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 328 2,046 SH   SOLE   2,046 0 0
ABBVIE INC COM 00287Y109 2,012 22,972 SH   SOLE   22,972 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,756 3,581 SH   SOLE   3,581 0 0
AMAZON COM INC COM 023135106 7,450 2,366 SH   SOLE   2,366 0 0
AMERICAN EXPRESS CO COM 025816109 303 3,023 SH   SOLE   3,023 0 0
AMERISOURCEBERGEN CORP COM 03073E105 827 8,531 SH   SOLE   8,531 0 0
AMGEN INC COM 031162100 223 876 SH   SOLE   876 0 0
APPLE INC COM 037833100 7,747 66,892 SH   SOLE   66,892 0 0
AT&T INC COM 00206R102 1,037 36,383 SH   SOLE   36,383 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 466 2,190 SH   SOLE   2,190 0 0
BOEING CO COM 097023105 1,446 8,749 SH   SOLE   8,749 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,316 38,409 SH   SOLE   38,409 0 0
CATERPILLAR INC DEL COM 149123101 2,109 14,141 SH   SOLE   14,141 0 0
CHEVRON CORP NEW COM 166764100 634 8,801 SH   SOLE   8,801 0 0
COCA COLA CO COM 191216100 1,332 26,979 SH   SOLE   26,979 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,665 7,508 SH   SOLE   7,508 0 0
CVS HEALTH CORP COM 126650100 1,137 19,462 SH   SOLE   19,462 0 0
DANAHER CORPORATION COM 235851102 3,756 17,442 SH   SOLE   17,442 0 0
DISNEY WALT CO COM DISNEY 254687106 210 1,691 SH   SOLE   1,691 0 0
DOCUSIGN INC COM 256163106 2,074 9,635 SH   SOLE   9,635 0 0
DTE ENERGY CO COM 233331107 360 3,127 SH   SOLE   3,127 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 1,262 74,690 SH   SOLE   74,360 0 330
EXXON MOBIL CORP COM 30231G102 606 17,664 SH   SOLE   17,664 0 0
FACEBOOK INC CL A 30303M102 3,143 12,002 SH   SOLE   12,002 0 0
FORD MTR CO DEL COM 345370860 83 12,489 SH   SOLE   12,489 0 0
GALLAGHER ARTHUR J & CO COM 363576109 2,075 19,651 SH   SOLE   19,651 0 0
GENTEX CORP COM 371901109 1,322 51,355 SH   SOLE   51,355 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,508 7,503 SH   SOLE   7,503 0 0
HOME DEPOT INC COM 437076102 238 857 SH   SOLE   857 0 0
HORMEL FOODS CORP COM 440452100 1,379 28,204 SH   SOLE   28,204 0 0
INTEL CORP COM 458140100 229 4,429 SH   SOLE   4,429 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 2,197 3,096 SH   SOLE   3,096 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,196 28,085 SH   SOLE   27,605 0 480
INVESCO QQQ TR UNIT SER 1 46090E103 803 2,891 SH   SOLE   2,891 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,323 184,719 SH   SOLE   182,159 0 2,560
ISHARES INC CORE MSCI EMKT 46434G103 2,464 46,658 SH   SOLE   46,138 0 520
ISHARES TR ISHS 1-5YR INVS 464288646 212 3,855 SH   SOLE   3,855 0 0
ISHARES TR IBONDS DEC 46435U697 224 8,250 SH   SOLE   8,250 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,878 8,658 SH   SOLE   8,658 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 6,507 259,772 SH   SOLE   259,772 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 7,096 276,881 SH   SOLE   276,881 0 0
ISHARES TR IBONDS DEC2021 46435G789 456 17,595 SH   SOLE   17,595 0 0
ISHARES TR CORE S&P SCP ETF 464287804 23,890 340,167 SH   SOLE   336,237 0 3,930
ISHARES TR MSCI EAFE ETF 464287465 1,898 29,819 SH   SOLE   29,819 0 0
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 4,494 178,131 SH   SOLE   178,131 0 0
ISHARES TR TIPS BD ETF 464287176 17,315 136,878 SH   SOLE   135,350 0 1,528
ISHARES TR CORE HIGH DV ETF 46429B663 217 2,702 SH   SOLE   2,702 0 0
ISHARES TR CORE MSCI EAFE 46432F842 5,616 93,161 SH   SOLE   91,196 0 1,965
ISHARES TR 0-5YR HI YL CP 46434V407 3,236 73,632 SH   SOLE   73,632 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 262 5,936 SH   SOLE   5,936 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 7,648 281,893 SH   SOLE   280,893 0 1,000
ISHARES TR IBONDS DEC23 ETF 46434VAX8 7,035 268,205 SH   SOLE   268,205 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 703 5,955 SH   SOLE   5,955 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 361 1,628 SH   SOLE   1,628 0 0
ISHARES TR RUS 1000 ETF 464287622 11,213 59,912 SH   SOLE   59,912 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,195 45,480 SH   SOLE   45,480 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 4,479 165,028 SH   SOLE   162,828 0 2,200
ISHARES TR IBONDS DEC24 ETF 46434VBG4 7,341 277,579 SH   SOLE   277,579 0 0
ISHARES TR CORE S&P MCP ETF 464287507 33,355 179,994 SH   SOLE   178,164 0 1,830
ISHARES TR IBONDS DEC2026 46435GAA0 5,049 188,271 SH   SOLE   188,271 0 0
ISHARES TR COHEN STEER REIT 464287564 934 9,161 SH   SOLE   9,071 0 90
ISHARES TR IBONDS DEC2022 46435G755 925 34,910 SH   SOLE   34,910 0 0
ISHARES TR RUS MID CAP ETF 464287499 6,490 113,099 SH   SOLE   111,659 0 1,440
ISHARES TR SHRT NAT MUN ETF 464288158 589 5,450 SH   SOLE   5,450 0 0
ISHARES TR CORE MSCI INTL 46435G326 608 11,265 SH   SOLE   11,265 0 0
ISHARES TR S&P 500 VAL ETF 464287408 450 4,005 SH   SOLE   4,005 0 0
ISHARES TR CORE S&P500 ETF 464287200 107,255 319,154 SH   SOLE   313,610 0 5,544
ISHARES TR RUSSELL 2000 ETF 464287655 5,190 34,646 SH   SOLE   34,646 0 0
JOHNSON & JOHNSON COM 478160104 211 1,417 SH   SOLE   1,417 0 0
JPMORGAN CHASE & CO COM 46625H100 3,251 33,768 SH   SOLE   33,768 0 0
KEYCORP COM 493267108 567 47,526 SH   SOLE   47,526 0 0
KIMBERLY CLARK CORP COM 494368103 420 2,841 SH   SOLE   2,841 0 0
KINDER MORGAN INC DEL COM 49456B101 868 70,375 SH   SOLE   70,375 0 0
LENNOX INTL INC COM 526107107 450 1,649 SH   SOLE   1,649 0 0
LILLY ELI & CO COM 532457108 237 1,600 SH   SOLE   1,600 0 0
LOWES COS INC COM 548661107 3,529 21,278 SH   SOLE   21,278 0 0
MICROSOFT CORP COM 594918104 6,691 31,811 SH   SOLE   31,811 0 0
NETFLIX INC COM 64110L106 1,343 2,685 SH   SOLE   2,685 0 0
NUCOR CORP COM 670346105 844 18,815 SH   SOLE   18,815 0 0
NVIDIA CORPORATION COM 67066G104 1,695 3,132 SH   SOLE   3,107 0 25
ORACLE CORP COM 68389X105 216 3,615 SH   SOLE   3,615 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 251 545 SH   SOLE   545 0 0
PROCTER AND GAMBLE CO COM 742718109 2,480 17,840 SH   SOLE   17,840 0 0
PROLOGIS INC. COM 74340W103 1,392 13,837 SH   SOLE   13,837 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 786 13,660 SH   SOLE   13,660 0 0
ROCKWELL MED INC COM 774374102 110 102,834 SH   SOLE   102,834 0 0
ROPER TECHNOLOGIES INC COM 776696106 2,952 7,471 SH   SOLE   7,471 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 427 13,589 SH   SOLE   13,589 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 404 7,279 SH   SOLE   7,279 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 376 5,510 SH   SOLE   5,510 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,011 12,692 SH   SOLE   12,692 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,386 17,194 SH   SOLE   17,194 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 596 24,751 SH   SOLE   24,751 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 222 1,509 SH   SOLE   1,509 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 218 2,827 SH   SOLE   2,827 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 373 3,538 SH   SOLE   3,538 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 429 3,674 SH   SOLE   3,674 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 215 3,622 SH   SOLE   3,622 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 572 19,086 SH   SOLE   19,086 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 1,767 12,143 SH   SOLE   12,143 0 0
SNAP ON INC COM 833034101 1,341 9,117 SH   SOLE   9,117 0 0
SPDR GOLD TR GOLD SHS 78463V107 215 1,215 SH   SOLE   1,215 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,976 5,900 SH Put SOLE   0 0 5,900
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,899 5,670 SH   SOLE   5,670 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 664 1,958 SH   SOLE   1,958 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 14,724 569,159 SH   SOLE   564,799 0 4,360
STARBUCKS CORP COM 855244109 1,611 18,745 SH   SOLE   18,745 0 0
STRYKER CORPORATION COM 863667101 3,349 16,073 SH   SOLE   16,073 0 0
SYNOPSYS INC COM 871607107 3,774 17,639 SH   SOLE   17,639 0 0
TARGET CORP COM 87612E106 227 1,445 SH   SOLE   1,445 0 0
TESLA INC COM 88160R101 802 1,870 SH   SOLE   1,870 0 0
TJX COS INC NEW COM 872540109 2,470 44,389 SH   SOLE   44,389 0 0
UNITED PARCEL SERVICE INC CL B 911312106 10,115 60,706 SH   SOLE   60,706 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,999 12,826 SH   SOLE   12,826 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,621 20,530 SH   SOLE   20,290 0 240
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,505 32,321 SH   SOLE   32,321 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 734 4,775 SH   SOLE   4,775 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 841 4,770 SH   SOLE   4,770 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,938 6,300 SH   SOLE   6,300 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,672 25,568 SH   SOLE   24,548 0 1,020
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,511 335,596 SH   SOLE   331,971 0 3,625
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,902 131,585 SH   SOLE   131,100 0 485
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,424 67,055 SH   SOLE   66,585 0 470
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 35,606 870,569 SH   SOLE   861,394 0 9,175
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 11,308 139,727 SH   SOLE   138,702 0 1,025