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
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,448	25,335	SH		SOLE		0	0	25,335
Stryker Corp	COM	863667101	2,883	30,165	SH		SOLE		0	0	30,165
Apple Inc	COM	037833100	861	6,862	SH		SOLE		0	0	6,862
Xenia Hotels Resorts Inc	COM	984017103	720	33,114	SH		SOLE		0	0	33,114
W P Carey Inc	COM	92936U109	2,449	41,550	SH		SOLE		0	0	41,550
Procter and Gamble Company	COM	742718109	1,625	20,771	SH		SOLE		0	0	20,771
Pepsico Inc	COM	713448108	315	3,370	SH		SOLE		0	0	3,370
Johnson and Johnson	COM	478160104	406	4,166	SH		SOLE		0	0	4,166
General Electric Company	COM	369604103	306	11,503	SH		SOLE		0	0	11,503
Phillip Morris International Inc	COM	718172109	1,008	12,576	SH		SOLE		0	0	12,576
Kraft Foods Group Inc	COM	50076Q106	471	5,527	SH		SOLE		0	0	5,527
Altria Group Inc	COM	02209S103	859	17,571	SH		SOLE		0	0	17,571
Exxon Mobil Corp	COM	30231G102	973	11,695	SH		SOLE		0	0	11,695
United Parcel Service of America Cl B	CL B	911312106	305	3,151	SH		SOLE		0	0	3,151
Wells Fargo and Co	COM	949746101	280	4,978	SH		SOLE		0	0	4,978
ConocoPhillips	COM	20825C104	675	10,984	SH		SOLE		0	0	10,984
Chevron Corp	COM	166764100	354	3,667	SH		SOLE		0	0	3,667
Berkshire Hathaway Inc De Cl A	CL A	084670108	1,639	8	SH		SOLE		0	0	8
Kellogg Company	COM	487836108	998	15,912	SH		SOLE		0	0	15,912
Steelcase Inc Cl A	CL A	858155203	928	49,076	SH		SOLE		0	0	49,076
Mondelez International Inc	CL A	609207105	395	9,598	SH		SOLE		0	0	9,598
Full House Resorts Inc	COM	359678109	267	160,000	SH		SOLE		0	0	160,000
American Express Company	COM	025816109	228	2,940	SH		SOLE		0	0	2,940
Dow Chemical Company	COM	260543103	507	9,901	SH		SOLE		0	0	9,901
Eaton Corp Plc	SHS	G29183103	737	10,922	SH		SOLE		0	0	10,922
Pfizer Inc	COM	717081103	1,189	35,466	SH		SOLE		0	0	35,466
Monsanto Company	COM	61166W101	296	2,774	SH		SOLE		0	0	2,774
Kimberly Clark Corp	COM	494368103	692	6,532	SH		SOLE		0	0	6,532
International Business Machines Corp	COM	459200101	231	1,420	SH		SOLE		0	0	1,420
Annaly Capital Management Inc	COM	035710409	118	12,790	SH		SOLE		0	0	12,790
General Mills Inc	COM	370334104	476	8,543	SH		SOLE		0	0	8,543
Caterpillar Inc	COM	149123101	321	3,781	SH		SOLE		0	0	3,781
Praxair Inc	COM	74005P104	323	2,703	SH		SOLE		0	0	2,703
Bank of America Corp	COM	060505104	187	10,851	SH		SOLE		0	0	10,851
Polymet Mining Corp	COM	731916102	13	11,500	SH		SOLE		0	0	11,500
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	17,910	159,882	SH		SOLE		0	0	159,882
Vanguard Intl Equity Index Total World	TT WRLD ST ETF	922042742	805	13,091	SH		SOLE		0	0	13,091
iShares MSCI EAFE Value Index Fd	EAFE VALUE ETF	464288877	10,776	205,902	SH		SOLE		0	0	205,902
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,297	18,527	SH		SOLE		0	0	18,527
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	25,147	246,807	SH		SOLE		0	0	246,807
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	314	2,796	SH		SOLE		0	0	2,796
Vanguard Index Total Stock Market Etf	TOTAL STK	922908769	27,999	261,550	SH		SOLE		0	0	261,550
Vanguard Index Vanguard Small Cap Value	SM CP VAL ET	922908611	10,620	98,488	SH		SOLE		0	0	98,488
Vanguard Index Reit Etf	REIT ETF	922908553	951	12,728	SH		SOLE		0	0	12,728
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	651	30,861	SH		SOLE		0	0	30,861
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	1,291	10,964	SH		SOLE		0	0	10,964
iShares Russell Midcap Index Fd	RUS MID-CAP ETF	464287499	608	3,571	SH		SOLE		0	0	3,571
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	3,913	46,114	SH		SOLE		0	0	46,114
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	699	5,486	SH		SOLE		0	0	5,486
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	3,088	75,547	SH		SOLE		0	0	75,547
SPDR Dow Jones Indl Average Etf Ser 1	UT SER 1	78467X109	203	1,154	SH		SOLE		0	0	1,154
iShares MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,311	20,643	SH		SOLE		0	0	20,643
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	2,072	24,861	SH		SOLE		0	0	24,861
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,422	32,241	SH		SOLE		0	0	32,241
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,722	21,471	SH		SOLE		0	0	21,471
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	629	7,742	SH		SOLE		0	0	7,742
Vanguard Total Intl Stock Idx Fund ETF	VG TL INTL STK F	921909768	519	10,304	SH		SOLE		0	0	10,304
SPDR SP 500 ETF	TR UNIT	78462F103	2,231	10,824	SH		SOLE		0	0	10,824
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	555	7,527	SH		SOLE		0	0	7,527
iShares SP National Municipal Bond Fd	NAT AMT FREE BD	464288414	1,990	18,390	SH		SOLE		0	0	18,390
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	322	2,733	SH		SOLE		0	0	2,733
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	677	3,269	SH		SOLE		0	0	3,269
iShares Russell 3000 Value Index Fd	CORE US VAL ETF	464287663	255	1,891	SH		SOLE		0	0	1,891
iShares SP Midcap Value 400 Index Fd	S&P MC 400VL ETF	464287705	245	1,897	SH		SOLE		0	0	1,897
Vanguard Short Term Infltn Prot ETF	STRM INFPROIDX	922020805	281	5,776	SH		SOLE		0	0	5,776
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	4,884	406,620	SH		SOLE		0	0	406,620
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	711	34,425	SH		SOLE		0	0	34,425