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 Charles Zhang, one of the top financial advisors for 2005: |
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ceo/cfo
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头衔: 海归中将
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加入时间: 2004/11/05
文章: 12941
海归分: 491633
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作者：ceo/cfo 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
ZT
Ameriprise Financial Services
Rank: 46, Assets: $800 million
Charles Zhang's 11-year-old son, Mitchell, already has his eye on taking over his father's financial advisory business, a team within Ameriprise Financial Services. "He says it offers freedom and the opportunity to make a lot of money," says Zhang, who has worked for Ameriprise in Portage, Mich., since 1991.
The Shanghai-born Zhang laughs wryly at the idea of the job being an easy one: He struggled for years, one cold call at a time, to build up his current practice, beginning with a pitch to his college economics professor. "I had no natural client base I could draw on," he recalls. "People didn't know who I was.''
Fifteen years later, he and his wife, a CPA and tax specialist, lead a team of 10 people and manage some $800 million in assets for more than 600 clients. The majority of these are retired executives or professionals, with senior executives, physicians and college professors in their 40s and 50s making up most of the rest.
Zhang keeps a keen eye on everything from clients' asset allocation to mutual fund expense ratios. He won't put assets into a fund with annual management fees of more than 1%, and often gravitates to exchange-traded funds and other vehicles that offer low-cost ways to obtain exposure to specific markets.
For international diversification, he favors Barclays Global Investors iShares. He sees the ETF as a way of giving clients exposure to specific markets, such as Japan, while achieving diversification and maintaining a greater degree of liquidity.
Right now, Zhang is positioning his clients for a long-awaited and much-predicted rebound in U.S. large-cap growth stocks. "Valuation-wise, it is looking very attractive," Zhang says. While he says he is eager to identify undervalued market sectors like this, he hastens to add that clients shouldn't expect him to do their market-timing. "I help them deal with risk and invest for the long-term."
The author of a 2003 book titled Make Yourself a Millionaire, Zhang hopes that his clients and potential clients will avoid traps like market-timing and chasing recent winners. Says he: "Long-term success comes from maintaining diversification and discipline.'' That's never been more true than now.
作者：ceo/cfo 在 海归商务 发贴, 来自【海归网】 http://www.haiguinet.com
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 Charles Zhang, one of the top financial advisors for 2005: -- ceo/cfo - (2357 Byte) 2006-4-22 周六, 21:32 (901 reads)
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