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
PROCTER AND GAMBLE COMPANY	COM	742718109	1,075	13,954	SH		SOLE		0	0	13,954
BARCLAYS BANK PLC IPATH LKD GLDMN SACHS	IPSP CROIL ETN	06738C786	3,914	171,913	SH		SOLE		0	0	171,913
SPDR SP 500 ETF	TR UNIT	78462F103	1,529	9,760	SH		SOLE		0	0	9,760
VANGUARD INDEX VANGUARD SMALL CAP VALUE	SM CP VAL ETF	922908611	7,763	94,502	SH		SOLE		0	0	94,502
VANGUARD INDEX TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	19,785	244,380	SH		SOLE		0	0	244,380
ISHARES RUSSELL 2000 VALUE INDEX FD	RUSL 2000 VALU	464287630	20,095	239,766	SH		SOLE		0	0	239,766
ISHARES GSCI COMMODITY INDEXED TRUST	UNIT BEN INT	46428R107	1,018	30,951	SH		SOLE		0	0	30,951
PFIZER INC	COM	717081103	576	19,958	SH		SOLE		0	0	19,958
ISHARES RUSSELL 3000 INDEX FD	RUSSELL 3000	464287689	2,067	22,119	SH		SOLE		0	0	22,119
ISHARES TR 1 3 YR TREASURY INDEX FD	BARCLYS 1-3 YR	464287457	4,076	48,258	SH		SOLE		0	0	48,258
ISHARES US TREAS INFLATION PROTECTED	BARCLYS TIPS BD	464287176	11,182	92,207	SH		SOLE		0	0	92,207
ISHARES MSCI EAFE VALUE INDEX FD	MSCI VAL IDX	464288877	10,247	206,011	SH		SOLE		0	0	206,011
ISHARES DOW JONES SELECT DIV INDEX FD	DJ SEL DIV INX	464287168	1,853	29,234	SH		SOLE		0	0	29,234
BERKSHIRE HATHAWAY INC DE CL B	CL B NEW	084670702	2,554	24,514	SH		SOLE		0	0	24,514
VANGUARD INDEX REIT ETF	REIT ETF	922908553	769	10,908	SH		SOLE		0	0	10,908
STRYKER CORP	COM	863667101	2,504	38,384	SH		SOLE		0	0	38,384
BARCLAYS BANK PLC IPATH INDEX PFD	IPSPGS TTL ETN	06738C794	718	21,499	SH		SOLE		0	0	21,499
ISHARES MSCI EAFE INDEX FUND	MSCI EAFE INDEX	464287465	1,262	21,403	SH		SOLE		0	0	21,403
VANGUARD INTL EQUITY EMERGING MARKETS	FTSE EMR MKT ETF	922042858	1,684	39,268	SH		SOLE		0	0	39,268
VANGUARD BOND INDEX TOTAL BD MARKET	TOTAL BND MKT	921937835	262	3,134	SH		SOLE		0	0	3,134
ISHARES SP SMALLCAP 600 INDEX FD	CORE S&P SCP ETF	464287804	266	3,053	SH		SOLE		0	0	3,053
VANGUARD INDEX VANGUARD VALUE ETF	VALUE ETF	922908744	1,612	24,601	SH		SOLE		0	0	24,601
ISHARES RUSSELL MIDCAP INDEX FD	RUSSELL MIDCAP	464287499	451	3,545	SH		SOLE		0	0	3,545
SPDR GOLD TRUST GOLD SHARES	GOLD SHS	78463V107	259	1,676	SH		SOLE		0	0	1,676
BERKSHIRE HATHAWAY INC DE CL A	CL A	084670108	1,407	9	SH		SOLE		0	0	9
PRAXAIR INC	COM	74005P104	374	3,353	SH		SOLE		0	0	3,353
KELLOGG COMPANY	COM	487836108	1,003	15,564	SH		SOLE		0	0	15,564
INTERNATIONAL BUSINESS MACHINES CORP	COM	459200101	303	1,420	SH		SOLE		0	0	1,420
DOW CHEMICAL COMPANY	COM	260543103	302	9,475	SH		SOLE		0	0	9,475
PEPSICO INC	COM	713448108	237	2,992	SH		SOLE		0	0	2,992
JOHNSON AND JOHNSON	COM	478160104	291	3,572	SH		SOLE		0	0	3,572
ISHARES RUSSELL MIDCAP VALUE INDEX FD	RUSSELL MCP VL	464287473	560	9,832	SH		SOLE		0	0	9,832
EXXON MOBIL CORP	COM	30231G102	536	5,948	SH		SOLE		0	0	5,948
UNITED PARCEL SERVICE OF AMERICA CL B	CL B	911312106	269	3,135	SH		SOLE		0	0	3,135
VANGUARD BOND INDEX SHORT TERM BD	SHORT TRM BOND	921937827	1,829	22,584	SH		SOLE		0	0	22,584
ISHARES SP SMALLCAP 600 VALUE INDEX	S&P SMLCP VALU	464287879	961	10,682	SH		SOLE		0	0	10,682
ALTRIA GROUP INC	COM	02209S103	509	14,804	SH		SOLE		0	0	14,804
WELLS FARGO AND CO	COM	949746101	207	5,590	SH		SOLE		0	0	5,590
VANGUARD INDEX MID CAP ETF	MID CAP ETF	922908629	692	7,455	SH		SOLE		0	0	7,455
KRAFT FOODS GROUP INC	COM	50076Q106	216	4,193	SH		SOLE		0	0	4,193
PHILLIP MORRIS INTERNATIONAL INC	COM	718172109	1,028	11,084	SH		SOLE		0	0	11,084
ISHARES SP NATIONAL MUNICIPAL BOND FD	S&P NTL AMTFREE	464288414	1,561	14,170	SH		SOLE		0	0	14,170
ISHARES SP 500 INDEX FD	CORE S&P500 ETF	464287200	449	2,851	SH		SOLE		0	0	2,851
MONDELEZ INTERNATIONAL INC	CL A	609207105	256	8,354	SH		SOLE		0	0	8,354
EATON CORP PLC	SHS	G29183103	783	12,790	SH		SOLE		0	0	12,790
KIMBERLY CLARK CORP	COM	494368103	560	5,713	SH		SOLE		0	0	5,713
APPLE INC	COM	037833100	208	471	SH		SOLE		0	0	471
FULL HOUSE RESORTS INC	COM	359678109	28	10,000	SH		SOLE		0	0	10,000
STEELCASE INC CL A	CL A	858155203	826	56,076	SH		SOLE		0	0	56,076