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
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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 Stock 023135106 1,330 430 SH   SOLE 0 0 0 430
STARBUCKS CORP Stock 855244109 221 2,025 SH   SOLE 0 0 0 2,024
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 5,854 197,442 SH   SOLE 0 0 0 197,441
JOHNSON & JOHNSON COM Stock 478160104 938 5,707 SH   SOLE 0 0 0 5,706
WASTE MANAGEMENT INC Stock 94106L109 807 6,256 SH   SOLE 0 0 0 6,255
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 245 1,185 SH   SOLE 0 0 0 1,185
SPDR NUVEEN BLOOMBERG BARCLAYS SHORT TERM MUNICIPAL BOND ETF ETF 78468R739 743 15,000 SH   SOLE 0 0 0 15,000
PROCTER AND GAMBLE CO COM Stock 742718109 983 7,262 SH   SOLE 0 0 0 7,261
COCA COLA CO COM Stock 191216100 824 15,638 SH   SOLE 0 0 0 15,638
GENERAL MLS INC COM Stock 370334104 1,032 16,838 SH   SOLE 0 3,930 0 12,907
AMEREN CORP Stock 023608102 276 3,387 SH   SOLE 0 0 0 3,387
UNITED PARCEL SERVICE INC Stock 911312106 817 4,806 SH   SOLE 0 0 0 4,805
INTEL CORP COM Stock 458140100 688 10,747 SH   SOLE 0 0 0 10,746
PAYCHEX INC COM Stock 704326107 244 2,493 SH   SOLE 0 0 0 2,493
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 614 5,529 SH   SOLE 0 0 0 5,529
MASTERCARD INC Stock 57636Q104 705 1,981 SH   SOLE 0 0 0 1,981
VERIZON COMMUNICATIONS Stock 92343V104 1,039 17,860 SH   SOLE 0 0 0 17,860
FEDEX CORP Stock 31428X106 501 1,762 SH   SOLE 0 600 0 1,162
PEPSICO INC COM Stock 713448108 1,623 11,471 SH   SOLE 0 0 0 11,470
KIMBERLY-CLARK CORP COM Stock 494368103 328 2,358 SH   SOLE 0 0 0 2,357
HONEYWELL INTL INC Stock 438516106 418 1,926 SH   SOLE 0 0 0 1,926
FORD MOTOR COMPANY Stock 345370860 192 15,690 SH   SOLE 0 0 0 15,690
US BANCORP DEL COM NEW Stock 902973304 771 13,938 SH   SOLE 0 0 0 13,938
HOME DEPOT Stock 437076102 534 1,749 SH   SOLE 0 0 0 1,749
BYLINE BANCORP INC COM Stock 124411109 4,577 216,400 SH   SOLE 0 26,000 0 190,400
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 532 2,824 SH   SOLE 0 0 0 2,824
SOUTHERN CO COM Stock 842587107 1,042 16,769 SH   SOLE 0 0 0 16,769
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 4,520 144,364 SH   SOLE 0 0 0 144,363
ISHARES S&P SMALLCAP 600 ETF ETF 464287804 326 3,005 SH   SOLE 0 0 0 3,005
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 836 3,274 SH   SOLE 0 0 0 3,274
GOOGLE INC Stock 02079K305 1,108 537 SH   SOLE 0 0 0 537
MICROSOFT Stock 594918104 1,750 7,421 SH   SOLE 0 0 0 7,421
NEXTERA ENERGY INC COM Stock 65339F101 420 5,552 SH   SOLE 0 0 0 5,552
PIMCO HIGH INCOME FD CEF 722014107 101 14,933 SH   SOLE 0 0 0 14,933
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101 328 20,892 SH   SOLE 0 0 0 20,891
HANESBRANDS INC COM Stock 410345102 325 16,500 SH   SOLE 0 0 0 16,500
VANGUARD S&P 500 ETF ETF 922908363 5,569 15,288 SH   SOLE 0 0 0 15,288
MACKINAC FINL CORP Stock 554571109 743 53,028 SH   SOLE 0 0 0 53,028
INVESCO ULTRA SHORT DURATION ETF ETF 46090A887 6,855 135,802 SH   SOLE 0 0 0 135,801
NAKED BRAND GROUP LIMITED SHS NEW Stock Q6519T117 7 10,000 SH   SOLE 0 0 0 10,000
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 335 3,470 SH   SOLE 0 0 0 3,470
INVESCO S&P 500 LOW VOLATILITY ETF ETF 46138E354 6,063 104,268 SH   SOLE 0 0 0 104,267
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 1,249 21,497 SH   SOLE 0 0 0 21,497
AMERICAN ELEC PWR CO INC COM Stock 025537101 466 5,500 SH   SOLE 0 0 0 5,500
TRACTOR SUPPLY CO COM Stock 892356106 272 1,535 SH   SOLE 0 0 0 1,535
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 14,936 98,474 SH   SOLE 0 0 0 98,474
BLACKROCK ENHANCED DIVID ACHIEVERS TR COM CEF 09251A104 134 14,203 SH   SOLE 0 0 0 14,203
VISA INC Stock 92826C839 688 3,248 SH   SOLE 0 0 0 3,247
PIMCO CORPORATE INCOME FD CEF 72200U100 437 25,248 SH   SOLE 0 0 0 25,248
ISHARES TR MSCI USA MINIMUM VOLATILITY INDEX FD ETF 46429B697 894 12,915 SH   SOLE 0 0 0 12,914
VANGUARD VALUE ETF ETF 922908744 528 4,018 SH   SOLE 0 0 0 4,018
VANGUARD GROWTH ETF ETF 922908736 841 3,273 SH   SOLE 0 0 0 3,272
IRON MTN INC NEW COM REIT 46284V101 778 21,034 SH   SOLE 0 0 0 21,034
BLACKSTONE/GSO STRATEGIC CR FD COM SHS OF BEN INT CEF 09257R101 286 21,443 SH   SOLE 0 0 0 21,443
WP CAREY INC COM REIT 92936U109 432 6,098 SH   SOLE 0 0 0 6,098
WORKDAY INC CL A Stock 98138H101 216 868 SH   SOLE 0 0 0 868
SPDR SSGA INCOME ALLOCATION ETF ETF 78467V202 821 23,719 SH   SOLE 0 0 0 23,719
METLIFE INC COM Stock 59156R108 623 10,250 SH   SOLE 0 0 0 10,250
INVESCO S&P 500 HIGH DIVIDEND LOW VOLATILITY ETF ETF 46138E362 206 4,812 SH   SOLE 0 0 0 4,812
EQUIFAX INC COM Stock 294429105 5,434 30,000 SH   SOLE 0 30,000 0 0
ALLIANZGI CONV & INCOME FD CEF 92838X102 175 30,911 SH   SOLE 0 0 0 30,911
ORCHID IS CAP INC COM REIT 68571X103 253 42,118 SH   SOLE 0 0 0 42,118
MCDONALDS CORP COM Stock 580135101 774 3,451 SH   SOLE 0 0 0 3,451
CISCO SYS INC Stock 17275R102 565 10,928 SH   SOLE 0 0 0 10,928
ISHARES RUSSELL MID-CAP ETF ETF 464287499 383 5,181 SH   SOLE 0 0 0 5,180
AT&T INC COM Stock 00206R102 1,972 65,158 SH   SOLE 0 0 0 65,157
AT&T INC COM Stock 00206R102 151 5,000 SH Call SOLE 0 0 0 5,000
AT&T INC COM Stock 00206R102 0 0 SH Put SOLE 0 0 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 1,616 52,698 SH   SOLE 0 0 0 52,698
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396 9,761 60,680 SH   SOLE 0 0 0 60,679
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 437 5,069 SH   SOLE 0 0 0 5,069
CIGNA CORP Stock 125523100 217 899 SH   SOLE 0 0 0 899
WELLS FARGO CO NEW COM Stock 949746101 232 5,950 SH   SOLE 0 0 0 5,950
UNION PAC CORP COM Stock 907818108 489 2,218 SH   SOLE 0 0 0 2,217
ISHARES S&P U.S. PREFERRED STOCK ETF ETF 464288687 1,002 26,082 SH   SOLE 0 0 0 26,082
EDGEWELL PERS CARE CO COM Stock 28035Q102 368 9,281 SH   SOLE 0 9,281 0 0
PROSPECT CAPITAL CORPORATION CEF 74348T102 152 19,764 SH   SOLE 0 0 0 19,763
LOCKHEED MARTIN CORP Stock 539830109 459 1,242 SH   SOLE 0 0 0 1,242
JPMORGAN CHASE & CO COM Stock 46625H100 388 2,550 SH   SOLE 0 0 0 2,549
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 696 14,181 SH   SOLE 0 0 0 14,181
JHANCOCK TAX-ADV DIVIDEND INCOME CEF 41013V100 253 10,757 SH   SOLE 0 0 0 10,757
INVESCO S&P 500 PURE GROWTH ETF ETF 46137V266 6,190 37,684 SH   SOLE 0 0 0 37,684
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 877 17,820 SH   SOLE 0 0 0 17,820
WALMART INC COM Stock 931142103 755 5,561 SH   SOLE 0 0 0 5,560
INTL BUSINESS MACHINES Stock 459200101 607 4,552 SH   SOLE 0 0 0 4,551
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 204 2,645 SH   SOLE 0 0 0 2,645
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 400 3,960 SH   SOLE 0 0 0 3,960
SPDR NUVEEN BLOOMBERG BARCLAYS MUNICIPAL BOND ETF ETF 78468R721 772 14,936 SH   SOLE 0 0 0 14,936
PFIZER INC COM Stock 717081103 990 27,333 SH   SOLE 0 0 0 27,332
3M CO COM Stock 88579Y101 1,214 6,300 SH   SOLE 0 0 0 6,299
GILEAD SCIENCES INC Stock 375558103 239 3,700 SH   SOLE 0 0 0 3,700
AMGEN INC Stock 031162100 577 2,318 SH   SOLE 0 0 0 2,318
STIFEL FINL CORP COM Stock 860630102 1,445 22,557 SH   SOLE 0 0 0 22,557
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 10,659 72,470 SH   SOLE 0 0 0 72,469
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 23,881 512,351 SH   SOLE 0 0 0 512,351
DNP SELECT INCOME FD INC CEF 23325P104 152 15,407 SH   SOLE 0 0 0 15,407
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 287 5,096 SH   SOLE 0 0 0 5,096
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 616 16,250 SH   SOLE 0 0 0 16,250
PHILIP MORRIS INTL INC Stock 718172109 258 2,913 SH   SOLE 0 0 0 2,912
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 5,419 26,168 SH   SOLE 0 0 0 26,168
ALTRIA GROUP INC COM Stock 02209S103 241 4,715 SH   SOLE 0 0 0 4,715
EXXON MOBIL CORP COM Stock 30231G102 201 3,600 SH   SOLE 0 0 0 3,599
UNITEDHEALTH GROUP Stock 91324P102 701 1,883 SH   SOLE 0 0 0 1,883
ENERGIZER HLDGS INC NEW COM Stock 29272W109 440 9,281 SH   SOLE 0 9,281 0 0
COMMERCE BANCSHARES INC COM Stock 200525103 627 8,184 SH   SOLE 0 0 0 8,183
KRAFT HEINZ CO COM Stock 500754106 578 14,450 SH   SOLE 0 0 0 14,450
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 330 9,334 SH   SOLE 0 0 0 9,334
APPLE INC Stock 037833100 2,335 19,113 SH   SOLE 0 0 0 19,113
ABBOTT LABS COM Stock 002824100 476 3,971 SH   SOLE 0 0 0 3,970
DISNEY WALT CO COM Stock 254687106 1,389 7,529 SH   SOLE 0 0 0 7,528