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 589 8,059 SH   SOLE   0 0 8,059
CVS HEALTH COM 126650100 663 6,547 SH   SOLE   0 0 6,547
CATERPILLAR INC COM 149123101 590 2,650 SH   SOLE   0 0 2,650
CHEVRON CORP COM 166764100 430 2,641 SH   SOLE   0 0 2,641
COCA COLA COMPANY COM 191216100 439 7,082 SH   SOLE   0 0 7,082
COMERICA INC COM 200340107 493 5,456 SH   SOLE   0 0 5,456
CUMMINS INC COM 231021106 246 1,199 SH   SOLE   0 0 1,199
DANAHER CORP COM 235851102 480 1,638 SH   SOLE   0 0 1,638
WALT DISNEY COM DISNEY 254687106 543 3,958 SH   SOLE   0 0 3,958
DOLLAR GENL COM 256677105 1,140 5,121 SH   SOLE   0 0 5,121
DOW INC COM 260557103 1,511 23,716 SH   SOLE   0 0 23,716
EMERSON ELECTRIC COM 291011104 260 2,651 SH   SOLE   0 0 2,651
FORD MOTOR COM 345370860 457 27,004 SH   SOLE   0 0 27,004
GENERAL MILLS COM 370334104 391 5,774 SH   SOLE   0 0 5,774
GILEAD SCIENCES COM 375558103 210 3,539 SH   SOLE   0 0 3,539
HERSHEY COMPANY COM 427866108 349 1,610 SH   SOLE   0 0 1,610
HOME DEPOT COM 437076102 1,219 4,071 SH   SOLE   0 0 4,071
HONEYWELL INTL COM 438516106 2,700 13,872 SH   SOLE   0 0 13,872
INTEL CORP COM 458140100 661 13,347 SH   SOLE   0 0 13,347
INTL BUSINESS COM 459200101 3,455 26,571 SH   SOLE   0 0 26,571
ISHARES GOLD ISHARES NEW 464285204 2,667 72,415 SH   SOLE   0 0 72,415
ISHARES CORE CORE S&P TTL STK 464287150 35,615 352,838 SH   SOLE   0 0 352,838
ISHARES SELECT SELECT DIVID ETF 464287168 2,475 19,313 SH   SOLE   0 0 19,313
ISHARES TIPS TIPS BD ETF 464287176 10,618 85,238 SH   SOLE   0 0 85,238
ISHARES CORE CORE S&P500 ETF 464287200 2,989 6,590 SH   SOLE   0 0 6,590
ISHARES CORE CORE US AGGBD ET 464287226 2,119 19,794 SH   SOLE   0 0 19,794
ISHARES S&P S&P 500 GRWT ETF 464287309 321 4,202 SH   SOLE   0 0 4,202
ISHARES S&P S&P 500 VAL ETF 464287408 393 2,521 SH   SOLE   0 0 2,521
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2,609 31,298 SH   SOLE   0 0 31,298
ISHARES MSCI MSCI EAFE ETF 464287465 1,140 15,493 SH   SOLE   0 0 15,493
ISHARES RUSS RUS MDCP VAL ETF 464287473 501 4,189 SH   SOLE   0 0 4,189
ISHARES RUSSELL RUS MID CAP ETF 464287499 383 4,905 SH   SOLE   0 0 4,905
ISHARES CORE CORE S&P MCP ETF 464287507 1,208 4,503 SH   SOLE   0 0 4,503
ISHARES RUSSELL RUS 1000 GRW ETF 464287614 709 2,555 SH   SOLE   0 0 2,555
ISHARES RUSSELL RUS 1000 ETF 464287622 1,574 6,295 SH   SOLE   0 0 6,295
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 22,050 136,616 SH   SOLE   0 0 136,616
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2,652 10,109 SH   SOLE   0 0 10,109
ISHARES S&P S&P MC 400VL ETF 464287705 306 2,790 SH   SOLE   0 0 2,790
ISHARES CORE CORE S&P SCP ETF 464287804 1,594 14,780 SH   SOLE   0 0 14,780
ISHARES S&P SP SMCP600VL ETF 464287879 1,385 13,524 SH   SOLE   0 0 13,524
ISHARES NATIONAL NATIONAL MUN 464288414 4,009 36,572 SH   SOLE   0 0 36,572
ISHARES MSCI EAFE VALUE ETF 464288877 4,476 89,060 SH   SOLE   0 0 89,060
JOHNSON & JOHNSON COM 478160104 6,517 36,771 SH   SOLE   0 0 36,771
KELLOGG CO COM 487836108 919 14,253 SH   SOLE   0 0 14,253
KIMBERLY CLARK COM 494368103 468 3,803 SH   SOLE   0 0 3,803
ELI LILLY COM 532457108 358 1,251 SH   SOLE   0 0 1,251
LINCOLN NATL CORP IN COM 534187109 338 5,175 SH   SOLE   0 0 5,175
LOWES COMPANIES COM 548661107 1,440 7,121 SH   SOLE   0 0 7,121
MCDONALDS CORP COM 580135101 669 2,707 SH   SOLE   0 0 2,707
MICROSOFT CORP COM 594918104 15,787 51,206 SH   SOLE   0 0 51,206
MONDELEZ INTERNATIONAL CL A 609207105 1,361 21,680 SH   SOLE   0 0 21,680
NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 12 10,000 SH   SOLE   0 0 10,000
NORFOLK SOUTHERN COM 655844108 262 917 SH   SOLE   0 0 917
PEPSICO INC COM 713448108 2,743 16,387 SH   SOLE   0 0 16,387
PFIZER INC COM 717081103 3,607 69,688 SH   SOLE   0 0 69,688
PHILIP MORRIS COM 718172109 1,266 13,481 SH   SOLE   0 0 13,481
PROCTER & GAMBLE COM 742718109 3,139 20,541 SH   SOLE   0 0 20,541
PRUDENTIAL FINANCIAL COM 744320102 1,242 10,510 SH   SOLE   0 0 10,510
QUALCOMM INC COM 747525103 938 6,135 SH   SOLE   0 0 6,135
SCHWAB US US BRD MKT ETF 808524102 7,398 138,550 SH   SOLE   0 0 138,550
SCHWAB US US LRG CAP ETF 808524201 2,475 45,972 SH   SOLE   0 0 45,972
SCHWAB US US LCAP VA ETF 808524409 722 10,110 SH   SOLE   0 0 10,110
SCHWAB US US MID-CAP ETF 808524508 797 10,505 SH   SOLE   0 0 10,505
SCHWAB US US SML CAP ETF 808524607 957 20,207 SH   SOLE   0 0 20,207
SCHWAB EMERGING EMRG MKTEQ ETF 808524706 451 16,255 SH   SOLE   0 0 16,255
SCHWAB INTL INTL EQTY ETF 808524805 2,216 60,334 SH   SOLE   0 0 60,334
SCHWAB AGGREGATE US AGGREGATE B 808524839 2,820 55,773 SH   SOLE   0 0 55,773
SCHWAB INTERMEDIATE INTRM TRM TRES 808524854 466 8,744 SH   SOLE   0 0 8,744
SCHWAB US US TIPS ETF 808524870 3,972 65,419 SH   SOLE   0 0 65,419
SHYFT GROUP COM 825698103 772 21,381 SH   SOLE   0 0 21,381
SOUTHERN COMPANY COM 842587107 245 3,383 SH   SOLE   0 0 3,383
STARBUCKS CORP COM 855244109 406 4,460 SH   SOLE   0 0 4,460
STATE STREET COM 857477103 275 3,161 SH   SOLE   0 0 3,161
STEELCASE INC CL A 858155203 329 27,531 SH   SOLE   0 0 27,531
STRYKER CORP COM 863667101 17,174 64,239 SH   SOLE   0 0 64,239
TEVA PHARMACEUTICAL SPONSORED ADS 881624209 197 21,000 SH   SOLE   0 0 21,000
TEXAS INSTRUMENTS COM 882508104 302 1,646 SH   SOLE   0 0 1,646
THERMO FISHER COM 883556102 255 432 SH   SOLE   0 0 432
U S BANCORP DE COM NEW 902973304 672 12,635 SH   SOLE   0 0 12,635
UNITED PARCEL CL B 911312106 340 1,583 SH   SOLE   0 0 1,583
VANGUARD DIVIDEND DIV APP ETF 921908844 2,262 13,949 SH   SOLE   0 0 13,949
VANGUARD TOTAL VG TL INTL STK F 921909768 12,378 207,194 SH   SOLE   0 0 207,194
VANGUARD S&P 500 GRTH IDX F 921932505 225 817 SH   SOLE   0 0 817
VANGUARD SHORT SHORT TRM BOND 921937827 897 11,515 SH   SOLE   0 0 11,515
VANGUARD TOTAL TOTAL BND MRKT 921937835 6,208 78,043 SH   SOLE   0 0 78,043
VANGUARD FTSE FTSE DEV MKT ETF 921943858 2,324 48,398 SH   SOLE   0 0 48,398
VANGUARD HIGH HIGH DIV YLD 921946406 1,138 10,142 SH   SOLE   0 0 10,142
VANGUARD SHORT STRM INFPROIDX 922020805 460 8,984 SH   SOLE   0 0 8,984
VANGUARD FTSE FTSE SMCAP ETF 922042718 1,065 8,597 SH   SOLE   0 0 8,597
VANGUARD TOTAL TT WRLD ST ETF 922042742 21,859 215,810 SH   SOLE   0 0 215,810
VANGUARD FSTE FTSE EMR MKT ETF 922042858 9,299 201,577 SH   SOLE   0 0 201,577
VANGUARD S&P S&P 500 ETF SHS 922908363 20,482 49,332 SH   SOLE   0 0 49,332
VANGUARD MID MCAP VL IDXVIP 922908512 407 2,721 SH   SOLE   0 0 2,721
VANGUARD REAL REAL ESTATE ETF 922908553 3,581 33,041 SH   SOLE   0 0 33,041
VANGUARD SMALL SM CP VAL ETF 922908611 43,671 248,216 SH   SOLE   0 0 248,216
VANGUARD MID MID CAP ETF 922908629 1,666 7,007 SH   SOLE   0 0 7,007
VANGUARD LARGE LARGE CAP ETF 922908637 586 2,811 SH   SOLE   0 0 2,811
VANGUARD EXTENDED EXTEND MKT ETF 922908652 1,509 9,107 SH   SOLE   0 0 9,107
VANGUARD GROWTH GROWTH ETF 922908736 785 2,729 SH   SOLE   0 0 2,729
VANGUARD VALUE VALUE ETF 922908744 4,232 28,634 SH   SOLE   0 0 28,634
VANGUARD SMALL SMALL CP ETF 922908751 995 4,680 SH   SOLE   0 0 4,680
VANGUARD TOTAL TOTAL STK MKT 922908769 91,216 400,650 SH   SOLE   0 0 400,650
WALMART INC COM 931142103 439 2,948 SH   SOLE   0 0 2,948
WELLS FARGO COM 949746101 218 4,503 SH   SOLE   0 0 4,503
AT&T INC COM 00206R102 399 16,882 SH   SOLE   0 0 16,882
ARK INNOVATION INNOVATION ETF 00214Q104 1,897 28,620 SH   SOLE   0 0 28,620
ABBOTT LABORATORIES COM 002824100 207 1,748 SH   SOLE   0 0 1,748
ABBVIE INC COM 00287Y109 1,335 8,234 SH   SOLE   0 0 8,234
ADOBE INC COM 00724F101 420 921 SH   SOLE   0 0 921
ALLSTATE CORP COM 020002101 220 1,591 SH   SOLE   0 0 1,591
ALPHABET INC CAP STK CL C 02079K107 997 357 SH   SOLE   0 0 357
ALPHABET INC CAP STK CL A 02079K305 3,757 1,351 SH   SOLE   0 0 1,351
ALTRIA GROUP COM 02209S103 1,014 19,410 SH   SOLE   0 0 19,410
AMAZON COM COM 023135106 7,039 2,159 SH   SOLE   0 0 2,159
AMERN AXLE & MFG HLDGS COM 024061103 94 12,088 SH   SOLE   0 0 12,088
AMERICAN EXPRESS COM 025816109 297 1,590 SH   SOLE   0 0 1,590
AMGEN INC COM 031162100 2,540 10,503 SH   SOLE   0 0 10,503
ANNALY CAPITAL COM 035710409 134 19,077 SH   SOLE   0 0 19,077
APPLE INC COM 037833100 32,308 185,032 SH   SOLE   0 0 185,032
BANK AMERICA COM 060505104 535 12,995 SH   SOLE   0 0 12,995
BERKSHIRE HATHAWAY CL A 084670108 1,058 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 8,614 24,411 SH   SOLE   0 0 24,411
BIOLASE INC COM NEW 090911207 24 68,000 SH   SOLE   0 0 68,000
BLACKROCK INC COM 09247X101 562 736 SH   SOLE   0 0 736
BNY MELLON US LRG CP CORE 09661T107 20,916 246,273 SH   SOLE   0 0 246,273
BNY MELLON CORE BOND ETF 09661T602 6,470 140,474 SH   SOLE   0 0 140,474
BROADCOM INC COM 11135F101 862 1,370 SH   SOLE   0 0 1,370
CISCO SYSTEMS COM 17275R102 715 12,828 SH   SOLE   0 0 12,828
COMCAST CORP CL A 20030N101 389 8,317 SH   SOLE   0 0 8,317
CORTEVA INC COM 22052L104 847 14,734 SH   SOLE   0 0 14,734
COSTCO WHOLESALE COM 22160K105 763 1,326 SH   SOLE   0 0 1,326
DIMENSIONAL US US CORE EQUITY 2 25434V708 377 13,656 SH   SOLE   0 0 13,656
DUPONT DE COM 26614N102 836 11,366 SH   SOLE   0 0 11,366
EXXON MOBIL COM 30231G102 796 9,635 SH   SOLE   0 0 9,635
FACEBOOK INC CL A 30303M102 649 2,920 SH   SOLE   0 0 2,920
FARMERS & MERCHANTS COM 30779N105 241 6,664 SH   SOLE   0 0 6,664
FORTINET INC COM 34959E109 503 1,470 SH   SOLE   0 0 1,470
GSX TECHEDU SPONSORED ADS 36257Y109 44 25,847 SH   SOLE   0 0 25,847
GLOBAL X LITHIUM BTRY ETF 37954Y855 206 2,681 SH   SOLE   0 0 2,681
INVESCO QQQ UNIT SER 1 46090E103 910 2,510 SH   SOLE   0 0 2,510
INVESCO S&P S&P500 PUR GWT 46137V266 210 1,142 SH   SOLE   0 0 1,142
INVESCO S&P S&P500 EQL TEC 46137V282 309 1,068 SH   SOLE   0 0 1,068
INVESCO S&P S&P500 EQL HLT 46137V332 211 690 SH   SOLE   0 0 690
INVESCO S&P S&P500 EQL WGT 46137V357 283 1,797 SH   SOLE   0 0 1,797
ISHARES MSCI MSCI USA ESG SLC 464288802 219 2,264 SH   SOLE   0 0 2,264
ISHARES CORE CORE MSCI TOTAL 46432F834 1,444 21,694 SH   SOLE   0 0 21,694
ISHARES CORE CORE DIV GRWTH 46434V621 216 4,040 SH   SOLE   0 0 4,040
BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 2,232 44,513 SH   SOLE   0 0 44,513
ISHARES ESG ESG AWR US AGRGT 46435U549 273 5,278 SH   SOLE   0 0 5,278
JPMORGAN CHASE COM 46625H100 596 4,375 SH   SOLE   0 0 4,375
KLA CORP COM NEW 482480100 649 1,772 SH   SOLE   0 0 1,772
LCI INDS COM 50189K103 1,083 10,428 SH   SOLE   0 0 10,428
LEVEL ONE COM 52730D208 739 18,500 SH   SOLE   0 0 18,500
MASTERCARD INC CL A 57636Q104 221 617 SH   SOLE   0 0 617
MERCK & COMPANY COM 58933Y105 1,063 12,954 SH   SOLE   0 0 12,954
METLIFE INC COM 59156R108 378 5,378 SH   SOLE   0 0 5,378
NUCOR CORP COM 670346105 762 5,125 SH   SOLE   0 0 5,125
NVIDIA CORP COM 67066G104 1,207 4,422 SH   SOLE   0 0 4,422
QUEST DIAGNOSTICS COM 74834L100 386 2,819 SH   SOLE   0 0 2,819
SPDR S&P TR UNIT 78462F103 5,268 11,664 SH   SOLE   0 0 11,664
SPDR GOLD GOLD SHS 78463V107 359 1,990 SH   SOLE   0 0 1,990
SPDR DOW UT SER 1 78467X109 422 1,218 SH   SOLE   0 0 1,218
SPDR S&P UTSER1 S&PDCRP 78467Y107 1,033 2,106 SH   SOLE   0 0 2,106
SALESFORCE.COM INC COM 79466L302 277 1,305 SH   SOLE   0 0 1,305
SANOFI SPONSORED ADR 80105N105 288 5,610 SH   SOLE   0 0 5,610
SECTOR FINANCIAL SBI INT-FINL 81369Y605 525 13,709 SH   SOLE   0 0 13,709
SECTOR TECHNOLOGY TECHNOLOGY 81369Y803 958 6,032 SH   SOLE   0 0 6,032
SHOPIFY INC CL A 82509L107 351 520 SH   SOLE   0 0 520
SMILEDIRECTCLUB INC CL A COM 83192H106 46 17,933 SH   SOLE   0 0 17,933
TARGET CORP COM 87612E106 701 3,306 SH   SOLE   0 0 3,306
TESLA INC COM 88160R101 1,162 1,078 SH   SOLE   0 0 1,078
3M COMPANY COM 88579Y101 321 2,154 SH   SOLE   0 0 2,154
TYSON FOODS CL A 902494103 420 4,684 SH   SOLE   0 0 4,684
UNITEDHEALTH GROUP COM 91324P102 229 450 SH   SOLE   0 0 450
VANGUARD ESG ESG INTL STK ETF 921910725 211 3,688 SH   SOLE   0 0 3,688
VANGUARD INTERMEDIATE INTERMED TERM 921937819 243 2,972 SH   SOLE   0 0 2,972
VANGUARD TOTAL INTL BD IDX ETF 92203J407 444 8,473 SH   SOLE   0 0 8,473
VANGUARD HEALTH HEALTH CAR ETF 92204A504 431 1,696 SH   SOLE   0 0 1,696
VANGUARD INFORMATION INF TECH ETF 92204A702 1,400 3,361 SH   SOLE   0 0 3,361
VANGUARD SHORT SHORT TERM TREAS 92206C102 342 5,761 SH   SOLE   0 0 5,761
VANGUARD SHORT SHRT TRM CORP BD 92206C409 1,266 16,216 SH   SOLE   0 0 16,216
VANGUARD RUSSELL VNG RUS2000VAL 92206C649 548 3,882 SH   SOLE   0 0 3,882
VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1,323 18,173 SH   SOLE   0 0 18,173
VANGUARD MORTGAGE MORTG-BACK SEC 92206C771 559 11,161 SH   SOLE   0 0 11,161
LONG TERM TREAS LONG TERM TREAS 92206C847 230 2,855 SH   SOLE   0 0 2,855
VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2,598 50,392 SH   SOLE   0 0 50,392
VIATRIS INC COM 92556V106 180 16,560 SH   SOLE   0 0 16,560
VISA INC COM CL A 92826C839 925 4,173 SH   SOLE   0 0 4,173
WISDOMTREE TR CURRNCY INT EQ 97717X263 356 11,605 SH   SOLE   0 0 11,605
ZOETIS INC CL A 98978V103 5,525 29,294 SH   SOLE   0 0 29,294
EATON CORP SHS G29183103 714 4,705 SH   SOLE   0 0 4,705
LINDE PLC COM G5494J103 777 2,431 SH   SOLE   0 0 2,431
MEDTRONIC PLC SHS G5960L103 256 2,312 SH   SOLE   0 0 2,312
APOGEE ENTERPRISES COM 037598109 427 9,000 SH   SOLE   0 0 9,000
BALCHEM CORP COM 057665200 684 5,000 SH   SOLE   0 0 5,000
BLACKSTONE INC COM 09260D107 1,309 10,312 SH   SOLE   0 0 10,312
BNY MELLON US MDCP CORE EQT 09661T206 1,079 11,976 SH   SOLE   0 0 11,976
BNY MELLON INTERNATIONL EQT 09661T404 2,944 41,903 SH   SOLE   0 0 41,903
BNY MELLON EMRG MKT EQUIT 09661T503 703 11,118 SH   SOLE   0 0 11,118
CARLYLE GROUP COM 14316J108 774 15,816 SH   SOLE   0 0 15,816
FIRST SOLAR COM 336433107 419 5,000 SH   SOLE   0 0 5,000
KKR & CO COM 48251W104 599 10,241 SH   SOLE   0 0 10,241
MCKESSON CORP COM 58155Q103 1,532 5,004 SH   SOLE   0 0 5,004
MICRON TECHNOLOGY INC COM 595112103 1,593 20,455 SH   SOLE   0 0 20,455
MILLERKNOLL INC COM 600544100 518 15,000 SH   SOLE   0 0 15,000
PAYCHEX INC COM 704326107 548 4,014 SH   SOLE   0 0 4,014
POLARIS INC COM 731068102 430 4,000 SH   SOLE   0 0 4,000
PROVIDENT BANCORP COM 74383L105 369 21,062 SH   SOLE   0 0 21,062
QORVO INC COM NEW 74736K101 1,052 7,501 SH   SOLE   0 0 7,501
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 456 5,302 SH   SOLE   0 0 5,302
WHIRLPOOL CORP COM 963320106 816 4,004 SH   SOLE   0 0 4,004
WORTHINGTON INDUSTRIES COM 981811102 530 10,000 SH   SOLE   0 0 10,000
ISHARES SHORT SHRT NAT MUN ETF 464288158 229 2,189 SH   SOLE   0 0 2,189
SCHWAB STRATEGIC 1000 INDEX ETF 808524722 826 18,751 SH   SOLE   0 0 18,751
VANGUARD RUSSELL VNG RUS1000IDX 92206C730 427 2,062 SH   SOLE   0 0 2,062
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 377 13,382 SH   SOLE   0 0 13,382
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 250 4,467 SH   SOLE   0 0 4,467
WORLD GOLD TR SPDR GLD MINIS 98149E303 460 11,962 SH   SOLE   0 0 11,962