Zhang Financial 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ISHARES CORE	CORE S&P TTL STK	464287150	3,966	64,000	SH		SOLE		0	0	64,000
VANGUARD SMALL	SM CP VAL ETF	922908611	20,128	149,296	SH		SOLE		0	0	149,296
BERKSHIRE HATHAWAY	CL B NEW	084670702	4,115	20,319	SH		SOLE		0	0	20,319
ISHARES MSCI	EAFE VALUE ETF	464288877	8,196	144,303	SH		SOLE		0	0	144,303
ISHARES RUSSELL	RUS 2000 VAL ETF	464287630	26,574	208,243	SH		SOLE		0	0	208,243
ISHARES GOLD	ISHARES	464285105	9,306	733,358	SH		SOLE		0	0	733,358
ISHARES MSCI	MSCI EAFE ETF	464287465	867	11,989	SH		SOLE		0	0	11,989
ISHARES TIPS	TIPS BD ETF	464287176	15,241	133,923	SH		SOLE		0	0	133,923
VANGUARD S&P	S&P 500 ETF SHS	922908363	4,906	19,487	SH		SOLE		0	0	19,487
VANGUARD TOTAL	TOTAL STK MKT	922908769	41,817	297,372	SH		SOLE		0	0	297,372
UNITED STATES	UNITS	91232N108	247	19,954	SH		SOLE		0	0	19,954
VANGUARD SHORT	SHORT TRM BOND	921937827	1,554	19,671	SH		SOLE		0	0	19,671
VANGUARD TOTAL	TT WRLD ST ETF	922042742	7,398	96,978	SH		SOLE		0	0	96,978
VANGUARD VALUE	VALUE ETF	922908744	2,615	24,143	SH		SOLE		0	0	24,143
ISHARES SELECT	SELECT DIVID ETF	464287168	2,796	28,089	SH		SOLE		0	0	28,089
AMAZON COM	COM	023135106	1,531	1,228	SH		SOLE		0	0	1,228
APPLE INC	COM	037833100	1,432	8,265	SH		SOLE		0	0	8,265
JOHNSON & JOHNSON	COM	478160104	765	5,388	SH		SOLE		0	0	5,388
SPDR GOLD	GOLD SHS	78463V107	410	3,272	SH		SOLE		0	0	3,272
KELLOGG COMPANY	COM	487836108	1,402	20,263	SH		SOLE		0	0	20,263
ALTRIA GROUP	COM	02209S103	1,135	16,145	SH		SOLE		0	0	16,145
COCA COLA COMPANY	COM	191216100	265	5,770	SH		SOLE		0	0	5,770
MONSANTO COMPANY	COM	61166W101	352	2,956	SH		SOLE		0	0	2,956
PHILIP MORRIS	COM	718172109	1,090	10,467	SH		SOLE		0	0	10,467
STRYKER CORP	COM	863667101	5,517	33,792	SH		SOLE		0	0	33,792
EXXON MOBIL	COM	30231G102	832	9,551	SH		SOLE		0	0	9,551
ISHARES NATIONAL	NATIONAL MUN ETF	464288414	1,864	16,872	SH		SOLE		0	0	16,872
SPDR S&P	TR UNIT	78462F103	3,075	11,250	SH		SOLE		0	0	11,250
VANGUARD ENERGY	ENERGY ETF	92204A306	334	3,234	SH		SOLE		0	0	3,234
VANGUARD FSTE	FTSE EMR MKT ETF	922042858	4,440	92,748	SH		SOLE		0	0	92,748
VANGUARD REIT	REIT ETF	922908553	848	10,407	SH		SOLE		0	0	10,407
BRISTOL MYERS	COM	110122108	205	3,309	SH		SOLE		0	0	3,309
AT&T INC	COM	00206R102	307	8,037	SH		SOLE		0	0	8,037
ISHARES 1-3YR	1 3 YR TREAS BD	464287457	3,226	38,503	SH		SOLE		0	0	38,503
MCDONALDS CORP	COM	580135101	249	1,433	SH		SOLE		0	0	1,433
ISHARES RUSSELL	RUS MID CAP ETF	464287499	528	2,477	SH		SOLE		0	0	2,477
CONOCOPHILLIPS	COM	20825C104	340	5,921	SH		SOLE		0	0	5,921
PROCTER & GAMBLE	COM	742718109	1,452	15,827	SH		SOLE		0	0	15,827
CHEVRON CORP	COM	166764100	935	7,314	SH		SOLE		0	0	7,314
INTL BUSINESS	COM	459200101	207	1,266	SH		SOLE		0	0	1,266
MICROSOFT CORP	COM	594918104	487	5,512	SH		SOLE		0	0	5,512
VANGUARD TOTAL	VG TL INTL STK F	921909768	982	16,760	SH		SOLE		0	0	16,760
VISA INC	COM CL A	92826C839	230	1,926	SH		SOLE		0	0	1,926
ISHARES CORE	CORE S&P500 ETF	464287200	700	2,538	SH		SOLE		0	0	2,538
PEPSICO INC	COM	713448108	619	5,242	SH		SOLE		0	0	5,242
AMETEK INC	COM	031100100	210	2,829	SH		SOLE		0	0	2,829
VANGUARD TOTAL	TOTAL BND MRKT	921937835	935	11,499	SH		SOLE		0	0	11,499
VANGUARD TOTAL	INTL BD IDX ETF	92203J407	237	4,360	SH		SOLE		0	0	4,360
CATERPILLAR INC	COM	149123101	398	2,399	SH		SOLE		0	0	2,399
PFIZER INC	COM	717081103	1,169	32,061	SH		SOLE		0	0	32,061
KRAFT HEINZ	COM	500754106	416	5,304	SH		SOLE		0	0	5,304
MONDELEZ INTERNATIONAL	CL A	609207105	357	8,312	SH		SOLE		0	0	8,312
ISHARES CORE	CORE S&P MCP ETF	464287507	271	1,395	SH		SOLE		0	0	1,395
ISHARES CORE	CORE S&P SCP ETF	464287804	398	5,110	SH		SOLE		0	0	5,110
KIMBERLY CLARK	COM	494368103	728	6,096	SH		SOLE		0	0	6,096
W P CAREY	COM	92936U109	408	6,029	SH		SOLE		0	0	6,029
BARCLAYS BANK	IPSP CROIL ETN	06738C786	532	78,865	SH		SOLE		0	0	78,865
ISHARES S&P	S&P 500 VAL ETF	464287408	453	3,931	SH		SOLE		0	0	3,931
VANGUARD SHORT	STRM INFPROIDX	922020805	259	5,313	SH		SOLE		0	0	5,313
SPDR DOW	UT SER 1	78467X109	291	1,154	SH		SOLE		0	0	1,154
ISHARES RUSSELL	RUSSELL 3000 ETF	464287689	2,603	16,054	SH		SOLE		0	0	16,054
ISHARES S&P	SP SMCP600VL ETF	464287879	1,243	7,958	SH		SOLE		0	0	7,958
STEELCASE INC	CL A	858155203	646	42,531	SH		SOLE		0	0	42,531
ZOETIS INC	CL A	98978V103	210	2,827	SH		SOLE		0	0	2,827
NETFLIX INC	COM	64110L106	381	1,799	SH		SOLE		0	0	1,799
ISHARES RUSS	RUS MDCP VAL ETF	464287473	606	6,706	SH		SOLE		0	0	6,706
DOWDUPONT INC	COM	26078J100	618	8,226	SH		SOLE		0	0	8,226
PROTALIX BIOTHERAPEUTICS	COM	74365A101	33	45,000	SH		SOLE		0	0	45,000
EATON CORP	SHS	G29183103	723	8,809	SH		SOLE		0	0	8,809
VANGUARD DIVIDEND	DIV APP ETF	921908844	255	2,445	SH		SOLE		0	0	2,445
FARMERS & MERCHANTS	COM	30779N105	354	9,000	SH		SOLE		0	0	9,000
NORFOLK SOUTHERN	COM	655844108	240	1,575	SH		SOLE		0	0	1,575
BERKSHIRE HATHAWAY INC	CL A	084670108	1,521	5	SH		SOLE		0	0	5
VANGUARD MID	MID CAP ETF	922908629	845	5,324	SH		SOLE		0	0	5,324
ISHARES S&P	S&P MC 400VL ETF	464287705	309	1,897	SH		SOLE		0	0	1,897
3M COMPANY	COM	88579Y101	367	1,532	SH		SOLE		0	0	1,532
SIRIUS XM	COM	82968B103	55	10,387	SH		SOLE		0	0	10,387
GENL MILLS INC	COM	370334104	402	6,693	SH		SOLE		0	0	6,693
U S BANCORP DE	COM NEW	902973304	234	4,225	SH		SOLE		0	0	4,225
PRAXAIR INC	COM	74005P104	339	2,103	SH		SOLE		0	0	2,103
PARKER HANNIFIN	COM	701094104	288	1,401	SH		SOLE		0	0	1,401
CENTRAL FED CORP	COM NEW	15346Q202	73	26,667	SH		SOLE		0	0	26,667