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 217 1,678 SH   SOLE   1,438 0 240
ABBOTT LABS COM 002824100 419 3,858 SH   SOLE   3,858 0 0
ABBVIE INC COM 00287Y109 6,810 44,462 SH   SOLE   43,509 0 953
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,004 8,206 SH   SOLE   8,101 0 105
ALPHABET INC CAP STK CL A 02079K305 3,766 1,728 SH   SOLE   1,712 0 16
ALPHABET INC CAP STK CL C 02079K107 658 301 SH   SOLE   297 0 4
AMAZON COM INC COM 023135106 8,490 79,935 SH   SOLE   79,437 0 498
AMERICAN EXPRESS CO COM 025816109 494 3,561 SH   SOLE   3,527 0 34
AMERISOURCEBERGEN CORP COM 03073E105 2,253 15,926 SH   SOLE   15,891 0 35
AMGEN INC COM 031162100 224 919 SH   SOLE   469 0 450
APPLE INC COM 037833100 19,552 143,010 SH   SOLE   142,443 0 567
AT&T INC COM 00206R102 1,088 51,899 SH   SOLE   47,285 0 4,614
AUTODESK INC COM 052769106 231 1,343 SH   SOLE   69 0 1,274
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 927 3,394 SH   SOLE   3,394 0 0
BK OF AMERICA CORP COM 060505104 335 10,751 SH   SOLE   9,927 0 824
BLACKSTONE INC COM 09260D107 294 3,224 SH   SOLE   3,224 0 0
BOEING CO COM 097023105 2,257 16,507 SH   SOLE   16,146 0 361
BP PLC SPONSORED ADR 055622104 205 7,230 SH   SOLE   7,105 0 125
BRISTOL-MYERS SQUIBB CO COM 110122108 5,423 70,423 SH   SOLE   69,977 0 446
BROADCOM INC COM 11135F101 300 618 SH   SOLE   30 0 588
CATERPILLAR INC COM 149123101 5,009 28,019 SH   SOLE   27,593 0 426
CHEVRON CORP NEW COM 166764100 2,687 18,560 SH   SOLE   17,867 0 693
CISCO SYS INC COM 17275R102 233 5,458 SH   SOLE   5,224 0 234
COCA COLA CO COM 191216100 3,835 60,955 SH   SOLE   57,674 0 3,281
COLGATE PALMOLIVE CO COM 194162103 241 3,006 SH   SOLE   2,106 0 900
COMCAST CORP NEW CL A 20030N101 471 12,002 SH   SOLE   3,983 0 8,019
COSTCO WHSL CORP NEW COM 22160K105 7,476 15,598 SH   SOLE   15,496 0 102
CVS HEALTH CORP COM 126650100 2,937 31,691 SH   SOLE   31,672 0 19
DANAHER CORPORATION COM 235851102 6,921 27,301 SH   SOLE   26,993 0 308
DEERE & CO COM 244199105 205 683 SH   SOLE   48 0 635
DISNEY WALT CO COM 254687106 513 5,429 SH   SOLE   5,429 0 0
DOCUSIGN INC COM 256163106 306 5,337 SH   SOLE   4,208 0 1,129
DTE ENERGY CO COM 233331107 867 6,839 SH   SOLE   6,614 0 225
DUKE ENERGY CORP NEW COM NEW 26441C204 471 4,391 SH   SOLE   4,391 0 0
EATON CORP PLC SHS G29183103 201 1,599 SH   SOLE   1,599 0 0
EXXON MOBIL CORP COM 30231G102 2,107 24,600 SH   SOLE   24,551 0 49
FORD MTR CO DEL COM 345370860 465 41,759 SH   SOLE   41,759 0 0
GALLAGHER ARTHUR J & CO COM 363576109 6,236 38,247 SH   SOLE   38,166 0 81
GENTEX CORP COM 371901109 2,968 106,117 SH   SOLE   104,827 0 1,290
GLOBAL PMTS INC COM 37940X102 2,602 23,519 SH   SOLE   23,086 0 433
GOLDMAN SACHS GROUP INC COM 38141G104 3,912 13,171 SH   SOLE   13,144 0 27
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 574 13,259 SH   SOLE   13,259 0 0
HOME DEPOT INC COM 437076102 938 3,418 SH   SOLE   2,751 0 667
HONEYWELL INTL INC COM 438516106 318 1,831 SH   SOLE   1,282 0 549
HORMEL FOODS CORP COM 440452100 2,610 55,117 SH   SOLE   54,987 0 130
HP INC COM 40434L105 2,920 89,078 SH   SOLE   88,368 0 710
INTEL CORP COM 458140100 535 14,294 SH   SOLE   14,195 0 99
INTUITIVE SURGICAL INC COM NEW 46120E602 3,677 18,321 SH   SOLE   18,177 0 144
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,474 23,444 SH   SOLE   22,964 0 480
INVESCO QQQ TR UNIT SER 1 46090E103 5,110 18,232 SH   SOLE   17,677 0 555
ISHARES GOLD TR ISHARES NEW 464285204 7,321 213,374 SH   SOLE   210,993 0 2,381
ISHARES INC CORE MSCI EMKT 46434G103 4,972 101,352 SH   SOLE   100,605 0 747
ISHARES INC ESG AWR MSCI EM 46434G863 237 7,334 SH   SOLE   7,334 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 39,656 390,968 SH   SOLE   386,218 0 4,750
ISHARES TR 0-5YR HI YL CP 46434V407 5,302 130,751 SH   SOLE   130,751 0 0
ISHARES TR COHEN STEER REIT 464287564 1,702 28,015 SH   SOLE   27,759 0 256
ISHARES TR CORE HIGH DV ETF 46429B663 496 4,943 SH   SOLE   4,943 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,318 243,301 SH   SOLE   240,362 0 2,939
ISHARES TR CORE MSCI INTL 46435G326 1,762 32,790 SH   SOLE   32,790 0 0
ISHARES TR CORE S&P MCP ETF 464287507 86,099 380,582 SH   SOLE   375,070 0 5,512
ISHARES TR CORE S&P SCP ETF 464287804 56,296 609,203 SH   SOLE   600,567 0 8,636
ISHARES TR CORE S&P TTL STK 464287150 791 9,436 SH   SOLE   7,715 0 1,721
ISHARES TR CORE S&P500 ETF 464287200 238,179 628,193 SH   SOLE   617,293 0 10,900
ISHARES TR ESG AW MSCI EAFE 46435G516 532 8,470 SH   SOLE   8,470 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 20,158 807,617 SH   SOLE   790,122 0 17,495
ISHARES TR IBONDS 27 ETF 46435UAA9 25,381 1,063,292 SH   SOLE   1,043,497 0 19,795
ISHARES TR IBONDS DEC 46435U697 956 36,770 SH   SOLE   36,770 0 0
ISHARES TR IBONDS DEC 25 46435U432 650 24,395 SH   SOLE   24,395 0 0
ISHARES TR IBONDS DEC 26 46435U259 321 12,650 SH   SOLE   12,650 0 0
ISHARES TR IBONDS DEC 29 46436E205 13,558 593,361 SH   SOLE   582,140 0 11,221
ISHARES TR IBONDS DEC2022 46435G755 1,585 61,160 SH   SOLE   61,160 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,577 61,840 SH   SOLE   61,840 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 25,667 1,078,910 SH   SOLE   1,064,808 0 14,102
ISHARES TR IBONDS DEC22 ETF 46434VBA7 20,781 830,909 SH   SOLE   822,085 0 8,824
ISHARES TR IBONDS DEC23 ETF 46434VAX8 26,449 1,054,167 SH   SOLE   1,039,491 0 14,676
ISHARES TR IBONDS DEC24 ETF 46434VBG4 28,170 1,138,170 SH   SOLE   1,125,301 0 12,869
ISHARES TR IBONDS DEC25 ETF 46434VBD1 26,901 1,089,114 SH   SOLE   1,075,493 0 13,621
ISHARES TR MSCI EAFE ETF 464287465 4,350 69,603 SH   SOLE   69,603 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 414 10,328 SH   SOLE   10,328 0 0
ISHARES TR NATIONAL MUN ETF 464288414 337 3,166 SH   SOLE   3,166 0 0
ISHARES TR RUS 1000 ETF 464287622 25,575 123,098 SH   SOLE   121,336 0 1,762
ISHARES TR RUS 1000 GRW ETF 464287614 2,422 11,077 SH   SOLE   10,952 0 125
ISHARES TR RUS 1000 VAL ETF 464287598 991 6,839 SH   SOLE   6,639 0 200
ISHARES TR RUS 2000 GRW ETF 464287648 328 1,589 SH   SOLE   1,589 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 215 1,577 SH   SOLE   1,577 0 0
ISHARES TR RUS MID CAP ETF 464287499 18,092 279,806 SH   SOLE   277,586 0 2,220
ISHARES TR RUSSELL 2000 ETF 464287655 11,747 69,360 SH   SOLE   68,983 0 377
ISHARES TR S&P 500 GRWT ETF 464287309 568 9,407 SH   SOLE   9,307 0 100
ISHARES TR S&P 500 VAL ETF 464287408 1,080 7,856 SH   SOLE   7,856 0 0
ISHARES TR S&P MC 400GR ETF 464287606 433 6,793 SH   SOLE   5,193 0 1,600
ISHARES TR S&P MC 400VL ETF 464287705 428 4,535 SH   SOLE   4,535 0 0
ISHARES TR S&P SML 600 GWT 464287887 344 3,270 SH   SOLE   2,270 0 1,000
ISHARES TR SELECT DIVID ETF 464287168 297 2,521 SH   SOLE   2,521 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 605 5,782 SH   SOLE   5,782 0 0
ISHARES TR SP SMCP600VL ETF 464287879 227 2,555 SH   SOLE   2,555 0 0
ISHARES TR TIPS BD ETF 464287176 1,577 13,846 SH   SOLE   13,771 0 75
JOHNSON & JOHNSON COM 478160104 1,448 8,156 SH   SOLE   7,576 0 580
JPMORGAN CHASE & CO COM 46625H100 6,978 61,966 SH   SOLE   59,725 0 2,241
KEYCORP COM 493267108 1,739 100,940 SH   SOLE   97,383 0 3,557
KIMBERLY-CLARK CORP COM 494368103 272 2,013 SH   SOLE   2,003 0 10
KINDER MORGAN INC DEL COM 49456B101 1,518 90,601 SH   SOLE   90,269 0 332
KROGER CO COM 501044101 278 5,875 SH   SOLE   5,875 0 0
LENNOX INTL INC COM 526107107 1,619 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 697 2,150 SH   SOLE   2,131 0 19
LINCOLN ELEC HLDGS INC COM 533900106 370 3,000 SH   SOLE   3,000 0 0
LOCKHEED MARTIN CORP COM 539830109 404 940 SH   SOLE   940 0 0
LOWES COS INC COM 548661107 7,230 41,392 SH   SOLE   41,229 0 163
MASTERCARD INCORPORATED CL A 57636Q104 211 670 SH   SOLE   653 0 17
MCDONALDS CORP COM 580135101 228 925 SH   SOLE   921 0 4
MERCK & CO INC COM 58933Y105 618 6,776 SH   SOLE   5,276 0 1,500
META PLATFORMS INC CL A 30303M102 4,079 25,298 SH   SOLE   25,246 0 52
MICROSOFT CORP COM 594918104 13,979 54,429 SH   SOLE   53,099 0 1,330
NEXTERA ENERGY INC COM 65339F101 220 2,835 SH   SOLE   2,778 0 57
NUCOR CORP COM 670346105 3,466 33,194 SH   SOLE   32,898 0 296
NVIDIA CORPORATION COM 67066G104 3,829 25,262 SH   SOLE   24,823 0 439
OAK STR HEALTH INC COM 67181A107 632 38,442 SH   SOLE   38,077 0 365
ORACLE CORP COM 68389X105 421 6,024 SH   SOLE   6,024 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 284 449 SH   SOLE   445 0 4
PAYCHEX INC COM 704326107 264 2,321 SH   SOLE   2,321 0 0
PEPSICO INC COM 713448108 693 4,161 SH   SOLE   3,244 0 917
PFIZER INC COM 717081103 784 14,950 SH   SOLE   14,950 0 0
PHILIP MORRIS INTL INC COM 718172109 335 3,388 SH   SOLE   2,338 0 1,050
PROCTER AND GAMBLE CO COM 742718109 4,879 33,935 SH   SOLE   33,401 0 534
PROGRESSIVE CORP COM 743315103 1,206 10,369 SH   SOLE   10,217 0 152
PROLOGIS INC. COM 74340W103 3,594 30,550 SH   SOLE   30,269 0 281
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,698 28,072 SH   SOLE   27,974 0 98
ROCKWELL MED INC COM NEW 774374300 17 12,927 SH   SOLE   12,927 0 0
ROPER TECHNOLOGIES INC COM 776696106 5,657 14,335 SH   SOLE   14,239 0 96
SCHWAB CHARLES CORP COM 808513105 226 3,574 SH   SOLE   3,574 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 299 11,763 SH   SOLE   11,763 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 729 23,194 SH   SOLE   23,194 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,511 34,186 SH   SOLE   34,166 0 20
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 525 7,324 SH   SOLE   7,324 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,369 53,046 SH   SOLE   53,046 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 752 11,982 SH   SOLE   11,982 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 582 14,925 SH   SOLE   14,531 0 394
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,493 48,849 SH   SOLE   48,849 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 998 31,730 SH   SOLE   31,730 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 471 3,671 SH   SOLE   3,671 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 491 3,866 SH   SOLE   3,866 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,136 23,052 SH   SOLE   23,009 0 43
SNAP ON INC COM 833034101 3,496 17,742 SH   SOLE   17,619 0 123
SNOWFLAKE INC CL A 833445109 1,991 14,317 SH   SOLE   13,855 0 462
SONOS INC COM 83570H108 187 10,350 SH   SOLE   10,350 0 0
SOUTHERN CO COM 842587107 356 4,997 SH   SOLE   4,997 0 0
SPDR GOLD TR GOLD SHS 78463V107 290 1,724 SH   SOLE   1,724 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,029 18,633 SH   SOLE   18,354 0 279
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 993 2,400 SH   SOLE   2,400 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 34,678 1,437,725 SH   SOLE   1,421,740 0 15,985
SPDR SER TR S&P METALS MNG 78464A755 283 6,529 SH   SOLE   6,529 0 0
STARBUCKS CORP COM 855244109 233 3,055 SH   SOLE   3,055 0 0
STERIS PLC SHS USD G8473T100 201 975 SH   SOLE   975 0 0
STRYKER CORPORATION COM 863667101 9,036 45,425 SH   SOLE   45,092 0 333
SYNOPSYS INC COM 871607107 9,833 32,378 SH   SOLE   32,313 0 65
TARGET CORP COM 87612E106 438 3,101 SH   SOLE   3,092 0 9
TESLA INC COM 88160R101 1,432 2,127 SH   SOLE   2,114 0 13
TIMOTHY PLAN HIG DV STK ETF 887432326 429 14,500 SH   SOLE   14,500 0 0
TJX COS INC NEW COM 872540109 4,549 81,442 SH   SOLE   81,224 0 218
UNITED PARCEL SERVICE INC CL B 911312106 11,076 60,678 SH   SOLE   60,678 0 0
UNITED RENTALS INC COM 911363109 3,027 12,462 SH   SOLE   12,387 0 75
UNITEDHEALTH GROUP INC COM 91324P102 8,248 16,058 SH   SOLE   15,098 0 960
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 236 1,800 SH   SOLE   1,800 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 273 1,226 SH   SOLE   1,136 0 90
VANGUARD INDEX FDS MID CAP ETF 922908629 1,010 5,126 SH   SOLE   5,121 0 5
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,616 39,692 SH   SOLE   39,182 0 510
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,863 8,254 SH   SOLE   8,137 0 117
VANGUARD INDEX FDS SMALL CP ETF 922908751 802 4,555 SH   SOLE   4,523 0 32
VANGUARD INDEX FDS SML CP GRW ETF 922908595 300 1,523 SH   SOLE   1,392 0 131
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,823 83,888 SH   SOLE   83,822 0 66
VANGUARD INDEX FDS VALUE ETF 922908744 18,623 141,210 SH   SOLE   137,550 0 3,660
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 29,880 717,409 SH   SOLE   707,488 0 9,921
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 933 18,683 SH   SOLE   18,683 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,777 159,668 SH   SOLE   158,660 0 1,008
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 22,861 299,773 SH   SOLE   298,465 0 1,308
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 73,544 1,802,546 SH   SOLE   1,779,045 0 23,501
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 11,660 114,653 SH   SOLE   114,353 0 300
VERIZON COMMUNICATIONS INC COM 92343V104 324 6,385 SH   SOLE   4,072 0 2,313
VERTEX PHARMACEUTICALS INC COM 92532F100 364 1,291 SH   SOLE   40 0 1,251
VISA INC COM CL A 92826C839 250 1,270 SH   SOLE   1,262 0 8
WARNER BROS DISCOVERY INC COM SER A 934423104 219 16,345 SH   SOLE   11,520 0 4,825
WASTE MGMT INC DEL COM 94106L109 219 1,434 SH   SOLE   1,434 0 0
XPO LOGISTICS INC COM 983793100 639 13,259 SH   SOLE   13,259 0 0