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 MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,143	20,468	SH		SOLE		0	0	20,468
iShares Gold Trust	ISHARES	464285105	9,486	743,410	SH		SOLE		0	0	743,410
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	16,262	139,385	SH		SOLE		0	0	139,385
Vanguard Index Total Stock Market Etf	TOTAL STK MKT	922908769	33,930	316,624	SH		SOLE		0	0	316,624
Vanguard Index Vanguard Small Cap Value	SM CP VAL ETF	922908611	16,333	155,096	SH		SOLE		0	0	155,096
Vanguard Intl Equity Index Total World	TT WRLD ST ETF	922042742	6,228	107,244	SH		SOLE		0	0	107,244
General Electric Company	COM	369604103	296	9,408	SH		SOLE		0	0	9,408
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	23,756	244,177	SH		SOLE		0	0	244,177
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	2,407	385,175	SH		SOLE		0	0	385,175
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,163	17,437	SH		SOLE		0	0	17,437
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	1,036	8,870	SH		SOLE		0	0	8,870
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	2,071	24,364	SH		SOLE		0	0	24,364
Vanguard SP 500 Index ETF	S&P 500 ETF SHS	922908363	4,856	25,266	SH		SOLE		0	0	25,266
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,655	31,133	SH		SOLE		0	0	31,133
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	3,420	97,078	SH		SOLE		0	0	97,078
ConocoPhillips	COM	20825C104	456	10,470	SH		SOLE		0	0	10,470
iShares MSCI EAFE Value Index Fd	EAFE VALUE ETF	464288877	8,089	188,386	SH		SOLE		0	0	188,386
Stryker Corp	COM	863667101	4,122	34,395	SH		SOLE		0	0	34,395
iShares SP National Municipal Bond Fd	NATIONAL MUN ETF	464288414	2,050	17,998	SH		SOLE		0	0	17,998
Xenia Hotels Resorts Inc	COM	984017103	495	29,509	SH		SOLE		0	0	29,509
Vanguard Index Reit Etf	REIT ETF	922908553	961	10,837	SH		SOLE		0	0	10,837
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	559	7,527	SH		SOLE		0	0	7,527
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	3,383	39,648	SH		SOLE		0	0	39,648
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	464	29,891	SH		SOLE		0	0	29,891
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,371	23,285	SH		SOLE		0	0	23,285
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	411	28,299	SH		SOLE		0	0	28,299
Vanguard Total Intl Stock Idx Fund ETF	VG TL INTL STK	921909768	766	17,222	SH		SOLE		0	0	17,222
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	1,022	12,129	SH		SOLE		0	0	12,129
SPDR SP 500 ETF	TR UNIT	78462F103	2,277	10,870	SH		SOLE		0	0	10,870
Vanguard Total Intl Bond Index ETF	INTL BD IDX ETF	92203J407	266	4,777	SH		SOLE		0	0	4,777
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	671	5,424	SH		SOLE		0	0	5,424
Apple Inc	COM	037833100	687	7,184	SH		SOLE		0	0	7,184
Johnson and Johnson	COM	478160104	592	4,882	SH		SOLE		0	0	4,882
Chevron Corp	COM	166764100	1,111	10,602	SH		SOLE		0	0	10,602
Berkshire Hathaway Inc De Cl A	CL A	084670108	1,302	6	SH		SOLE		0	0	6
Wells Fargo and Co	COM	949746101	236	4,978	SH		SOLE		0	0	4,978
United Parcel Service of America Cl B	CL B	911312106	339	3,151	SH		SOLE		0	0	3,151
SPDR Dow Jones Indl Average Etf Ser 1	UT SER 1	78467X109	207	1,154	SH		SOLE		0	0	1,154
Pepsico Inc	COM	713448108	476	4,491	SH		SOLE		0	0	4,491
Microsoft Corp	COM	594918104	286	5,596	SH		SOLE		0	0	5,596
W P Carey Inc	COM	92936U109	2,125	30,609	SH		SOLE		0	0	30,609
Exxon Mobil Corp	COM	30231G102	1,074	11,455	SH		SOLE		0	0	11,455
Phillip Morris International Inc	COM	718172109	1,094	10,751	SH		SOLE		0	0	10,751
Monsanto Company	COM	61166W101	297	2,874	SH		SOLE		0	0	2,874
Mondelez International Inc	CL A	609207105	410	9,012	SH		SOLE		0	0	9,012
Kraft Heinz Co	COM	500754106	475	5,370	SH		SOLE		0	0	5,370
Altria Group Inc	COM	02209S103	1,187	17,211	SH		SOLE		0	0	17,211
Dow Chemical Company	COM	260543103	496	9,977	SH		SOLE		0	0	9,977
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	286	2,460	SH		SOLE		0	0	2,460
iShares SP Midcap 400 Index Fd	CORE S&P MCP ETF	464287507	267	1,788	SH		SOLE		0	0	1,788
Kellogg Company	COM	487836108	1,376	16,857	SH		SOLE		0	0	16,857
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,534	18,926	SH		SOLE		0	0	18,926
iShares Russell Midcap Index Fd	RUS MID-CAP ETF	464287499	430	2,556	SH		SOLE		0	0	2,556
Vanguard Short Term Infltn Prot ETF	STRM INFPROIDX	922020805	263	5,313	SH		SOLE		0	0	5,313
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	370	2,927	SH		SOLE		0	0	2,927
Tesla Motors Inc	COM	88160R101	243	1,144	SH		SOLE		0	0	1,144
Pfizer Inc	COM	717081103	1,116	31,701	SH		SOLE		0	0	31,701
Eaton Corp Plc	SHS	G29183103	649	10,870	SH		SOLE		0	0	10,870
Procter and Gamble Company	COM	742718109	1,679	19,834	SH		SOLE		0	0	19,834
Steelcase Inc Cl A	CL A	858155203	629	46,376	SH		SOLE		0	0	46,376
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	656	3,115	SH		SOLE		0	0	3,115
Kimberly Clark Corp	COM	494368103	901	6,552	SH		SOLE		0	0	6,552
International Business Machines Corp	COM	459200101	206	1,360	SH		SOLE		0	0	1,360
Full House Resorts Inc	COM	359678109	323	160,000	SH		SOLE		0	0	160,000
Annaly Capital Management Inc	COM	035710409	166	14,985	SH		SOLE		0	0	14,985
Bristol Myers Squibb Company	COM	110122108	207	2,810	SH		SOLE		0	0	2,810
General Mills Inc	COM	370334104	495	6,947	SH		SOLE		0	0	6,947
Schlumberger Ltd	COM	806857108	313	3,953	SH		SOLE		0	0	3,953
iShares SP Midcap Value 400 Index Fd	S&P MC 400VL ETF	464287705	243	1,897	SH		SOLE		0	0	1,897
Invesco Ltd Shares	SHS	G491BT108	361	14,149	SH		SOLE		0	0	14,149
3M Company	COM	88579Y101	368	2,104	SH		SOLE		0	0	2,104
Caterpillar Inc	COM	149123101	378	4,981	SH		SOLE		0	0	4,981
Praxair Inc	COM	74005P104	304	2,703	SH		SOLE		0	0	2,703
United States Oil Fund Ltd Parnership	UNITS	91232N108	231	19,954	SH		SOLE		0	0	19,954
Ametek Inc	COM	031100100	262	5,659	SH		SOLE		0	0	5,659