Lynn focuses on retirement planning, estate & legacy planning and tax planning. Zhang Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/lynn-chen-zhang/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Zhang Financial
- **Based in:** Bloomfield Hills, Michigan
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Fees (firm's website):** a $1,000,000 asset minimum
- **Assets under management (firm):** $8.37B across 7,855 accounts
- **Credentials:** CFP, CPA, MBA, MS, ChFC, CLU, MSFS, CFA, JD
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning, Equity compensation
- **CRD:** 3125565 (https://adviserinfo.sec.gov/individual/summary/3125565)
- **SEC registration:** Investment adviser representative in MI, TX
- **Exams passed:** Series 63 (1999)
- **Firm size:** 50 employees
- **Disclosures:** None reported
- **Website:** http://zhangfinancial.com

## Frequently asked questions

### Is Lynn Chen-Zhang a fee-only financial advisor?

Yes. Lynn Chen-Zhang is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Lynn's firm.

### How does Lynn charge for financial advice?

Lynn's firm, Zhang Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### How much does Lynn charge?

According to Zhang Financial's website, checked October 28, 2026: a $1,000,000 asset minimum.

### Where is Lynn Chen-Zhang based?

Lynn Chen-Zhang is based in Bloomfield Hills, Michigan.

### What does Lynn specialize in?

Lynn's specialties include retirement planning, estate & legacy planning, tax planning and equity compensation.

### What credentials does Lynn Chen-Zhang hold?

Lynn Chen-Zhang holds the CFP, CPA, MBA, MS, ChFC, CLU, MSFS, CFA and JD credentials.

### Is Lynn Chen-Zhang registered with the SEC?

Yes. Lynn Chen-Zhang is registered as an investment adviser representative in MI and TX (CRD 3125565), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Zhang Financial manage?

Zhang Financial reports $8.37B across 7,855 accounts in assets under management.

### How do I contact Lynn Chen-Zhang?

Through Lynn's website, zhangfinancial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/7288): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.zhangfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.