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 Index Vanguard Small Cap Value	SM CP VAL ETF	922908611	9,583	95,228	SH		SOLE		0	0	95,228
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	24,291	240,880	SH		SOLE		0	0	240,880
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	14,896	132,885	SH		SOLE		0	0	132,885
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,134	29,100	SH		SOLE		0	0	29,100
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	747	22,304	SH		SOLE		0	0	22,304
Vanguard Index Total Stock Market Etf	TOTAL STK MKT	922908769	24,206	248,352	SH		SOLE		0	0	248,352
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	2,780	68,510	SH		SOLE		0	0	68,510
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	1,961	25,109	SH		SOLE		0	0	25,109
Stryker Corp	COM	863667101	2,273	27,898	SH		SOLE		0	0	27,898
iShares MSCI EAFE Value Index Fd	EAFE VALUE ETF	464288877	11,883	206,381	SH		SOLE		0	0	206,381
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	4,490	187,228	SH		SOLE		0	0	187,228
Apple Inc	COM	037833100	305	569	SH		SOLE		0	0	569
General Electric Company	COM	369604103	267	10,325	SH		SOLE		0	0	10,325
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	4,002	47,386	SH		SOLE		0	0	47,386
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,025	24,206	SH		SOLE		0	0	24,206
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	282	2,280	SH		SOLE		0	0	2,280
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,792	22,371	SH		SOLE		0	0	22,371
iShares SP National Municipal Bond Fd	NAT AMT FREE BD	464288414	2,334	21,805	SH		SOLE		0	0	21,805
International Business Machines Corp	COM	459200101	273	1,420	SH		SOLE		0	0	1,420
Kimberly Clark Corp	COM	494368103	689	6,251	SH		SOLE		0	0	6,251
Pfizer Inc	COM	717081103	1,001	31,177	SH		SOLE		0	0	31,177
Vanguard Index Reit Etf	REIT ETF	922908553	830	11,755	SH		SOLE		0	0	11,755
iShares MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,439	21,416	SH		SOLE		0	0	21,416
W P Carey Inc	COM	92936U109	2,359	39,269	SH		SOLE		0	0	39,269
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,495	22,220	SH		SOLE		0	0	22,220
Procter and Gamble Company	COM	742718109	1,605	19,909	SH		SOLE		0	0	19,909
Phillip Morris International Inc	COM	718172109	784	9,579	SH		SOLE		0	0	9,579
Altria Group Inc	COM	02209S103	590	15,758	SH		SOLE		0	0	15,758
iShares Russell Midcap Index Fd	RUS MID CAP ETF	464287499	551	3,560	SH		SOLE		0	0	3,560
Exxon Mobil Corp	COM	30231G102	576	5,893	SH		SOLE		0	0	5,893
SPDR SP 500 ETF	TR UNIT	78462F103	1,851	9,899	SH		SOLE		0	0	9,899
Kellogg Company	COM	487836108	992	15,823	SH		SOLE		0	0	15,823
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	1,020	30,951	SH		SOLE		0	0	30,951
Wells Fargo and Co	COM	949746101	228	4,590	SH		SOLE		0	0	4,590
Mondelez International Inc	CL A	609207105	297	8,587	SH		SOLE		0	0	8,587
Kraft Foods Group Inc	COM	50076Q106	265	4,725	SH		SOLE		0	0	4,725
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	1,215	10,705	SH		SOLE		0	0	10,705
Berkshire Hathaway Inc De Cl A	CL A	084670108	1,686	9	SH		SOLE		0	0	9
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	847	7,455	SH		SOLE		0	0	7,455
Johnson and Johnson	COM	478160104	377	3,836	SH		SOLE		0	0	3,836
Retail Properties Amer Inc Cl A	CL A	76131V202	239	17,680	SH		SOLE		0	0	17,680
Pepsico Inc	COM	713448108	280	3,351	SH		SOLE		0	0	3,351
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	234	2,884	SH		SOLE		0	0	2,884
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	301	2,733	SH		SOLE		0	0	2,733
General Mills Inc	COM	370334104	445	8,580	SH		SOLE		0	0	8,580
United Parcel Service of America Cl B	CL B	911312106	305	3,135	SH		SOLE		0	0	3,135
Full House Resorts Inc	COM	359678109	347	160,000	SH		SOLE		0	0	160,000
Vanguard Intl Equity Index Total World	TT WRLD ST ETF	922042742	218	3,661	SH		SOLE		0	0	3,661
Dow Chemical Company	COM	260543103	465	9,575	SH		SOLE		0	0	9,575
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	660	9,597	SH		SOLE		0	0	9,597
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	536	2,851	SH		SOLE		0	0	2,851
Eaton Corp Plc	SHS	G29183103	784	10,434	SH		SOLE		0	0	10,434
Praxair Inc	COM	74005P104	341	2,603	SH		SOLE		0	0	2,603
Steelcase Inc Cl A	CL A	858155203	882	53,076	SH		SOLE		0	0	53,076