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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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
ALTRIA GROUP INC COM 02209S103 968 16,862 SH   SOLE   0 0 16,862
APPLE INC COM 037833100 2,826 14,880 SH   SOLE   0 0 14,880
CALAMOS CONV & HIGH INCOME COM SHS 12811P108 178 16,400 SH   SOLE   0 0 16,400
DNP SELECT INCOME FD COM 23325P104 165 14,289 SH   SOLE   0 0 14,289
DTE ENERGY CO COM 233331107 303 2,430 SH   SOLE   0 0 2,430
FIRST TR EXCHANGE TRADED F FIRST TR ENH NEW 33739Q408 67,251 1,121,218 SH   SOLE   0 0 1,121,218
FORD MTR CO DEL COM 345370860 478 54,413 SH   SOLE   0 0 54,413
GRACO INC COM 384109104 823 16,610 SH   SOLE   0 0 16,610
INTERNATIONAL BUSINESS MAC COM 459200101 490 3,469 SH   SOLE   0 0 3,469
ISHARES INC CORE MSCI EMKT 46434G103 1,745 33,754 SH   SOLE   0 0 33,754
ISHARES TR CORE S&P500 ETF 464287200 99,555 349,857 SH   SOLE   0 0 349,857
ISHARES TR CORE S&P MCP ETF 464287507 22,084 116,600 SH   SOLE   0 0 116,600
ISHARES TR CORE S&P SCP ETF 464287804 10,579 137,121 SH   SOLE   0 0 137,121
ISHARES TR CORE MSCI EAFE 46432F842 7,556 124,337 SH   SOLE   0 0 124,337
ISHARES TR CORE US AGGBD ET 464287226 5,433 49,814 SH   SOLE   0 0 49,814
ISHARES TR RUSSELL 3000 ETF 464287689 3,855 23,126 SH   SOLE   0 0 23,126
ISHARES TR CORE DIV GRWTH 46434V621 3,224 87,737 SH   SOLE   0 0 87,737
ISHARES TR SP SMCP600VL ETF 464287879 1,065 7,215 SH   SOLE   0 0 7,215
ISHARES TR RUS 1000 GRW ETF 464287614 759 5,013 SH   SOLE   0 0 5,013
JP MORGAN EXCHANGE TRADED JPMORGAN DIVER 46641Q407 18,362 251,012 SH   SOLE   0 0 251,012
MICROSOFT CORP COM 594918104 1,141 9,676 SH   SOLE   0 0 9,676
MONDELEZ INTL INC CL A 609207105 1,324 26,522 SH   SOLE   0 0 26,522
NUVEEN MICHIGAN QLT MUN IN COM 670979103 154 11,651 SH   SOLE   0 0 11,651
PHILIP MORRIS INTL INC COM 718172109 1,495 16,914 SH   SOLE   0 0 16,914
PIMCO CORPORATE INCOME STR COM 72200U100 245 14,250 SH   SOLE   0 0 14,250
PIMCO ETF TR ACTIVE BD ETF 72201R775 942 8,930 SH   SOLE   0 0 8,930
PIMCO ETF TR 1-5 US TIP IDX 72201R205 800 15,462 SH   SOLE   0 0 15,462
PROCTER AND GAMBLE CO COM 742718109 716 6,878 SH   SOLE   0 0 6,878
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 28,475 421,168 SH   SOLE   0 0 421,168
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,558 656,604 SH   SOLE   0 0 656,604
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 19,346 284,290 SH   SOLE   0 0 284,290
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 14,558 280,606 SH   SOLE   0 0 280,606
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,922 170,659 SH   SOLE   0 0 170,659
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,435 80,067 SH   SOLE   0 0 80,067
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,260 163,781 SH   SOLE   0 0 163,781
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,425 48,977 SH   SOLE   0 0 48,977
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,264 32,797 SH   SOLE   0 0 32,797
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 35,964 443,018 SH   SOLE   0 0 443,018
VANGUARD GROUP DIV APP ETF 921908844 39,343 358,834 SH   SOLE   0 0 358,834
VANGUARD INDEX FDS GROWTH ETF 922908736 12,069 77,160 SH   SOLE   0 0 77,160
VANGUARD INDEX FDS VALUE ETF 922908744 8,635 80,232 SH   SOLE   0 0 80,232
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,606 11,101 SH   SOLE   0 0 11,101
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 16,017 376,861 SH   SOLE   0 0 376,861
VANGUARD STAR FD VG TL INTL STK F 921909768 307 5,914 SH   SOLE   0 0 5,914
VANGUARD TAX MANAGED INTL FTSE DEV MKT ETF 921943858 65,003 1,590,493 SH   SOLE   0 0 1,590,493