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
3M CO COM 88579Y101 1,453 7,370 SH   SOLE 0 0 7,370
AMAZON COM INC COM 023135106 657 386 SH   SOLE 0 0 386
ANDERSONS INC COM 034164103 301 8,759 SH   SOLE 0 0 8,759
APPLE INC COM 037833100 428 2,312 SH   SOLE 0 0 2,312
ARES CAP CORP COM 04010L103 270 16,331 SH   SOLE 0 0 16,331
BANCORP NEW JERSEY INC NEW COM 059915108 204 11,550 SH   SOLE 0 0 11,550
BLACKROCK ENERGY & RES TR COM 09250U101 237 15,559 SH   SOLE 0 0 15,559
CHEVRON CORP NEW COM 166764100 288 2,262 SH   SOLE 0 0 2,262
CHIMERA INVT CORP COM NEW 16934Q208 3,702 196,940 SH   SOLE 0 0 196,940
DONALDSON INC COM 257651109 442 9,825 SH   SOLE 0 0 9,825
EXXON MOBIL CORP COM 30231G102 336 4,050 SH   SOLE 0 0 4,050
FARMER & MERCHANTS BANCORP I COM 30779N105 1,917 47,319 SH   SOLE 0 0 47,319
FIDELITY DIVID ETF RISI 316092832 469 15,534 SH   SOLE 0 0 15,534
FIRST DEFIANCE FINL CORP COM 32006W106 215 3,215 SH   SOLE 0 0 3,215
FIRST TR S&P REIT INDEX FD COM 33734G108 796 34,010 SH   SOLE 0 0 34,010
FS INVT CORP COM 302635107 2,252 298,251 SH   SOLE 0 0 298,251
HUNTINGTON BANCSHARES INC COM 446150104 189 12,713 SH   SOLE 0 0 12,713
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 706 6,916 SH   SOLE 0 0 6,916
INVESCO EXCHNG TRADED FD TR S&P MIDCP LOW 46138E198 894 19,031 SH   SOLE 0 0 19,031
INVESCO EXCHNG TRADED FD TR S&P EMRNG MKTS 46138E297 364 15,120 SH   SOLE 0 0 15,120
INVESCO EXCHNG TRADED FD TR S&P500 HDL VOL 46138E362 215 5,264 SH   SOLE 0 0 5,264
INVESCO EXCHNG TRADED FD TR FTSE RAFI SML 46138E735 347 10,473 SH   SOLE 0 0 10,473
ISHARES INC EM MKTS DIV ETF 464286319 4,880 123,849 SH   SOLE 0 0 123,849
ISHARES INC CORE MSCI EMKT 46434G103 4,308 82,009 SH   SOLE 0 0 82,009
ISHARES TR CORE S&P500 ETF 464287200 2,479 9,040 SH   SOLE 0 0 9,040
ISHARES TR CORE US AGGBD ET 464287226 8,789 82,625 SH   SOLE 0 0 82,625
ISHARES TR GLOBAL TECH ETF 464287291 231 1,403 SH   SOLE 0 0 1,403
ISHARES TR S&P 500 GRWT ETF 464287309 279 1,720 SH   SOLE 0 0 1,720
ISHARES TR S&P 500 VAL ETF 464287408 1,197 10,803 SH   SOLE 0 0 10,803
ISHARES TR MSCI EAFE ETF 464287465 2,309 34,441 SH   SOLE 0 0 34,441
ISHARES TR CORE S&P MCP ETF 464287507 1,394 7,127 SH   SOLE 0 0 7,127
ISHARES TR RUS 1000 VAL ETF 464287598 307 2,523 SH   SOLE 0 0 2,523
ISHARES TR RUS 1000 GRW ETF 464287614 365 2,553 SH   SOLE 0 0 2,553
ISHARES TR CORE S&P US GWT 464287671 8,111 141,368 SH   SOLE 0 0 141,368
ISHARES TR RUSSELL 3000 ETF 464287689 213 1,304 SH   SOLE 0 0 1,304
ISHARES TR U.S. TECH ETF 464287721 248 1,387 SH   SOLE 0 0 1,387
ISHARES TR US HLTHCARE ETF 464287762 208 1,164 SH   SOLE 0 0 1,164
ISHARES TR U.S. FINLS ETF 464287788 1,812 15,375 SH   SOLE 0 0 15,375
ISHARES TR CORE S&P SCP ETF 464287804 5,510 65,660 SH   SOLE 0 0 65,660
ISHARES TR MRGSTR MD CP ETF 464288208 652 3,542 SH   SOLE 0 0 3,542
ISHARES TR JPMORGAN USD EMG 464288281 238 2,246 SH   SOLE 0 0 2,246
ISHARES TR INTL SEL DIV ETF 464288448 486 15,164 SH   SOLE 0 0 15,164
ISHARES TR IBOXX HI YD ETF 464288513 1,162 13,690 SH   SOLE 0 0 13,690
ISHARES TR MRGSTR SM CP GR 464288604 689 3,462 SH   SOLE 0 0 3,462
ISHARES TR S&P US PFD STK 464288687 531 14,096 SH   SOLE 0 0 14,096
ISHARES TR EAFE GRWTH ETF 464288885 785 9,928 SH   SOLE 0 0 9,928
ISHARES TR FLTG RATE NT ETF 46429B655 471 9,239 SH   SOLE 0 0 9,239
ISHARES TR CORE HIGH DV ETF 46429B663 1,509 17,588 SH   SOLE 0 0 17,588
ISHARES TR MIN VOL EAFE ETF 46429B689 294 4,113 SH   SOLE 0 0 4,113
ISHARES TR MIN VOL USA ETF 46429B697 993 18,568 SH   SOLE 0 0 18,568
ISHARES TR USA MOMENTUM FCT 46432F396 3,537 32,105 SH   SOLE 0 0 32,105
ISHARES TR CORE MSCI TOTAL 46432F834 711 11,828 SH   SOLE 0 0 11,828
ISHARES TR CORE MSCI EAFE 46432F842 7,300 115,315 SH   SOLE 0 0 115,315
ISHARES TR CORE 1 5 YR USD 46432F859 1,279 26,314 SH   SOLE 0 0 26,314
ISHARES TR CORE DIV GRWTH 46434V621 7,178 208,245 SH   SOLE 0 0 208,245
JOHNSON & JOHNSON COM 478160104 329 2,711 SH   SOLE 0 0 2,711
MCDONALDS CORP COM 580135101 268 1,715 SH   SOLE 0 0 1,715
NOVAVAX INC COM 670002104 17 12,335 SH   SOLE 0 0 12,335
PIMCO INCOME STRATEGY FUND COM 72201H108 3,037 254,459 SH   SOLE 0 0 254,459
PIMCO INCOME STRATEGY FUND I COM 72201J104 144 13,745 SH   SOLE 0 0 13,745
PROCTER AND GAMBLE CO COM 742718109 224 2,917 SH   SOLE 0 0 2,917
PROSHARES TR PSHS ULTRA INDL 74347R727 279 4,075 SH   SOLE 0 0 4,075
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 251 3,809 SH   SOLE 0 0 3,809
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 738 10,052 SH   SOLE 0 0 10,052
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 261 9,467 SH   SOLE 0 0 9,467
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 277 1,139 SH   SOLE 0 0 1,139
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 318 10,460 SH   SOLE 0 0 10,460
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,354 12,289 SH   SOLE 0 0 12,289
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 583 1,639 SH   SOLE 0 0 1,639
SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 306 5,438 SH   SOLE 0 0 5,438
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 2,751 51,842 SH   SOLE 0 0 51,842
SPDR SERIES TRUST S&P DIVID ETF 78464A763 600 6,476 SH   SOLE 0 0 6,476
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 463 8,875 SH   SOLE 0 0 8,875
UNITED STATES OIL FUND LP UNITS 91232N108 433 28,802 SH   SOLE 0 0 28,802
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189F361 717 22,729 SH   SOLE 0 0 22,729
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 428 2,806 SH   SOLE 0 0 2,806
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 236 2,648 SH   SOLE 0 0 2,648
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 798 9,835 SH   SOLE 0 0 9,835
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 512 6,530 SH   SOLE 0 0 6,530
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 268 4,940 SH   SOLE 0 0 4,940
VANGUARD GROUP DIV APP ETF 921908844 350 3,402 SH   SOLE 0 0 3,402
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 237 2,142 SH   SOLE 0 0 2,142
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 625 4,658 SH   SOLE 0 0 4,658
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,739 15,558 SH   SOLE 0 0 15,558
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,045 7,699 SH   SOLE 0 0 7,699
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 586 4,962 SH   SOLE 0 0 4,962
VANGUARD INDEX FDS GROWTH ETF 922908736 1,946 12,997 SH   SOLE 0 0 12,997
VANGUARD INDEX FDS VALUE ETF 922908744 1,819 17,508 SH   SOLE 0 0 17,508
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,341 8,637 SH   SOLE 0 0 8,637
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,916 70,603 SH   SOLE 0 0 70,603
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 377 6,386 SH   SOLE 0 0 6,386
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,569 68,947 SH   SOLE 0 0 68,947
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 353 8,316 SH   SOLE 0 0 8,316
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,483 91,431 SH   SOLE 0 0 91,431
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 701 4,743 SH   SOLE 0 0 4,743
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 901 8,499 SH   SOLE 0 0 8,499
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,327 30,884 SH   SOLE 0 0 30,884
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 486 5,861 SH   SOLE 0 0 5,861
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 284 4,344 SH   SOLE 0 0 4,344
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 284 1,666 SH   SOLE 0 0 1,666
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 517 3,776 SH   SOLE 0 0 3,776
WALMART INC COM 931142103 280 3,279 SH   SOLE 0 0 3,279
XCEL ENERGY INC COM 98389B100 273 5,906 SH   SOLE 0 0 5,906