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
Amazon Com Inc COM 023135106 340 196 SH   SOLE   0 0 196
American Elec Pwr Inc COM 025537101 264 2,814 SH   SOLE   0 0 2,814
Apple Computer Inc COM 037833100 615 2,748 SH   SOLE   0 0 2,748
Berkshire Hathaway B New COM 084670702 376 1,809 SH   SOLE   0 0 1,809
BGI i Shares/TIPS ETF 464287176 808 6,945 SH   SOLE   0 0 6,945
Boeing Co COM 097023105 205 540 SH   SOLE   0 0 540
Coca Cola Company COM 191216100 204 3,752 SH   SOLE   0 0 3,752
Comcast Corp New Cl A COM 20030N101 308 6,831 SH   SOLE   0 0 6,831
Disney Company COM 254687106 241 1,853 SH   SOLE   0 0 1,853
DTE Energy Company COM 233331107 323 2,428 SH   SOLE   0 0 2,428
Exxon Mobil Corporation COM 30231G102 493 6,976 SH   SOLE   0 0 6,976
Facebook Inc Class A COM 30303M102 444 2,496 SH   SOLE   0 0 2,496
Heartland Finl Usa COM 42234Q102 2,139 47,808 SH   SOLE   0 0 47,808
Invesco QQQ Trust ETF 46090E103 732 3,876 SH   SOLE   0 0 3,876
iShares Aggregate Bond Fd ETF 464287226 2,166 19,135 SH   SOLE   0 0 19,135
iShares C&S Real Estate ETF 464287564 547 4,559 SH   SOLE   0 0 4,559
Ishares Core Msci Eafe ETF 46432F842 212 3,474 SH   SOLE   0 0 3,474
Ishares Intl Small Cap ETF 464288273 263 4,591 SH   SOLE   0 0 4,591
iShares MSCI Emrg Mkt ETF 464287234 267 6,529 SH   SOLE   0 0 6,529
iShares MSCI/EAFE Index ETF 464287465 987 15,135 SH   SOLE   0 0 15,135
iShares Russell 1000 ETF 464287622 1,148 6,978 SH   SOLE   0 0 6,978
iShares S&P 500 Growth ETF 464287309 2,422 13,454 SH   SOLE   0 0 13,454
iShares S&P 500 Index ETF 464287200 1,834 6,142 SH   SOLE   0 0 6,142
iShares S&P 500 Value ETF 464287408 1,038 8,709 SH   SOLE   0 0 8,709
iShares S&P Sm Cap Value ETF 464287879 487 3,245 SH   SOLE   0 0 3,245
iShares Tr Barclays Bond ETF 464287457 1,066 12,573 SH   SOLE   0 0 12,573
JPMorgan Chase & Co. COM 46625H100 252 2,145 SH   SOLE   0 0 2,145
Lilly Eli & Company COM 532457108 384 3,433 SH   SOLE   0 0 3,433
Microsoft Corp COM 594918104 321 2,308 SH   SOLE   0 0 2,308
Mid Cap S P D R TRUST ETF 78467Y107 5,000 14,186 SH   SOLE   0 0 14,186
Nike Inc Class B COM 654106103 388 4,129 SH   SOLE   0 0 4,129
Northrop Grumman Corp COM 666807102 804 2,144 SH   SOLE   0 0 2,144
Oracle Corporation COM 68389X105 234 4,250 SH   SOLE   0 0 4,250
Pfizer Incorporated COM 717081103 244 6,802 SH   SOLE   0 0 6,802
Russell 1000/ Lrg. Growth ETF 464287614 2,911 18,239 SH   SOLE   0 0 18,239
Russell 1000/ Lrg. Value ETF 464287598 3,939 30,713 SH   SOLE   0 0 30,713
Russell 2000/ Small Value ETF 464287630 898 7,517 SH   SOLE   0 0 7,517
Russell 2000/Small Blend ETF 464287655 6,781 44,804 SH   SOLE   0 0 44,804
Russell 3000 ETF 464287689 13,173 75,809 SH   SOLE   0 0 75,809
Schw US Brd Mkt Etf ETF 808524102 2,466 34,728 SH   SOLE   0 0 34,728
SCHWAB STRATEGIC TR INTRM TRM ETF 808524854 720 12,950 SH   SOLE   0 0 12,950
SCHWAB STRATEGIC TR SHT TM US ETF 808524862 607 12,000 SH   SOLE   0 0 12,000
SPDR Dow Jones Industrial Aver ETF 78467X109 219 815 SH   SOLE   0 0 815
SPDR Trust (S&P 500) ETF 78462F103 12,799 43,129 SH   SOLE   0 0 43,129
Vanguard ESG Int'l ETF ETF 921910725 4,132 83,848 SH   SOLE   0 0 83,848
Vanguard ESG U.S. Stock ETF ETF 921910733 7,916 152,495 SH   SOLE   0 0 152,495
Vanguard Growth ETF 922908736 1,236 7,432 SH   SOLE   0 0 7,432
Vanguard High Dividend ETF ETF 921946406 281 3,164 SH   SOLE   0 0 3,164
Vanguard Interm Bond Index ETF ETF 921937819 18,046 205,072 SH   SOLE   0 0 205,072
Vanguard Mega Cap Growth ETF 921910816 312 2,355 SH   SOLE   0 0 2,355
Vanguard Reit ETF 922908553 2,896 31,052 SH   SOLE   0 0 31,052
Vanguard S&P 500 Etf ETF 922908363 253 927 SH   SOLE   0 0 927
Vanguard Small Cap Value ETF 922908611 295 2,293 SH   SOLE   0 0 2,293
Vanguard ST Bond Idx ETF ETF 921937827 29,511 365,277 SH   SOLE   0 0 365,277
Vanguard Total Stock Mkt ETF 922908769 55,040 364,503 SH   SOLE   0 0 364,503
Vanguard Value ETF 922908744 5,049 45,234 SH   SOLE   0 0 45,234
Visa Inc Cl A COM 92826C839 238 1,383 SH   SOLE   0 0 1,383
Yum! Brands Inc COM 988498101 379 3,339 SH   SOLE   0 0 3,339