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
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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
AT&T Corp COM 00206R102 1,246 42,740 SH   SOLE   26,740 0 16,000
Abbott Labs COM 002824100 263 3,335 SH   SOLE   90 0 3,245
Alphabet, Inc - Cl A COM 02079K305 2,064 1,776 SH   SOLE   1,157 0 619
Alphabet, Inc - Cl C COM 02079K107 1,001 861 SH   SOLE   416 0 445
Altria Group COM 02209S103 964 24,917 SH   SOLE   15,540 0 9,377
Apple Inc COM 037833100 3,170 12,466 SH   SOLE   7,600 0 4,866
Becton Dickinson & Co COM 075887109 2,160 9,399 SH   SOLE   6,063 0 3,336
Chevron Corp COM 166764100 1,347 18,589 SH   SOLE   12,212 0 6,377
Colgate-Palmolive COM 194162103 1,061 15,993 SH   SOLE   12,853 0 3,140
Comcast Corp Cl A COM 20030N101 1,531 44,540 SH   SOLE   26,523 0 18,017
FedEx Corp COM 31428X106 502 4,139 SH   SOLE   2,747 0 1,392
Gentex Corp. COM 371901109 1,694 76,432 SH   SOLE   49,149 0 27,283
Honeywell Int'l COM 438516106 1,674 12,513 SH   SOLE   7,947 0 4,566
Intercontinental Exchange Grou COM 45866F104 2,222 27,511 SH   SOLE   17,712 0 9,799
Johnson & Johnson COM 478160104 1,314 10,019 SH   SOLE   5,207 0 4,812
MetLife Inc COM 59156R108 967 31,647 SH   SOLE   20,572 0 11,075
SPDR S&P Biotech ETF COM 78464A870 1,877 24,239 SH   SOLE   15,708 0 8,531
SPDR S&P Oil & Gas Exploration COM 78464A730 207 6,302 SH   SOLE   4,111 0 2,191
SPDR S&P Regional Banking ETF COM 78464A698 1,267 38,892 SH   SOLE   24,153 0 14,739
SPDR Sector - Consumer Discret COM 81369Y407 2,360 24,061 SH   SOLE   15,443 0 8,618
SPDR Sector - Consumer Staples COM 81369y308 2,005 36,814 SH   SOLE   24,019 0 12,795
SPDR Sector - Energy ETF COM 81369y506 373 12,836 SH   SOLE   8,936 0 3,900
SPDR Sector - Financial ETF COM 81369Y605 1,466 70,432 SH   SOLE   45,530 0 24,902
SPDR Sector - Healthcare ETF COM 81369y209 2,892 32,650 SH   SOLE   21,972 0 10,678
SPDR Sector - Industrial ETF COM 81369y704 695 11,783 SH   SOLE   6,344 0 5,439
SPDR Sector - Materials ETF COM 81369y100 1,584 35,170 SH   SOLE   21,733 0 13,437
SPDR Sector - Technology ETF COM 81369y803 6,289 78,245 SH   SOLE   47,192 0 31,053
SPDR Sector Real Estate ETF COM 81369Y860 466 15,021 SH   SOLE   8,632 0 6,389
State Street Corp COM 857477103 1,599 30,015 SH   SOLE   22,195 0 7,820
Tractor Supply Company COM 892356106 1,777 21,021 SH   SOLE   13,364 0 7,657
United Parcel Service Inc Cl B COM 911312106 1,428 15,284 SH   SOLE   9,906 0 5,378
Vanguard Energy ETF COM 92204a306 827 21,643 SH   SOLE   13,704 0 7,939
Vanguard Information Technolog COM 92204A702 311 1,470 SH   SOLE   1,470 0 0
Visa, Inc. COM 92826C839 2,004 12,438 SH   SOLE   7,231 0 5,207
SPDR S&P 500 ETF FD ETF 78462f103 3,183 12,348 SH   SOLE   8,726 0 3,622
Schwab US Large Cap Growth ETF FD ETF 808524300 941 11,815 SH   SOLE   11,658 0 157
Schwab US Large Cap Value ETF FD ETF 808524409 615 13,901 SH   SOLE   13,687 0 214
Schwab US Mid-Cap ETF FD ETF 808524508 244 5,778 SH   SOLE   5,778 0 0
Vanguard Emerging Market ETF FD ETF 922042858 2,123 63,277 SH   SOLE   46,404 0 16,873
Vanguard Total Int'l Stock Ind FD ETF 921909768 3,268 77,888 SH   SOLE   62,035 0 15,853
Vanguard U.S. Total Stock Mark FD ETF 922908769 3,579 27,762 SH   SOLE   25,708 0 2,054
iShares Core MSCI Emerging Mar FD ETF 46434G103 293 7,234 SH   SOLE   7,234 0 0
iShares MSCI Pacific ex-Japan FD ETF 464286665 1,419 41,860 SH   SOLE   27,620 0 14,240
PIMCO Enhanced Short Maturity FD ETF 72201R833 2,493 25,183 SH   SOLE   18,334 0 6,849
SPDR Barclays Convertible Secu FD ETF 78464A359 314 6,553 SH   SOLE   4,147 0 2,406
SPDR Portfolio Short Term Corp FD ETF 78464A474 3,104 102,610 SH   SOLE   95,416 0 7,194
Schwab Short Term U.S. Treasur FD ETF 808524862 2,799 54,107 SH   SOLE   42,907 0 11,200
Schwab U.S. Aggregate Bond ETF FD ETF 808524839 371 6,845 SH   SOLE   6,845 0 0
Schwab U.S. TIPS ETF FD ETF 808524870 2,551 44,357 SH   SOLE   36,482 0 7,875
Vanguard Mortgage-Backed Secur FD ETF 92206C771 4,641 85,163 SH   SOLE   68,116 0 17,047
Vanguard Short Term Corp Bond FD ETF 92206c409 6,104 77,174 SH   SOLE   58,832 0 18,342
Vanguard Short-Term Bond ETF FD ETF 921937827 1,641 19,966 SH   SOLE   19,051 0 915
Vanguard Total Bond Market ETF FD ETF 921937835 5,896 69,076 SH   SOLE   49,257 0 19,819
Vanguard Total International B FD ETF 92203J407 1,147 20,394 SH   SOLE   17,382 0 3,012
Xtrackers USD High Yield Corp FD ETF 233051432 2,485 56,396 SH   SOLE   42,420 0 13,976
iShares Barclays 1-3 Yr Treasu FD ETF 464287457 972 11,212 SH   SOLE   9,418 0 1,794
iShares Core Total US Bond Mar FD ETF 464287226 211 1,825 SH   SOLE   1,825 0 0
iShares Floating Rate Bond ETF FD ETF 46429B655 704 14,445 SH   SOLE   10,233 0 4,212
iShares Intermediate Gov/Credi FD ETF 464288612 4,721 41,151 SH   SOLE   33,529 0 7,622
iShares Short-Term Corporate B FD ETF 464288646 3,176 60,666 SH   SOLE   43,675 0 16,991
iShares US Treasury Bond ETF FD ETF 46429B267 1,143 40,806 SH   SOLE   36,027 0 4,779
SPDR Nuveen Barclay's Short-Te FD ETF 78468R739 497 10,160 SH   SOLE   3,435 0 6,725
SPDR Nuveen S&P High Yld Muni FD ETF 78464A284 749 13,693 SH   SOLE   12,240 0 1,453
VanEck Vectors High-Yield Muni FD ETF 92189H409 229 4,377 SH   SOLE   345 0 4,032
Vanguard Tax-Exempt Bond Index FD ETF 922907746 917 17,336 SH   SOLE   13,729 0 3,607