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4 months ago

This company is a scam. Interest rates is ridiculous. They don't work with you at all. Please avoid this company at all cost!

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1 year ago

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4 years ago

Avoid this company at all costs. They wouldn't work with us at all during the pandemic and their interest rates are insane.

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Financial Services of America

Financial Services of America

(2 reviews)

I have been working with Financial Services of America for the past year and a half. My Financial…read moreAdvisor has helped me by explaining the advantages of the different investment options based on my personal investment needs. They have reviewed all of the financial documents I currently have and help me make appropriate changes to meet current legal requirements.

FSA preyed upon a 75-year-old family member and her husband, and sold them 15-18 year annuities…read more No finanical advisor worth his or her reputation would ever recommend a strategy like this. The majority of their portfolio was liquidated to buy the annuities, creating a huge tax burden as a result, and only an out of court settlement with FSA helped offset the tax implications. On the surface, FSA appears to be a great company. You cannot find FINRA violations because all of their employees are independent contractors, and any other negatives on the company are buried 30 pages deep on Google---a task easily done. Both of the 'contractors' involved in the family member's case either left the company or transferred to another firm/location and the FINRA violations magically diappeared. If you have any dealings with this firm, please check their recommendations with at least 1-2 other firms of your choosing before seeking to invest. Of note, most true financial advisors are 'fiduciaries', which means they act in the clients best interests at all times. That is not the case with FSA, and that is when I realized that something was grossly wrong.

Zhang Financial

Zhang Financial

(2 reviews)

So wonderful that my financial firm is now close to home! I've been a client of Zhang Financial…read morefor many years. I have received better than benchmark returns with the lowest fee structure while staying in line with my overall financial needs. Long before I ever knew Charles and Lynn Zhang, I had dealt with financial firms and banks in the metro Detroit area to handle my irrevocable trust and revocable trust. None have ever provided the level of all-round exceptional service that I'm receiving with Zhang Financial. My portfolio is routinely reviewed and refreshed. Any life changes, tax issues or legal trust issues that concern me are addressed. They house a talented team that proficiently handles all my account requirements. My needs are always the first priority. Zhang is a Fee-Only firm, meaning that the only fees taken are a percentage of your assets. That's what you should look for in a financial firm. Fee-Only firms are not the same as Fee-Based firms. Fee-Based firms can take a percentage of your money and are also allowed to get kickbacks from funds they put you in. A major conflict of interest. I've always been a stickler on fees, whether upfront fees or internal fund fees. Zhang provided me the lowest fees in both areas while best addressing my financial goals. One of the things that first impressed me when speaking to Charles was his ability to meticulously choose funds that run the lowest internal fees with the highest performance on returns. Throughout the years they have earned my respect and admiration. I have complete trust in them. Zhang Financial is the epitome of what a financial firm should be. Barron's and other reputable sources have made no mistake in putting Zhang Financial at the top of their list!

I have used several financial advisors since the late seventies. I was not satisfied with their…read moreservice, results, and fees until I became a client of Zhang Financial. Their service and results are excellent, an added bonus is their Fee-Only approach. Having a fee-only financial advisor is the best way to ensure your financial advisor is working with your best interests and that the fees collected will be transparent and straight forward. Previous advisors were more concerned with churning my accounts rather than working for my benefit. I was so impressed with the products, people, and performance for my personal accounts that I had them manage my company's 401k as well. Zhang Financial is very honest and cost efficient. I am beyond pleased with their service. I have recommended Zhang Financial to family, friends, and clients.

Hunter Financial - financialadvising - Updated May 2026

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