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
APPLE INC COM 037833100 2,349 14,892 SH   SOLE   0 0 14,892
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108 154 16,400 SH   SOLE   0 0 16,400
CHEVRON CORP NEW COM 166764100 201 1,852 SH   SOLE   0 0 1,852
CISCO SYS INC COM 17275R102 221 5,090 SH   SOLE   0 0 5,090
DNP SELECT INCOME FD COM 23325P104 149 14,289 SH   SOLE   0 0 14,289
FORD MTR CO DEL COM PAR $0.01 345370860 439 57,413 SH   SOLE   0 0 57,413
GRACO INC COM 384109104 708 16,910 SH   SOLE   0 0 16,910
HONEYWELL INTL INC COM 438516106 217 1,643 SH   SOLE   0 0 1,643
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 276 9,555 SH   SOLE   0 0 9,555
INTERNATIONAL BUSINESS MACHS COM 459200101 397 3,488 SH   SOLE   0 0 3,488
INVESCO MUN OPPORTUNITY TR COM 46132C107 177 15,842 SH   SOLE   0 0 15,842
ISHARES INC CORE MSCI EMKT 46434G103 1,772 37,582 SH   SOLE   0 0 37,582
ISHARES TR CORE S&P500 ETF 464287200 99,184 394,196 SH   SOLE   0 0 394,196
ISHARES TR CORE S&P MCP ETF 464287507 20,628 124,220 SH   SOLE   0 0 124,220
ISHARES TR CORE S&P SCP ETF 464287804 11,228 161,968 SH   SOLE   0 0 161,968
ISHARES TR CORE MSCI EAFE 46432F842 7,538 137,049 SH   SOLE   0 0 137,049
ISHARES TR CORE US AGGBD ET 464287226 5,300 49,767 SH   SOLE   0 0 49,767
ISHARES TR RUSSELL 3000 ETF 464287689 4,995 34,000 SH   SOLE   0 0 34,000
ISHARES TR CORE DIV GRWTH 46434V621 3,471 104,618 SH   SOLE   0 0 104,618
ISHARES TR IBOXX INV CP ETF 464287242 2,765 24,510 SH   SOLE   0 0 24,510
ISHARES TR SP SMCP600VL ETF 464287879 979 7,428 SH   SOLE   0 0 7,428
ISHARES TR MBS ETF 464288588 695 6,640 SH   SOLE   0 0 6,640
ISHARES TR RUS 1000 GRW ETF 464287614 668 5,101 SH   SOLE   0 0 5,101
JP MORGAN EXCHANGE TRADED FD JPMORGAN DIVER 46641Q407 17,554 270,602 SH   SOLE   0 0 270,602
MCDONALDS CORP COM 580135101 250 1,407 SH   SOLE   0 0 1,407
MICROSOFT CORP COM 594918104 983 9,676 SH   SOLE   0 0 9,676
NUVEEN MICHIGAN QLT MUN INC COM 670979103 145 11,651 SH   SOLE   0 0 11,651
PIMCO CORPORATE INCOME STRAT COM 72200U100 212 14,250 SH   SOLE   0 0 14,250
PIMCO ETF TR 1-5 US TIP IDX 72201R205 1,109 21,809 SH   SOLE   0 0 21,809
PIMCO ETF TR ACTIVE BD ETF 72201R775 906 8,820 SH   SOLE   0 0 8,820
PROCTER AND GAMBLE CO COM 742718109 622 6,769 SH   SOLE   0 0 6,769
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 29,446 493,234 SH   SOLE   0 0 493,234
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 26,732 446,052 SH   SOLE   0 0 446,052
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 19,876 701,081 SH   SOLE   0 0 701,081
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 13,670 270,221 SH   SOLE   0 0 270,221
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,329 198,625 SH   SOLE   0 0 198,625
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,953 103,343 SH   SOLE   0 0 103,343
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,208 178,819 SH   SOLE   0 0 178,819
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,459 56,996 SH   SOLE   0 0 56,996
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,805 35,231 SH   SOLE   0 0 35,231
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 31,277 394,856 SH   SOLE   0 0 394,856
VANGUARD GROUP DIV APP ETF 921908844 42,031 429,109 SH   SOLE   0 0 429,109
VANGUARD INDEX FDS GROWTH ETF 922908736 10,818 80,534 SH   SOLE   0 0 80,534
VANGUARD INDEX FDS VALUE ETF 922908744 8,031 81,987 SH   SOLE   0 0 81,987
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,477 11,569 SH   SOLE   0 0 11,569
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,750 413,390 SH   SOLE   0 0 413,390
VANGUARD STAR FD VG TL INTL STK F 921909768 279 5,914 SH   SOLE   0 0 5,914
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 62,358 1,680,820 SH   SOLE   0 0 1,680,820