Cvetkovski Financial LLC - Shelby Township (MI)

Paolo Ranoso This was my first time buying a home/getting a mortgage. While I thought it would be a daunting process, Gigi Olegario helped me out through each phase and made everything very easy and understandable for me. She was always available and quick to respond. She also helped me lock in a great interest rate! I know this because I double-checked with other companies to be sure, and this was the real deal. She has a warm and caring personality and made the whole mortgage process an enjoyable experience.

Alice Millstead DFCU has been so great to work with My Husband started there when he was a over the road truck driver so his checks could be put right in the account. I have been with them over 30 years now. Everyone is always helpful.

Alex Senko You’ll never get a hold of a customer service rep, it’s all automated. There’s not even an option for you to request to speak to a real person. They don’t send out any of those payment booklets that every other financial institution does. God forbid you need to skip a payment, you’ll never reach anyone to get the approval on that. Accidentally paid twice for one month and need the money back? Sorry, you’re just gonna have to deal with it bc you can’t reach anyone. Worst loan company ever, I wanted to rate 0 stars, but obvi that’s not possible. Based off the other reviews, they don’t care to remedy any of these issues either.

Yolanda Ludington Ive been a client of Zhang Financial for 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 Im 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. Thats 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. Ive 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. Barrons and other reputable sources have made no mistake in putting Zhang Financial at the top of their list!