Charles Zhang - Michigan’s #1 Financial Advisor by both Barron’s* and Forbes**

Fee-Only Unbiased Investment Advice

• We uphold a Fiduciary Standard and work with clients on a fee-only basis.

• We do not receive commissions, kick-backs, or soft dollars from product sales, eliminating inherent conflicts of interest.

Credibility & Professionalism

• Our team of professionals holds designations and degrees such as CFP®, CFA, CPA, MBA, and PhD.

• Charles received his MBA from the Kellogg School of Management - Northwestern University, his MA in Economics from Western Michigan University, and Executive Education from Harvard Business School and Columbia University.

Charles Zhang

MBA, MSFS, ChFC

• Ranked #1 on Barron’s list of America’s TOP Independent Advisors and is the highest ranked NAPFA-Registered Fee-Only Advisor on the list.*

• Ranked #6 in the nation on Forbes’ list of TOP Wealth Advisors and is the ONLY Independent Advisor in the top 10.**

Minimum investment: $1,000,000 in Michigan/$2,000,000 outside of Michigan. Assets under custody of LPL Financial, TD Ameritrade, and Charles Schwab.

*As reported in Barron’s March 12, 2022 and September 17, 2021. Based on assets under management, revenue produced for the firm, regulatory record, quality of practices, and other factors. For fee-only status see NAPFA.org.

**As reported in Forbes April 7, 2022 and August 24, 2022. The Forbes rankings, developed by SHOOK Research, are based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. See zhangfinancial.com/disclosure for full ranking criteria.

4FRONT ANNOUNCES U.P. EXPANSION

Traverse City-based 4Front Credit Union has announced it will acquire the assets and assume the liabilities of Old Mission Bank, including its branches in Sault Ste. Marie and Pickford, Mich. The deal is expected to close in late 2023 at which time the Upper Peninsula branches will become “Old Mission, a Division of 4Front Credit Union.” 4Front will operate the branches and retain the employees, according to CEO Andy Kempf. The transaction will grow 4Front’s assets to nearly $1.2 billion and 20 branches.

tools and actively investing in well-being programs designed to improve the health of employers’ workforces.

New Tc Whiskey Hq Breaks Ground

Traverse City Whiskey Co. broke ground late last month on its new facility in Leelanau County’s Elmwood Township. The $20 million, 70,000-square-foot headquarters will house both manufacturing operations and a tasting room at the site of the former Cherry Growers Co-op facility at 9440 S. Center Highway. The project is made possible in part to a $750,000 Michigan Business Development Program grant.

Company president and co-founder Chris Fredrickson said the new facility will also be able to act as an incubator for small and/or young craft distilleries trying to find a foothold.

“One thing that we realized is that this wasn’t just an opportunity to support our own operation,” he said. “It could be an opportunity for us to help others grow their operations, too.”

Demolition of the old Cherry Growers facility will happen over the next few months followed by construction, with a target of having the facility up and running in early 2024.

GRAND TRAVERSE CO. ‘HEALTHY WORKPLACE’

Grand Traverse County is a recipient of the Michigan Department of Health and Human Services (MDHHS) Michigan Healthy Worksite Award. The award recognizes employers who are utilizing the Designing Healthy Environments at Work

RAIL-BIKING COMING TO TC

Wheels on Rails LLC, the first rail-biking business in the state, is coming to the Grand Traverse area. The business gives people the opportunity to ride out-ofservice railroad tracks on specially made bikes: a tandem for two people and a quad for four. The business, located off of US-31 in Grawn, will offer six-mile guided tours Thursday-Monday for the 2023 season. The business is owned and operated by Macie Hefron. Visit wheelsonrailsmi. com, Facebook or Instagram.

Mobile Bar Service Hits The Road

Roaming NoMI - a mobile bar and bartending service - is now available for events around northern Michigan. The bartenders are co-owners Matt and Maria Drost and Adam and Danielle Oster. “We knew other big cities in the country were supporting mobile bars, and we loved the concept, but we wanted our bar to be special,” said Matt Drost. “We wanted it to make a statement, be beautiful, and elevate any event.” For more information, find Roaming NoMi on Facebook or visit Roamingnomi.com.