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
SPDR S&P 500 ETF TR TR UNIT 78462F103 14,104 58,330 SH   SOLE   0 0 58,330
EXXON MOBIL CORP COM 30231G102 8,508 105,386 SH   SOLE   0 0 105,386
ISHARES TR INTERM CR BD ETF 464288638 5,223 47,580 SH   SOLE   0 0 47,580
RYDEX ETF TRUST GUG S&P500 EQ WT 78355W106 4,678 50,472 SH   SOLE   0 0 50,472
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 4,077 40,219 SH   SOLE   0 0 40,219
ISHARES TR RUSSELL 2000 ETF 464287655 3,910 27,746 SH   SOLE   0 0 27,746
FIRST TR EXCHANGE-TRADED FD PFD SECS INC ETF 33739E108 2,979 148,881 SH   SOLE   0 0 148,881
VANGUARD INDEX FDS REIT ETF 922908553 2,699 32,433 SH   SOLE   0 0 32,433
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 2,616 123,054 SH   SOLE   0 0 123,054
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,538 79,870 SH   SOLE   0 0 79,870
ISHARES TR CORE MSCI EAFE 46432F842 2,357 38,701 SH   SOLE   0 0 38,701
MICROSOFT CORP COM 594918104 2,195 31,838 SH   SOLE   0 0 31,838
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,082 56,615 SH   SOLE   0 0 56,615
VANGUARD INDEX FDS MID CAP ETF 922908629 2,067 14,504 SH   SOLE   0 0 14,504
ISHARES TR 1-3 YR CR BD ETF 464288646 2,037 19,343 SH   SOLE   0 0 19,343
JOHNSON & JOHNSON COM 478160104 1,870 14,133 SH   SOLE   0 0 14,133
POWERSHARES ETF TRUST II SENIOR LN PORT 73936Q769 1,658 71,655 SH   SOLE   0 0 71,655
GENERAL ELECTRIC CO COM 369604103 1,630 60,361 SH   SOLE   0 0 60,361
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 1,519 70,704 SH   SOLE   0 0 70,704
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,495 15,296 SH   SOLE   0 0 15,296
ISHARES TR CORE S&P500 ETF 464287200 1,430 5,876 SH   SOLE   0 0 5,876
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,410 17,523 SH   SOLE   0 0 17,523
ISHARES TR MSCI EAFE ETF 464287465 1,408 21,594 SH   SOLE   0 0 21,594
JPMORGAN CHASE & CO COM 46625H100 1,387 15,178 SH   SOLE   0 0 15,178
CSX CORP COM 126408103 1,291 23,666 SH   SOLE   0 0 23,666
ILLINOIS TOOL WKS INC COM 452308109 1,257 8,772 SH   SOLE   0 0 8,772
AMGEN INC COM 031162100 1,232 7,155 SH   SOLE   0 0 7,155
HOME DEPOT INC COM 437076102 1,211 7,895 SH   SOLE   0 0 7,895
PEPSICO INC COM 713448108 1,208 10,457 SH   SOLE   0 0 10,457
PAYPAL HLDGS INC COM 70450Y103 1,147 21,365 SH   SOLE   0 0 21,365
DU PONT E I DE NEMOURS & CO COM 263534109 1,105 13,686 SH   SOLE   0 0 13,686
WAL-MART STORES INC COM 931142103 1,067 14,093 SH   SOLE   0 0 14,093
FACEBOOK INC CL A 30303M102 1,044 6,915 SH   SOLE   0 0 6,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,023 25,064 SH   SOLE   0 0 25,064
WELLS FARGO CO NEW COM 949746101 979 17,674 SH   SOLE   0 0 17,674
PFIZER INC COM 717081103 959 28,547 SH   SOLE   0 0 28,547
CHEVRON CORP NEW COM 166764100 953 9,133 SH   SOLE   0 0 9,133
INTEL CORP COM 458140100 946 28,034 SH   SOLE   0 0 28,034
VISA INC COM CL A 92826C839 870 9,272 SH   SOLE   0 0 9,272
AETNA INC NEW COM 00817Y108 857 5,647 SH   SOLE   0 0 5,647
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 847 25,185 SH   SOLE   0 0 25,185
MONDELEZ INTL INC CL A 609207105 843 19,508 SH   SOLE   0 0 19,508
BANK AMER CORP COM 060505104 782 32,243 SH   SOLE   0 0 32,243
ISHARES TR INTL SEL DIV ETF 464288448 773 23,638 SH   SOLE   0 0 23,638
VERIZON COMMUNICATIONS INC COM 92343V104 769 17,215 SH   SOLE   0 0 17,215
CHEMICAL FINL CORP COM 163731102 768 15,872 SH   SOLE   0 0 15,872
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 764 30,755 SH   SOLE   0 0 30,755
AMAZON COM INC COM 023135106 730 754 SH   SOLE   0 0 754
LOCKHEED MARTIN CORP COM 539830109 715 2,574 SH   SOLE   0 0 2,574
YUM BRANDS INC COM 988498101 714 9,682 SH   SOLE   0 0 9,682
CITIGROUP INC COM NEW 172967424 706 10,563 SH   SOLE   0 0 10,563
BRISTOL MYERS SQUIBB CO COM 110122108 699 12,551 SH   SOLE   0 0 12,551
APPLE INC COM 037833100 681 4,727 SH   SOLE   0 0 4,727
AUTOMATIC DATA PROCESSING IN COM 053015103 680 6,638 SH   SOLE   0 0 6,638
GOLDMAN SACHS GROUP INC COM 38141G104 667 3,004 SH   SOLE   0 0 3,004
ISHARES TR U.S. PFD STK ETF 464288687 649 16,556 SH   SOLE   0 0 16,556
WASTE MGMT INC DEL COM 94106L109 648 8,829 SH   SOLE   0 0 8,829
PROCTER AND GAMBLE CO COM 742718109 635 7,285 SH   SOLE   0 0 7,285
MEDTRONIC PLC SHS G5960L103 635 7,152 SH   SOLE   0 0 7,152
ISHARES TR NASDQ BIOTEC ETF 464287556 634 2,045 SH   SOLE   0 0 2,045
CDK GLOBAL INC COM 12508E101 587 9,463 SH   SOLE   0 0 9,463
DUKE ENERGY CORP NEW COM NEW 26441C204 586 7,008 SH   SOLE   0 0 7,008
INTERCONTINENTAL EXCHANGE IN COM 45866F104 581 8,820 SH   SOLE   0 0 8,820
STRYKER CORP COM 863667101 568 4,090 SH   SOLE   0 0 4,090
DISNEY WALT CO COM DISNEY 254687106 541 5,090 SH   SOLE   0 0 5,090
BLUE BUFFALO PET PRODS INC COM 09531U102 540 23,660 SH   SOLE   0 0 23,660
CISCO SYS INC COM 17275R102 532 17,008 SH   SOLE   0 0 17,008
ALTRIA GROUP INC COM 02209S103 519 6,966 SH   SOLE   0 0 6,966
CATERPILLAR INC DEL COM 149123101 508 4,724 SH   SOLE   0 0 4,724
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 506 7,922 SH   SOLE   0 0 7,922
NEXTERA ENERGY INC COM 65339F101 506 3,610 SH   SOLE   0 0 3,610
FAIR ISAAC CORP COM 303250104 506 3,630 SH   SOLE   0 0 3,630
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 491 8,491 SH   SOLE   0 0 8,491
COCA COLA CO COM 191216100 491 10,946 SH   SOLE   0 0 10,946
JOHNSON CTLS INTL PLC SHS 478366107 484 11,165 SH   SOLE   0 0 11,165
AT&T INC COM 00206R102 479 12,706 SH   SOLE   0 0 12,706
EDWARDS LIFESCIENCES CORP COM 28176E108 477 4,038 SH   SOLE   0 0 4,038
MERCK & CO INC COM 58933Y105 472 7,362 SH   SOLE   0 0 7,362
WISDOMTREE INVTS INC COM 97717P104 468 46,023 SH   SOLE   0 0 46,023
CA INC COM 12673P105 461 13,370 SH   SOLE   0 0 13,370
ADOBE SYS INC COM 00724F101 456 3,221 SH   SOLE   0 0 3,221
ORACLE CORP COM 68389X105 452 9,014 SH   SOLE   0 0 9,014
SCHWAB CHARLES CORP NEW COM 808513105 449 10,443 SH   SOLE   0 0 10,443
WILLIAMS COS INC DEL COM 969457100 446 14,743 SH   SOLE   0 0 14,743
INTERNATIONAL BUSINESS MACHS COM 459200101 444 2,885 SH   SOLE   0 0 2,885
ISHARES INC CORE MSCI EMKT 46434G103 439 8,775 SH   SOLE   0 0 8,775
ISHARES TR RUS 1000 ETF 464287622 431 3,187 SH   SOLE   0 0 3,187
METLIFE INC COM 59156R108 394 7,178 SH   SOLE   0 0 7,178
3M CO COM 88579Y101 387 1,861 SH   SOLE   0 0 1,861
ABBVIE INC COM 00287Y109 378 5,210 SH   SOLE   0 0 5,210
UNITED TECHNOLOGIES CORP COM 913017109 374 3,060 SH   SOLE   0 0 3,060
ISHARES TR MSCI EMG MKT ETF 464287234 372 8,980 SH   SOLE   0 0 8,980
TEXAS INSTRS INC COM 882508104 356 4,628 SH   SOLE   0 0 4,628
ISHARES TR RUS 1000 GRW ETF 464287614 355 2,980 SH   SOLE   0 0 2,980
FIRST TR EXCHANGE TRADED FD NO AMER ENERGY 33738D101 355 14,470 SH   SOLE   0 0 14,470
FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF 33738R605 344 13,850 SH   SOLE   0 0 13,850
BRUNSWICK CORP COM 117043109 340 5,420 SH   SOLE   0 0 5,420
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 339 7,045 SH   SOLE   0 0 7,045
ISHARES TR RUS MID CAP ETF 464287499 338 1,759 SH   SOLE   0 0 1,759
ABBOTT LABS COM 002824100 328 6,745 SH   SOLE   0 0 6,745
AMERICAN EXPRESS CO COM 025816109 322 3,825 SH   SOLE   0 0 3,825
YUM CHINA HLDGS INC COM 98850P109 320 8,127 SH   SOLE   0 0 8,127
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 317 6,300 SH   SOLE   0 0 6,300
KRAFT HEINZ CO COM 500754106 315 3,684 SH   SOLE   0 0 3,684
THERMO FISHER SCIENTIFIC INC COM 883556102 314 1,800 SH   SOLE   0 0 1,800
UNITEDHEALTH GROUP INC COM 91324P102 312 1,680 SH   SOLE   0 0 1,680
ISHARES TR CHINA LG-CAP ETF 464287184 312 7,852 SH   SOLE   0 0 7,852
SEMTECH CORP COM 816850101 309 8,645 SH   SOLE   0 0 8,645
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 306 3,300 SH   SOLE   0 0 3,300
CONOCOPHILLIPS COM 20825C104 282 6,415 SH   SOLE   0 0 6,415
CHUBB LIMITED COM H1467J104 274 1,884 SH   SOLE   0 0 1,884
FIRST TR EXCHANGE TRADED FD SENIOR LN FD 33738D309 274 5,660 SH   SOLE   0 0 5,660
DOW CHEM CO COM 260543103 263 4,174 SH   SOLE   0 0 4,174
ALLSCRIPTS HEALTHCARE SOLUTN COM 01988P108 252 19,735 SH   SOLE   0 0 19,735
SPDR GOLD TRUST GOLD SHS 78463V107 245 2,080 SH   SOLE   0 0 2,080
MARATHON OIL CORP COM 565849106 238 20,105 SH   SOLE   0 0 20,105
UMPQUA HLDGS CORP COM 904214103 232 12,650 SH   SOLE   0 0 12,650
BANK NEW YORK MELLON CORP COM 064058100 232 4,554 SH   SOLE   0 0 4,554
DTE ENERGY CO COM 233331107 229 2,163 SH   SOLE   0 0 2,163
INGERSOLL-RAND PLC SHS G47791101 226 2,475 SH   SOLE   0 0 2,475
TRAVELERS COMPANIES INC COM 89417E109 219 1,733 SH   SOLE   0 0 1,733
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 212 4,055 SH   SOLE   0 0 4,055
ISHARES S&P GSCI COMMODITY I UNIT BEN INT 46428R107 210 15,000 SH   SOLE   0 0 15,000
HALLIBURTON CO COM 406216101 207 4,836 SH   SOLE   0 0 4,836
ISHARES TR S&P 100 ETF 464287101 203 1,900 SH   SOLE   0 0 1,900
GILEAD SCIENCES INC COM 375558103 202 2,850 SH   SOLE   0 0 2,850
CLAYMORE EXCHANGE TRD FD TR GUG BUL 2019 HY 18383M373 200 8,124 SH   SOLE   0 0 8,124
HUNTINGTON BANCSHARES INC COM 446150104 154 11,409 SH   SOLE   0 0 11,409
FORD MTR CO DEL COM PAR $0.01 345370860 148 13,268 SH   SOLE   0 0 13,268
MACATAWA BK CORP COM 554225102 96 10,095 SH   SOLE   0 0 10,095
ZYNGA INC CL A 98986T108 36 10,000 SH   SOLE   0 0 10,000