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
VANGUARD SMALL	SM CP VAL ETF	922908611	19,396	150,731	SH		SOLE		0	0	150,731
BERKSHIRE HATHAWAY	CL B NEW	084670702	3,808	20,309	SH		SOLE		0	0	20,309
ISHARES MSCI	EAFE VALUE ETF	464288877	8,431	154,840	SH		SOLE		0	0	154,840
ISHARES RUSSELL	RUS 2000 VAL ETF	464287630	26,611	213,057	SH		SOLE		0	0	213,057
ISHARES GOLD	ISHARES	464285105	9,164	742,064	SH		SOLE		0	0	742,064
ISHARES MSCI	MSCI EAFE ETF	464287465	878	12,831	SH		SOLE		0	0	12,831
ISHARES TIPS	TIPS BD ETF	464287176	15,238	134,348	SH		SOLE		0	0	134,348
VANGUARD S&P	S&P 500 ETF SHS	922908363	4,806	20,601	SH		SOLE		0	0	20,601
VANGUARD TOTAL	TOTAL STK MKT	922908769	39,458	301,431	SH		SOLE		0	0	301,431
UNITED STATES	UNITS	91232N108	200	19,954	SH		SOLE		0	0	19,954
VANGUARD SHORT	LONG TERM BOND	921937827	1,463	18,346	SH		SOLE		0	0	18,346
VANGUARD TOTAL	TT WRLD ST ETF	922042742	7,261	101,965	SH		SOLE		0	0	101,965
VANGUARD VALUE	VALUE ETF	922908744	2,440	24,195	SH		SOLE		0	0	24,195
ISHARES SELECT	SELECT DIVID ETF	464287168	2,670	28,364	SH		SOLE		0	0	28,364
AMAZON COM	COM	023135106	1,222	1,233	SH		SOLE		0	0	1,233
APPLE INC	COM	037833100	1,120	7,185	SH		SOLE		0	0	7,185
JOHNSON & JOHNSON	COM	478160104	747	5,600	SH		SOLE		0	0	5,600
SPDR GOLD	GOLD SHS	78463V107	382	3,127	SH		SOLE		0	0	3,127
KELLOGG COMPANY	COM	487836108	1,159	18,987	SH		SOLE		0	0	18,987
ALTRIA GROUP	COM	02209S103	1,067	16,779	SH		SOLE		0	0	16,779
COCA COLA COMPANY	COM	191216100	267	5,873	SH		SOLE		0	0	5,873
MONSANTO COMPANY	COM	61166W101	356	2,979	SH		SOLE		0	0	2,979
PHILIP MORRIS	COM	718172109	1,196	10,551	SH		SOLE		0	0	10,551
STRYKER CORP	COM	863667101	4,997	34,242	SH		SOLE		0	0	34,242
EXXON MOBIL	COM	30231G102	901	10,988	SH		SOLE		0	0	10,988
ISHARES NATIONAL	NATIONAL MUN ETF	464288414	1,935	17,470	SH		SOLE		0	0	17,470
SPDR S&P	TR UNIT	78462F103	2,703	10,644	SH		SOLE		0	0	10,644
VANGUARD ENERGY	ENERGY ETF	92204A306	280	3,010	SH		SOLE		0	0	3,010
VANGUARD FSTE	FTSE EMR MKT ETF	922042858	4,112	92,997	SH		SOLE		0	0	92,997
VANGUARD REIT	REIT ETF	922908553	868	10,399	SH		SOLE		0	0	10,399
AT&T INC	COM	00206R102	326	8,518	SH		SOLE		0	0	8,518
ISHARES 1-3YR	1 3 YR TREAS BD	464287457	3,249	38,519	SH		SOLE		0	0	38,519
MCDONALDS CORP	COM	580135101	229	1,433	SH		SOLE		0	0	1,433
ISHARES RUSSELL	RUS MID CAP ETF	464287499	493	2,475	SH		SOLE		0	0	2,475
GENERAL ELECTRIC	COM	369604103	250	10,661	SH		SOLE		0	0	10,661
CONOCOPHILLIPS	COM	20825C104	307	6,277	SH		SOLE		0	0	6,277
PROCTER & GAMBLE	COM	742718109	1,490	16,176	SH		SOLE		0	0	16,176
CHEVRON CORP	COM	166764100	713	6,060	SH		SOLE		0	0	6,060
MICROSOFT CORP	COM	594918104	401	5,250	SH		SOLE		0	0	5,250
VANGUARD TOTAL	VG TL INTL STK F	921909768	931	16,937	SH		SOLE		0	0	16,937
ISHARES S&P	UNIT BEN INT	46428R107	225	15,361	SH		SOLE		0	0	15,361
VISA INC	COM CL A	92826C839	206	1,926	SH		SOLE		0	0	1,926
ISHARES CORE	CORE S&P500 ETF	464287200	649	2,538	SH		SOLE		0	0	2,538
PEPSICO INC	COM	713448108	535	4,867	SH		SOLE		0	0	4,867
VANGUARD TOTAL	TOTAL BND MRKT	921937835	945	11,560	SH		SOLE		0	0	11,560
VANGUARD TOTAL	INTL BD IDX ETF	92203J407	238	4,360	SH		SOLE		0	0	4,360
FORD MOTOR	COM PAR $0.01	345370860	130	10,501	SH		SOLE		0	0	10,501
CATERPILLAR INC	COM	149123101	304	2,399	SH		SOLE		0	0	2,399
PFIZER INC	COM	717081103	1,155	31,965	SH		SOLE		0	0	31,965
KRAFT HEINZ	COM	500754106	428	5,537	SH		SOLE		0	0	5,537
MONDELEZ INTERNATIONAL	CL A	609207105	368	9,012	SH		SOLE		0	0	9,012
ISHARES CORE	CORE S&P TTL STK	464287150	2,838	48,907	SH		SOLE		0	0	48,907
ISHARES CORE	CORE S&P MCP ETF	464287507	370	2,045	SH		SOLE		0	0	2,045
ISHARES CORE	CORE S&P SCP ETF	464287804	382	5,110	SH		SOLE		0	0	5,110
KIMBERLY CLARK	COM	494368103	704	6,096	SH		SOLE		0	0	6,096
W P CAREY	COM	92936U109	625	9,145	SH		SOLE		0	0	9,145
BARCLAYS BANK	IPSP CROIL ETN	06738C786	495	96,161	SH		SOLE		0	0	96,161
ISHARES S&P	S&P 500 GRWT ETF	464287309	236	1,623	SH		SOLE		0	0	1,623
ISHARES S&P	S&P 500 VAL ETF	464287408	293	2,695	SH		SOLE		0	0	2,695
DOWDUPONT INC	COM	26078J100	707	9,870	SH		SOLE		0	0	9,870
BARCLAYS BANK	IPSPGS TTL ETN	06738C794	147	10,782	SH		SOLE		0	0	10,782
VANGUARD SHORT	STRM INFPROIDX	922020805	263	5,313	SH		SOLE		0	0	5,313
SPDR DOW	UT SER 1	78467X109	263	1,154	SH		SOLE		0	0	1,154
ISHARES RUSSELL	RUSSELL 3000 ETF	464287689	2,426	16,081	SH		SOLE		0	0	16,081
ISHARES S&P	SP SMCP600VL ETF	464287879	1,244	8,331	SH		SOLE		0	0	8,331
STEELCASE INC	CL A	858155203	660	43,577	SH		SOLE		0	0	43,577
NETFLIX INC	COM	64110L106	354	1,799	SH		SOLE		0	0	1,799
ISHARES RUSS	RUS MDCP VAL ETF	464287473	603	7,053	SH		SOLE		0	0	7,053
PROTALIX BIOTHERAPEUTICS	COM	74365A101	27	45,000	SH		SOLE		0	0	45,000
EATON CORP	SHS	G29183103	847	10,904	SH		SOLE		0	0	10,904
VANGUARD DIVIDEND	DIV APP ETF	921908844	224	2,346	SH		SOLE		0	0	2,346
FARMERS & MERCHANTS	COM	30779N105	350	9,000	SH		SOLE		0	0	9,000
BERKSHIRE HATHAWAY INC	CL A	084670108	1,405	5	SH		SOLE		0	0	5
VANGUARD MID	MID CAP ETF	922908629	803	5,424	SH		SOLE		0	0	5,424
ISHARES S&P	S&P MC 400VL ETF	464287705	291	1,897	SH		SOLE		0	0	1,897
3M COMPANY	COM	88579Y101	332	1,532	SH		SOLE		0	0	1,532
SIRIUS XM	COM	82968B103	59	10,387	SH		SOLE		0	0	10,387
GENL MILLS INC	COM	370334104	326	6,501	SH		SOLE		0	0	6,501
PRAXAIR INC	COM	74005P104	296	2,103	SH		SOLE		0	0	2,103
U S BANCORP DE	COM NEW	902973304	211	3,913	SH		SOLE		0	0	3,913
PARKER HANNIFIN	COM	701094104	248	1,398	SH		SOLE		0	0	1,398