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

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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
3M COMPANY	COM	88579Y101	233	1,333	SH		SOLE		0	0	1,333
ALIGN TECHNOLOGY	COM	016255101	343	641	SH		SOLE		0	0	641
ALPHABET INC	CAP STK CL C	02079K107	557	318	SH		SOLE		0	0	318
ALPHABET INC	CAP STK CL A	02079K305	833	477	SH		SOLE		0	0	477
ALTRIA GROUP	COM	02209S103	749	18,265	SH		SOLE		0	0	18,265
AMAZON COM	COM	023135106	5,144	1,588	SH		SOLE		0	0	1,588
AMGEN INC	COM	031162100	243	1,056	SH		SOLE		0	0	1,056
ANNALY CAPITAL	COM	035710409	190	22,519	SH		SOLE		0	0	22,519
APPLE INC	COM	037833100	7,685	58,078	SH		SOLE		0	0	58,078
AT&T INC	COM	00206R102	431	14,997	SH		SOLE		0	0	14,997
BERKSHIRE HATHAWAY	CL A	084670108	696	2	SH		SOLE		0	0	2
BERKSHIRE HATHAWAY	CL B NEW	084670702	5,468	23,564	SH		SOLE		0	0	23,564
BRISTOL MYERS	COM	110122108	205	3,310	SH		SOLE		0	0	3,310
CATERPILLAR INC	COM	149123101	448	2,461	SH		SOLE		0	0	2,461
CHEVRON CORP	COM	166764100	220	2,604	SH		SOLE		0	0	2,604
DANAHER CORP	COM	235851102	387	1,743	SH		SOLE		0	0	1,743
DOW INC	COM	260557103	252	4,536	SH		SOLE		0	0	4,536
DUPONT DE	COM	26614N102	321	4,518	SH		SOLE		0	0	4,518
EATON CORP	SHS	G29183103	510	4,244	SH		SOLE		0	0	4,244
EXXON MOBIL	COM	30231G102	386	9,354	SH		SOLE		0	0	9,354
FACEBOOK INC	CL A	30303M102	501	1,943	SH		SOLE		0	0	1,943
FORD MOTOR	COM	345370860	202	22,952	SH		SOLE		0	0	22,952
GENERAL MILLS	COM	370334104	335	5,703	SH		SOLE		0	0	5,703
GENTEX CORP	COM	371901109	291	8,568	SH		SOLE		0	0	8,568
HERSHEY COMPANY	COM	427866108	319	2,094	SH		SOLE		0	0	2,094
HOME DEPOT	COM	437076102	598	2,253	SH		SOLE		0	0	2,253
INTEL CORP	COM	458140100	324	6,512	SH		SOLE		0	0	6,512
INTL BUSINESS	COM	459200101	424	3,372	SH		SOLE		0	0	3,372
ISHARES 1-3YR	1 3 YR TREAS BD	464287457	2,936	33,987	SH		SOLE		0	0	33,987
ISHARES CORE	CORE S&P MCP ETF	464287507	546	2,377	SH		SOLE		0	0	2,377
ISHARES CORE	CORE S&P SCP ETF	464287804	744	8,097	SH		SOLE		0	0	8,097
ISHARES CORE	CORE S&P TTL STK	464287150	17,242	199,476	SH		SOLE		0	0	199,476
ISHARES CORE	CORE S&P500 ETF	464287200	2,225	5,927	SH		SOLE		0	0	5,927
ISHARES GOLD	ISHARES	464285105	29,667	1,642,855	SH		SOLE		0	0	1,642,855
ISHARES MSCI	MSCI EAFE ETF	464287465	728	9,973	SH		SOLE		0	0	9,973
ISHARES MSCI	EAFE VALUE ETF	464288877	5,163	109,020	SH		SOLE		0	0	109,020
ISHARES NATIONAL	NATIONAL MUN	464288414	1,501	12,806	SH		SOLE		0	0	12,806
ISHARES RUSS	RUS MDCP VAL ETF	464287473	606	6,250	SH		SOLE		0	0	6,250
ISHARES RUSSELL	RUS 1000 ETF	464287622	1,237	5,838	SH		SOLE		0	0	5,838
ISHARES RUSSELL	RUS 2000 VAL ETF	464287630	21,814	165,195	SH		SOLE		0	0	165,195
ISHARES RUSSELL	RUS MID CAP ETF	464287499	334	4,879	SH		SOLE		0	0	4,879
ISHARES RUSSELL	RUSSELL 3000 ETF	464287689	2,022	9,043	SH		SOLE		0	0	9,043
ISHARES S&P	S&P MC 400VL ETF	464287705	241	2,790	SH		SOLE		0	0	2,790
ISHARES S&P	SP SMCP600VL ETF	464287879	1,137	13,985	SH		SOLE		0	0	13,985
ISHARES S&P	S&P 500 VAL ETF	464287408	576	4,449	SH		SOLE		0	0	4,449
ISHARES S&P	S&P 500 GRWT ETF	464287309	252	3,944	SH		SOLE		0	0	3,944
ISHARES SELECT	SELECT DIVID ETF	464287168	1,820	18,926	SH		SOLE		0	0	18,926
ISHARES TIPS	TIPS BD ETF	464287176	11,285	88,410	SH		SOLE		0	0	88,410
JOHNSON & JOHNSON	COM	478160104	635	4,036	SH		SOLE		0	0	4,036
KELLOGG CO	COM	487836108	833	13,381	SH		SOLE		0	0	13,381
KIMBERLY CLARK	COM	494368103	555	4,118	SH		SOLE		0	0	4,118
LCI INDS	COM	50189K103	885	6,822	SH		SOLE		0	0	6,822
LEVEL ONE	COM	52730D208	374	18,500	SH		SOLE		0	0	18,500
LINDE PLC	COM	G5494J103	633	2,403	SH		SOLE		0	0	2,403
MCDONALDS CORP	COM	580135101	267	1,244	SH		SOLE		0	0	1,244
MERCK & COMPANY	COM	58933Y105	293	3,587	SH		SOLE		0	0	3,587
MICROSOFT CORP	COM	594918104	2,315	10,474	SH		SOLE		0	0	10,474
MONDELEZ INTERNATIONAL	CL A	609207105	705	12,051	SH		SOLE		0	0	12,051
NETFLIX INC	COM	64110L106	675	1,249	SH		SOLE		0	0	1,249
NORFOLK SOUTHERN	COM	655844108	200	843	SH		SOLE		0	0	843
PARKER-HANNIFIN CORP	COM	701094104	297	1,089	SH		SOLE		0	0	1,089
PEPSICO INC	COM	713448108	692	4,664	SH		SOLE		0	0	4,664
PFIZER INC	COM	717081103	1,108	30,115	SH		SOLE		0	0	30,115
PHILIP MORRIS	COM	718172109	1,357	16,386	SH		SOLE		0	0	16,386
PROCTER & GAMBLE	COM	742718109	2,068	14,863	SH		SOLE		0	0	14,863
QUEST DIAGNOSTICS	COM	74834L100	470	3,943	SH		SOLE		0	0	3,943
R1 RCM	COM	749397105	286	11,900	SH		SOLE		0	0	11,900
SCHWAB AGGREGATE	US AGGREGATE B	808524839	696	12,425	SH		SOLE		0	0	12,425
SCHWAB INTL	INTL EQTY ETF	808524805	338	9,373	SH		SOLE		0	0	9,373
SCHWAB US	US BRD MKT ETF	808524102	3,278	35,824	SH		SOLE		0	0	35,824
SCHWAB US	US TIPS ETF	808524870	559	9,007	SH		SOLE		0	0	9,007
SHYFT GROUP	COM	825698103	1,430	50,377	SH		SOLE		0	0	50,377
SMILEDIRECTCLUB INC	CL A COM	83192H106	318	26,600	SH		SOLE		0	0	26,600
SPDR DOW	UT SER 1	78467X109	343	1,123	SH		SOLE		0	0	1,123
SPDR GOLD	GOLD SHS	78463V107	359	2,010	SH		SOLE		0	0	2,010
SPDR S&P	TR UNIT	78462F103	4,428	11,835	SH		SOLE		0	0	11,835
STARBUCKS CORP	COM	855244109	300	2,804	SH		SOLE		0	0	2,804
STATE STREET	COM	857477103	479	6,575	SH		SOLE		0	0	6,575
STEELCASE INC	CL A	858155203	400	29,531	SH		SOLE		0	0	29,531
STRYKER CORP	COM	863667101	15,718	64,244	SH		SOLE		0	0	64,244
TESLA INC	COM	88160R101	658	933	SH		SOLE		0	0	933
VANGUARD DIVIDEND	DIV APP ETF	921908844	1,414	10,018	SH		SOLE		0	0	10,018
VANGUARD EXTENDED	EXTEND MKT ETF	922908652	290	1,680	SH		SOLE		0	0	1,680
VANGUARD FSTE	FTSE EMR MKT ETF	922042858	5,997	119,301	SH		SOLE		0	0	119,301
VANGUARD FTSE	FTSE DEV MKT ETF	921943858	1,220	25,725	SH		SOLE		0	0	25,725
VANGUARD FTSE	FTSE SMCAP ETF	922042718	797	6,522	SH		SOLE		0	0	6,522
VANGUARD GROWTH	GROWTH ETF	922908736	556	2,196	SH		SOLE		0	0	2,196
VANGUARD HEALTH	HEALTH CAR ETF	92204A504	248	1,110	SH		SOLE		0	0	1,110
VANGUARD HIGH	HIGH DIV YLD	921946406	522	5,594	SH		SOLE		0	0	5,594
VANGUARD INFORMATION	INF TECH ETF	92204A702	839	2,371	SH		SOLE		0	0	2,371
VANGUARD MID	MID CAP ETF	922908629	965	4,669	SH		SOLE		0	0	4,669
VANGUARD MID	MCAP VL IDXVIP	922908512	382	3,207	SH		SOLE		0	0	3,207
VANGUARD REAL	REAL ESTATE ETF	922908553	2,071	24,386	SH		SOLE		0	0	24,386
VANGUARD S&P	S&P 500 ETF SHS	922908363	10,241	29,775	SH		SOLE		0	0	29,775
VANGUARD S&P	500 GRTH IDX F	921932505	213	926	SH		SOLE		0	0	926
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	250	2,705	SH		SOLE		0	0	2,705
VANGUARD SHORT	SHORT TRM BOND	921937827	894	10,800	SH		SOLE		0	0	10,800
VANGUARD SHORT	SHRT TRM CORP BD	92206C409	214	2,574	SH		SOLE		0	0	2,574
VANGUARD SHORT	SHORT TERM TREAS	92206C102	270	4,394	SH		SOLE		0	0	4,394
VANGUARD SMALL	SM CP VAL ETF	922908611	36,413	254,949	SH		SOLE		0	0	254,949
VANGUARD TOTAL	TOTAL BND MRKT	921937835	2,876	32,775	SH		SOLE		0	0	32,775
VANGUARD TOTAL	INTL BD IDX ETF	92203J407	221	3,774	SH		SOLE		0	0	3,774
VANGUARD TOTAL	TT WRLD ST ETF	922042742	10,595	114,264	SH		SOLE		0	0	114,264
VANGUARD TOTAL	TOTAL STK MKT	922908769	64,292	330,023	SH		SOLE		0	0	330,023
VANGUARD TOTAL	VG TL INTL STK F	921909768	3,071	50,634	SH		SOLE		0	0	50,634
VANGUARD VALUE	VALUE ETF	922908744	3,252	27,276	SH		SOLE		0	0	27,276
VISA INC	COM CL A	92826C839	582	2,661	SH		SOLE		0	0	2,661
WALMART INC	COM	931142103	265	1,841	SH		SOLE		0	0	1,841
WALT DISNEY	COM DISNEY	254687106	240	1,324	SH		SOLE		0	0	1,324
ZOETIS INC	CL A	98978V103	1,082	6,618	SH		SOLE		0	0	6,618