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
90/10 Diversified Growth AGGRES ALLOC ETF 464289859 1,360 23,448 SH   SOLE   0 0 23,448
A T & T Corp COM 00206R102 676 17,299 SH   SOLE   0 0 17,299
Amer Electric Pwr Co Inc COM 025537101 279 2,948 SH   SOLE   0 0 2,948
Apple Inc COM 037833100 621 2,116 SH   SOLE   0 0 2,116
Associated Banc Corp COM 045487105 2,192 99,441 SH   SOLE   0 0 99,441
Auto Data Processing COM 053015103 313 1,835 SH   SOLE   0 0 1,835
Cantel Medical Corp COM 138098108 338 4,767 SH   SOLE   0 0 4,767
Carlisle Co COM 142339100 335 2,067 SH   SOLE   0 0 2,067
Coca Cola Company COM 191216100 212 3,837 SH   SOLE   0 0 3,837
Comerica Incorporated COM DISNEY 200340107 1,146 15,968 SH   SOLE   0 0 15,968
Disney Walt Hldg Co COM 254687106 234 1,618 SH   SOLE   0 0 1,618
Fidelity Natl Info Svcs TOTAL BD ETF 31620M106 265 1,903 SH   SOLE   0 0 1,903
Fidelity Total Bond ETF COM 316188309 12,218 236,138 SH   SOLE   0 0 236,138
Fifth Third Bancorp COM 316773100 368 11,974 SH   SOLE   0 0 11,974
First Defiance Finl 0050 SHS 32006W106 223 7,092 SH   SOLE   0 0 7,092
First Trust Value Line Di COM RESTRC NEW 33734H106 743 20,619 SH   SOLE   0 0 20,619
Fundamental 1000 FTSE RAFI 1000 46137V613 1,157 9,130 SH   SOLE   0 0 9,130
Heska Corp New COM 42805E108 319 3,320 SH   SOLE   0 0 3,320
Honeywell International COM 438516106 444 2,508 SH   SOLE   0 0 2,508
Huntington Bancshs BULSHS 2020 HY 446150104 1,701 112,816 SH   SOLE   0 0 112,816
Invesco FTSE RAFI Dvlpd M S&P INTL LOW 46138E743 3,603 84,764 SH   SOLE   0 0 84,764
Invesco Intl Developed Lo S&P MDCP400 PR 46138E230 3,016 88,385 SH   SOLE   0 0 88,385
Invesco MC Pure Growth S&P500 PUR GWT 46137V217 2,567 16,759 SH   SOLE   0 0 16,759
Invesco S&P 500 Pure Grow S&P500 PUR VAL 46137V266 14,639 115,469 SH   SOLE   0 0 115,469
Invesco S&P 500 Pure Valu S&P SML600 GWT 46137V258 16,046 231,646 SH   SOLE   0 0 231,646
Invesco SC Pure Growth CORE MSCI EMKT 46137V175 4,550 38,513 SH   SOLE   0 0 38,513
Ishar Ibnd Dec 2021 Trm IBONDS DEC2021 46435G789 496 19,258 SH   SOLE   0 0 19,258
iShares Core MSCI Emergin MIN VOL EMRG MKT 46434G103 997 18,542 SH   SOLE   0 0 18,542
iShares Core US Agg Bond CORE US AGGBD ET 464287226 13,912 123,806 SH   SOLE   0 0 123,806
iShares Emerging Markets IBONDS DEC20 ETF 464286533 6,633 113,073 SH   SOLE   0 0 113,073
I-shares ibond 2020 IBONDS DEC21 ETF 46434VAQ3 346 13,690 SH   SOLE   0 0 13,690
I-shares ibond 2021 IBONDS DEC22 ETF 46434VBK5 353 14,128 SH   SOLE   0 0 14,128
Ishares Ibonds Dec 2022 EAFE GRWTH ETF 46434VBA7 422 16,702 SH   SOLE   0 0 16,702
iShares MSCI EAFE Growth EAFE SML CP ETF 464288885 7,484 86,552 SH   SOLE   0 0 86,552
iShares MSCI EAFE Small-C RUS 2000 VAL ETF 464288273 9,107 146,232 SH   SOLE   0 0 146,232
iShares Russell 2000 Valu RUSSELL 3000 ETF 464287630 1,666 12,957 SH   SOLE   0 0 12,957
iShares Russell 3000 CORE S&P500 ETF 464287689 260 1,382 SH   SOLE   0 0 1,382
iShares S&P 500 AGGRES ALLOC ETF 464287200 307 950 SH   SOLE   0 0 950
Ishars Ibnd SEP 2020 Trm IBONDS SEP2020 46434V571 485 18,987 SH   SOLE   0 0 18,987
Ishrs Ibnd Dec 2022 Trm IBONDS DEC2022 46435G755 485 18,518 SH   SOLE   0 0 18,518
J P Morgan Chase & Co COM 018802108 2,149 15,414 SH   SOLE   0 0 15,414
Johnson & Johnson COM 478160104 487 3,338 SH   SOLE   0 0 3,338
Keycorp Inc New COM 493267108 392 19,391 SH   SOLE   0 0 19,391
Magna Intl Inc Cl A Vtgf CL A 559222401 227 4,140 SH   SOLE   0 0 4,140
Marriott Intl Inc Cl A CL A NEW 571903202 675 4,455 SH   SOLE   0 0 4,455
Mercantile Bank Corp COM 58734F305 942 25,834 SH   SOLE   0 0 25,834
Microsoft Corp COM 594918104 214 1,357 SH   SOLE   0 0 1,357
Minnesota Mining & Mfg SHS 88579Y101 219 1,240 SH   SOLE   0 0 1,240
Nasdaq 100 Equal Weight COM 337344105 3,310 44,857 SH   SOLE   0 0 44,857
Parker-Hannifin Corp COM 701094104 291 1,416 SH   SOLE   0 0 1,416
Pentair Plc SHS G7S00T104 228 4,976 SH   SOLE   0 0 4,976
Pepsico Incorporated COM 713448108 2,766 20,238 SH   SOLE   0 0 20,238
Procter & Gamble Co S&P MC 400VL ETF 742718109 632 5,059 SH   SOLE   0 0 5,059
S P D R TRUST Unit SR TR UNIT 78462F103 248 769 SH   SOLE   0 0 769
S&P Midcap I Fund SCHWB FDT INT SC 808524748 1,436 6,979 SH   SOLE   0 0 6,979
S&P Midcap I Value SCHWAB FDT US LG 464287705 1,974 11,564 SH   SOLE   0 0 11,564
Schwab Fundamental Intl INTL SCEQT ETF 808524748 3,220 96,840 SH   SOLE   0 0 96,840
Schwab Fundamental US COM 808524771 2,902 67,990 SH   SOLE   0 0 67,990
Schwab Internatnal Small FTSE RAFI 1500 808524888 1,813 52,319 SH   SOLE   0 0 52,319
Sherwin Williams Co DJ GLB RL ES ETF 824348106 448 768 SH   SOLE   0 0 768
Small & MidCap Fund S&P 400 MDCP GRW 46137V597 1,360 9,945 SH   SOLE   0 0 9,945
Spdr DJ Global Real Estat S&P 600 SMCP GRW 78463X749 1,364 26,469 SH   SOLE   0 0 26,469
SPDR S&P 400 Mid Cap COM 78464A821 4,485 78,562 SH   SOLE   0 0 78,562
SPDR S&P 600 Small Cap COM 78464A201 1,380 21,385 SH   SOLE   0 0 21,385
T C F Finl Corp COM 163731102 449 9,593 SH   SOLE   0 0 9,593
Tricon Global Restr Inc MCAP VL IDXVIP 988498101 726 7,205 SH   SOLE   0 0 7,205
United Technologies Corp SM CP VAL ETF 913017109 1,241 8,285 SH   SOLE   0 0 8,285
Vanguard Mid Cap Value TOTAL STK MKT 922908512 8,917 74,816 SH   SOLE   0 0 74,816
Vanguard SC Value COM 922908611 6,732 49,112 SH   SOLE   0 0 49,112
Vanguard Total Stock INTL EQUITY FD 922908769 2,102 12,848 SH   SOLE   0 0 12,848
Verizon Communications COM 92343V104 210 3,425 SH   SOLE   0 0 3,425
Wells Fargo & Co New INTL SMCAP DIV 949746101 1,275 23,697 SH   SOLE   0 0 23,697
Wisdomtree LC Value COM 97717W703 9,326 174,384 SH   SOLE   0 0 174,384
Wisdomtree SC Value CL A 97717W760 7,709 108,402 SH   SOLE   0 0 108,402
Yum China Holdings I COM 98850P109 342 7,131 SH   SOLE   0 0 7,131