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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
BLUE OWL CAPITAL CORPORATION COM 69121K104   359,867 25,983 SH   SOLE   0 0 25,983
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   610,661 11,746 SH   SOLE   0 0 11,746
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206   426,205 14,868 SH   SOLE   0 0 14,868
INVESCO EXCH TRADED FD TR II KBW HIG DV YLD 46138E610   1,673,088 110,144 SH   SOLE   0 0 110,144
INVESCO EXCH TRADED FD TR II KBW PREM YIELD 46138E594   2,262,590 129,587 SH   SOLE   0 0 129,587
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506   872,912 23,896 SH   SOLE   0 0 23,896
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   6,899,586 137,881 SH   SOLE   0 0 137,881
INVESCO QQQ TR UNIT SER 1 46090E103   2,918,938 8,147 SH   SOLE   0 0 8,147
ISHARES GOLD TR ISHARES NEW 464285204   245,630 7,020 SH   SOLE   0 0 7,020
ISHARES INC CORE MSCI EMKT 46434G103   9,075,348 190,699 SH   SOLE   0 0 190,699
ISHARES TR CORE DIV GRWTH 46434V621   45,170,703 911,987 SH   SOLE   0 0 911,987
ISHARES TR CORE HIGH DV ETF 46429B663   200,573 2,028 SH   SOLE   0 0 2,028
ISHARES TR CORE MSCI EAFE 46432F842   39,132,526 608,120 SH   SOLE   0 0 608,120
ISHARES TR CORE MSCI INTL 46435G326   1,420,810 24,379 SH   SOLE   0 0 24,379
ISHARES TR CORE S&P MCP ETF 464287507   717,826 2,879 SH   SOLE   0 0 2,879
ISHARES TR CORE S&P SCP ETF 464287804   1,058,239 11,218 SH   SOLE   0 0 11,218
ISHARES TR CORE S&P TTL STK 464287150   610,803 6,485 SH   SOLE   0 0 6,485
ISHARES TR CORE S&P US GWT 464287671   23,418,607 246,954 SH   SOLE   0 0 246,954
ISHARES TR CORE S&P US VLU 464287663   14,049,043 188,274 SH   SOLE   0 0 188,274
ISHARES TR CORE S&P500 ETF 464287200   4,712,883 10,975 SH   SOLE   0 0 10,975
ISHARES TR CORE US AGGBD ET 464287226   641,732 6,824 SH   SOLE   0 0 6,824
ISHARES TR GLOBAL TECH ETF 464287291   526,067 9,095 SH   SOLE   0 0 9,095
ISHARES TR IBOXX HI YD ETF 464288513   536,300 7,275 SH   SOLE   0 0 7,275
ISHARES TR MSCI EAFE ETF 464287465   9,733,028 141,222 SH   SOLE   0 0 141,222
ISHARES TR MSCI USA QLT FCT 46432F339   25,010,183 189,773 SH   SOLE   0 0 189,773
ISHARES TR NATIONAL MUN ETF 464288414   3,196,254 31,171 SH   SOLE   0 0 31,171
ISHARES TR RESIDENTIAL MULT 464288562   497,512 7,544 SH   SOLE   0 0 7,544
ISHARES TR RUS 1000 GRW ETF 464287614   674,551 2,536 SH   SOLE   0 0 2,536
ISHARES TR RUS 2000 VAL ETF 464287630   425,481 3,139 SH   SOLE   0 0 3,139
ISHARES TR RUSSELL 2000 ETF 464287655   251,917 1,425 SH   SOLE   0 0 1,425
ISHARES TR S&P 500 GRWT ETF 464287309   2,139,964 31,277 SH   SOLE   0 0 31,277
ISHARES TR S&P 500 VAL ETF 464287408   1,955,463 12,711 SH   SOLE   0 0 12,711
ISHARES TR SELECT DIVID ETF 464287168   456,060 4,237 SH   SOLE   0 0 4,237
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   364,475 7,263 SH   SOLE   0 0 7,263
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720   212,465 8,690 SH   SOLE   0 0 8,690
MERCANTILE BK CORP COM 587376104   704,102 22,779 SH   SOLE   0 0 22,779
MIMEDX GROUP INC COM 602496101   288,604 39,589 SH   SOLE   0 0 39,589
PENNANTPARK FLOATING RATE CA COM 70806A106   217,166 20,372 SH   SOLE   0 0 20,372
PLAYA HOTELS & RESORTS NV SHS N70544106   396,027 54,700 SH   SOLE   0 0 54,700
PROSPECT CAP CORP COM 74348T102   168,277 27,814 SH   SOLE   0 0 27,814
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   671,900 9,495 SH   SOLE   0 0 9,495
SELECT SECTOR SPDR TR ENERGY 81369Y506   4,381,336 48,471 SH   SOLE   0 0 48,471
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   204,026 6,151 SH   SOLE   0 0 6,151
SELECT SECTOR SPDR TR INDL 81369Y704   283,350 2,795 SH   SOLE   0 0 2,795
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   285,447 2,217 SH   SOLE   0 0 2,217
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   279,922 1,708 SH   SOLE   0 0 1,708
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   771,584 2,304 SH   SOLE   0 0 2,304
SPDR GOLD TR GOLD SHS 78463V107   9,252,387 53,966 SH   SOLE   0 0 53,966
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   17,004,732 548,363 SH   SOLE   0 0 548,363
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   14,263,793 424,897 SH   SOLE   0 0 424,897
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,655,129 122,326 SH   SOLE   0 0 122,326
SPDR SER TR NUVEEN BLOOMBERG 78464A284   253,518 10,643 SH   SOLE   0 0 10,643
SPDR SER TR PRTFLO S&P500 GW 78464A409   397,127 6,699 SH   SOLE   0 0 6,699
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,001,291 54,610 SH   SOLE   0 0 54,610
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,038,260 41,982 SH   SOLE   0 0 41,982
SPDR SER TR S&P METALS MNG 78464A755   3,819,345 72,749 SH   SOLE   0 0 72,749
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   5,649,227 22,886 SH   SOLE   0 0 22,886
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   4,717,938 31,730 SH   SOLE   0 0 31,730
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   22,967,927 329,148 SH   SOLE   0 0 329,148
VANGUARD INDEX FDS GROWTH ETF 922908736   78,802,288 289,384 SH   SOLE   0 0 289,384
VANGUARD INDEX FDS MID CAP ETF 922908629   1,233,681 5,924 SH   SOLE   0 0 5,924
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,784,852 4,545 SH   SOLE   0 0 4,545
VANGUARD INDEX FDS SM CP VAL ETF 922908611   22,851,037 143,276 SH   SOLE   0 0 143,276
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,003,278 10,595 SH   SOLE   0 0 10,595
VANGUARD INDEX FDS SML CP GRW ETF 922908595   19,571,868 91,380 SH   SOLE   0 0 91,380
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,526,637 11,895 SH   SOLE   0 0 11,895
VANGUARD INDEX FDS VALUE ETF 922908744   57,458,517 416,577 SH   SOLE   0 0 416,577
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   516,251 9,953 SH   SOLE   0 0 9,953
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,595,769 117,209 SH   SOLE   0 0 117,209
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   213,136 2,287 SH   SOLE   0 0 2,287
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,171,313 71,897 SH   SOLE   0 0 71,897
VANGUARD STAR FDS VG TL INTL STK F 921909768   379,008 7,082 SH   SOLE   0 0 7,082
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,475,737 33,754 SH   SOLE   0 0 33,754
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   403,422 3,905 SH   SOLE   0 0 3,905
VANGUARD WORLD FD MEGA CAP INDEX 921910873   873,931 5,754 SH   SOLE   0 0 5,754
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   435,082 2,382 SH   SOLE   0 0 2,382
VANGUARD WORLD FDS INF TECH ETF 92204A702   694,170 1,673 SH   SOLE   0 0 1,673
ZOMEDICA CORP COM 98980M109   2,089 12,500 SH   SOLE   0 0 12,500