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
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 CO COM 88579Y101 672 3,810 SH   SOLE   3,810 0 0
ABB LTD SPONSORED ADR 000375204 953 39,550 SH   SOLE   39,550 0 0
ALPHABET INC CAP STK CL C 02079K107 2,149 1,607 SH   SOLE   1,607 0 0
AMAZON COM INC COM 023135106 344 186 SH   SOLE   186 0 0
AMERICAN TOWER CORP NEW COM 03027X100 301 1,309 SH   SOLE   1,309 0 0
AMGEN INC COM 031162100 1,859 7,710 SH   SOLE   7,710 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 375 4,575 SH   SOLE   4,575 0 0
APPLE INC COM 037833100 4,721 16,077 SH   SOLE   16,077 0 0
ARK ETF TR INNOVATION ETF 00214Q104 460 9,193 SH   SOLE   9,193 0 0
AT&T INC COM 00206R102 1,802 46,100 SH   SOLE   46,100 0 0
AUTOLIV INC COM 052800109 732 8,675 SH   SOLE   8,675 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,258 5,555 SH   SOLE   5,555 0 0
BOEING CO COM 097023105 580 1,780 SH   SOLE   1,780 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 760 11,836 SH   SOLE   11,836 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 301 6,020 SH   SOLE   6,020 0 0
CHEVRON CORP NEW COM 166764100 1,346 11,171 SH   SOLE   11,171 0 0
CIGNA CORP NEW COM 125523100 839 4,105 SH   SOLE   4,105 0 0
COCA COLA CO COM 191216100 315 5,696 SH   SOLE   5,696 0 0
COMCAST CORP NEW CL A 20030N101 818 18,195 SH   SOLE   18,195 0 0
CONOCOPHILLIPS COM 20825C104 692 10,638 SH   SOLE   10,638 0 0
CSX CORP COM 126408103 1,147 15,847 SH   SOLE   15,847 0 0
DISNEY WALT CO COM DISNEY 254687106 1,720 11,895 SH   SOLE   11,895 0 0
DTE ENERGY CO COM 233331107 232 1,783 SH   SOLE   1,783 0 0
EATON CORP PLC SHS G29183103 1,072 11,317 SH   SOLE   11,317 0 0
ECOLAB INC COM 278865100 1,675 8,680 SH   SOLE   8,680 0 0
EXXON MOBIL CORP COM 30231G102 906 12,983 SH   SOLE   12,983 0 0
GENERAL ELECTRIC CO COM 369604103 337 30,175 SH   SOLE   30,175 0 0
HEARTLAND FINL USA INC COM 42234Q102 264 5,309 SH   SOLE   5,309 0 0
HOME DEPOT INC COM 437076102 1,174 5,374 SH   SOLE   5,374 0 0
INTEL CORP COM 458140100 2,210 36,928 SH   SOLE   36,928 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,470 10,967 SH   SOLE   10,967 0 0
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 222 4,120 SH   SOLE   4,120 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 256 1,204 SH   SOLE   1,204 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 565 9,630 SH   SOLE   9,630 0 0
ISHARES TR COHEN STEER REIT 464287564 445 3,805 SH   SOLE   3,805 0 0
ISHARES TR EDGE MSCI MINM 46435G433 3,670 103,470 SH   SOLE   103,470 0 0
ISHARES TR IBONDS DEC 46435U697 1,129 42,700 SH   SOLE   42,700 0 0
ISHARES TR IBONDS DEC 25 46435U432 899 33,100 SH   SOLE   33,100 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,046 40,600 SH   SOLE   40,600 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,056 40,375 SH   SOLE   40,375 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,105 42,810 SH   SOLE   42,810 0 0
ISHARES TR IBONDS SEP2020 46434V571 1,029 40,325 SH   SOLE   40,325 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 12,189 163,519 SH   SOLE   163,519 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,470 32,765 SH   SOLE   32,765 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 19,088 290,980 SH   SOLE   290,980 0 0
ISHARES TR TIPS BD ETF 464287176 227 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 751 3,230 SH   SOLE   3,230 0 0
ISHARES TR US HLTHCARE ETF 464287762 216 1,000 SH   SOLE   1,000 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 7,876 62,731 SH   SOLE   62,731 0 0
JOHNSON & JOHNSON COM 478160104 1,048 7,184 SH   SOLE   7,184 0 0
JP MORGAN EXCHANGE TRADED FD GLOBAL BD OPRT 46641Q852 8,654 172,970 SH   SOLE   172,970 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 26,663 528,711 SH   SOLE   528,711 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHT MUNCPL 46641Q654 2,408 47,695 SH   SOLE   47,695 0 0
JPMORGAN CHASE & CO COM 46625H100 776 5,567 SH   SOLE   5,567 0 0
KONINKLIJKE PHILIPS N V NY REG SH NEW 500472303 1,342 27,497 SH   SOLE   27,497 0 0
LOCKHEED MARTIN CORP COM 539830109 1,911 4,909 SH   SOLE   4,909 0 0
MEDTRONIC PLC SHS G5960L103 1,416 12,478 SH   SOLE   12,478 0 0
MICROSOFT CORP COM 594918104 2,530 16,040 SH   SOLE   16,040 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 1,453 9,015 SH   SOLE   9,015 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,339 6,900 SH   SOLE   6,900 0 0
ORACLE CORP COM 68389X105 325 6,125 SH   SOLE   6,125 0 0
PAYCHEX INC COM 704326107 1,264 14,865 SH   SOLE   14,865 0 0
PEPSICO INC COM 713448108 800 5,857 SH   SOLE   5,857 0 0
PFIZER INC COM 717081103 2,690 68,645 SH   SOLE   68,645 0 0
PHILLIPS 66 COM 718546104 486 4,360 SH   SOLE   4,360 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 117 15,517 SH   SOLE   15,517 0 0
PRICE T ROWE GROUP INC COM 74144T108 334 2,740 SH   SOLE   2,740 0 0
PROCTER & GAMBLE CO COM 742718109 389 3,111 SH   SOLE   3,111 0 0
QUALCOMM INC COM 747525103 776 8,790 SH   SOLE   8,790 0 0
SCHLUMBERGER LTD COM 806857108 322 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,510 27,485 SH   SOLE   27,485 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 231 5,750 SH   SOLE   5,750 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,043 243,530 SH   SOLE   243,530 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 604 11,965 SH   SOLE   11,965 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 214 4,005 SH   SOLE   4,005 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,073 53,064 SH   SOLE   53,064 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 948 30,235 SH   SOLE   30,235 0 0
STARBUCKS CORP COM 855244109 413 4,700 SH   SOLE   4,700 0 0
TEXAS PAC LD TR SUB CTF PROP I T 882610108 957 1,225 SH   SOLE   1,225 0 0
TIMKEN CO COM 887389104 867 15,400 SH   SOLE   15,400 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,184 10,115 SH   SOLE   10,115 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,315 7,875 SH   SOLE   7,875 0 0
US BANCORP DEL COM NEW 902973304 1,437 24,242 SH   SOLE   24,242 0 0
V F CORP COM 918204108 352 3,530 SH   SOLE   3,530 0 0
VANECK VECTORS ETF TRUST SEMICONDUCTOR ET 92189F676 209 1,475 SH   SOLE   1,475 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 474 5,880 SH   SOLE   5,880 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 390 6,890 SH   SOLE   6,890 0 0
VANGUARD GROUP DIV APP ETF 921908844 11,063 88,747 SH   SOLE   88,747 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,122 33,607 SH   SOLE   33,607 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 401 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,633 72,430 SH   SOLE   72,430 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,520 8,530 SH   SOLE   8,530 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 11,215 120,859 SH   SOLE   120,859 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,387 83,072 SH   SOLE   83,072 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,962 35,993 SH   SOLE   35,993 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,330 8,131 SH   SOLE   8,131 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 7,863 65,605 SH   SOLE   65,605 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,384 76,105 SH   SOLE   76,105 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 361 6,105 SH   SOLE   6,105 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,241 209,726 SH   SOLE   209,726 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 297 3,166 SH   SOLE   3,166 0 0
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 8,653 120,080 SH   SOLE   120,080 0 0
VISA INC COM CL A 92826C839 1,743 9,275 SH   SOLE   9,275 0 0
WASTE MGMT INC DEL COM 94106L109 1,833 16,085 SH   SOLE   16,085 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717X628 1,910 76,207 SH   SOLE   76,207 0 0
WYNN RESORTS LTD COM 983134107 787 5,665 SH   SOLE   5,665 0 0