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
ABBOTT LABS COM 002824100 353 3,511 SH   SOLE   0 0 3,511
ABBVIE INC COM 00287Y109 278 2,915 SH   SOLE   0 0 2,915
ALPHABET INC CAP STK CL A 02079K305 216 143 SH   SOLE   0 0 143
ALTRIA GROUP INC COM 02209S103 780 18,146 SH   SOLE   0 0 18,146
AMAZON COM INC COM 023135106 1,154 365 SH   SOLE   0 0 365
AMERICAN EXPRESS CO COM 025816109 281 2,767 SH   SOLE   0 0 2,767
APPLE INC COM 037833100 4,653 10,293 SH   SOLE   0 0 10,293
ARCHER DANIELS MIDLAND CO COM 039483102 1,399 31,474 SH   SOLE   0 0 31,474
AT&T INC COM 00206R102 1,191 39,471 SH   SOLE   0 0 39,471
BALL CORP COM 058498106 1,113 14,962 SH   SOLE   0 0 14,962
BECTON DICKINSON & CO COM 075887109 1,230 4,782 SH   SOLE   0 0 4,782
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 307 1,440 SH   SOLE   0 0 1,440
BK OF AMERICA CORP COM 060505104 549 20,554 SH   SOLE   0 0 20,554
CATERPILLAR INC DEL COM 149123101 257 1,803 SH   SOLE   0 0 1,803
CHEVRON CORP NEW COM 166764100 378 4,162 SH   SOLE   0 0 4,162
CHURCH & DWIGHT INC COM 171340102 397 4,190 SH   SOLE   0 0 4,190
CISCO SYS INC COM 17275R102 267 5,546 SH   SOLE   0 0 5,546
CME GROUP INC COM 12572Q105 1,023 6,017 SH   SOLE   0 0 6,017
COMCAST CORP NEW CL A 20030N101 283 6,538 SH   SOLE   0 0 6,538
CREDIT ACCEP CORP MICH COM 225310101 516 1,000 SH   SOLE   0 0 1,000
CSX CORP COM 126408103 364 4,854 SH   SOLE   0 0 4,854
DUKE ENERGY CORP NEW COM NEW 26441C204 210 2,491 SH   SOLE   0 0 2,491
EXXON MOBIL CORP COM 30231G102 1,044 23,684 SH   SOLE   0 0 23,684
FACEBOOK INC CL A 30303M102 340 1,307 SH   SOLE   0 0 1,307
FIDELITY COVINGTON TR MSCI HLTH CARE I 316092600 217 4,089 SH   SOLE   0 0 4,089
GREAT PANTHER MNG LTD COM 39115V101 124 139,800 SH   SOLE   0 0 139,800
HOME DEPOT INC COM 437076102 558 1,980 SH   SOLE   0 0 1,980
INNOVATOR ETFS TR NASDAQ 100 POWER 45782C334 369 10,597 SH   SOLE   0 0 10,597
INNOVATOR ETFS TR RUSSELL 2000 PWR 45782C342 703 27,009 SH   SOLE   0 0 27,009
INTERPUBLIC GROUP COS INC COM 460690100 246 12,960 SH   SOLE   0 0 12,960
INVESCO EXCHANGE-TRADED FD T SR LN ETF 46138G508 253 11,962 SH   SOLE   0 0 11,962
ISHARES INC CORE MSCI EMKT 46434G103 633 11,914 SH   SOLE   0 0 11,914
ISHARES TR S&P 500 GRWT ETF 464287309 949 4,150 SH   SOLE   0 0 4,150
ISHARES TR SP SMCP600VL ETF 464287879 561 4,182 SH   SOLE   0 0 4,182
ISHARES TR EAFE GRWTH ETF 464288885 2,022 22,517 SH   SOLE   0 0 22,517
ISHARES TR PFD AND INCM SEC 464288687 233 6,705 SH   SOLE   0 0 6,705
ISHARES TR S&P MC 400VL ETF 464287705 526 3,608 SH   SOLE   0 0 3,608
ISHARES TR CORE HIGH DV ETF 46429B663 240 2,783 SH   SOLE   0 0 2,783
ISHARES TR IBOXX HI YD ETF 464288513 1,476 18,070 SH   SOLE   0 0 18,070
ISHARES TR CORE MSCI TOTAL 46432F834 897 15,117 SH   SOLE   0 0 15,117
ISHARES TR INTL SEL DIV ETF 464288448 370 13,732 SH   SOLE   0 0 13,732
ISHARES TR U.S. TECH ETF 464287721 237 808 SH   SOLE   0 0 808
ISHARES TR SELECT DIVID ETF 464287168 313 3,612 SH   SOLE   0 0 3,612
ISHARES TR EAFE SML CP ETF 464288273 914 16,977 SH   SOLE   0 0 16,977
ISHARES TR CORE S&P500 ETF 464287200 1,245 3,852 SH   SOLE   0 0 3,852
ISHARES TR US HLTHCARE ETF 464287762 220 955 SH   SOLE   0 0 955
ISHARES TR CORE MSCI EAFE 46432F842 394 6,384 SH   SOLE   0 0 6,384
ISHARES TR CORE S&P MCP ETF 464287507 3,121 15,971 SH   SOLE   0 0 15,971
ISHARES TR CORE S&P TTL STK 464287150 1,217 16,004 SH   SOLE   0 0 16,004
ISHARES TR CORE S&P SCP ETF 464287804 914 12,028 SH   SOLE   0 0 12,028
ISHARES TR EAFE VALUE ETF 464288877 2,470 57,760 SH   SOLE   0 0 57,760
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 201 15,273 SH   SOLE   0 0 15,273
LILLY ELI & CO COM 532457108 1,471 9,643 SH   SOLE   0 0 9,643
MACATAWA BK CORP COM 554225102 95 12,312 SH   SOLE   0 0 12,312
MARSH & MCLENNAN COS INC COM 571748102 315 2,704 SH   SOLE   0 0 2,704
MERCADOLIBRE INC COM 58733R102 224 202 SH   SOLE   0 0 202
MICROSOFT CORP COM 594918104 1,696 8,106 SH   SOLE   0 0 8,106
MONDELEZ INTL INC CL A 609207105 207 3,698 SH   SOLE   0 0 3,698
NEXTERA ENERGY INC COM 65339F101 353 1,239 SH   SOLE   0 0 1,239
NORTHROP GRUMMAN CORP COM 666807102 338 996 SH   SOLE   0 0 996
NVIDIA CORPORATION COM 67066G104 229 501 SH   SOLE   0 0 501
PEPSICO INC COM 713448108 256 1,859 SH   SOLE   0 0 1,859
PFIZER INC COM 717081103 242 6,315 SH   SOLE   0 0 6,315
PHILIP MORRIS INTL INC COM 718172109 244 3,058 SH   SOLE   0 0 3,058
PROCTER AND GAMBLE CO COM 742718109 1,299 9,588 SH   SOLE   0 0 9,588
SAREPTA THERAPEUTICS INC COM 803607100 562 3,560 SH   SOLE   0 0 3,560
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,146 123,038 SH   SOLE   0 0 123,038
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,807 74,111 SH   SOLE   0 0 74,111
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 26,459 372,510 SH   SOLE   0 0 372,510
SCHWAB STRATEGIC TR US TIPS ETF 808524870 872 14,582 SH   SOLE   0 0 14,582
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 25,918 451,063 SH   SOLE   0 0 451,063
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,205 40,465 SH   SOLE   0 0 40,465
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 260 5,059 SH   SOLE   0 0 5,059
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 12,343 378,141 SH   SOLE   0 0 378,141
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,968 39,999 SH   SOLE   0 0 39,999
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,861 75,693 SH   SOLE   0 0 75,693
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 3,646 58,263 SH   SOLE   0 0 58,263
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 14,684 137,038 SH   SOLE   0 0 137,038
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 9,208 364,806 SH   SOLE   0 0 364,806
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 27,615 242,432 SH   SOLE   0 0 242,432
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 4,922 63,395 SH   SOLE   0 0 63,395
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 6,815 114,453 SH   SOLE   0 0 114,453
SHERWIN WILLIAMS CO COM 824348106 11,086 16,500 SH   SOLE   0 0 16,500
SOUTHERN CO COM 842587107 553 10,083 SH   SOLE   0 0 10,083
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,508 5,386 SH   SOLE   0 0 5,386
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 43,525 1,455,698 SH   SOLE   0 0 1,455,698
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 31,603 861,628 SH   SOLE   0 0 861,628
SPDR S&P 500 ETF TR TR UNIT 78462F103 799 2,367 SH   SOLE   0 0 2,367
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 297 833 SH   SOLE   0 0 833
SPDR SER TR PRTFLO S&P500 GW 78464A409 61,532 1,243,375 SH   SOLE   0 0 1,243,375
SPDR SER TR PRTFLO S&P500 VL 78464A508 49,621 1,584,400 SH   SOLE   0 0 1,584,400
SPDR SER TR S&P 600 SML CAP 78464A813 438 6,665 SH   SOLE   0 0 6,665
SPDR SER TR PORTFOLIO S&P500 78464A854 32,530 820,842 SH   SOLE   0 0 820,842
SPDR SER TR PORTFOLIO S&P600 78468R853 2,613 88,378 SH   SOLE   0 0 88,378
SPDR SER TR BLMBRG BRC CNVRT 78464A359 291 4,871 SH   SOLE   0 0 4,871
SPDR SER TR PORTFOLIO S&P400 78464A847 3,671 106,829 SH   SOLE   0 0 106,829
STANLEY BLACK & DECKER INC COM 854502101 351 2,190 SH   SOLE   0 0 2,190
STRYKER CORPORATION COM 863667101 299 1,570 SH   SOLE   0 0 1,570
TESLA INC COM 88160R101 252 162 SH   SOLE   0 0 162
VANGUARD INDEX FDS GROWTH ETF 922908736 339 1,525 SH   SOLE   0 0 1,525
VANGUARD INDEX FDS MID CAP ETF 922908629 340 2,071 SH   SOLE   0 0 2,071
VANGUARD INDEX FDS SMALL CP ETF 922908751 497 3,321 SH   SOLE   0 0 3,321
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 212 683 SH   SOLE   0 0 683
VANGUARD INDEX FDS TOTAL STK MKT 922908769 228 1,332 SH   SOLE   0 0 1,332
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,708 94,147 SH   SOLE   0 0 94,147
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 537 12,635 SH   SOLE   0 0 12,635
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 317 3,295 SH   SOLE   0 0 3,295
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,397 14,682 SH   SOLE   0 0 14,682
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 293 3,550 SH   SOLE   0 0 3,550
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 433 11,141 SH   SOLE   0 0 11,141
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 612 7,836 SH   SOLE   0 0 7,836
VANGUARD WORLD FD EXTENDED DUR 921910709 992 6,000 SH   SOLE   0 0 6,000
VISA INC COM CL A 92826C839 318 1,602 SH   SOLE   0 0 1,602