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
Apple Inc COM 037833100 378 1,910 SH   SOLE   0 0 1,910
Auto Data Processing COM 053015103 303 1,835 SH   SOLE   0 0 1,835
Amer Electric Pwr Co Inc COM 025537101 283 3,221 SH   SOLE   0 0 3,221
Ishares TR AGGRES ALLOC ETF 464289859 1,306 23,672 SH   SOLE   0 0 23,672
Associated Banc Corp COM 045487105 2,649 125,327 SH   SOLE   0 0 125,327
Invesco Bulletshares BULSHS 2020 HY 46138J601 465 19,283 SH   SOLE   0 0 19,283
Invesco Bulletshares BULSHS 2021 HY 46138J809 470 19,015 SH   SOLE   0 0 19,015
Invesco Bulletshares BULSHS 2022 HY 46138J874 410 16,701 SH   SOLE   0 0 16,701
Chemical Finl COM 163731102 400 9,732 SH   SOLE   0 0 9,732
Comerica Incorporated COM 200340107 1,160 15,968 SH   SOLE   0 0 15,968
Cantel Medical Corp COM 138098108 384 4,767 SH   SOLE   0 0 4,767
Carlisle Co COM 142339100 290 2,067 SH   SOLE   0 0 2,067
Disney Walt Hldg Co COM DISNEY 254687106 210 1,501 SH   SOLE   0 0 1,501
Wisdomtree SC Value INTL SMCAP DIV 97717W760 6,651 102,284 SH   SOLE   0 0 102,284
Wisdomtree LC Value INTL EQUITY FD 97717W703 8,132 159,419 SH   SOLE   0 0 159,419
iShares Emerging Markets MIN VOL EMRG MKT 464286533 6,246 106,117 SH   SOLE   0 0 106,117
iShares MSCI EAFE Growth EAFE GRWTH ETF 464288885 6,568 81,322 SH   SOLE   0 0 81,322
Fidelity Total Bond ETF TOTAL BD ETF 316188309 11,529 225,843 SH   SOLE   0 0 225,843
First Defiance Finl 0050 COM 32006W106 203 7,092 SH   SOLE   0 0 7,092
Fidelity Natl Info Svcs COM 31620M106 233 1,902 SH   SOLE   0 0 1,902
Fifth Third Bancorp COM 316773100 352 12,606 SH   SOLE   0 0 12,606
Schwab Fundamental Intl SCHWB FDT INT SC 808524748 3,155 101,063 SH   SOLE   0 0 101,063
Schwab Fundamental US SCHWAB FDT US LG 808524771 2,676 68,411 SH   SOLE   0 0 68,411
First Trust Value Line Di SHS 33734H106 777 23,027 SH   SOLE   0 0 23,027
Huntington Bancshs COM 446150104 2,214 160,184 SH   SOLE   0 0 160,184
Honeywell International COM 438516106 438 2,508 SH   SOLE   0 0 2,508
Heska Corp New COM RESTRC NEW 42805E108 283 3,320 SH   SOLE   0 0 3,320
I-shares ibond 2020 IBONDS DEC20 ETF 46434VAQ3 347 13,690 SH   SOLE   0 0 13,690
I-shares ibond 2021 IBONDS DEC21 ETF 46434VBK5 349 14,003 SH   SOLE   0 0 14,003
Ishares Ibonds Dec 2022 IBONDS DEC22 ETF 46434VBA7 417 16,545 SH   SOLE   0 0 16,545
Invesco Intl Developed Lo S&P INTL LOW 46138E230 3,121 92,198 SH   SOLE   0 0 92,198
Ishares Core Msci CORE MSCI EMKT 46434G103 897 17,431 SH   SOLE   0 0 17,431
S&P Midcap I Value S&P MC 400VL ETF 464287705 1,855 11,632 SH   SOLE   0 0 11,632
iShares S&P 500 CORE S&P500 ETF 464287200 295 1,000 SH   SOLE   0 0 1,000
iShares Russell 2000 Valu RUS 2000 VAL ETF 464287630 1,599 13,273 SH   SOLE   0 0 13,273
iShares Russell 3000 RUSSELL 3000 ETF 464287689 238 1,382 SH   SOLE   0 0 1,382
Johnson & Johnson COM 478160104 463 3,326 SH   SOLE   0 0 3,326
J P Morgan Chase & Co COM 018802108 2,638 23,597 SH   SOLE   0 0 23,597
Keycorp Inc New COM 493267108 344 19,391 SH   SOLE   0 0 19,391
Marriott Intl Inc Cl A CL A 571903202 625 4,455 SH   SOLE   0 0 4,455
Mercantile Bank Corp CL A NEW 58734F305 842 25,834 SH   SOLE   0 0 25,834
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 3,881 71,504 SH   SOLE   0 0 71,504
Magna Intl Inc Cl A Vtgf COM 559222401 220 4,426 SH   SOLE   0 0 4,426
Minnesota Mining & Mfg COM 88579Y101 246 1,420 SH   SOLE   0 0 1,420
Microsoft Corp COM 594918104 307 2,295 SH   SOLE   0 0 2,295
Pepsico Incorporated COM 713448108 2,662 20,301 SH   SOLE   0 0 20,301
Procter & Gamble Co COM 742718109 562 5,121 SH   SOLE   0 0 5,121
Parker-Hannifin Corp COM 701094104 241 1,416 SH   SOLE   0 0 1,416
Small & MidCap Fund FTSE RAFI 1500 46137V597 1,470 11,511 SH   SOLE   0 0 11,511
Invesco FTSE RAFI Dvlpd M FTSE RAFI DEV 46138E743 3,562 87,672 SH   SOLE   0 0 87,672
Nasdaq 100 Equal Weight SHS 337344105 3,062 45,947 SH   SOLE   0 0 45,947
Invesco MC Pure Growth S&P MDCP400 PR 46137V217 2,542 17,142 SH   SOLE   0 0 17,142
Invesco S&P 500 Pure Grow S&P500 PUR GWT 46137V266 13,613 113,963 SH   SOLE   0 0 113,963
Invesco S&P 500 Pure Valu S&P500 PUR VAL 46137V258 14,291 219,855 SH   SOLE   0 0 219,855
Spdr DJ Global Real Estat DJ GLB RL ES ETF 78463X749 1,106 22,164 SH   SOLE   0 0 22,164
Invesco SC Pure Growth S&P SML600 GWT 46137V175 4,448 40,001 SH   SOLE   0 0 40,001
Schwab Internatnal Small INTL SCEQT ETF 808524888 1,658 50,807 SH   SOLE   0 0 50,807
iShares MSCI EAFE Small-C EAFE SML CP ETF 464288273 7,833 136,472 SH   SOLE   0 0 136,472
Sherwin Williams Co COM 824348106 352 768 SH   SOLE   0 0 768
Spdr S&P 600 Small Cap S&P 600 SMCP GRW 78464A201 670 11,006 SH   SOLE   0 0 11,006
A T & T Corp COM 00206R102 588 17,536 SH   SOLE   0 0 17,536
United Technologies Corp COM 913017109 1,079 8,285 SH   SOLE   0 0 8,285
Vanguard SC Value SM CP VAL ETF 922908611 5,881 45,054 SH   SOLE   0 0 45,054
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 8,053 72,324 SH   SOLE   0 0 72,324
Vanguard Total Stock TOTAL STK MKT 922908769 1,928 12,848 SH   SOLE   0 0 12,848
Wells Fargo & Co New COM 949746101 1,218 25,743 SH   SOLE   0 0 25,743
Tricon Global Restr Inc COM 988498101 797 7,205 SH   SOLE   0 0 7,205
Yum China Holdings I COM 98850P109 329 7,131 SH   SOLE   0 0 7,131
Zillow Group Inc CL A 98954M101 205 4,414 SH   SOLE   0 0 4,414