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
INVESCO QQQ TR UNIT SER 1 46090E103 1,882 7,602 SH   SOLE   7,602 0 0
GENTEX CORP COM 371901109 2,730 105,937 SH   SOLE   105,937 0 0
COMCAST CORP NEW CL A 20030N101 440 11,281 SH   SOLE   3,929 0 7,352
ISHARES TR COHEN STEER REIT 464287564 1,639 16,244 SH   SOLE   16,154 0 90
LILLY ELI & CO COM 532457108 307 1,871 SH   SOLE   1,871 0 0
ISHARES TR S&P SML 600 GWT 464287887 263 1,550 SH   SOLE   1,550 0 0
ETF SER SOLUTIONS US GLB JETS 26922A842 2,496 149,885 SH   SOLE   149,555 0 330
ISHARES TR SHRT NAT MUN ETF 464288158 611 5,665 SH   SOLE   5,665 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,869 22,442 SH   SOLE   22,442 0 0
EXXON MOBIL CORP COM 30231G102 1,521 34,002 SH   SOLE   34,002 0 0
ISHARES TR IBONDS DEC2023 46435G318 896 34,140 SH   SOLE   34,140 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,624 42,691 SH   SOLE   42,131 0 560
ABBOTT LABS COM 002824100 349 3,820 SH   SOLE   3,820 0 0
GENERAL ELECTRIC CO COM 369604103 95 13,923 SH   SOLE   13,923 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 58,239 1,501,403 SH   SOLE   1,491,228 0 10,175
LINCOLN ELEC HLDGS INC COM 533900106 253 3,000 SH   SOLE   3,000 0 0
FORD MTR CO DEL COM 345370860 111 18,267 SH   SOLE   18,267 0 0
KINDER MORGAN INC DEL COM 49456B101 2,286 150,725 SH   SOLE   150,665 0 60
AT&T INC COM 00206R102 2,062 68,212 SH   SOLE   68,212 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 490 12,264 SH   SOLE   12,264 0 0
STRYKER CORPORATION COM 863667101 8,397 46,600 SH   SOLE   46,600 0 0
ISHARES INC ESG MSCI EM ETF 46434G863 209 6,530 SH   SOLE   6,530 0 0
COCA COLA CO COM 191216100 214 4,790 SH   SOLE   4,790 0 0
ALPHABET INC CAP STK CL C 02079K107 342 242 SH   SOLE   242 0 0
LENNOX INTL INC COM 526107107 2,619 11,241 SH   SOLE   11,241 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 230 545 SH   SOLE   545 0 0
3M CO COM 88579Y101 526 3,370 SH   SOLE   3,370 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 405 5,066 SH   SOLE   5,066 0 0
ISHARES TR CORE MSCI EAFE 46432F842 12,880 225,327 SH   SOLE   223,362 0 1,965
HOME DEPOT INC COM 437076102 566 2,257 SH   SOLE   2,257 0 0
SPDR GOLD TR GOLD SHS 78463V107 254 1,517 SH   SOLE   1,517 0 0
ROPER TECHNOLOGIES INC COM 776696106 5,676 14,619 SH   SOLE   14,619 0 0
DTE ENERGY CO COM 233331107 908 8,444 SH   SOLE   8,444 0 0
ALPHABET INC CAP STK CL A 02079K305 475 335 SH   SOLE   335 0 0
HONEYWELL INTL INC COM 438516106 203 1,402 SH   SOLE   1,402 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,496 67,052 SH   SOLE   67,052 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 14,471 575,396 SH   SOLE   575,396 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 891 38,495 SH   SOLE   38,495 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 9,019 334,534 SH   SOLE   332,334 0 2,200
NETFLIX INC COM 64110L106 2,408 5,292 SH   SOLE   5,292 0 0
AMERICAN EXPRESS CO COM 025816109 349 3,669 SH   SOLE   3,669 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,303 8,126 SH   SOLE   8,126 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 860 7,634 SH   SOLE   7,634 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,065 28,125 SH   SOLE   28,125 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 807 2,487 SH   SOLE   2,487 0 0
SOUTHERN CO COM 842587107 255 4,911 SH   SOLE   4,911 0 0
ISHARES TR CORE S&P500 ETF 464287200 192,991 623,173 SH   SOLE   617,564 0 5,609
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 590 9,024 SH   SOLE   9,024 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,233 30,139 SH   SOLE   30,139 0 0
ISHARES TR CORE S&P SCP ETF 464287804 44,573 652,703 SH   SOLE   648,593 0 4,110
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 623 11,831 SH   SOLE   11,831 0 0
CVS HEALTH CORP COM 126650100 2,257 34,740 SH   SOLE   34,740 0 0
PROLOGIS INC. COM 74340W103 2,323 24,890 SH   SOLE   24,890 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 14,235 540,032 SH   SOLE   540,032 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 14,072 536,473 SH   SOLE   536,473 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 565 6,966 SH   SOLE   6,966 0 0
CHEVRON CORP NEW COM 166764100 1,589 17,811 SH   SOLE   17,811 0 0
ISHARES TR TIPS BD ETF 464287176 32,032 260,425 SH   SOLE   258,987 0 1,438
LOCKHEED MARTIN CORP COM 539830109 350 960 SH   SOLE   960 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 276 11,320 SH   SOLE   11,320 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,118 39,710 SH   SOLE   39,470 0 240
VERTEX PHARMACEUTICALS INC COM 92532F100 285 980 SH   SOLE   40 0 940
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 23,448 283,666 SH   SOLE   283,336 0 330
UNITEDHEALTH GROUP INC COM 91324P102 7,021 23,804 SH   SOLE   23,188 0 616
ISHARES TR S&P 500 GRWT ETF 464287309 571 2,753 SH   SOLE   2,753 0 0
TJX COS INC NEW COM 872540109 4,297 84,990 SH   SOLE   84,990 0 0
ROCKWELL MED INC COM 774374102 201 102,834 SH   SOLE   102,834 0 0
ISHARES TR CORE MSCI INTL 46435G326 2,240 43,820 SH   SOLE   43,820 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 202 3,662 SH   SOLE   3,662 0 0
DISNEY WALT CO COM DISNEY 254687106 502 4,506 SH   SOLE   4,506 0 0
ISHARES TR IBONDS DEC2021 46435G789 277 10,685 SH   SOLE   10,685 0 0
NUCOR CORP COM 670346105 1,621 39,153 SH   SOLE   36,418 0 2,735
ISHARES TR S&P MC 400GR ETF 464287606 394 1,757 SH   SOLE   1,757 0 0
FREEPORT-MCMORAN INC CL B 35671D857 157 13,561 SH   SOLE   806 0 12,755
TE CONNECTIVITY LTD REG SHS H84989104 200 2,458 SH   SOLE   86 0 2,372
INTUITIVE SURGICAL INC COM NEW 46120E602 3,395 5,958 SH   SOLE   5,958 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 14,275 529,104 SH   SOLE   528,104 0 1,000
DANAHER CORPORATION COM 235851102 6,104 34,518 SH   SOLE   34,518 0 0
SNAP ON INC COM 833034101 2,526 18,236 SH   SOLE   18,236 0 0
ISHARES TR SH TR CRPORT ETF 464288646 316 5,785 SH   SOLE   5,785 0 0
MERCK & CO. INC COM 58933Y105 310 4,005 SH   SOLE   4,005 0 0
PFIZER INC COM 717081103 480 14,691 SH   SOLE   14,691 0 0
DOCUSIGN INC COM 256163106 3,670 21,310 SH   SOLE   21,310 0 0
AMERISOURCEBERGEN CORP COM 03073E105 1,598 15,863 SH   SOLE   15,863 0 0
ISHARES TR SELECT DIVID ETF 464287168 210 2,601 SH   SOLE   2,601 0 0
QURATE RETAIL INC COM SER A 74915M100 105 11,006 SH   SOLE   0 0 11,006
CATERPILLAR INC DEL COM 149123101 3,545 28,022 SH   SOLE   28,022 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 11,415 427,835 SH   SOLE   427,835 0 0
SYNOPSYS INC COM 871607107 6,945 35,616 SH   SOLE   35,616 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 14,700 572,448 SH   SOLE   572,448 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 24,790 983,718 SH   SOLE   979,493 0 4,225
BROADCOM INC COM 11135F101 250 791 SH   SOLE   39 0 752
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 23,961 604,922 SH   SOLE   600,797 0 4,125
ISHARES TR ESG MSCI EAFE 46435G516 506 8,360 SH   SOLE   8,360 0 0
ISHARES GOLD TRUST ISHARES 464285105 6,441 379,129 SH   SOLE   376,569 0 2,560
INTEL CORP COM 458140100 773 12,917 SH   SOLE   12,917 0 0
ORACLE CORP COM 68389X105 302 5,473 SH   SOLE   5,473 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 783 4,780 SH   SOLE   4,780 0 0
TESLA INC COM 88160R101 445 412 SH   SOLE   412 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,153 15,700 SH   SOLE   15,700 0 0
PROGRESSIVE CORP OHIO COM 743315103 1,121 13,990 SH   SOLE   13,990 0 0
TARGET CORP COM 87612E106 256 2,130 SH   SOLE   2,130 0 0
ISHARES TR S&P MC 400VL ETF 464287705 223 1,680 SH   SOLE   1,680 0 0
APPLE INC COM 037833100 14,036 38,477 SH   SOLE   38,477 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 455 4,350 SH   SOLE   4,350 0 0
PROCTER AND GAMBLE CO COM 742718109 4,124 34,491 SH   SOLE   34,491 0 0
ISHARES TR IBONDS SEP2020 46434V571 639 25,081 SH   SOLE   25,081 0 0
ABBVIE INC COM 00287Y109 4,468 45,510 SH   SOLE   44,515 0 995
VANGUARD INDEX FDS SMALL CP ETF 922908751 697 4,786 SH   SOLE   4,786 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 9,856 68,833 SH   SOLE   68,833 0 0
JPMORGAN CHASE & CO COM 46625H100 6,107 64,930 SH   SOLE   64,930 0 0
TWITTER INC COM 90184L102 214 7,192 SH   SOLE   0 0 7,192
ISHARES TR RUS MID CAP ETF 464287499 14,185 264,647 SH   SOLE   263,207 0 1,440
VANGUARD INDEX FDS GROWTH ETF 922908736 216 1,071 SH   SOLE   1,071 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,667 13,494 SH   SOLE   13,494 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 687 23,093 SH   SOLE   23,093 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 337 1,686 SH   SOLE   1,686 0 0
AMAZON COM INC COM 023135106 14,150 5,129 SH   SOLE   5,129 0 0
BOEING CO COM 097023105 3,152 17,193 SH   SOLE   17,193 0 0
ISHARES TR RUS 1000 ETF 464287622 20,334 118,443 SH   SOLE   118,443 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,551 95,615 SH   SOLE   95,095 0 520
UNITED PARCEL SERVICE INC CL B 911312106 11,182 100,572 SH   SOLE   100,572 0 0
KEYCORP COM 493267108 1,187 97,425 SH   SOLE   97,425 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 555 3,108 SH   SOLE   3,108 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,498 76,493 SH   SOLE   76,493 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,207 22,293 SH   SOLE   22,293 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 7,580 76,112 SH   SOLE   75,092 0 1,020
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 18,374 233,230 SH   SOLE   232,090 0 1,140
ISHARES TR MSCI EAFE ETF 464287465 4,195 68,911 SH   SOLE   68,911 0 0
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 11,519 454,774 SH   SOLE   454,774 0 0
CISCO SYS INC COM 17275R102 254 5,437 SH   SOLE   5,437 0 0
LOWES COS INC COM 548661107 5,866 43,413 SH   SOLE   43,413 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 12,829 134,845 SH   SOLE   134,175 0 670
FACEBOOK INC CL A 30303M102 5,814 25,606 SH   SOLE   25,506 0 100
ISHARES TR RUS 1000 GRW ETF 464287614 2,332 12,148 SH   SOLE   12,148 0 0
STARBUCKS CORP COM 855244109 2,577 35,013 SH   SOLE   35,013 0 0
BK OF AMERICA CORP COM 060505104 303 12,744 SH   SOLE   12,744 0 0
ISHARES TR S&P 500 VAL ETF 464287408 536 4,951 SH   SOLE   4,951 0 0
KIMBERLY CLARK CORP COM 494368103 399 2,823 SH   SOLE   2,823 0 0
ISHARES TR CORE S&P MCP ETF 464287507 58,895 331,208 SH   SOLE   329,378 0 1,830
ADOBE INC COM 00724F101 2,743 6,301 SH   SOLE   6,301 0 0
ISHARES TR IBONDS DEC 25 46435U432 211 7,567 SH   SOLE   7,567 0 0
MICROSOFT CORP COM 594918104 12,693 62,371 SH   SOLE   61,871 0 500
ISHARES TR 0-5YR HI YL CP 46434V407 5,710 133,130 SH   SOLE   133,130 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 317 3,171 SH   SOLE   3,171 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,304 20,443 SH   SOLE   20,443 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 243 1,174 SH   SOLE   1,174 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,075 16,736 SH   SOLE   16,736 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,746 28,338 SH   SOLE   28,338 0 0
ISHARES TR IBONDS DEC2022 46435G755 560 21,190 SH   SOLE   21,190 0 0
HORMEL FOODS CORP COM 440452100 2,770 57,377 SH   SOLE   57,377 0 0
JOHNSON & JOHNSON COM 478160104 1,020 7,253 SH   SOLE   7,253 0 0
PEPSICO INC COM 713448108 514 3,883 SH   SOLE   3,883 0 0
GALLAGHER ARTHUR J & CO COM 363576109 3,877 39,770 SH   SOLE   39,770 0 0
NVIDIA CORPORATION COM 67066G104 2,514 6,618 SH   SOLE   6,593 0 25