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
BRISTOL MYERS COM 110122108 491 7,874 SH   SOLE   0 0 7,874
CVS HEALTH COM 126650100 689 6,682 SH   SOLE   0 0 6,682
CATERPILLAR INC COM 149123101 520 2,516 SH   SOLE   0 0 2,516
CHEVRON CORP COM 166764100 400 3,405 SH   SOLE   0 0 3,405
COCA COLA COMPANY COM 191216100 383 6,474 SH   SOLE   0 0 6,474
COMERICA INC COM 200340107 475 5,456 SH   SOLE   0 0 5,456
CUMMINS INC COM 231021106 262 1,199 SH   SOLE   0 0 1,199
DANAHER CORP COM 235851102 570 1,732 SH   SOLE   0 0 1,732
WALT DISNEY COM DISNEY 254687106 523 3,378 SH   SOLE   0 0 3,378
DOLLAR GENL COM 256677105 1,202 5,098 SH   SOLE   0 0 5,098
DOW INC COM 260557103 1,308 23,065 SH   SOLE   0 0 23,065
EMERSON ELECTRIC COM 291011104 242 2,609 SH   SOLE   0 0 2,609
FORD MOTOR COM 345370860 555 26,743 SH   SOLE   0 0 26,743
GENERAL MILLS COM 370334104 385 5,718 SH   SOLE   0 0 5,718
HERSHEY COMPANY COM 427866108 311 1,610 SH   SOLE   0 0 1,610
HOME DEPOT COM 437076102 1,490 3,590 SH   SOLE   0 0 3,590
HONEYWELL INTL COM 438516106 2,790 13,381 SH   SOLE   0 0 13,381
INTEL CORP COM 458140100 627 12,170 SH   SOLE   0 0 12,170
INTL BUSINESS COM 459200101 3,548 26,543 SH   SOLE   0 0 26,543
ISHARES GOLD ISHARES NEW 464285204 32,348 929,275 SH   SOLE   0 0 929,275
ISHARES CORE CORE S&P TTL STK 464287150 25,746 240,661 SH   SOLE   0 0 240,661
ISHARES SELECT SELECT DIVID ETF 464287168 2,302 18,780 SH   SOLE   0 0 18,780
ISHARES TIPS TIPS BD ETF 464287176 11,205 86,731 SH   SOLE   0 0 86,731
ISHARES CORE CORE S&P500 ETF 464287200 2,809 5,888 SH   SOLE   0 0 5,888
ISHARES CORE CORE US AGGBD ET 464287226 3,277 28,725 SH   SOLE   0 0 28,725
ISHARES S&P S&P 500 GRWT ETF 464287309 352 4,202 SH   SOLE   0 0 4,202
ISHARES S&P S&P 500 VAL ETF 464287408 395 2,521 SH   SOLE   0 0 2,521
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2,571 30,059 SH   SOLE   0 0 30,059
ISHARES MSCI MSCI EAFE ETF 464287465 786 9,986 SH   SOLE   0 0 9,986
ISHARES RUSS RUS MDCP VAL ETF 464287473 510 4,165 SH   SOLE   0 0 4,165
ISHARES RUSSELL RUS MID CAP ETF 464287499 407 4,900 SH   SOLE   0 0 4,900
ISHARES CORE CORE S&P MCP ETF 464287507 1,221 4,313 SH   SOLE   0 0 4,313
ISHARES RUSSELL RUS 1000 GRW ETF 464287614 224 732 SH   SOLE   0 0 732
ISHARES RUSSELL RUS 1000 ETF 464287622 1,665 6,295 SH   SOLE   0 0 6,295
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 22,905 137,940 SH   SOLE   0 0 137,940
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2,805 10,109 SH   SOLE   0 0 10,109
ISHARES S&P S&P MC 400VL ETF 464287705 309 2,790 SH   SOLE   0 0 2,790
ISHARES CORE CORE S&P SCP ETF 464287804 1,638 14,310 SH   SOLE   0 0 14,310
ISHARES S&P SP SMCP600VL ETF 464287879 1,330 12,730 SH   SOLE   0 0 12,730
ISHARES NATIONAL NATIONAL MUN 464288414 2,976 25,595 SH   SOLE   0 0 25,595
ISHARES MSCI EAFE VALUE ETF 464288877 4,541 90,125 SH   SOLE   0 0 90,125
JOHNSON & JOHNSON COM 478160104 1,723 10,074 SH   SOLE   0 0 10,074
KELLOGG CO COM 487836108 935 14,511 SH   SOLE   0 0 14,511
KIMBERLY CLARK COM 494368103 544 3,808 SH   SOLE   0 0 3,808
ELI LILLY COM 532457108 248 899 SH   SOLE   0 0 899
LINCOLN NATL CORP IN COM 534187109 353 5,175 SH   SOLE   0 0 5,175
LOWES COMPANIES COM 548661107 1,716 6,638 SH   SOLE   0 0 6,638
MCDONALDS CORP COM 580135101 590 2,200 SH   SOLE   0 0 2,200
MICROSOFT CORP COM 594918104 16,283 48,413 SH   SOLE   0 0 48,413
MONDELEZ INTERNATIONAL CL A 609207105 1,430 21,569 SH   SOLE   0 0 21,569
NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 42 20,000 SH   SOLE   0 0 20,000
NORFOLK SOUTHERN COM 655844108 269 904 SH   SOLE   0 0 904
PEPSICO INC COM 713448108 2,702 15,557 SH   SOLE   0 0 15,557
PFIZER INC COM 717081103 3,688 62,464 SH   SOLE   0 0 62,464
PHILIP MORRIS COM 718172109 1,307 13,757 SH   SOLE   0 0 13,757
PROCTER & GAMBLE COM 742718109 3,212 19,632 SH   SOLE   0 0 19,632
PRUDENTIAL FINANCIAL COM 744320102 1,138 10,510 SH   SOLE   0 0 10,510
QUALCOMM INC COM 747525103 1,088 5,948 SH   SOLE   0 0 5,948
SCHWAB US US BRD MKT ETF 808524102 5,863 51,888 SH   SOLE   0 0 51,888
SCHWAB US US LRG CAP ETF 808524201 1,198 10,529 SH   SOLE   0 0 10,529
SCHWAB US US LCAP VA ETF 808524409 217 2,968 SH   SOLE   0 0 2,968
SCHWAB INTL INTL EQTY ETF 808524805 862 22,185 SH   SOLE   0 0 22,185
SCHWAB AGGREGATE US AGGREGATE B 808524839 1,234 22,899 SH   SOLE   0 0 22,899
SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 250 4,456 SH   SOLE   0 0 4,456
SCHWAB US US TIPS ETF 808524870 2,752 43,767 SH   SOLE   0 0 43,767
SHYFT GROUP COM 825698103 1,050 21,380 SH   SOLE   0 0 21,380
STARBUCKS CORP COM 855244109 749 6,404 SH   SOLE   0 0 6,404
STATE STREET COM 857477103 284 3,051 SH   SOLE   0 0 3,051
STEELCASE INC CL A 858155203 323 27,531 SH   SOLE   0 0 27,531
STRYKER CORP COM 863667101 17,137 64,084 SH   SOLE   0 0 64,084
TEVA PHARMACEUTICAL SPONSORED ADS 881624209 164 20,500 SH   SOLE   0 0 20,500
TEXAS INSTRUMENTS COM 882508104 205 1,088 SH   SOLE   0 0 1,088
THERMO FISHER COM 883556102 272 408 SH   SOLE   0 0 408
U S BANCORP DE COM NEW 902973304 499 8,879 SH   SOLE   0 0 8,879
UNITED PARCEL CL B 911312106 240 1,118 SH   SOLE   0 0 1,118
VANGUARD DIVIDEND DIV APP ETF 921908844 2,223 12,939 SH   SOLE   0 0 12,939
VANGUARD TOTAL VG TL INTL STK F 921909768 8,566 134,737 SH   SOLE   0 0 134,737
VANGUARD S&P 500 GRTH IDX F 921932505 247 817 SH   SOLE   0 0 817
VANGUARD SHORT SHORT TRM BOND 921937827 909 11,244 SH   SOLE   0 0 11,244
VANGUARD TOTAL TOTAL BND MRKT 921937835 5,432 64,087 SH   SOLE   0 0 64,087
VANGUARD FTSE FTSE DEV MKT ETF 921943858 1,574 30,811 SH   SOLE   0 0 30,811
VANGUARD SHORT STRM INFPROIDX 922020805 331 6,446 SH   SOLE   0 0 6,446
VANGUARD FTSE FTSE SMCAP ETF 922042718 1,084 8,090 SH   SOLE   0 0 8,090
VANGUARD TOTAL TT WRLD ST ETF 922042742 15,644 145,619 SH   SOLE   0 0 145,619
VANGUARD FSTE FTSE EMR MKT ETF 922042858 7,835 158,415 SH   SOLE   0 0 158,415
VANGUARD S&P S&P 500 ETF SHS 922908363 19,529 44,734 SH   SOLE   0 0 44,734
VANGUARD MID MCAP VL IDXVIP 922908512 408 2,714 SH   SOLE   0 0 2,714
VANGUARD REAL REAL ESTATE ETF 922908553 2,892 24,934 SH   SOLE   0 0 24,934
VANGUARD SMALL SM CP VAL ETF 922908611 43,880 245,344 SH   SOLE   0 0 245,344
VANGUARD MID MID CAP ETF 922908629 1,121 4,401 SH   SOLE   0 0 4,401
VANGUARD LARGE LARGE CAP ETF 922908637 591 2,675 SH   SOLE   0 0 2,675
VANGUARD EXTENDED EXTEND MKT ETF 922908652 1,286 7,033 SH   SOLE   0 0 7,033
VANGUARD GROWTH GROWTH ETF 922908736 745 2,320 SH   SOLE   0 0 2,320
VANGUARD VALUE VALUE ETF 922908744 4,105 27,906 SH   SOLE   0 0 27,906
VANGUARD SMALL SMALL CP ETF 922908751 483 2,138 SH   SOLE   0 0 2,138
VANGUARD TOTAL TOTAL STK MKT 922908769 87,870 363,941 SH   SOLE   0 0 363,941
WALMART INC COM 931142103 405 2,800 SH   SOLE   0 0 2,800
WELLS FARGO COM 949746101 201 4,186 SH   SOLE   0 0 4,186
AT&T INC COM 00206R102 384 15,615 SH   SOLE   0 0 15,615
ARK INNOVATION INNOVATION ETF 00214Q104 1,267 13,393 SH   SOLE   0 0 13,393
ABBOTT LABORATORIES COM 002824100 236 1,674 SH   SOLE   0 0 1,674
ABBVIE INC COM 00287Y109 707 5,224 SH   SOLE   0 0 5,224
ADOBE INC COM 00724F101 303 533 SH   SOLE   0 0 533
ALIGN TECHNOLOGY COM 016255101 212 323 SH   SOLE   0 0 323
ALPHABET INC CAP STK CL C 02079K107 1,016 351 SH   SOLE   0 0 351
ALPHABET INC CAP STK CL A 02079K305 3,508 1,211 SH   SOLE   0 0 1,211
ALTRIA GROUP COM 02209S103 919 19,388 SH   SOLE   0 0 19,388
AMAZON COM COM 023135106 7,509 2,252 SH   SOLE   0 0 2,252
AMGEN INC COM 031162100 2,135 9,491 SH   SOLE   0 0 9,491
ANNALY CAPITAL COM 035710409 146 18,651 SH   SOLE   0 0 18,651
APPLE INC COM 037833100 29,702 167,268 SH   SOLE   0 0 167,268
APPLIED MATERIALS COM 038222105 331 2,103 SH   SOLE   0 0 2,103
AVERY DENNISON CORP COM 053611109 217 1,000 SH   SOLE   0 0 1,000
BANK AMERICA COM 060505104 347 7,798 SH   SOLE   0 0 7,798
BERKSHIRE HATHAWAY CL A 084670108 901 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 7,203 24,091 SH   SOLE   0 0 24,091
BIOGEN INC COM 09062X103 342 1,426 SH   SOLE   0 0 1,426
BIOLASE INC COM NEW 090911207 22 57,500 SH   SOLE   0 0 57,500
BLACKROCK INC COM 09247X101 674 736 SH   SOLE   0 0 736
BNY MELLON US LRG CP CORE 09661T107 11,080 123,646 SH   SOLE   0 0 123,646
BNY MELLON CORE BOND ETF 09661T602 3,416 69,539 SH   SOLE   0 0 69,539
BROADCOM INC COM 11135F101 440 661 SH   SOLE   0 0 661
CISCO SYSTEMS COM 17275R102 539 8,508 SH   SOLE   0 0 8,508
COINBASE GLOBAL COM CL A 19260Q107 810 3,209 SH   SOLE   0 0 3,209
COMCAST CORP CL A 20030N101 418 8,317 SH   SOLE   0 0 8,317
CORTEVA INC COM 22052L104 697 14,734 SH   SOLE   0 0 14,734
COSTCO WHOLESALE COM 22160K105 223 392 SH   SOLE   0 0 392
DIMENSIONAL US US TARGETED VLU 25434V609 1,308 27,532 SH   SOLE   0 0 27,532
DIMENSIONAL US US CORE EQUITY 2 25434V708 7,260 250,595 SH   SOLE   0 0 250,595
DIMENSIONAL INTL INTERNATNAL VAL 25434V807 620 18,879 SH   SOLE   0 0 18,879
DIMENSIONAL WORLD WORLD EX US CORE 25434V880 1,228 47,024 SH   SOLE   0 0 47,024
DUPONT DE COM 26614N102 931 11,531 SH   SOLE   0 0 11,531
EXXON MOBIL COM 30231G102 495 8,096 SH   SOLE   0 0 8,096
FACEBOOK INC CL A 30303M102 998 2,968 SH   SOLE   0 0 2,968
FARMERS & MERCHANTS COM 30779N105 219 6,664 SH   SOLE   0 0 6,664
FORTINET INC COM 34959E109 529 1,470 SH   SOLE   0 0 1,470
GSX TECHEDU SPONSORED ADS 36257Y109 31 15,847 SH   SOLE   0 0 15,847
GLOBAL X LITHIUM BTRY ETF 37954Y855 204 2,418 SH   SOLE   0 0 2,418
INVESCO QQQ UNIT SER 1 46090E103 854 2,146 SH   SOLE   0 0 2,146
INVESCO S&P S&P500 PUR GWT 46137V266 302 1,432 SH   SOLE   0 0 1,432
INVESCO S&P S&P500 EQL TEC 46137V282 346 1,068 SH   SOLE   0 0 1,068
INVESCO S&P S&P500 EQL HLT 46137V332 221 690 SH   SOLE   0 0 690
INVESCO S&P S&P500 EQL WGT 46137V357 282 1,734 SH   SOLE   0 0 1,734
ISHARES CORE CORE MSCI TOTAL 46432F834 1,426 20,099 SH   SOLE   0 0 20,099
BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2,059 40,865 SH   SOLE   0 0 40,865
ISHARES ESG ESG AWR US AGRGT 46435U549 211 3,821 SH   SOLE   0 0 3,821
JPMORGAN CHASE COM 46625H100 500 3,153 SH   SOLE   0 0 3,153
KLA CORP COM NEW 482480100 676 1,571 SH   SOLE   0 0 1,571
LCI INDS COM 50189K103 1,063 6,822 SH   SOLE   0 0 6,822
LEVEL ONE COM 52730D208 730 18,500 SH   SOLE   0 0 18,500
MASTERCARD INC CL A 57636Q104 231 642 SH   SOLE   0 0 642
MERCK & COMPANY COM 58933Y105 930 12,131 SH   SOLE   0 0 12,131
METLIFE INC COM 59156R108 336 5,378 SH   SOLE   0 0 5,378
NETFLIX INC COM 64110L106 859 1,426 SH   SOLE   0 0 1,426
NUCOR CORP COM 670346105 582 5,099 SH   SOLE   0 0 5,099
NVIDIA CORP COM 67066G104 604 2,054 SH   SOLE   0 0 2,054
QUEST DIAGNOSTICS COM 74834L100 488 2,820 SH   SOLE   0 0 2,820
SPDR S&P TR UNIT 78462F103 5,539 11,662 SH   SOLE   0 0 11,662
SPDR GOLD GOLD SHS 78463V107 344 2,010 SH   SOLE   0 0 2,010
SPDR DOW UT SER 1 78467X109 408 1,123 SH   SOLE   0 0 1,123
SPDR S&P UTSER1 S&PDCRP 78467Y107 1,091 2,106 SH   SOLE   0 0 2,106
SALESFORCE.COM INC COM 79466L302 312 1,230 SH   SOLE   0 0 1,230
SANOFI SPONSORED ADR 80105N105 281 5,610 SH   SOLE   0 0 5,610
SECTOR FINANCIAL SBI INT-FINL 81369Y605 513 13,143 SH   SOLE   0 0 13,143
SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 899 5,167 SH   SOLE   0 0 5,167
SMILEDIRECTCLUB INC CL A COM 83192H106 42 17,933 SH   SOLE   0 0 17,933
TARGET CORP COM 87612E106 416 1,798 SH   SOLE   0 0 1,798
TENCENT MUSIC ENTMT GROUP SPON ADS 88034P109 137 19,925 SH   SOLE   0 0 19,925
TESLA INC COM 88160R101 1,005 951 SH   SOLE   0 0 951
3M COMPANY COM 88579Y101 511 2,879 SH   SOLE   0 0 2,879
TYSON FOODS CL A 902494103 403 4,620 SH   SOLE   0 0 4,620
UNITEDHEALTH GROUP COM 91324P102 228 455 SH   SOLE   0 0 455
VANGUARD ESG ESG INTL STK ETF 921910725 229 3,687 SH   SOLE   0 0 3,687
VANGUARD TOTAL INTL BD IDX ETF 92203J407 378 6,855 SH   SOLE   0 0 6,855
VANGUARD HEALTH HEALTH CAR ETF 92204A504 452 1,696 SH   SOLE   0 0 1,696
VANGUARD INFORMATION INF TECH ETF 92204A702 1,238 2,702 SH   SOLE   0 0 2,702
VANGUARD SHORT SHORT TERM TREAS 92206C102 287 4,712 SH   SOLE   0 0 4,712
VANGUARD RUSSELL VNG RUS2000VAL 92206C649 558 3,839 SH   SOLE   0 0 3,839
VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1,309 17,752 SH   SOLE   0 0 17,752
LONG TERM TREAS LONG TERM TREAS 92206C847 242 2,705 SH   SOLE   0 0 2,705
VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2,474 45,056 SH   SOLE   0 0 45,056
VIATRIS INC COM 92556V106 207 15,311 SH   SOLE   0 0 15,311
VISA INC COM CL A 92826C839 875 4,038 SH   SOLE   0 0 4,038
WISDOMTREE TR CURRNCY INT EQ 97717X263 358 11,605 SH   SOLE   0 0 11,605
WORLD GOLD SPDR GLD MINIS 98149E204 4,793 263,613 SH   SOLE   0 0 263,613
ZOETIS INC CL A 98978V103 7,095 29,074 SH   SOLE   0 0 29,074
EATON CORP SHS G29183103 793 4,588 SH   SOLE   0 0 4,588
LINDE PLC COM G5494J103 842 2,431 SH   SOLE   0 0 2,431
APOGEE ENTERPRISES COM 037598109 433 9,000 SH   SOLE   0 0 9,000
APOLLO GLOBAL COM CL A 03768E105 336 4,633 SH   SOLE   0 0 4,633
BALCHEM CORP COM 057665200 843 5,000 SH   SOLE   0 0 5,000
BLACKSTONE INC COM 09260D107 421 3,255 SH   SOLE   0 0 3,255
BNY MELLON US MDCP CORE EQT 09661T206 395 4,167 SH   SOLE   0 0 4,167
BNY MELLON INTERNATIONL EQT 09661T404 1,095 14,731 SH   SOLE   0 0 14,731
BNY MELLON EMRG MKT EQUIT 09661T503 266 3,902 SH   SOLE   0 0 3,902
CARLYLE GROUP COM 14316J108 379 6,911 SH   SOLE   0 0 6,911
FIRST SOLAR COM 336433107 436 5,000 SH   SOLE   0 0 5,000
KKR & CO COM 48251W104 398 5,348 SH   SOLE   0 0 5,348
MCKESSON CORP COM 58155Q103 1,244 5,005 SH   SOLE   0 0 5,005
MICRON TECHNOLOGY INC COM 595112103 1,867 20,039 SH   SOLE   0 0 20,039
MILLERKNOLL INC COM 600544100 588 15,000 SH   SOLE   0 0 15,000
PAYCHEX INC COM 704326107 274 2,007 SH   SOLE   0 0 2,007
POLARIS INC COM 731068102 220 2,000 SH   SOLE   0 0 2,000
PROVIDENT BANCORP COM 74383L105 216 11,611 SH   SOLE   0 0 11,611
QORVO INC COM NEW 74736K101 587 3,751 SH   SOLE   0 0 3,751
WHIRLPOOL CORP COM 963320106 470 2,002 SH   SOLE   0 0 2,002
WORTHINGTON INDUSTRIES COM 981811102 273 5,000 SH   SOLE   0 0 5,000