Michael Zhuang

Personal Finance, Retirement, Investing
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“Michael Zhuang, Principal of MZ Capital Management, is dedicated to helping physicians, entrepreneurs, and divorced women build wealth and live well.”
Firm:

MZ Capital Management

Job Title:

Principal

Biography:

Michael Zhuang is founder and principal of MZ Capital, a fee-only registered investment advisor firm located in the Greater Washington D.C. metropolitan area.

Michael earned dual Master Degrees in Mathematics and Quantitative Finance from Carnegie Mellon University. He was also a PhD candidate for Financial Economics. After completing all training and exams, he decided his true calling is not in academia. The PhD training taught him how to think rigorously and research thoroughly.

From 1999 to 2000, Michael worked as a financial engineer for Societe Generale, the biggest French banking group.

From 2000 to 2003, Michael was hired by PG&E National Energy Group to launch their weather derivatives trading business. Within 2 years, he became one of the top 3 traders in the field. Nevertheless, he saw first hand the crooked ways of the financial industry where everything goes to make a buck. That experience motivated him to launch MZ Capital.

Michael's investment approach is based on the Nobel Prize winning research of Eugene Fama. He is also deeply influenced by three people: Warren Buffet on value-orientation and patience, David Swensen on multi-asset-class investing and decision framework, and John Bogle on minimization of costs for clients and stewardship of clients' money.

Michael is active in the community. He twice sponsored Melodic Impact, a musical fundraiser for kids with cancer. He volunteered as an instructor for Toastmasters International's Youth Leadership Program. He was on the board of Special Love, Inc., a non-profit devoted to kids suffering from cancer. Recently, he also completed Leadership Montgomery.

Michael is married with two children. His favorite past time is stand-up comedy and storytelling. He was nominated as Top Ten Storytellers in Virginia. He has also won multiple Story League contests in DC and Best Storyteller in Philadelphia's Story Slam. He performed clean comedy regularly in corporate, charity and association events.

Education:

MS, Finance and Economics, Carnegie Mellon University

CRD Number:

3231950

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  • MZ Capital Management Story and Value
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November 2017
June 2017
    Personal Finance
April 2017
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March 2017
February 2017

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    Pensions, Retirement Savings
Should I cash out my pension or roll it over to a 457(b)?
67% of people found this answer helpful

Since you are only 44 years, if you cash it out now, you will pay taxes and a 10% penalty. I am sure there are better ways to payoff your car and go on a vacation. Maybe you can get your husband to moonlight for Uber. Just FYI, if you cash out when you are 59.5, you will still pay taxes, but at least there is no penalty.

Also you may want to rollover to an IRA that you have full control over. Rolling over to your current 457(b) could be an option as well if the plan has good investment options. Don't leave it with your old employer for simplicity and safety's sake. I have a client whose old employer went bust, and his 401(k) money was frozen for 2 years as the court sought out the wreckage. You don't need that.

October 2016
    Debt, Financial Planning, Investing
What should we prioritize financially with a surplus of money?
67% of people found this answer helpful
March 2017
    Financial Planning, 401(k), IRAs
Should I rollover my 403(b) into an IRA or 401(k)?
67% of people found this answer helpful
May 2017
    Career / Compensation, Financial Planning, Asset Allocation
How can a nontraditional college student gain more income to provide for a brighter future?
63% of people found this answer helpful
April 2017
    Stocks
Are there funds that have performed better than those that follow the total stock market?
63% of people found this answer helpful
July 2017