# EDGAR Filing Document

**Accession Number:** 0001776290
**File Stem:** 0001776290-23-000001
**Filing Date:** 2023-1
**Character Count:** 24461
**Document Hash:** 72b18082fadb59f4a09a7c0f3bc96cb5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001776290-23-000001.hdr.sgml**: 20230117

**ACCESSION NUMBER**: 0001776290-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230117

**DATE AS OF CHANGE**: 20230117

**EFFECTIVENESS DATE**: 20230117

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Zhang Financial LLC
- **CENTRAL INDEX KEY:** 0001776290
- **IRS NUMBER:** 800370431
- **STATE OF INCORPORATION:** MI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19517
- **FILM NUMBER:** 23531299

**BUSINESS ADDRESS:**
- **STREET 1:** 5931 OAKLAND DR.
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024
- **BUSINESS PHONE:** 269-385-5705

**MAIL ADDRESS:**
- **STREET 1:** 5931 OAKLAND DR.
- **CITY:** PORTAGE
- **STATE:** MI
- **ZIP:** 49024

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Zhang Financial LLC<br>**Address:** 5931 OAKLAND DR.<br>PORTAGE, MI 49024

**Form 13F File Number:** 028-19517

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Lynn L. Chen-Zhang<br>**Title:** Chief Compliance Officer<br>**Phone:** 269.385.5888

**Signature, Place, and Date of Signing:**

Lynn L. Chen-Zhang  Portage, MI  01-17-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 227

**Form 13F Information Table Value Total:** $784161

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M COMPANY | COM | 88579Y101 |  | 566 | 4717 | SH |  | SOLE |  | 0 | 0 | 4717 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 237 | 2157 | SH |  | SOLE |  | 0 | 0 | 2157 |
| ABBVIE INC | COM | 00287Y109 |  | 1140 | 7051 | SH |  | SOLE |  | 0 | 0 | 7051 |
| ADOBE INC | COM | 00724F101 |  | 355 | 1055 | SH |  | SOLE |  | 0 | 0 | 1055 |
| ALLSTATE CORP | COM | 020002101 |  | 218 | 1605 | SH |  | SOLE |  | 0 | 0 | 1605 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 640 | 7218 | SH |  | SOLE |  | 0 | 0 | 7218 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 2564 | 29062 | SH |  | SOLE |  | 0 | 0 | 29062 |
| ALTRIA GROUP | COM | 02209S103 |  | 879 | 19224 | SH |  | SOLE |  | 0 | 0 | 19224 |
| AMAZON COM | COM | 023135106 |  | 3431 | 40841 | SH |  | SOLE |  | 0 | 0 | 40841 |
| AMERICAN EXPRESS | COM | 025816109 |  | 374 | 2534 | SH |  | SOLE |  | 0 | 0 | 2534 |
| AMGEN INC | COM | 031162100 |  | 3178 | 12102 | SH |  | SOLE |  | 0 | 0 | 12102 |
| APOGEE ENTERPRISES | COM | 037598109 |  | 400 | 9000 | SH |  | SOLE |  | 0 | 0 | 9000 |
| APOLLO GLOBAL | COM | 03769M106 |  | 889 | 13942 | SH |  | SOLE |  | 0 | 0 | 13942 |
| APPLE INC | COM | 037833100 |  | 23000 | 177014 | SH |  | SOLE |  | 0 | 0 | 177014 |
| APPLIED INDUSTRIAL TECH | COM | 03820C105 |  | 3566 | 28293 | SH |  | SOLE |  | 0 | 0 | 28293 |
| ARK INNOVATION | INNOVATION ETF | 00214Q104 |  | 406 | 13010 | SH |  | SOLE |  | 0 | 0 | 13010 |
| AT INC | COM | 00206R102 |  | 286 | 15540 | SH |  | SOLE |  | 0 | 0 | 15540 |
| AUTODESK INC | COM | 052769106 |  | 364 | 1950 | SH |  | SOLE |  | 0 | 0 | 1950 |
| BALCHEM CORP | COM | 057665200 |  | 611 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| BERKSHIRE HATHAWAY | CL A | 084670108 |  | 1406 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| BERKSHIRE HATHAWAY | CL B | 084670702 |  | 7596 | 24589 | SH |  | SOLE |  | 0 | 0 | 24589 |
| BIOGEN INC | COM | 09062X103 |  | 305 | 1101 | SH |  | SOLE |  | 0 | 0 | 1101 |
| BLACKROCK INC | COM | 09247X101 |  | 539 | 761 | SH |  | SOLE |  | 0 | 0 | 761 |
| BLACKROCK ULTRA | BLACKROCK ULTRA | 46434V878 |  | 12606 | 251922 | SH |  | SOLE |  | 0 | 0 | 251922 |
| BLACKSTONE INC | COM | 09260D107 |  | 897 | 12095 | SH |  | SOLE |  | 0 | 0 | 12095 |
| BNY MELLON | US LRG CP CORE | 09661T107 |  | 20270 | 289178 | SH |  | SOLE |  | 0 | 0 | 289178 |
| BNY MELLON | US MDCP CORE EQT | 09661T206 |  | 1273 | 16250 | SH |  | SOLE |  | 0 | 0 | 16250 |
| BNY MELLON | INTERNATIONL EQT | 09661T404 |  | 2950 | 47353 | SH |  | SOLE |  | 0 | 0 | 47353 |
| BNY MELLON | EMRG MKT EQUIT | 09661T503 |  | 728 | 13659 | SH |  | SOLE |  | 0 | 0 | 13659 |
| BNY MELLON | CORE BOND ETF | 09661T602 |  | 4803 | 115460 | SH |  | SOLE |  | 0 | 0 | 115460 |
| BOEING COMPANY | COM | 097023105 |  | 246 | 1291 | SH |  | SOLE |  | 0 | 0 | 1291 |
| BOOKING HOLDINGS | COM | 09857L108 |  | 437 | 217 | SH |  | SOLE |  | 0 | 0 | 217 |
| BRISTOL MYERS | COM | 110122108 |  | 818 | 11369 | SH |  | SOLE |  | 0 | 0 | 11369 |
| BROADCOM INC | COM | 11135F101 |  | 1099 | 1965 | SH |  | SOLE |  | 0 | 0 | 1965 |
| CARLYLE GROUP | COM | 14316J108 |  | 566 | 18975 | SH |  | SOLE |  | 0 | 0 | 18975 |
| CATERPILLAR INC | COM | 149123101 |  | 1112 | 4641 | SH |  | SOLE |  | 0 | 0 | 4641 |
| CHEVRON CORP | COM | 166764100 |  | 627 | 3494 | SH |  | SOLE |  | 0 | 0 | 3494 |
| CISCO SYSTEMS | COM | 17275R102 |  | 978 | 20532 | SH |  | SOLE |  | 0 | 0 | 20532 |
| CMS ENERGY | COM | 125896100 |  | 1477 | 23324 | SH |  | SOLE |  | 0 | 0 | 23324 |
| COCA COLA COMPANY | COM | 191216100 |  | 695 | 10923 | SH |  | SOLE |  | 0 | 0 | 10923 |
| COMCAST CORP | CL A | 20030N101 |  | 328 | 9393 | SH |  | SOLE |  | 0 | 0 | 9393 |
| COMERICA INC | COM | 200340107 |  | 383 | 5724 | SH |  | SOLE |  | 0 | 0 | 5724 |
| CORTEVA INC | COM | 22052L104 |  | 885 | 15048 | SH |  | SOLE |  | 0 | 0 | 15048 |
| CUMMINS INC | COM | 231021106 |  | 217 | 895 | SH |  | SOLE |  | 0 | 0 | 895 |
| CVS HEALTH | COM | 126650100 |  | 637 | 6833 | SH |  | SOLE |  | 0 | 0 | 6833 |
| DANAHER CORP | COM | 235851102 |  | 430 | 1619 | SH |  | SOLE |  | 0 | 0 | 1619 |
| DIMENSIONAL INTL | INTERNATNAL VAL | 25434V807 |  | 597 | 19635 | SH |  | SOLE |  | 0 | 0 | 19635 |
| DIMENSIONAL US | US EQUITY ETF | 25434V401 |  | 20785 | 499511 | SH |  | SOLE |  | 0 | 0 | 499511 |
| DIMENSIONAL US | US TARGETED VLU | 25434V609 |  | 1205 | 27424 | SH |  | SOLE |  | 0 | 0 | 27424 |
| DIMENSIONAL US | US CORE EQUITY 2 | 25434V708 |  | 18725 | 771203 | SH |  | SOLE |  | 0 | 0 | 771203 |
| DIMENSIONAL US | US CORE EQT MKT | 25434V104 |  | 12133 | 449024 | SH |  | SOLE |  | 0 | 0 | 449024 |
| DIMENSIONAL US | US MKTWIDE VALUE | 25434V724 |  | 2515 | 75122 | SH |  | SOLE |  | 0 | 0 | 75122 |
| DIMENSIONAL WORLD | WORLD EX US CORE | 25434V880 |  | 1348 | 62422 | SH |  | SOLE |  | 0 | 0 | 62422 |
| DOLLAR GENL | COM | 256677105 |  | 1254 | 5092 | SH |  | SOLE |  | 0 | 0 | 5092 |
| DOW INC | COM | 260557103 |  | 1391 | 27609 | SH |  | SOLE |  | 0 | 0 | 27609 |
| DUPONT DE | COM | 26614N102 |  | 500 | 7285 | SH |  | SOLE |  | 0 | 0 | 7285 |
| EATON CORP | SHS | G29183103 |  | 757 | 4825 | SH |  | SOLE |  | 0 | 0 | 4825 |
| ELEVANCE HEALTH | COM | 036752103 |  | 367 | 715 | SH |  | SOLE |  | 0 | 0 | 715 |
| ELI LILLY | COM | 532457108 |  | 354 | 967 | SH |  | SOLE |  | 0 | 0 | 967 |
| EMERSON ELECTRIC | COM | 291011104 |  | 295 | 3076 | SH |  | SOLE |  | 0 | 0 | 3076 |
| EXXON MOBIL | COM | 30231G102 |  | 1338 | 12132 | SH |  | SOLE |  | 0 | 0 | 12132 |
| FIRST MERCHANTS | COM | 320817109 |  | 422 | 10258 | SH |  | SOLE |  | 0 | 0 | 10258 |
| FIRST SOLAR | COM | 336433107 |  | 749 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| FORD MOTOR | COM | 345370860 |  | 448 | 38563 | SH |  | SOLE |  | 0 | 0 | 38563 |
| FORTINET INC | COM | 34959E109 |  | 358 | 7325 | SH |  | SOLE |  | 0 | 0 | 7325 |
| GENERAL MILLS | COM | 370334104 |  | 545 | 6505 | SH |  | SOLE |  | 0 | 0 | 6505 |
| GILEAD SCIENCES | COM | 375558103 |  | 490 | 5712 | SH |  | SOLE |  | 0 | 0 | 5712 |
| GOLDMAN SACHS | COM | 38141G104 |  | 426 | 1240 | SH |  | SOLE |  | 0 | 0 | 1240 |
| GSX TECHEDU | SPONSORED ADS | 36257Y109 |  | 31 | 13129 | SH |  | SOLE |  | 0 | 0 | 13129 |
| HERSHEY COMPANY | COM | 427866108 |  | 372 | 1607 | SH |  | SOLE |  | 0 | 0 | 1607 |
| HOME DEPOT | COM | 437076102 |  | 1127 | 3569 | SH |  | SOLE |  | 0 | 0 | 3569 |
| HONEYWELL INTL | COM | 438516106 |  | 3035 | 14161 | SH |  | SOLE |  | 0 | 0 | 14161 |
| INTEL CORP | COM | 458140100 |  | 242 | 9160 | SH |  | SOLE |  | 0 | 0 | 9160 |
| INTL BUSINESS | COM | 459200101 |  | 2357 | 16727 | SH |  | SOLE |  | 0 | 0 | 16727 |
| INVESCO EXCHANGE | S LOW VOL | 46138E354 |  | 270 | 4227 | SH |  | SOLE |  | 0 | 0 | 4227 |
| INVESCO NASDAQ | NASDAQ 100 ETF | 46138G649 |  | 252 | 2298 | SH |  | SOLE |  | 0 | 0 | 2298 |
| INVESCO QQQ | UNIT SER 1 | 46090E103 |  | 2391 | 8979 | SH |  | SOLE |  | 0 | 0 | 8979 |
| INVESCO S | S EQL TEC | 46137V282 |  | 260 | 1068 | SH |  | SOLE |  | 0 | 0 | 1068 |
| INVESCO S | S EQL WGT | 46137V357 |  | 245 | 1734 | SH |  | SOLE |  | 0 | 0 | 1734 |
| ISHARES 1-3YR | 1 3 YR TREAS BD | 464287457 |  | 3157 | 38890 | SH |  | SOLE |  | 0 | 0 | 38890 |
| ISHARES CORE | CORE S TTL STK | 464287150 |  | 57371 | 676547 | SH |  | SOLE |  | 0 | 0 | 676547 |
| ISHARES CORE | CORE S ETF | 464287200 |  | 5882 | 15308 | SH |  | SOLE |  | 0 | 0 | 15308 |
| ISHARES CORE | CORE US AGGBD ET | 464287226 |  | 1655 | 17060 | SH |  | SOLE |  | 0 | 0 | 17060 |
| ISHARES CORE | CORE S MCP ETF | 464287507 |  | 1106 | 4571 | SH |  | SOLE |  | 0 | 0 | 4571 |
| ISHARES CORE | CORE S SCP ETF | 464287804 |  | 1419 | 14994 | SH |  | SOLE |  | 0 | 0 | 14994 |
| ISHARES CORE | CORE MSCI TOTAL | 46432F834 |  | 2420 | 41814 | SH |  | SOLE |  | 0 | 0 | 41814 |
| ISHARES GOLD | ISHARES | 464285204 |  | 29137 | 842341 | SH |  | SOLE |  | 0 | 0 | 842341 |
| ISHARES MSCI | MSCI EAFE ETF | 464287465 |  | 1052 | 16027 | SH |  | SOLE |  | 0 | 0 | 16027 |
| ISHARES MSCI | EAFE VALUE ETF | 464288877 |  | 4085 | 89038 | SH |  | SOLE |  | 0 | 0 | 89038 |
| ISHARES NATIONAL | NATIONAL MUN | 464288414 |  | 3375 | 31980 | SH |  | SOLE |  | 0 | 0 | 31980 |
| ISHARES RUSS | RUS MDCP VAL ETF | 464287473 |  | 477 | 4524 | SH |  | SOLE |  | 0 | 0 | 4524 |
| ISHARES RUSSELL | RUS MID CAP ETF | 464287499 |  | 351 | 5210 | SH |  | SOLE |  | 0 | 0 | 5210 |
| ISHARES RUSSELL | RUS 1000 GRW ETF | 464287614 |  | 571 | 2664 | SH |  | SOLE |  | 0 | 0 | 2664 |
| ISHARES RUSSELL | RUS 2000 VAL ETF | 464287630 |  | 18213 | 131341 | SH |  | SOLE |  | 0 | 0 | 131341 |
| ISHARES RUSSELL | RUSSELL 3000 ETF | 464287689 |  | 2290 | 10378 | SH |  | SOLE |  | 0 | 0 | 10378 |
| ISHARES S | S 500 GRWT ETF | 464287309 |  | 247 | 4222 | SH |  | SOLE |  | 0 | 0 | 4222 |
| ISHARES S | S 500 VAL ETF | 464287408 |  | 427 | 2942 | SH |  | SOLE |  | 0 | 0 | 2942 |
| ISHARES S | S MC 400VL ETF | 464287705 |  | 281 | 2790 | SH |  | SOLE |  | 0 | 0 | 2790 |
| ISHARES S | SP SMCP600VL ETF | 464287879 |  | 1256 | 13755 | SH |  | SOLE |  | 0 | 0 | 13755 |
| ISHARES SELECT | SELECT DIVID ETF | 464287168 |  | 2468 | 20467 | SH |  | SOLE |  | 0 | 0 | 20467 |
| ISHARES SHORT | SHRT NAT MUN ETF | 464288158 |  | 7865 | 75428 | SH |  | SOLE |  | 0 | 0 | 75428 |
| ISHARES TIPS | TIPS BD ETF | 464287176 |  | 7673 | 72083 | SH |  | SOLE |  | 0 | 0 | 72083 |
| ISHARES U S | US TREAS BD ETF | 46429B267 |  | 226 | 9956 | SH |  | SOLE |  | 0 | 0 | 9956 |
| ISHARES U S | US HOME CONS ETF | 464288752 |  | 936 | 15450 | SH |  | SOLE |  | 0 | 0 | 15450 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 4298 | 24331 | SH |  | SOLE |  | 0 | 0 | 24331 |
| JPMORGAN CHASE | COM | 46625H100 |  | 1215 | 9062 | SH |  | SOLE |  | 0 | 0 | 9062 |
| KELLOGG CO | COM | 487836108 |  | 1401 | 19669 | SH |  | SOLE |  | 0 | 0 | 19669 |
| KIMBERLY CLARK | COM | 494368103 |  | 512 | 3775 | SH |  | SOLE |  | 0 | 0 | 3775 |
| KKR  CO | COM | 48251W104 |  | 558 | 12025 | SH |  | SOLE |  | 0 | 0 | 12025 |
| KLA CORP | COM | 482480100 |  | 974 | 2584 | SH |  | SOLE |  | 0 | 0 | 2584 |
| LCI INDS | COM | 50189K103 |  | 1095 | 11844 | SH |  | SOLE |  | 0 | 0 | 11844 |
| LINDE PLC | COM | G5494J103 |  | 857 | 2626 | SH |  | SOLE |  | 0 | 0 | 2626 |
| LOWES COMPANIES | COM | 548661107 |  | 1426 | 7155 | SH |  | SOLE |  | 0 | 0 | 7155 |
| MARATHON PETROLEUM | COM | 56585A102 |  | 303 | 2605 | SH |  | SOLE |  | 0 | 0 | 2605 |
| MASTERCARD INC | CL A | 57636Q104 |  | 272 | 783 | SH |  | SOLE |  | 0 | 0 | 783 |
| MCDONALDS CORP | COM | 580135101 |  | 731 | 2775 | SH |  | SOLE |  | 0 | 0 | 2775 |
| MCKESSON CORP | COM | 58155Q103 |  | 1879 | 5008 | SH |  | SOLE |  | 0 | 0 | 5008 |
| MERCK  COMPANY | COM | 58933Y105 |  | 1616 | 14563 | SH |  | SOLE |  | 0 | 0 | 14563 |
| METLIFE INC | COM | 59156R108 |  | 388 | 5358 | SH |  | SOLE |  | 0 | 0 | 5358 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 1024 | 20496 | SH |  | SOLE |  | 0 | 0 | 20496 |
| MICROSOFT CORP | COM | 594918104 |  | 13112 | 54673 | SH |  | SOLE |  | 0 | 0 | 54673 |
| MONDELEZ INTERNATIONAL | CL A | 609207105 |  | 1437 | 21567 | SH |  | SOLE |  | 0 | 0 | 21567 |
| NEXTERA ENERGY | COM | 65339F101 |  | 386 | 4620 | SH |  | SOLE |  | 0 | 0 | 4620 |
| NORFOLK SOUTHERN | COM | 655844108 |  | 242 | 982 | SH |  | SOLE |  | 0 | 0 | 982 |
| NUCOR CORP | COM | 670346105 |  | 674 | 5116 | SH |  | SOLE |  | 0 | 0 | 5116 |
| NVIDIA CORP | COM | 67066G104 |  | 772 | 5282 | SH |  | SOLE |  | 0 | 0 | 5282 |
| ORACLE CORP | COM | 68389X105 |  | 626 | 7657 | SH |  | SOLE |  | 0 | 0 | 7657 |
| PAYCHEX INC | COM | 704326107 |  | 293 | 2533 | SH |  | SOLE |  | 0 | 0 | 2533 |
| PEPSICO INC | COM | 713448108 |  | 3322 | 18389 | SH |  | SOLE |  | 0 | 0 | 18389 |
| PFIZER INC | COM | 717081103 |  | 4112 | 80241 | SH |  | SOLE |  | 0 | 0 | 80241 |
| PHILIP MORRIS | COM | 718172109 |  | 1298 | 12824 | SH |  | SOLE |  | 0 | 0 | 12824 |
| POLARIS INC | COM | 731068102 |  | 202 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| PROCTER  GAMBLE | COM | 742718109 |  | 3214 | 21209 | SH |  | SOLE |  | 0 | 0 | 21209 |
| PRUDENTIAL FINANCIAL | COM | 744320102 |  | 995 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| QORVO INC | COM | 74736K101 |  | 340 | 3750 | SH |  | SOLE |  | 0 | 0 | 3750 |
| QUALCOMM INC | COM | 747525103 |  | 823 | 7490 | SH |  | SOLE |  | 0 | 0 | 7490 |
| QUEST DIAGNOSTICS | COM | 74834L100 |  | 382 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| RAYTHEON TECHNOLOGIES | COM | 75513E101 |  | 220 | 2183 | SH |  | SOLE |  | 0 | 0 | 2183 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 262 | 5413 | SH |  | SOLE |  | 0 | 0 | 5413 |
| SCHWAB AGGREGATE | US AGGREGATE B | 808524839 |  | 2668 | 58445 | SH |  | SOLE |  | 0 | 0 | 58445 |
| SCHWAB EMERGING | EMRG MKTEQ ETF | 808524706 |  | 939 | 39679 | SH |  | SOLE |  | 0 | 0 | 39679 |
| SCHWAB INTERMEDIATE | INTRM TRM TRES | 808524854 |  | 499 | 10143 | SH |  | SOLE |  | 0 | 0 | 10143 |
| SCHWAB INTL | INTL EQTY ETF | 808524805 |  | 4823 | 149747 | SH |  | SOLE |  | 0 | 0 | 149747 |
| SCHWAB US | US BRD MKT ETF | 808524102 |  | 7083 | 158059 | SH |  | SOLE |  | 0 | 0 | 158059 |
| SCHWAB US | US LRG CAP ETF | 808524201 |  | 2077 | 46007 | SH |  | SOLE |  | 0 | 0 | 46007 |
| SCHWAB US | US LCAP VA ETF | 808524409 |  | 987 | 14947 | SH |  | SOLE |  | 0 | 0 | 14947 |
| SCHWAB US | US MID-CAP ETF | 808524508 |  | 1591 | 24250 | SH |  | SOLE |  | 0 | 0 | 24250 |
| SCHWAB US | US SML CAP ETF | 808524607 |  | 1023 | 25252 | SH |  | SOLE |  | 0 | 0 | 25252 |
| SCHWAB US | US TIPS ETF | 808524870 |  | 3334 | 64376 | SH |  | SOLE |  | 0 | 0 | 64376 |
| SECTOR FINANCIAL | SBI INT-FINL | 81369Y605 |  | 565 | 16517 | SH |  | SOLE |  | 0 | 0 | 16517 |
| SECTOR TECHNOLOGY | TECHNOLOGY | 81369Y803 |  | 726 | 5834 | SH |  | SOLE |  | 0 | 0 | 5834 |
| SHERWIN WILLIAMS | COM | 824348106 |  | 380 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| SHYFT GROUP | COM | 825698103 |  | 532 | 21381 | SH |  | SOLE |  | 0 | 0 | 21381 |
| SMILEDIRECTCLUB INC | CL A COM | 83192H106 |  | 4 | 12111 | SH |  | SOLE |  | 0 | 0 | 12111 |
| SMUCKER JM | COM | 832696405 |  | 228 | 1438 | SH |  | SOLE |  | 0 | 0 | 1438 |
| SOUTHERN COMPANY | COM | 842587107 |  | 384 | 5380 | SH |  | SOLE |  | 0 | 0 | 5380 |
| SPDR DOW | UT SER 1 | 78467X109 |  | 735 | 2218 | SH |  | SOLE |  | 0 | 0 | 2218 |
| SPDR GOLD | GOLD SHS | 78463V107 |  | 397 | 2340 | SH |  | SOLE |  | 0 | 0 | 2340 |
| SPDR S | TR UNIT | 78462F103 |  | 4954 | 12955 | SH |  | SOLE |  | 0 | 0 | 12955 |
| SPDR S | UTSER1 S | 78467Y107 |  | 977 | 2207 | SH |  | SOLE |  | 0 | 0 | 2207 |
| SPDR SERIES | S HOMEBUILD | 78464A888 |  | 665 | 11030 | SH |  | SOLE |  | 0 | 0 | 11030 |
| STARBUCKS CORP | COM | 855244109 |  | 419 | 4227 | SH |  | SOLE |  | 0 | 0 | 4227 |
| STATE STREET | COM | 857477103 |  | 244 | 3151 | SH |  | SOLE |  | 0 | 0 | 3151 |
| STEELCASE INC | CL A | 858155203 |  | 181 | 25531 | SH |  | SOLE |  | 0 | 0 | 25531 |
| STRYKER CORP | COM | 863667101 |  | 15664 | 64068 | SH |  | SOLE |  | 0 | 0 | 64068 |
| TESLA INC | COM | 88160R101 |  | 646 | 5245 | SH |  | SOLE |  | 0 | 0 | 5245 |
| TEVA PHARMACEUTICAL | SPONSORED ADS | 881624209 |  | 191 | 20950 | SH |  | SOLE |  | 0 | 0 | 20950 |
| TEXAS INSTRUMENTS | COM | 882508104 |  | 453 | 2744 | SH |  | SOLE |  | 0 | 0 | 2744 |
| THERMO FISHER | COM | 883556102 |  | 201 | 365 | SH |  | SOLE |  | 0 | 0 | 365 |
| TIZIANA LIFE | COM | G88912103 |  | 12 | 20700 | SH |  | SOLE |  | 0 | 0 | 20700 |
| TYSON FOODS | CL A | 902494103 |  | 287 | 4609 | SH |  | SOLE |  | 0 | 0 | 4609 |
| U S BANCORP DE | COM | 902973304 |  | 616 | 14134 | SH |  | SOLE |  | 0 | 0 | 14134 |
| UBS GROUP | SHS | H42097107 |  | 329 | 17616 | SH |  | SOLE |  | 0 | 0 | 17616 |
| UNITED PARCEL | CL B | 911312106 |  | 383 | 2202 | SH |  | SOLE |  | 0 | 0 | 2202 |
| UNITEDHEALTH GROUP | COM | 91324P102 |  | 236 | 445 | SH |  | SOLE |  | 0 | 0 | 445 |
| VANGUARD DIVIDEND | DIV APP ETF | 921908844 |  | 2303 | 15167 | SH |  | SOLE |  | 0 | 0 | 15167 |
| VANGUARD ESG | ESG INTL STK ETF | 921910725 |  | 217 | 4404 | SH |  | SOLE |  | 0 | 0 | 4404 |
| VANGUARD ESG | ESG US STK ETF | 921910733 |  | 220 | 3333 | SH |  | SOLE |  | 0 | 0 | 3333 |
| VANGUARD EXTENDED | EXTEND MKT ETF | 922908652 |  | 631 | 4753 | SH |  | SOLE |  | 0 | 0 | 4753 |
| VANGUARD FSTE | FTSE EMR MKT ETF | 922042858 |  | 10325 | 264890 | SH |  | SOLE |  | 0 | 0 | 264890 |
| VANGUARD FTSE | FTSE DEV MKT ETF | 921943858 |  | 2392 | 56986 | SH |  | SOLE |  | 0 | 0 | 56986 |
| VANGUARD FTSE | FTSE SMCAP ETF | 922042718 |  | 1223 | 11896 | SH |  | SOLE |  | 0 | 0 | 11896 |
| VANGUARD GROWTH | GROWTH ETF | 922908736 |  | 2245 | 10536 | SH |  | SOLE |  | 0 | 0 | 10536 |
| VANGUARD HEALTH | HEALTH CAR ETF | 92204A504 |  | 485 | 1954 | SH |  | SOLE |  | 0 | 0 | 1954 |
| VANGUARD HIGH | HIGH DIV YLD | 921946406 |  | 11078 | 102378 | SH |  | SOLE |  | 0 | 0 | 102378 |
| VANGUARD INFORMATION | INF TECH ETF | 92204A702 |  | 1170 | 3661 | SH |  | SOLE |  | 0 | 0 | 3661 |
| VANGUARD INTERMEDIATE | INTERMED TERM | 921937819 |  | 283 | 3801 | SH |  | SOLE |  | 0 | 0 | 3801 |
| VANGUARD INTERNATIONAL | INTL HIGH ETF | 921946794 |  | 940 | 15776 | SH |  | SOLE |  | 0 | 0 | 15776 |
| VANGUARD LARGE | LARGE CAP ETF | 922908637 |  | 578 | 3320 | SH |  | SOLE |  | 0 | 0 | 3320 |
| VANGUARD MEGA | MEGA CAP INDEX | 921910873 |  | 380 | 2871 | SH |  | SOLE |  | 0 | 0 | 2871 |
| VANGUARD MID | MCAP VL IDXVIP | 922908512 |  | 237 | 1751 | SH |  | SOLE |  | 0 | 0 | 1751 |
| VANGUARD MID | MCAP GR IDXVIP | 922908538 |  | 227 | 1263 | SH |  | SOLE |  | 0 | 0 | 1263 |
| VANGUARD MID | MID CAP ETF | 922908629 |  | 2849 | 13979 | SH |  | SOLE |  | 0 | 0 | 13979 |
| VANGUARD MORTGAGE | MORTG-BACK SEC | 92206C771 |  | 274 | 6027 | SH |  | SOLE |  | 0 | 0 | 6027 |
| VANGUARD MUNICIPAL | TAX EXEMPT BD | 922907746 |  | 277 | 5599 | SH |  | SOLE |  | 0 | 0 | 5599 |
| VANGUARD REAL | REAL ESTATE ETF | 922908553 |  | 3938 | 47741 | SH |  | SOLE |  | 0 | 0 | 47741 |
| VANGUARD RUSSELL | VNG RUS2000VAL | 92206C649 |  | 289 | 2371 | SH |  | SOLE |  | 0 | 0 | 2371 |
| VANGUARD RUSSELL | VNG RUS1000GRW | 92206C680 |  | 584 | 10597 | SH |  | SOLE |  | 0 | 0 | 10597 |
| VANGUARD RUSSELL | VNG RUS1000VAL | 92206C714 |  | 1388 | 20840 | SH |  | SOLE |  | 0 | 0 | 20840 |
| VANGUARD RUSSELL | VNG RUS1000IDX | 92206C730 |  | 944 | 5415 | SH |  | SOLE |  | 0 | 0 | 5415 |
| VANGUARD S | S 500 ETF SHS | 922908363 |  | 35980 | 102408 | SH |  | SOLE |  | 0 | 0 | 102408 |
| VANGUARD SHORT | SHORT TRM BOND | 921937827 |  | 816 | 10837 | SH |  | SOLE |  | 0 | 0 | 10837 |
| VANGUARD SHORT | STRM INFPROIDX | 922020805 |  | 212 | 4534 | SH |  | SOLE |  | 0 | 0 | 4534 |
| VANGUARD SHORT | SHORT TERM TREAS | 92206C102 |  | 2284 | 39501 | SH |  | SOLE |  | 0 | 0 | 39501 |
| VANGUARD SHORT | SHRT TRM CORP BD | 92206C409 |  | 6305 | 83855 | SH |  | SOLE |  | 0 | 0 | 83855 |
| VANGUARD SMALL | SM CP VAL ETF | 922908611 |  | 42339 | 266617 | SH |  | SOLE |  | 0 | 0 | 266617 |
| VANGUARD SMALL | SMALL CP ETF | 922908751 |  | 987 | 5376 | SH |  | SOLE |  | 0 | 0 | 5376 |
| VANGUARD TOTAL | VG TL INTL STK F | 921909768 |  | 24120 | 466366 | SH |  | SOLE |  | 0 | 0 | 466366 |
| VANGUARD TOTAL | TOTAL BND MRKT | 921937835 |  | 9065 | 126182 | SH |  | SOLE |  | 0 | 0 | 126182 |
| VANGUARD TOTAL | INTL BD IDX ETF | 92203J407 |  | 412 | 8681 | SH |  | SOLE |  | 0 | 0 | 8681 |
| VANGUARD TOTAL | TT WRLD ST ETF | 922042742 |  | 34279 | 397709 | SH |  | SOLE |  | 0 | 0 | 397709 |
| VANGUARD TOTAL | TOTAL STK MKT | 922908769 |  | 92090 | 481667 | SH |  | SOLE |  | 0 | 0 | 481667 |
| VANGUARD VALUE | VALUE ETF | 922908744 |  | 8217 | 58540 | SH |  | SOLE |  | 0 | 0 | 58540 |
| VIATRIS INC | COM | 92556V106 |  | 184 | 16565 | SH |  | SOLE |  | 0 | 0 | 16565 |
| VISA INC | COM CL A | 92826C839 |  | 856 | 4118 | SH |  | SOLE |  | 0 | 0 | 4118 |
| WALMART INC | COM | 931142103 |  | 394 | 2781 | SH |  | SOLE |  | 0 | 0 | 2781 |
| WHIRLPOOL CORP | COM | 963320106 |  | 283 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| WORLD GOLD | SPDR GLD MINIS | 98149E303 |  | 4482 | 123847 | SH |  | SOLE |  | 0 | 0 | 123847 |
| WORTHINGTON INDUSTRIES | COM | 981811102 |  | 249 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| ZOETIS INC | CL A | 98978V103 |  | 3532 | 24100 | SH |  | SOLE |  | 0 | 0 | 24100 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 18418 | 735527 | SH |  | SOLE |  | 0 | 0 | 735527 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 2217 | 43353 | SH |  | SOLE |  | 0 | 0 | 43353 |
| DIMENSIONAL EMERGING | EMGR CRE EQT MNG | 25434V302 |  | 1284 | 58487 | SH |  | SOLE |  | 0 | 0 | 58487 |
| SPDR PORTFOLIO | PORTFOLI S | 78464A805 |  | 1003 | 21207 | SH |  | SOLE |  | 0 | 0 | 21207 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 1804 | 36821 | SH |  | SOLE |  | 0 | 0 | 36821 |
| DIMENSIONAL US | US SMALL CAP VAL | 25434V815 |  | 1033 | 41698 | SH |  | SOLE |  | 0 | 0 | 41698 |
| SPDR PORTFOLIO | PORTFOLIO AGRGTE | 78464A649 |  | 209 | 8308 | SH |  | SOLE |  | 0 | 0 | 8308 |

---