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 Value Index Fd	EAFE VALUE ETF	464288877	10,707	209,805	SH		SOLE		0	0	209,805
iShares Russell 2000 Value Index Fd	RUS 2000 VAL ETF	464287630	25,639	252,159	SH		SOLE		0	0	252,159
Vanguard Index Vanguard Small Cap Value	SM CP VAL ETF	922908611	10,653	100,721	SH		SOLE		0	0	100,721
iShares US Treas Inflation Protected	TIPS BD ETF	464287176	17,573	156,885	SH		SOLE		0	0	156,885
Vanguard Index Total Stock Market Etf	TOTAL STK MKT	922908769	27,478	259,232	SH		SOLE		0	0	259,232
Barclays Bank PLC Ipath Lkd Gldmn Sachs	IPSP CROIL ETN	06738C786	2,817	224,668	SH		SOLE		0	0	224,668
iShares SP Smallcap 600 Index Fd	CORE S&P SCP ETF	464287804	312	2,733	SH		SOLE		0	0	2,733
iShares Russell 3000 Index Fd	RUSSELL 3000 ETF	464287689	2,910	23,790	SH		SOLE		0	0	23,790
Vanguard Index Vanguard Value Etf	VALUE ETF	922908744	2,115	25,035	SH		SOLE		0	0	25,035
iShares GSCI Commodity Indexed Trust	UNIT BEN INT	46428R107	668	30,951	SH		SOLE		0	0	30,951
Spdr Gold Trust Gold Shares	GOLD SHS	78463V107	281	2,476	SH		SOLE		0	0	2,476
Vanguard Bond Index Short Term Bd	SHORT TRM BOND	921937827	1,913	23,926	SH		SOLE		0	0	23,926
Vanguard Index Mid Cap Etf	MID CAP ETF	922908629	921	7,455	SH		SOLE		0	0	7,455
SPDR SP 500 ETF	TR UNIT	78462F103	2,145	10,435	SH		SOLE		0	0	10,435
Retail Properties Amer Inc Cl A	CL A	76131V202	216	12,918	SH		SOLE		0	0	12,918
iShares Dow Jones Select Div Index Fd	SELECT DIVID ETF	464287168	2,559	32,224	SH		SOLE		0	0	32,224
Vanguard Intl Equity Index Total World	TT WRLD ST ETF	922042742	751	12,499	SH		SOLE		0	0	12,499
Parker Hannifin Corp	COM	701094104	294	2,280	SH		SOLE		0	0	2,280
Vanguard Bond Index Total Bd Market	TOTAL BND MRKT	921937835	394	4,784	SH		SOLE		0	0	4,784
Barclays Bank Plc Ipath Index Pfd	IPSPGS TTL ETN	06738C794	496	23,505	SH		SOLE		0	0	23,505
Chevron Corp	COM	166764100	344	3,065	SH		SOLE		0	0	3,065
Pfizer Inc	COM	717081103	1,032	33,117	SH		SOLE		0	0	33,117
Kellogg Company	COM	487836108	1,068	16,326	SH		SOLE		0	0	16,326
Exxon Mobil Corp	COM	30231G102	966	10,447	SH		SOLE		0	0	10,447
Berkshire Hathaway Inc De Cl B	CL B NEW	084670702	3,982	26,523	SH		SOLE		0	0	26,523
Johnson and Johnson	COM	478160104	428	4,092	SH		SOLE		0	0	4,092
iShares SP National Municipal Bond Fd	NAT AMT FREE BD	464288414	2,162	19,595	SH		SOLE		0	0	19,595
iShares Russell Midcap Value Index Fd	RUS MDCP VAL ETF	464287473	597	8,097	SH		SOLE		0	0	8,097
Vanguard Total Intl Stock Idx Fund ETF	VG TL INTL STK F	921909768	206	4,265	SH		SOLE		0	0	4,265
Stryker Corp	COM	863667101	2,648	28,073	SH		SOLE		0	0	28,073
General Electric Company	COM	369604103	315	12,453	SH		SOLE		0	0	12,453
Apple Inc	COM	037833100	750	6,792	SH		SOLE		0	0	6,792
Vanguard Intl Equity Emerging Markets	FTSE EMR MKT ETF	922042858	3,030	75,713	SH		SOLE		0	0	75,713
Steelcase Inc Cl A	CL A	858155203	917	51,076	SH		SOLE		0	0	51,076
Annaly Capital Management Inc	COM	035710409	116	10,703	SH		SOLE		0	0	10,703
iShares Tr 1 3 Yr Treasury Index Fd	1-3 YR TR BD ETF	464287457	3,989	47,236	SH		SOLE		0	0	47,236
W P Carey Inc	COM	92936U109	2,909	41,495	SH		SOLE		0	0	41,495
Wells Fargo and Co	COM	949746101	270	4,927	SH		SOLE		0	0	4,927
Berkshire Hathaway Inc De Cl A	CL A	084670108	2,034	9	SH		SOLE		0	0	9
Altria Group Inc	COM	02209S103	853	17,313	SH		SOLE		0	0	17,313
Mondelez International Inc	CL A	609207105	383	10,555	SH		SOLE		0	0	10,555
Kraft Foods Group Inc	COM	50076Q106	346	5,527	SH		SOLE		0	0	5,527
Vanguard Index Reit Etf	REIT ETF	922908553	1,052	12,992	SH		SOLE		0	0	12,992
Phillip Morris International Inc	COM	718172109	1,011	12,408	SH		SOLE		0	0	12,408
Pepsico Inc	COM	713448108	325	3,433	SH		SOLE		0	0	3,433
iShares MSCI EAFE Index Fund	MSCI EAFE ETF	464287465	1,270	20,879	SH		SOLE		0	0	20,879
Eaton Corp Plc	SHS	G29183103	749	11,022	SH		SOLE		0	0	11,022
Procter and Gamble Company	COM	742718109	1,884	20,682	SH		SOLE		0	0	20,682
Dow Chemical Company	COM	260543103	448	9,817	SH		SOLE		0	0	9,817
Vanguard Special Div Appreciation ETF	DIV APP ETF	921908844	219	2,695	SH		SOLE		0	0	2,695
Vanguard Short Term Infltn Prot ETF	STRM INFPROIDX	922020805	327	6,787	SH		SOLE		0	0	6,787
International Business Machines Corp	COM	459200101	228	1,420	SH		SOLE		0	0	1,420
General Mills Inc	COM	370334104	450	8,447	SH		SOLE		0	0	8,447
Kimberly Clark Corp	COM	494368103	773	6,691	SH		SOLE		0	0	6,691
iShares SP Smallcap 600 Value Index	SP SMCP600VL ETF	464287879	1,292	10,954	SH		SOLE		0	0	10,954
iShares SP 500 Index Fd	CORE S&P500 ETF	464287200	676	3,269	SH		SOLE		0	0	3,269
iShares Russell Midcap Index Fd	RUS MID CAP ETF	464287499	596	3,568	SH		SOLE		0	0	3,568
American Express Company	COM	025816109	274	2,940	SH		SOLE		0	0	2,940
iShares Russell 3000 Value Index Fd	CORE US VAL ETF	464287663	258	1,889	SH		SOLE		0	0	1,889
iShares SP Midcap Value 400 Index Fd	S&P MC 400VL ETF	464287705	242	1,897	SH		SOLE		0	0	1,897
United Parcel Service of America Cl B	CL B	911312106	349	3,135	SH		SOLE		0	0	3,135
Full House Resorts Inc	COM	359678109	224	160,000	SH		SOLE		0	0	160,000
Caterpillar Inc	COM	149123101	346	3,781	SH		SOLE		0	0	3,781
Praxair Inc	COM	74005P104	350	2,703	SH		SOLE		0	0	2,703
Polymet Mining Corp	COM	731916102	12	11,500	SH		SOLE		0	0	11,500
SPDR Dow Jones Indl Average Etf Ser 1	UT SER 1	78467X109	200	1,123	SH		SOLE		0	0	1,123