ABOUT THE AUTHOR
Charles C. Zhang, CFP™, ChFC, CLU, CMFC, CFS, is a Senior Financial Advisor-Advanced Advisor Group with American Ex- press Financial Advisors, one of the nation’s leading financial plan- ning companies. He has won many awards in the company and in the industry. He has been acknowledged as one of the premier financial planners in the country by Worth, Ticker and Financial Planning magazines. In 2001, he received the President’s Recognition Award from American Express Financial Advisors for demonstrating the provision of high-quality advice to the clients.
Charles holds some of the most prestigious designations and degrees in the industry. He has earned these designations: CERTIFIED FINANCIAL PLANNER™, Chartered Financial Consultant, Chartered Life Underwriter, Chartered Mutual Fund Consultant and Certified Fund Specialist, and also holds master degrees in economics and finance. Charles is an adjunct professor of finance at Western Michigan University.
Lynn L. Chen-Zhang, CFP™, CPA is a financial advisor with American Express Financial Advisors. Prior to joining American Express Financial Advisors, she was a Certified Public Accountant (CPA) with one of the “big five” CPA firms. Lynn has a master’s degree in accountancy. She specializes in income tax planning and employee stock option planning.