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
INTEL CORP COM 458140100 437 8,071 SH   SOLE 0 0 0 8,071
3M CO COM 88579Y101 338 2,479 SH   SOLE 0 0 0 2,479
GENERAL DYNAMICS CORP COM 369550108 398 3,012 SH   SOLE 0 0 0 3,012
D R HORTON INC COM 23331A109 261 7,681 SH   SOLE 0 0 0 7,681
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,331 24,026 SH   SOLE 0 0 0 24,026
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 4,324 139,487 SH   SOLE 0 0 0 139,487
CADENCE DESIGN SYSTEM INC COM 127387108 552 8,356 SH   SOLE 0 0 0 8,356
ISHARES TR MBS ETF 464288588 2,352 21,294 SH   SOLE 0 0 0 21,294
MONSTER BEVERAGE CORP NEW COM 61174X109 316 5,618 SH   SOLE 0 0 0 5,618
GOLDMAN SACHS GROUP INC COM 38141G104 310 2,007 SH   SOLE 0 0 0 2,007
ISHARES TR TIPS BD ETF 464287176 3,547 30,080 SH   SOLE 0 0 0 30,080
NORTHROP GRUMMAN CORP COM 666807102 368 1,216 SH   SOLE 0 0 0 1,216
SPDR SER TR MSCI USA STRTGIC 78468R812 274 3,590 SH   SOLE 0 0 0 3,590
BRISTOL-MYERS SQUIBB CO COM 110122108 783 14,044 SH   SOLE 0 0 0 14,044
ISHARES TR US TREAS BD ETF 46429B267 219 7,834 SH   SOLE 0 0 0 7,834
MICROSOFT CORP COM 594918104 1,431 9,073 SH   SOLE 0 0 0 9,073
BJS WHSL CLUB HLDGS INC COM 05550J101 221 8,680 SH   SOLE 0 0 0 8,680
ISHARES INC MSCI FRNTR100ETF 464286145 363 17,003 SH   SOLE 0 0 0 17,003
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,891 210,538 SH   SOLE 0 0 0 210,538
EXXON MOBIL CORP COM 30231G102 253 6,662 SH   SOLE 0 0 0 6,662
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 3,361 41,815 SH   SOLE 0 0 0 41,815
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,477 20,883 SH   SOLE 0 0 0 20,883
VIACOMCBS INC CL B 92556H206 342 24,422 SH   SOLE 0 0 0 24,422
BROADCOM INC COM 11135F101 371 1,564 SH   SOLE 0 0 0 1,564
ALGONQUIN PWR UTILS CORP COM 015857105 174 13,015 SH   SOLE 0 0 0 13,015
TEMPUR SEALY INTL INC COM 88023U101 214 4,897 SH   SOLE 0 0 0 4,897
TOPBUILD CORP COM 89055F103 276 3,856 SH   SOLE 0 0 0 3,856
PAYLOCITY HLDG CORP COM 70438V106 282 3,188 SH   SOLE 0 0 0 3,188
HUMANA INC COM 444859102 539 1,715 SH   SOLE 0 0 0 1,715
REPLIGEN CORP COM 759916109 477 4,940 SH   SOLE 0 0 0 4,940
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,165 55,582 SH   SOLE 0 0 0 55,582
GILEAD SCIENCES INC COM 375558103 462 6,186 SH   SOLE 0 0 0 6,186
ISHARES TR FLTG RATE NT ETF 46429B655 562 11,536 SH   SOLE 0 0 0 11,536
ISHARES TR CORE S&P500 ETF 464287200 867 3,356 SH   SOLE 0 0 0 3,356
MOLINA HEALTHCARE INC COM 60855R100 220 1,575 SH   SOLE 0 0 0 1,575
ISHARES GOLD TRUST ISHARES 464285105 377 25,002 SH   SOLE 0 0 0 25,002
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 14,145 226,897 SH   SOLE 0 0 0 226,897
MEDTRONIC PLC SHS G5960L103 257 2,847 SH   SOLE 0 0 0 2,847
HONEYWELL INTL INC COM 438516106 303 2,268 SH   SOLE 0 0 0 2,268
WISDOMTREE TR US QTLY DIV GRT 97717X669 217 5,585 SH   SOLE 0 0 0 5,585
UNITED TECHNOLOGIES CORP COM 913017109 733 7,765 SH   SOLE 0 0 0 7,765
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 241 4,279 SH   SOLE 0 0 0 4,279
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 547 2,994 SH   SOLE 0 0 0 2,994
ZYNGA INC CL A 98986T108 130 19,030 SH   SOLE 0 0 0 19,030
ISHARES TR AGENCY BOND ETF 464288166 4,534 37,605 SH   SOLE 0 0 0 37,605
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,013 95,183 SH   SOLE 0 0 0 95,183
WALMART INC COM 931142103 541 4,757 SH   SOLE 0 0 0 4,757
PAYPAL HLDGS INC COM 70450Y103 596 6,220 SH   SOLE 0 0 0 6,220
ISHARES TR CORE INTL AGGR 46435G672 1,269 23,204 SH   SOLE 0 0 0 23,204
DISNEY WALT CO COM DISNEY 254687106 248 2,571 SH   SOLE 0 0 0 2,571
ISHARES TR 3 7 YR TREAS BD 464288661 17,036 127,767 SH   SOLE 0 0 0 127,767
ISHARES TR IBOXX INV CP ETF 464287242 4,130 33,442 SH   SOLE 0 0 0 33,442
ISHARES TR CORE DIV GRWTH 46434V621 2,525 77,473 SH   SOLE 0 0 0 77,473
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 965 16,425 SH   SOLE 0 0 0 16,425
VANECK VECTORS ETF TR AMT FREE LONG MU 92189F536 505 24,730 SH   SOLE 0 0 0 24,730
VERIZON COMMUNICATIONS INC COM 92343V104 699 13,009 SH   SOLE 0 0 0 13,009
US BANCORP DEL COM NEW 902973304 230 6,688 SH   SOLE 0 0 0 6,688
TYLER TECHNOLOGIES INC COM 902252105 405 1,367 SH   SOLE 0 0 0 1,367
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 515 15,436 SH   SOLE 0 0 0 15,436
ISHARES TR CORE US AGGBD ET 464287226 3,054 26,473 SH   SOLE 0 0 0 26,473
NUVEEN MICHIGAN QLT MUN INC COM 670979103 161 12,000 SH   SOLE 0 0 0 12,000
ISHARES TR CORE S&P SCP ETF 464287804 4,233 75,441 SH   SOLE 0 0 0 75,441
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,823 111,570 SH   SOLE 0 0 0 111,570
NETFLIX INC COM 64110L106 793 2,113 SH   SOLE 0 0 0 2,113
SPDR SER TR SPDR BLOOMBERG 78468R663 841 9,174 SH   SOLE 0 0 0 9,174
JPMORGAN CHASE & CO COM 46625H100 378 4,196 SH   SOLE 0 0 0 4,196
ISHARES TR 1 3 YR TREAS BD 464287457 4,661 53,774 SH   SOLE 0 0 0 53,774
GRACO INC COM 384109104 342 7,026 SH   SOLE 0 0 0 7,026
ATLASSIAN CORP PLC CL A G06242104 503 3,666 SH   SOLE 0 0 0 3,666
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,866 84,618 SH   SOLE 0 0 0 84,618
SPDR SER TR PORTFOLIO SH TSR 78468R101 4,566 148,632 SH   SOLE 0 0 0 148,632
AMAZON COM INC COM 023135106 1,260 646 SH   SOLE 0 0 0 646
NORTHERN LTS FD TR III HCM DEFND 100 66538R748 1,049 41,584 SH   SOLE 0 0 0 41,584
SERVICENOW INC COM 81762P102 493 1,719 SH   SOLE 0 0 0 1,719
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 411 5,198 SH   SOLE 0 0 0 5,198
COCA COLA CO COM 191216100 436 9,864 SH   SOLE 0 0 0 9,864
UNITEDHEALTH GROUP INC COM 91324P102 561 2,248 SH   SOLE 0 0 0 2,248
RH COM 74967X103 216 2,150 SH   SOLE 0 0 0 2,150
VISA INC COM CL A 92826C839 421 2,615 SH   SOLE 0 0 0 2,615
VANECK VECTORS ETF TR EMERGING MKTS HI 92189F353 4,947 247,835 SH   SOLE 0 0 0 247,835
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 492 4,760 SH   SOLE 0 0 0 4,760
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,591 64,683 SH   SOLE 0 0 0 64,683
MONOLITHIC PWR SYS INC COM 609839105 498 2,974 SH   SOLE 0 0 0 2,974
EPAM SYS INC COM 29414B104 428 2,303 SH   SOLE 0 0 0 2,303
GLOBANT S A COM L44385109 434 4,935 SH   SOLE 0 0 0 4,935
VANGUARD INDEX FDS VALUE ETF 922908744 3,093 34,726 SH   SOLE 0 0 0 34,726
PURECYCLE CORP COM NEW 746228303 231 20,714 SH   SOLE 0 0 0 20,714
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 508 9,404 SH   SOLE 0 0 0 9,404
ACTIVISION BLIZZARD INC COM 00507V109 473 7,947 SH   SOLE 0 0 0 7,947
ISHARES TR 0-5YR INVT GR CP 46434V100 898 17,918 SH   SOLE 0 0 0 17,918
VERTEX PHARMACEUTICALS INC COM 92532F100 377 1,583 SH   SOLE 0 0 0 1,583
SPDR SER TR SSGA US LRG ETF 78468R804 203 2,245 SH   SOLE 0 0 0 2,245
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 4,219 79,758 SH   SOLE 0 0 0 79,758
ISHARES INC MIN VOL GBL ETF 464286525 2,007 24,982 SH   SOLE 0 0 0 24,982
ABBVIE INC COM 00287Y109 308 4,047 SH   SOLE 0 0 0 4,047
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,658 13,090 SH   SOLE 0 0 0 13,090
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,370 15,767 SH   SOLE 0 0 0 15,767
PROCTER & GAMBLE CO COM 742718109 1,256 11,418 SH   SOLE 0 0 0 11,418
VMWARE INC CL A COM 928563402 342 2,820 SH   SOLE 0 0 0 2,820
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 159 12,000 SH   SOLE 0 0 0 12,000
JOHNSON & JOHNSON COM 478160104 554 4,228 SH   SOLE 0 0 0 4,228
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,193 24,694 SH   SOLE 0 0 0 24,694
ISHARES INC CORE MSCI EMKT 46434G103 202 4,995 SH   SOLE 0 0 0 4,995
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 508 21,500 SH   SOLE 0 0 0 21,500
TELEFLEX INCORPORATED COM 879369106 391 1,334 SH   SOLE 0 0 0 1,334
MEDPACE HLDGS INC COM 58506Q109 257 3,497 SH   SOLE 0 0 0 3,497
ANTHEM INC COM 036752103 364 1,603 SH   SOLE 0 0 0 1,603
PEPSICO INC COM 713448108 248 2,062 SH   SOLE 0 0 0 2,062
QCR HOLDINGS INC COM 74727A104 243 8,991 SH   SOLE 0 0 0 8,991
FORD MTR CO DEL COM 345370860 1,064 220,365 SH   SOLE 0 0 0 220,365
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,180 65,036 SH   SOLE 0 0 0 65,036
SYNOPSYS INC COM 871607107 575 4,463 SH   SOLE 0 0 0 4,463
RAYTHEON CO COM NEW 755111507 357 2,725 SH   SOLE 0 0 0 2,725
DEERE & CO COM 244199105 334 2,419 SH   SOLE 0 0 0 2,419
ISHARES TR 0-5YR HI YL CP 46434V407 7,674 187,765 SH   SOLE 0 0 0 187,765
SPDR SER TR PORTFOLIO S&P500 78464A854 218 7,194 SH   SOLE 0 0 0 7,194
FERRARI N V COM N3167Y103 457 2,998 SH   SOLE 0 0 0 2,998
NORTHERN LTS FD TR III HCM DEFEN 500 66538R730 978 43,284 SH   SOLE 0 0 0 43,284
FAIR ISAAC CORP COM 303250104 338 1,099 SH   SOLE 0 0 0 1,099
NVIDIA CORP COM 67066G104 902 3,421 SH   SOLE 0 0 0 3,421
ADOBE INC COM 00724F101 613 1,927 SH   SOLE 0 0 0 1,927
VANECK VECTORS ETF TR AMT FREE SHORT M 92189F528 4,393 252,737 SH   SOLE 0 0 0 252,737
ADVANCED MICRO DEVICES INC COM 007903107 202 4,433 SH   SOLE 0 0 0 4,433
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,063 10,942 SH   SOLE 0 0 0 10,942
ISHARES TR FALN ANGLS USD 46435G474 1,040 46,333 SH   SOLE 0 0 0 46,333
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,705 53,111 SH   SOLE 0 0 0 53,111
ABBOTT LABS COM 002824100 612 7,760 SH   SOLE 0 0 0 7,760
ALPHABET INC CAP STK CL A 02079K305 890 766 SH   SOLE 0 0 0 766
VEEVA SYS INC CL A COM 922475108 549 3,509 SH   SOLE 0 0 0 3,509
MATCH GROUP INC COM 57665R106 463 7,005 SH   SOLE 0 0 0 7,005
THE TRADE DESK INC COM CL A 88339J105 362 1,877 SH   SOLE 0 0 0 1,877
TELEFONICA BRASIL SA SPONSORED ADR 87936R106 110 11,519 SH   SOLE 0 0 0 11,519
R1 RCM INC COM 749397105 142 15,615 SH   SOLE 0 0 0 15,615
QUALCOMM INC COM 747525103 333 4,923 SH   SOLE 0 0 0 4,923
ISHARES TR RUS 1000 ETF 464287622 5,052 35,693 SH   SOLE 0 0 0 35,693
ISHARES TR AGGRES ALLOC ETF 464289859 437 9,211 SH   SOLE 0 0 0 9,211
LOCKHEED MARTIN CORP COM 539830109 524 1,545 SH   SOLE 0 0 0 1,545
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,456 27,860 SH   SOLE 0 0 0 27,860
TG THERAPEUTICS INC COM 88322Q108 98 10,000 SH   SOLE 0 0 0 10,000
TARGET CORP COM 87612E106 432 4,645 SH   SOLE 0 0 0 4,645
GLOBAL PMTS INC COM 37940X102 484 3,356 SH   SOLE 0 0 0 3,356
NOVOCURE LTD ORD SHS G6674U108 454 6,749 SH   SOLE 0 0 0 6,749
ROSS STORES INC COM 778296103 341 3,926 SH   SOLE 0 0 0 3,926
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 9,639 40,700 SH   SOLE 0 0 0 40,700
FIREEYE INC NOTE 1.625% 6/0 31816QAD3 32 35,000 PRN   SOLE 0 0 0 35,000
APPLE INC COM 037833100 2,156 8,480 SH   SOLE 0 0 0 8,480
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,880 35,427 SH   SOLE 0 0 0 35,427
ENEL AMERICAS S A SPONSORED ADR 29274F104 73 12,043 SH   SOLE 0 0 0 12,043
AT&T INC COM 00206R102 257 8,805 SH   SOLE 0 0 0 8,805
SOLARWINDS CORP COM 83417Q105 171 10,895 SH   SOLE 0 0 0 10,895