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
3M COMPANY	COM	88579Y101	257	1,333	SH		SOLE		0	0	1,333
ALIGN TECHNOLOGY	COM	016255101	347	641	SH		SOLE		0	0	641
ALPHABET INC	CAP STK CL C	02079K107	726	351	SH		SOLE		0	0	351
ALPHABET INC	CAP STK CL A	02079K305	1,224	579	SH		SOLE		0	0	579
ALTRIA GROUP	COM	02209S103	934	18,265	SH		SOLE		0	0	18,265
AMAZON COM	COM	023135106	5,619	1,795	SH		SOLE		0	0	1,795
AMGEN INC	COM	031162100	263	1,056	SH		SOLE		0	0	1,056
ANNALY CAPITAL	COM	035710409	188	21,907	SH		SOLE		0	0	21,907
APPLE INC	COM	037833100	7,648	62,125	SH		SOLE		0	0	62,125
APPLIED MATERIALS	COM	038222105	213	1,597	SH		SOLE		0	0	1,597
AT&T INC	COM	00206R102	438	14,486	SH		SOLE		0	0	14,486
BERKSHIRE HATHAWAY	CL A	084670108	771	2	SH		SOLE		0	0	2
BERKSHIRE HATHAWAY	CL B NEW	084670702	5,905	22,985	SH		SOLE		0	0	22,985
BLACKROCK ULTRA	BLACKROCK ULTRA	46434V878	1,253	24,814	SH		SOLE		0	0	24,814
BNY MELLON	US LRG CP CORE	09661T107	3,028	40,455	SH		SOLE		0	0	40,455
BRISTOL MYERS	COM	110122108	209	3,310	SH		SOLE		0	0	3,310
CATERPILLAR INC	COM	149123101	571	2,461	SH		SOLE		0	0	2,461
CHEVRON CORP	COM	166764100	290	2,768	SH		SOLE		0	0	2,768
CISCO SYSTEMS	COM	17275R102	224	4,326	SH		SOLE		0	0	4,326
CORTEVA INC	COM	22052L104	211	4,516	SH		SOLE		0	0	4,516
CUMMINS INC	COM	231021106	232	895	SH		SOLE		0	0	895
DANAHER CORP	COM	235851102	403	1,790	SH		SOLE		0	0	1,790
DOW INC	COM	260557103	290	4,536	SH		SOLE		0	0	4,536
DUPONT DE	COM	26614N102	227	2,932	SH		SOLE		0	0	2,932
EATON CORP	SHS	G29183103	587	4,244	SH		SOLE		0	0	4,244
EXXON MOBIL	COM	30231G102	441	7,900	SH		SOLE		0	0	7,900
FACEBOOK INC	CL A	30303M102	591	1,970	SH		SOLE		0	0	1,970
FORD MOTOR	COM	345370860	305	24,922	SH		SOLE		0	0	24,922
GENERAL MILLS	COM	370334104	350	5,703	SH		SOLE		0	0	5,703
GENTEX CORP	COM	371901109	306	8,568	SH		SOLE		0	0	8,568
HERSHEY COMPANY	COM	427866108	254	1,607	SH		SOLE		0	0	1,607
HOME DEPOT	COM	437076102	654	2,142	SH		SOLE		0	0	2,142
INTEL CORP	COM	458140100	504	7,878	SH		SOLE		0	0	7,878
INTL BUSINESS	COM	459200101	352	2,645	SH		SOLE		0	0	2,645
ISHARES 1-3YR	1 3 YR TREAS BD	464287457	2,854	33,093	SH		SOLE		0	0	33,093
ISHARES CORE	CORE US AGGBD ET	464287226	2,229	19,584	SH		SOLE		0	0	19,584
ISHARES CORE	CORE S&P MCP ETF	464287507	619	2,377	SH		SOLE		0	0	2,377
ISHARES CORE	CORE S&P SCP ETF	464287804	869	8,005	SH		SOLE		0	0	8,005
ISHARES CORE	CORE S&P TTL STK	464287150	20,665	224,352	SH		SOLE		0	0	224,352
ISHARES CORE	CORE S&P500 ETF	464287200	2,358	5,927	SH		SOLE		0	0	5,927
ISHARES CORE	CORE TOTAL USD	46434V613	306	5,795	SH		SOLE		0	0	5,795
ISHARES CORE	CORE MSCI TOTAL	46432F834	673	9,574	SH		SOLE		0	0	9,574
ISHARES GOLD	ISHARES	464285105	29,870	1,829,662	SH		SOLE		0	0	1,829,662
ISHARES MSCI	MSCI EAFE ETF	464287465	757	9,973	SH		SOLE		0	0	9,973
ISHARES MSCI	EAFE VALUE ETF	464288877	5,056	99,049	SH		SOLE		0	0	99,049
ISHARES NATIONAL	NATIONAL MUN	464288414	2,948	25,404	SH		SOLE		0	0	25,404
ISHARES RUSS	RUS MDCP VAL ETF	464287473	485	4,433	SH		SOLE		0	0	4,433
ISHARES RUSSELL	RUS 1000 ETF	464287622	1,513	6,725	SH		SOLE		0	0	6,725
ISHARES RUSSELL	RUS 2000 VAL ETF	464287630	24,122	151,339	SH		SOLE		0	0	151,339
ISHARES RUSSELL	RUS MID CAP ETF	464287499	361	4,884	SH		SOLE		0	0	4,884
ISHARES RUSSELL	RUSSELL 3000 ETF	464287689	2,480	10,456	SH		SOLE		0	0	10,456
ISHARES S&P	S&P MC 400VL ETF	464287705	284	2,790	SH		SOLE		0	0	2,790
ISHARES S&P	SP SMCP600VL ETF	464287879	1,476	14,654	SH		SOLE		0	0	14,654
ISHARES S&P	S&P 500 VAL ETF	464287408	634	4,449	SH		SOLE		0	0	4,449
ISHARES S&P	S&P 500 GRWT ETF	464287309	257	3,944	SH		SOLE		0	0	3,944
ISHARES SELECT	SELECT DIVID ETF	464287168	2,197	19,256	SH		SOLE		0	0	19,256
ISHARES TIPS	TIPS BD ETF	464287176	11,157	88,884	SH		SOLE		0	0	88,884
JOHNSON & JOHNSON	COM	478160104	841	5,116	SH		SOLE		0	0	5,116
KELLOGG CO	COM	487836108	864	13,653	SH		SOLE		0	0	13,653
KIMBERLY CLARK	COM	494368103	573	4,118	SH		SOLE		0	0	4,118
LCI INDS	COM	50189K103	902	6,822	SH		SOLE		0	0	6,822
LEVEL ONE	COM	52730D208	477	18,500	SH		SOLE		0	0	18,500
LINDE PLC	COM	G5494J103	673	2,403	SH		SOLE		0	0	2,403
LOWES COMPANIES	COM	548661107	216	1,135	SH		SOLE		0	0	1,135
MCDONALDS CORP	COM	580135101	279	1,244	SH		SOLE		0	0	1,244
MERCK & COMPANY	COM	58933Y105	319	4,136	SH		SOLE		0	0	4,136
MICROSOFT CORP	COM	594918104	2,647	11,067	SH		SOLE		0	0	11,067
MONDELEZ INTERNATIONAL	CL A	609207105	705	12,051	SH		SOLE		0	0	12,051
NETFLIX INC	COM	64110L106	652	1,249	SH		SOLE		0	0	1,249
NORFOLK SOUTHERN	COM	655844108	241	898	SH		SOLE		0	0	898
PARKER-HANNIFIN CORP	COM	701094104	203	644	SH		SOLE		0	0	644
PEPSICO INC	COM	713448108	775	5,481	SH		SOLE		0	0	5,481
PFIZER INC	COM	717081103	1,236	33,483	SH		SOLE		0	0	33,483
PHILIP MORRIS	COM	718172109	1,248	14,069	SH		SOLE		0	0	14,069
PROCTER & GAMBLE	COM	742718109	2,017	14,897	SH		SOLE		0	0	14,897
QUEST DIAGNOSTICS	COM	74834L100	506	3,943	SH		SOLE		0	0	3,943
R1 RCM	COM	749397105	294	11,900	SH		SOLE		0	0	11,900
SCHWAB AGGREGATE	US AGGREGATE B	808524839	735	13,622	SH		SOLE		0	0	13,622
SCHWAB INTL	INTL EQTY ETF	808524805	505	13,413	SH		SOLE		0	0	13,413
SCHWAB US	US BRD MKT ETF	808524102	3,618	36,844	SH		SOLE		0	0	36,844
SCHWAB US	US TIPS ETF	808524870	1,030	16,809	SH		SOLE		0	0	16,809
SCHWAB US	US LRG CAP ETF	808524201	272	2,836	SH		SOLE		0	0	2,836
SHYFT GROUP	COM	825698103	1,539	41,378	SH		SOLE		0	0	41,378
SMILEDIRECTCLUB INC	CL A COM	83192H106	274	26,600	SH		SOLE		0	0	26,600
SPDR DOW	UT SER 1	78467X109	371	1,123	SH		SOLE		0	0	1,123
SPDR GOLD	GOLD SHS	78463V107	322	2,010	SH		SOLE		0	0	2,010
SPDR S&P	TR UNIT	78462F103	4,723	11,851	SH		SOLE		0	0	11,851
STARBUCKS CORP	COM	855244109	419	3,834	SH		SOLE		0	0	3,834
STATE STREET	COM	857477103	255	3,041	SH		SOLE		0	0	3,041
STEELCASE INC	CL A	858155203	425	29,531	SH		SOLE		0	0	29,531
STRYKER CORP	COM	863667101	14,665	59,840	SH		SOLE		0	0	59,840
TESLA INC	COM	88160R101	416	623	SH		SOLE		0	0	623
TEVA PHARMACEUTICAL	SPONSORED ADS	881624209	156	13,500	SH		SOLE		0	0	13,500
U S BANCORP DE	COM NEW	902973304	245	4,426	SH		SOLE		0	0	4,426
VANGUARD DIVIDEND	DIV APP ETF	921908844	1,576	10,628	SH		SOLE		0	0	10,628
VANGUARD EXTENDED	EXTEND MKT ETF	922908652	325	1,816	SH		SOLE		0	0	1,816
VANGUARD FSTE	FTSE EMR MKT ETF	922042858	7,028	134,986	SH		SOLE		0	0	134,986
VANGUARD FTSE	FTSE DEV MKT ETF	921943858	1,303	26,389	SH		SOLE		0	0	26,389
VANGUARD FTSE	FTSE SMCAP ETF	922042718	847	6,522	SH		SOLE		0	0	6,522
VANGUARD GROWTH	GROWTH ETF	922908736	619	2,410	SH		SOLE		0	0	2,410
VANGUARD HEALTH	HEALTH CAR ETF	92204A504	295	1,290	SH		SOLE		0	0	1,290
VANGUARD HIGH	HIGH DIV YLD	921946406	534	5,217	SH		SOLE		0	0	5,217
VANGUARD INFORMATION	INF TECH ETF	92204A702	936	2,611	SH		SOLE		0	0	2,611
VANGUARD LARGE	LARGE CAP ETF	922908637	395	2,134	SH		SOLE		0	0	2,134
VANGUARD MID	MID CAP ETF	922908629	1,033	4,669	SH		SOLE		0	0	4,669
VANGUARD MID	MCAP VL IDXVIP	922908512	350	2,592	SH		SOLE		0	0	2,592
VANGUARD MUNICIPAL	TAX EXEMPT BD	922907746	2,458	44,994	SH		SOLE		0	0	44,994
VANGUARD REAL	REAL ESTATE ETF	922908553	2,165	23,409	SH		SOLE		0	0	23,409
VANGUARD RUSSELL	VNG RUS1000VAL	92206C714	1,174	8,834	SH		SOLE		0	0	8,834
VANGUARD RUSSELL	VNG RUS2000VAL	92206C649	535	3,827	SH		SOLE		0	0	3,827
VANGUARD S&P	S&P 500 ETF SHS	922908363	12,813	34,983	SH		SOLE		0	0	34,983
VANGUARD S&P	500 GRTH IDX F	921932505	218	926	SH		SOLE		0	0	926
VANGUARD SCOTTSDALE FDS	LONG TERM TREAS	92206C847	230	2,705	SH		SOLE		0	0	2,705
VANGUARD SHORT	SHORT TRM BOND	921937827	928	11,284	SH		SOLE		0	0	11,284
VANGUARD SHORT	SHORT TERM TREAS	92206C102	270	4,394	SH		SOLE		0	0	4,394
VANGUARD SHORT	STRM INFPROIDX	922020805	297	5,756	SH		SOLE		0	0	5,756
VANGUARD SMALL	SM CP VAL ETF	922908611	41,367	249,688	SH		SOLE		0	0	249,688
VANGUARD TOTAL	TOTAL BND MRKT	921937835	2,792	32,832	SH		SOLE		0	0	32,832
VANGUARD TOTAL	INTL BD IDX ETF	92203J407	211	3,687	SH		SOLE		0	0	3,687
VANGUARD TOTAL	TT WRLD ST ETF	922042742	11,243	115,282	SH		SOLE		0	0	115,282
VANGUARD TOTAL	TOTAL STK MKT	922908769	71,372	344,482	SH		SOLE		0	0	344,482
VANGUARD TOTAL	VG TL INTL STK F	921909768	4,902	77,861	SH		SOLE		0	0	77,861
VANGUARD VALUE	VALUE ETF	922908744	3,590	27,260	SH		SOLE		0	0	27,260
VISA INC	COM CL A	92826C839	563	2,661	SH		SOLE		0	0	2,661
WALMART INC	COM	931142103	262	1,929	SH		SOLE		0	0	1,929
WALT DISNEY	COM DISNEY	254687106	314	1,703	SH		SOLE		0	0	1,703
WORLD GOLD	SPDR GLD MINIS	98149E204	3,077	179,673	SH		SOLE		0	0	179,673
ZOETIS INC	CL A	98978V103	1,135	6,966	SH		SOLE		0	0	6,966