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
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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 222 114 SH   SOLE   0 0 114
American Elec Pwr Inc COM 025537101 276 3,449 SH   SOLE   0 0 3,449
Apple Computer Inc COM 037833100 906 3,562 SH   SOLE   0 0 3,562
Berkshire Hathaway B New COM 084670702 322 1,813 SH   SOLE   0 0 1,813
BGI i Shares/TIPS ETF 464287176 884 7,499 SH   SOLE   0 0 7,499
Comcast Corp New Cl A COM 20030N101 238 7,037 SH   SOLE   0 0 7,037
Disney Company COM 254687106 264 2,730 SH   SOLE   0 0 2,730
DTE Energy Company COM 233331107 232 2,446 SH   SOLE   0 0 2,446
Facebook Inc Class A COM 30303M102 410 2,456 SH   SOLE   0 0 2,456
Heartland Finl Usa COM 42234Q102 1,444 47,808 SH   SOLE   0 0 47,808
Intel Corp COM 458140100 275 5,080 SH   SOLE   0 0 5,080
Invesco QQQ Trust ETF 46090E103 738 3,876 SH   SOLE   0 0 3,876
iShares Aggregate Bond Fd ETF 464287226 2,109 18,279 SH   SOLE   0 0 18,279
iShares C&S Real Estate ETF 464287564 328 3,579 SH   SOLE   0 0 3,579
iShares MSCI Emrg Mkt ETF 464287234 223 6,529 SH   SOLE   0 0 6,529
iShares MSCI/EAFE Index ETF 464287465 775 14,496 SH   SOLE   0 0 14,496
iShares Russell 1000 ETF 464287622 887 6,271 SH   SOLE   0 0 6,271
iShares S&P 500 Growth ETF 464287309 2,138 12,953 SH   SOLE   0 0 12,953
iShares S&P 500 Index ETF 464287200 1,517 5,871 SH   SOLE   0 0 5,871
iShares S&P 500 Value ETF 464287408 782 8,129 SH   SOLE   0 0 8,129
iShares S&P Sm Cap Value ETF 464287879 296 2,957 SH   SOLE   0 0 2,957
iShares Tr Barclays Bond ETF 464287457 1,008 11,630 SH   SOLE   0 0 11,630
Lilly Eli & Company COM 532457108 505 3,643 SH   SOLE   0 0 3,643
Microsoft Corp COM 594918104 354 2,242 SH   SOLE   0 0 2,242
Mid Cap S P D R TRUST ETF 78467Y107 3,637 13,835 SH   SOLE   0 0 13,835
Nike Inc Class B COM 654106103 331 4,006 SH   SOLE   0 0 4,006
Northrop Grumman Corp COM 666807102 644 2,130 SH   SOLE   0 0 2,130
Oracle Corporation COM 68389X105 205 4,250 SH   SOLE   0 0 4,250
Russell 1000/ Lrg. Growth ETF 464287614 2,708 17,975 SH   SOLE   0 0 17,975
Russell 1000/ Lrg. Value ETF 464287598 2,880 29,035 SH   SOLE   0 0 29,035
Russell 2000/ Small Value ETF 464287630 491 5,986 SH   SOLE   0 0 5,986
Russell 2000/Small Blend ETF 464287655 5,018 43,845 SH   SOLE   0 0 43,845
Russell 3000 ETF 464287689 11,112 74,913 SH   SOLE   0 0 74,913
Schw US Brd Mkt Etf ETF 808524102 1,850 30,612 SH   SOLE   0 0 30,612
SCHWAB STRATEGIC TR INTRM TRM ETF 808524854 790 13,445 SH   SOLE   0 0 13,445
SCHWAB STRATEGIC TR SHT TM US ETF 808524862 625 12,085 SH   SOLE   0 0 12,085
SPDR Trust (S&P 500) ETF 78462F103 10,726 41,614 SH   SOLE   0 0 41,614
Vanguard Emerging Market ETF 922042858 332 9,882 SH   SOLE   0 0 9,882
Vanguard ESG Int'l ETF ETF 921910725 3,444 83,690 SH   SOLE   0 0 83,690
Vanguard ESG U.S. Stock ETF ETF 921910733 7,391 161,419 SH   SOLE   0 0 161,419
Vanguard Growth ETF 922908736 1,147 7,323 SH   SOLE   0 0 7,323
Vanguard Interm Bond Index ETF ETF 921937819 18,539 207,531 SH   SOLE   0 0 207,531
Vanguard Reit ETF 922908553 2,502 35,825 SH   SOLE   0 0 35,825
Vanguard Russell 1000 ETF 92206C714 820 9,419 SH   SOLE   0 0 9,419
Vanguard Russell 3000 ETF 92206C599 1,902 16,517 SH   SOLE   0 0 16,517
Vanguard S&P 500 Etf ETF 922908363 244 1,031 SH   SOLE   0 0 1,031
Vanguard Small Cap Value ETF 922908611 249 2,803 SH   SOLE   0 0 2,803
Vanguard ST Bond Idx ETF ETF 921937827 33,271 404,860 SH   SOLE   0 0 404,860
Vanguard Total Bond ETF 921937835 1,344 15,743 SH   SOLE   0 0 15,743
Vanguard Total Stock Mkt ETF 922908769 46,229 358,615 SH   SOLE   0 0 358,615
Vanguard Value ETF 922908744 4,279 48,045 SH   SOLE   0 0 48,045
Visa Inc Cl A COM 92826C839 223 1,383 SH   SOLE   0 0 1,383
Yum! Brands Inc COM 988498101 255 3,714 SH   SOLE   0 0 3,714