Our Team

CEO

Among all of her talents and charms, Justine is most famous for her ability to know "all" things and her approachable style. As a one-of-a-kind CPA who also excels in real estate investment, retirement planning and insurance, Justine was once given the nickname of "The Renaissance Woman", meaning " a woman who can do all things if she will." In spite of her seniority, Justine is a very approachable professional who genuinely cares about each individual and business' needs and finding them solutions that best fit their unique situation. It is also under her vision and sensibility of the evolving customer needs that Zhou Agency has been successfully transformed into a multi-dimensional financial company offering versatile services in an integrated way.

312-808-9839 | jzhou@zhouagency.com

Partner

Terry graduated from Indiana University with a Bachelor of Science in Business Administration and also received a master’s degree in Accounting from the Keller Graduate School of Business of Management at Devry. Terry has more than 25 years of experience in corporate accounting as an accountant and financial analyst. He is mainly responsible for the company’s financial reporting and financial planning as well as analyzing the company’s financial strengths and weaknesses and proposing strategic directions.

tstrayn@zhouagency.com

Advisor

Jenny graduated from University of Illinois at Urbana Champaign and began her career in financial services having worked as an analyst in corporate finance and asset valuation. In 2013 Jenny obtained an M.B.A degree from The University of Chicago Booth School of Business with a concentration in Finance, Strategic Management and Organizational Behavior. Prior to joining Zhou Agency, Jenny held global finance operations roles at Citibank and project management roles at The Boston Consulting Group. She is working to drive strategic initiatives in operations and teaming at Zhou Agency.

jwang@zhouagency.com

Director of Business Operation

Kristy obtained her M.B.A. from the University of Illinois Urbana Champaign and Bachelor of Arts from Beijing Foreign Studies University. Prior to joining Zhou Agency, Kristy had over 10 years of experiences in marketing and brand management. She worked in Shanghai as a brand manager at one of the worlds’ largest Consumer Packaged Goods Company - Unilever, and then moved to the U.S., continuing her marketing profession in developing and implementing various digital marketing campaigns for Caterpillar. Kristy is now responsible for overseeing the overall operation of the company including marketing, human resources and other strategic areas to ensure the profitability and growth of the organization.

312-585-6851 | kzou@zhouagency.com

Tax Manager

Frank (Yipu) obtained a Bachelor of Management with a major in Financial Management. He came to the U.S. in 2015 to obtain his MBA from Rensselaer Polytechnic Institute and continue to build his accounting career in the U.S. Now he has more than 10 years of accounting experience. He has been working with clients by providing amazing services including tax preparation, auditing, bookkeeping, and consulting.

312-561-4039 | yliu@zhouagency.com

Business Accounting Manager

Rui is a truly reliable accountant with extensive tax preparation and business accounting experience. She received her master’s degree in accounting from DePaul University and is a certified QuickBooks ProAdvisor. Clients like her because she is easy to communicate with and someone you can always count on. Rui now oversees our Business Accounting services.

312-808-8096 | rwang@zhouagency.com

Life Insurance Senior Account Manager

Lulu graduated from Auburn University with a bachelor’s degree in business administration. When entering the insurance industry, she has taken that training and background to assist her clients in determining needs and structuring their insurance portfolio to best fit their requirements now and in the future. Key to this has been an unbiased multi-company approach and a focus on providing long-term solutions for her clients. She focuses on life insurance, long-term care and disability income for individuals, estate and business planning. Her knowledge and passion for insurance and genuine care for clients have enabled her to become a trusted insurance advisor who can always help our clients find the right insurance coverage that truly fits their needs.

312-268-2043 | lzhao@zhouagency.com

Property & Casualty Insurance Account Manager

Stephen Lim comes to our agency with a breadth of experience in the Commercial Insurance markets. With a B.S. in Business Administration from Cal Poly Pomona and years of risk management experience, he has extensive knowledge and experience in business development and insurance placement and management services. He always puts the clients' best interests first and strives to provide exceptional customer relations.

312-535-7347 | slim@zhouagency.com

Real Estate Investment Advisor

Sushil has been working in the Real Estate Industry for over 10 years. He worked for brokerages like Remax and for an International Real Estate Developer that has built luxury real estate globally. His focus has always been to find deals that are not easily available to buyers through his off market network and through private sellers. He strives to provide customer delight in every transaction by providing end to end solutions and going that extra mile. He has an Accounting and Economics degree and utilizes that background in analyzing and finding some of the best Investment properties for his clients.

312-945-2936 | shani@zhouagency.com

Property Manager

Yue obtained her Master's degree in Education Psychology from University of Georgia. With years of background in International Education, she successfully transitioned herself to Real Estate after the Covid impacted the international education industry. Her ability to embrace and adapt to new challenges, and pursuit of improvement on both professional and personal level, has enabled her to achieve incredible growth as the Property Manager helping clients manage their investments.

312-818-1231 | yhe@zhouagency.com