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 Intl Equity Index Total World	TT WRLD ST ETF	922042742	6,480	106,493	SH		SOLE		0	0	106,493
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,270	22,631	SH		SOLE		0	0	22,631
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	16,133	138,489	SH		SOLE		0	0	138,489
iShares Gold Trust	ISHARES	464285105	9,455	745,072	SH		SOLE		0	0	745,072
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	23,721	226,453	SH		SOLE		0	0	226,453
Vanguard Index Total Stock Market Etf	TOTAL STK MKT	922908769	34,741	312,056	SH		SOLE		0	0	312,056
iShares MSCI EAFE Value Index Fd	EAFE VALUE ETF	464288877	8,342	180,726	SH		SOLE		0	0	180,726
iShares SP National Municipal Bond Fd	NATIONAL MUN ETF	464288414	2,019	17,903	SH		SOLE		0	0	17,903
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	338	24,649	SH		SOLE		0	0	24,649
Vanguard Index Vanguard Small Cap Value	SM CP VAL ETF	922908611	16,835	152,136	SH		SOLE		0	0	152,136
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	2,071	355,213	SH		SOLE		0	0	355,213
Vanguard SP 500 Index ETF	S&P 500 ETF SHS	922908363	4,658	23,446	SH		SOLE		0	0	23,446
Vanguard Total Intl Stock Idx Fund ETF	VG TL INTL STK F	921909768	855	18,109	SH		SOLE		0	0	18,109
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	1,042	12,380	SH		SOLE		0	0	12,380
SPDR SP 500 ETF	TR UNIT	78462F103	2,534	11,714	SH		SOLE		0	0	11,714
Vanguard Total Intl Bond Index ETF	INTL BD IDX ETF	92203J407	284	5,067	SH		SOLE		0	0	5,067
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	3,367	39,596	SH		SOLE		0	0	39,596
ConocoPhillips	COM	20825C104	443	10,183	SH		SOLE		0	0	10,183
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	3,595	95,530	SH		SOLE		0	0	95,530
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	578	7,527	SH		SOLE		0	0	7,527
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	419	28,275	SH		SOLE		0	0	28,275
Vanguard Short Term Infltn Prot ETF	STRM INFPROIDX	922020805	264	5,313	SH		SOLE		0	0	5,313
iShares MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,164	19,681	SH		SOLE		0	0	19,681
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,630	30,690	SH		SOLE		0	0	30,690
SPDR Dow Jones Indl Average Etf Ser 1	UT SER 1	78467X109	228	1,248	SH		SOLE		0	0	1,248
Vanguard Index Reit Etf	REIT ETF	922908553	981	11,314	SH		SOLE		0	0	11,314
Microsoft Corp	COM	594918104	322	5,596	SH		SOLE		0	0	5,596
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	2,208	25,378	SH		SOLE		0	0	25,378
Stryker Corp	COM	863667101	4,011	34,456	SH		SOLE		0	0	34,456
Exxon Mobil Corp	COM	30231G102	989	11,332	SH		SOLE		0	0	11,332
W P Carey Inc	COM	92936U109	1,202	18,622	SH		SOLE		0	0	18,622
Xenia Hotels Resorts Inc	COM	984017103	422	27,825	SH		SOLE		0	0	27,825
General Electric Company	COM	369604103	281	9,486	SH		SOLE		0	0	9,486
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	1,087	8,709	SH		SOLE		0	0	8,709
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,235	17,437	SH		SOLE		0	0	17,437
Kellogg Company	COM	487836108	1,225	15,817	SH		SOLE		0	0	15,817
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,498	18,534	SH		SOLE		0	0	18,534
Johnson and Johnson	COM	478160104	617	5,220	SH		SOLE		0	0	5,220
AT T Corp	COM	00206R102	458	11,271	SH		SOLE		0	0	11,271
Apple Inc	COM	037833100	771	6,824	SH		SOLE		0	0	6,824
Mondelez International Inc	CL A	609207105	396	9,012	SH		SOLE		0	0	9,012
Kraft Heinz Co	COM	500754106	481	5,370	SH		SOLE		0	0	5,370
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	393	3,127	SH		SOLE		0	0	3,127
Dow Chemical Company	COM	260543103	516	9,960	SH		SOLE		0	0	9,960
Tesla Motors Inc	COM	88160R101	233	1,144	SH		SOLE		0	0	1,144
Phillip Morris International Inc	COM	718172109	1,078	11,093	SH		SOLE		0	0	11,093
iShares Russell Midcap Index Fd	RUS MID CAP ETF	464287499	466	2,673	SH		SOLE		0	0	2,673
Monsanto Company	COM	61166W101	294	2,874	SH		SOLE		0	0	2,874
Altria Group Inc	COM	02209S103	1,057	16,711	SH		SOLE		0	0	16,711
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	353	2,845	SH		SOLE		0	0	2,845
iShares SP Midcap 400 Index Fd	CORE S&P MCP ETF	464287507	339	2,190	SH		SOLE		0	0	2,190
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	702	5,424	SH		SOLE		0	0	5,424
Ford Motor Company	COM PAR $0.01	345370860	195	16,197	SH		SOLE		0	0	16,197
Berkshire Hathaway Inc De Cl A	CL A	084670108	1,297	6	SH		SOLE		0	0	6
Chevron Corp	COM	166764100	1,073	10,433	SH		SOLE		0	0	10,433
Wells Fargo and Co	COM	949746101	222	5,003	SH		SOLE		0	0	5,003
Pepsico Inc	COM	713448108	488	4,491	SH		SOLE		0	0	4,491
Steelcase Inc Cl A	CL A	858155203	616	44,376	SH		SOLE		0	0	44,376
Amazon.com Inc	COM	023135106	255	304	SH		SOLE		0	0	304
Procter and Gamble Company	COM	742718109	1,499	16,700	SH		SOLE		0	0	16,700
Eaton Corp Plc	SHS	G29183103	708	10,780	SH		SOLE		0	0	10,780
Pfizer Inc	COM	717081103	1,145	33,794	SH		SOLE		0	0	33,794
Full House Resorts Inc	COM	359678109	286	160,000	SH		SOLE		0	0	160,000
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	687	3,156	SH		SOLE		0	0	3,156
Kimberly Clark Corp	COM	494368103	827	6,552	SH		SOLE		0	0	6,552
Annaly Capital Management Inc	COM	035710409	127	12,060	SH		SOLE		0	0	12,060
iShares SP Midcap Value 400 Index Fd	S&P MC 400VL ETF	464287705	252	1,897	SH		SOLE		0	0	1,897
Invesco Ltd Shares	SHS	G491BT108	442	14,149	SH		SOLE		0	0	14,149
3M Company	COM	88579Y101	252	1,429	SH		SOLE		0	0	1,429
General Mills Inc	COM	370334104	421	6,597	SH		SOLE		0	0	6,597
Caterpillar Inc	COM	149123101	469	5,281	SH		SOLE		0	0	5,281
Praxair Inc	COM	74005P104	327	2,703	SH		SOLE		0	0	2,703
United States Oil Fund Ltd Parnership	UNITS	91232N108	218	19,954	SH		SOLE		0	0	19,954
Ametek Inc	COM	031100100	270	5,659	SH		SOLE		0	0	5,659