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 468 4,035 SH   SOLE   0 0 4,035
ABBVIE INC COM 00287Y109 388 3,444 SH   SOLE   0 0 3,444
AGILENT TECHNOLOGIES INC COM 00846U101 229 1,548 SH   SOLE   0 0 1,548
ALPHABET INC CAP STK CL A 02079K305 381 156 SH   SOLE   0 0 156
ALPHABET INC CAP STK CL C 02079K107 409 163 SH   SOLE   0 0 163
ALPS ETF TR RIVRFRNT STR INC 00162Q783 271 10,920 SH   SOLE   0 0 10,920
ALTRIA GROUP INC COM 02209S103 879 18,436 SH   SOLE   0 0 18,436
AMAZON COM INC COM 023135106 1,390 404 SH   SOLE   0 0 404
AMERICAN EXPRESS CO COM 025816109 351 2,122 SH   SOLE   0 0 2,122
APPLE INC COM 037833100 7,035 51,368 SH   SOLE   0 0 51,368
ARCHER DANIELS MIDLAND CO COM 039483102 1,968 32,474 SH   SOLE   0 0 32,474
AT&T INC COM 00206R102 1,209 41,998 SH   SOLE   0 0 41,998
BALL CORP COM 058498106 1,274 15,719 SH   SOLE   0 0 15,719
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 643 2,313 SH   SOLE   0 0 2,313
BK OF AMERICA CORP COM 060505104 960 23,295 SH   SOLE   0 0 23,295
BOEING CO COM 097023105 343 1,430 SH   SOLE   0 0 1,430
CATERPILLAR INC COM 149123101 399 1,832 SH   SOLE   0 0 1,832
CHEVRON CORP NEW COM 166764100 684 6,529 SH   SOLE   0 0 6,529
CHURCH & DWIGHT INC COM 171340102 320 3,752 SH   SOLE   0 0 3,752
CISCO SYS INC COM 17275R102 311 5,872 SH   SOLE   0 0 5,872
CME GROUP INC COM 12572Q105 1,287 6,050 SH   SOLE   0 0 6,050
COCA COLA CO COM 191216100 263 4,861 SH   SOLE   0 0 4,861
COMCAST CORP NEW CL A 20030N101 616 10,804 SH   SOLE   0 0 10,804
CSX CORP COM 126408103 397 12,379 SH   SOLE   0 0 12,379
DEERE & CO COM 244199105 587 1,663 SH   SOLE   0 0 1,663
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 909 30,680 SH   SOLE   0 0 30,680
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 907 31,043 SH   SOLE   0 0 31,043
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 3,717 123,037 SH   SOLE   0 0 123,037
DTE ENERGY CO COM 233331107 205 1,857 SH   SOLE   0 0 1,857
DUKE ENERGY CORP NEW COM NEW 26441C204 1,143 11,573 SH   SOLE   0 0 11,573
EXXON MOBIL CORP COM 30231G102 1,517 24,055 SH   SOLE   0 0 24,055
FACEBOOK INC CL A 30303M102 460 1,323 SH   SOLE   0 0 1,323
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 388 10,283 SH   SOLE   0 0 10,283
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101 298 5,340 SH   SOLE   0 0 5,340
FIDELITY MERRIMACK STR TR LTD TRM BD ETF 316188200 1,057 20,177 SH   SOLE   0 0 20,177
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 586 10,984 SH   SOLE   0 0 10,984
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 207 4,315 SH   SOLE   0 0 4,315
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 209 3,905 SH   SOLE   0 0 3,905
GENERAL ELECTRIC CO COM 369604103 150 11,108 SH   SOLE   0 0 11,108
GENERAL MLS INC COM 370334104 233 3,820 SH   SOLE   0 0 3,820
GREAT PANTHER MNG LTD COM 39115V101 87 139,800 SH   SOLE   0 0 139,800
HOME DEPOT INC COM 437076102 824 2,583 SH   SOLE   0 0 2,583
INNOVATOR ETFS TR S&P 500 BUFFER 45782C391 2,856 87,015 SH   SOLE   0 0 87,015
INNOVATOR ETFS TR S&P 500 BUFFER 45782C888 2,927 92,390 SH   SOLE   0 0 92,390
INNOVATOR ETFS TR S&P 500 PWR BU 45782C870 2,923 102,713 SH   SOLE   0 0 102,713
INNOVATOR ETFS TR S&P 500 PWR BUFR 45782C383 2,832 92,719 SH   SOLE   0 0 92,719
INNOVATOR ETFS TR S&P 500 ULTRA 45782C375 2,895 99,452 SH   SOLE   0 0 99,452
INNOVATOR ETFS TR S&P 500 ULTRA 45782C805 2,913 113,424 SH   SOLE   0 0 113,424
INTEL CORP COM 458140100 319 5,677 SH   SOLE   0 0 5,677
INTERNATIONAL BUSINESS MACHS COM 459200101 448 3,054 SH   SOLE   0 0 3,054
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 3,525 159,647 SH   SOLE   0 0 159,647
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 3,302 121,130 SH   SOLE   0 0 121,130
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 29,749 1,941,841 SH   SOLE   0 0 1,941,841
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 32,348 1,460,415 SH   SOLE   0 0 1,460,415
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 7,272 316,038 SH   SOLE   0 0 316,038
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 6,625 283,731 SH   SOLE   0 0 283,731
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 5,759 226,104 SH   SOLE   0 0 226,104
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 4,840 192,285 SH   SOLE   0 0 192,285
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 4,554 184,239 SH   SOLE   0 0 184,239
INVESCO EXCH TRD SLF IDX FD DEFENSIVE EQTY 46138J775 479 7,268 SH   SOLE   0 0 7,268
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 321 2,131 SH   SOLE   0 0 2,131
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 211 4,350 SH   SOLE   0 0 4,350
ISHARES INC CORE MSCI EMKT 46434G103 671 10,022 SH   SOLE   0 0 10,022
ISHARES INC JP MRGN EM HI BD 464286285 10,195 222,995 SH   SOLE   0 0 222,995
ISHARES TR 0-5YR HI YL CP 46434V407 5,385 116,908 SH   SOLE   0 0 116,908
ISHARES TR 1 3 YR TREAS BD 464287457 1,888 21,907 SH   SOLE   0 0 21,907
ISHARES TR 3 7 YR TREAS BD 464288661 217 1,660 SH   SOLE   0 0 1,660
ISHARES TR A RATE CP BD ETF 46429B291 267 4,695 SH   SOLE   0 0 4,695
ISHARES TR AGENCY BOND ETF 464288166 842 7,115 SH   SOLE   0 0 7,115
ISHARES TR BARCLAYS 7 10 YR 464287440 278 2,411 SH   SOLE   0 0 2,411
ISHARES TR BLACKROCK ULTRA 46434V878 1,384 27,397 SH   SOLE   0 0 27,397
ISHARES TR BROAD USD HIGH 46435U853 54,392 1,303,738 SH   SOLE   0 0 1,303,738
ISHARES TR CMBS ETF 46429B366 1,777 32,675 SH   SOLE   0 0 32,675
ISHARES TR CORE 1 5 YR USD 46432F859 608 11,857 SH   SOLE   0 0 11,857
ISHARES TR CORE HIGH DV ETF 46429B663 262 2,712 SH   SOLE   0 0 2,712
ISHARES TR CORE INTL AGGR 46435G672 2,609 47,345 SH   SOLE   0 0 47,345
ISHARES TR CORE MSCI EAFE 46432F842 426 5,696 SH   SOLE   0 0 5,696
ISHARES TR CORE MSCI TOTAL 46432F834 940 12,828 SH   SOLE   0 0 12,828
ISHARES TR CORE S&P MCP ETF 464287507 2,682 9,978 SH   SOLE   0 0 9,978
ISHARES TR CORE S&P SCP ETF 464287804 831 7,353 SH   SOLE   0 0 7,353
ISHARES TR CORE S&P TTL STK 464287150 1,218 12,330 SH   SOLE   0 0 12,330
ISHARES TR CORE US AGGBD ET 464287226 1,079 9,355 SH   SOLE   0 0 9,355
ISHARES TR CRE U S REIT ETF 464288521 24,409 418,402 SH   SOLE   0 0 418,402
ISHARES TR EAFE GRWTH ETF 464288885 3,704 34,527 SH   SOLE   0 0 34,527
ISHARES TR EAFE VALUE ETF 464288877 5,367 103,690 SH   SOLE   0 0 103,690
ISHARES TR GLOBAL REIT ETF 46434V647 1,449 52,256 SH   SOLE   0 0 52,256
ISHARES TR INTL SEL DIV ETF 464288448 241 7,440 SH   SOLE   0 0 7,440
ISHARES TR ISHS 1-5YR INVS 464288646 240 4,385 SH   SOLE   0 0 4,385
ISHARES TR ISHS 5-10YR INVT 464288638 533 8,800 SH   SOLE   0 0 8,800
ISHARES TR JPMORGAN USD EMG 464288281 34,032 302,612 SH   SOLE   0 0 302,612
ISHARES TR MORTGE REL ETF 46435G342 580 15,635 SH   SOLE   0 0 15,635
ISHARES TR MSCI USA MIN VOL 46429B697 1,545 20,992 SH   SOLE   0 0 20,992
ISHARES TR MSCI USA MMENTM 46432F396 2,123 12,240 SH   SOLE   0 0 12,240
ISHARES TR NATIONAL MUN ETF 464288414 1,918 16,365 SH   SOLE   0 0 16,365
ISHARES TR S&P 500 GRWT ETF 464287309 837 11,507 SH   SOLE   0 0 11,507
ISHARES TR SELECT DIVID ETF 464287168 275 2,358 SH   SOLE   0 0 2,358
ISHARES TR SHRT NAT MUN ETF 464288158 2,155 19,985 SH   SOLE   0 0 19,985
ISHARES TR TIPS BD ETF 464287176 1,015 7,932 SH   SOLE   0 0 7,932
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,335 46,020 SH   SOLE   0 0 46,020
JOHNSON & JOHNSON COM 478160104 800 4,853 SH   SOLE   0 0 4,853
JOUNCE THERAPEUTICS INC COM 481116101 82 12,005 SH   SOLE   0 0 12,005
JPMORGAN CHASE & CO COM 46625H100 407 2,617 SH   SOLE   0 0 2,617
LILLY ELI & CO COM 532457108 2,210 9,630 SH   SOLE   0 0 9,630
LOWES COS INC COM 548661107 531 2,736 SH   SOLE   0 0 2,736
MACATAWA BK CORP COM 554225102 136 15,517 SH   SOLE   0 0 15,517
MARSH & MCLENNAN COS INC COM 571748102 282 2,001 SH   SOLE   0 0 2,001
MCDONALDS CORP COM 580135101 306 1,325 SH   SOLE   0 0 1,325
MERCADOLIBRE INC COM 58733R102 316 202 SH   SOLE   0 0 202
MICROSOFT CORP COM 594918104 2,423 8,943 SH   SOLE   0 0 8,943
MONDELEZ INTL INC CL A 609207105 344 5,506 SH   SOLE   0 0 5,506
NATIONAL STORAGE AFFILIATES COM SHS BEN IN 637870106 3,542 70,047 SH   SOLE   0 0 70,047
NVIDIA CORPORATION COM 67066G104 244 305 SH   SOLE   0 0 305
OGE ENERGY CORP COM 670837103 241 7,168 SH   SOLE   0 0 7,168
PEPSICO INC COM 713448108 326 2,198 SH   SOLE   0 0 2,198
PFIZER INC COM 717081103 303 7,742 SH   SOLE   0 0 7,742
PGIM ETF TR ULTRA SHORT 69344A107 2,188 43,976 SH   SOLE   0 0 43,976
PHILIP MORRIS INTL INC COM 718172109 325 3,280 SH   SOLE   0 0 3,280
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,208 11,842 SH   SOLE   0 0 11,842
PROCTER AND GAMBLE CO COM 742718109 577 4,273 SH   SOLE   0 0 4,273
PROSHARES TR S&P 500 DV ARIST 74348A467 230 2,535 SH   SOLE   0 0 2,535
PRUDENTIAL FINL INC COM 744320102 228 2,221 SH   SOLE   0 0 2,221
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 204 3,418 SH   SOLE   0 0 3,418
SAREPTA THERAPEUTICS INC COM 803607100 253 3,250 SH   SOLE   0 0 3,250
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 21,223 510,168 SH   SOLE   0 0 510,168
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,858 32,663 SH   SOLE   0 0 32,663
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 237 2,273 SH   SOLE   0 0 2,273
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 50,883 650,099 SH   SOLE   0 0 650,099
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 45,963 441,189 SH   SOLE   0 0 441,189
SCHWAB STRATEGIC TR US TIPS ETF 808524870 42,424 678,673 SH   SOLE   0 0 678,673
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 11,226 138,644 SH   SOLE   0 0 138,644
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,978 55,288 SH   SOLE   0 0 55,288
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 9,651 263,053 SH   SOLE   0 0 263,053
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 13,825 77,432 SH   SOLE   0 0 77,432
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 4,458 63,707 SH   SOLE   0 0 63,707
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 19,351 153,641 SH   SOLE   0 0 153,641
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 7,874 76,895 SH   SOLE   0 0 76,895
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,715 42,943 SH   SOLE   0 0 42,943
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,735 33,227 SH   SOLE   0 0 33,227
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 43,866 297,072 SH   SOLE   0 0 297,072
SEMPRA ENERGY COM 816851109 496 3,746 SH   SOLE   0 0 3,746
SHERWIN WILLIAMS CO COM 824348106 12,669 46,500 SH   SOLE   0 0 46,500
SOUTHERN CO COM 842587107 682 11,264 SH   SOLE   0 0 11,264
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,279 3,709 SH   SOLE   0 0 3,709
SPDR GOLD TR GOLD SHS 78463V107 332 2,007 SH   SOLE   0 0 2,007
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 54,989 1,494,692 SH   SOLE   0 0 1,494,692
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 48,226 1,059,913 SH   SOLE   0 0 1,059,913
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,473 3,440 SH   SOLE   0 0 3,440
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 316 644 SH   SOLE   0 0 644
SPDR SER TR BLMBRG BRC CNVRT 78464A359 15,279 176,167 SH   SOLE   0 0 176,167
SPDR SER TR BLOMBERG BRC INV 78468R200 6,076 198,232 SH   SOLE   0 0 198,232
SPDR SER TR NUVEEN BBG BRCLY 78464A284 3,640 59,842 SH   SOLE   0 0 59,842
SPDR SER TR PORTFOLIO AGRGTE 78464A649 73,345 2,444,025 SH   SOLE   0 0 2,444,025
SPDR SER TR PORTFOLIO LN COR 78464A367 19,761 621,809 SH   SOLE   0 0 621,809
SPDR SER TR PORTFOLIO S&P400 78464A847 4,128 87,430 SH   SOLE   0 0 87,430
SPDR SER TR PORTFOLIO S&P500 78464A854 22,848 453,968 SH   SOLE   0 0 453,968
SPDR SER TR PORTFOLIO S&P600 78468R853 4,228 96,230 SH   SOLE   0 0 96,230
SPDR SER TR PORTFOLIO SH TSR 78468R101 336 10,960 SH   SOLE   0 0 10,960
SPDR SER TR PRTFLO S&P500 GW 78464A409 107,060 1,700,169 SH   SOLE   0 0 1,700,169
SPDR SER TR PRTFLO S&P500 VL 78464A508 76,965 1,946,509 SH   SOLE   0 0 1,946,509
SPDR SER TR S&P 600 SML CAP 78464A813 221 2,265 SH   SOLE   0 0 2,265
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 1,930 39,870 SH   SOLE   0 0 39,870
STANLEY BLACK & DECKER INC COM 854502101 449 2,190 SH   SOLE   0 0 2,190
STRATEGY SHS NS 7HANDL IDX 86280R506 761 29,722 SH   SOLE   0 0 29,722
STRYKER CORPORATION COM 863667101 381 1,467 SH   SOLE   0 0 1,467
TESLA INC COM 88160R101 515 757 SH   SOLE   0 0 757
TORONTO DOMINION BK ONT COM NEW 891160509 531 7,581 SH   SOLE   0 0 7,581
TREEHOUSE FOODS INC COM 89469A104 336 7,549 SH   SOLE   0 0 7,549
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,530 52,737 SH   SOLE   0 0 52,737
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 634 11,107 SH   SOLE   0 0 11,107
VANGUARD INDEX FDS GROWTH ETF 922908736 3,206 11,178 SH   SOLE   0 0 11,178
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,398 10,147 SH   SOLE   0 0 10,147
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,069 7,608 SH   SOLE   0 0 7,608
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 511 1,299 SH   SOLE   0 0 1,299
VANGUARD INDEX FDS TOTAL STK MKT 922908769 412 1,849 SH   SOLE   0 0 1,849
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 617 11,367 SH   SOLE   0 0 11,367
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 12,894 124,445 SH   SOLE   0 0 124,445
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,522 29,043 SH   SOLE   0 0 29,043
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 6,656 70,009 SH   SOLE   0 0 70,009
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 30,497 571,427 SH   SOLE   0 0 571,427
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 31,845 385,021 SH   SOLE   0 0 385,021
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,217 20,783 SH   SOLE   0 0 20,783
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,960 7,424 SH   SOLE   0 0 7,424
VERIZON COMMUNICATIONS INC COM 92343V104 564 10,057 SH   SOLE   0 0 10,057
VISA INC COM CL A 92826C839 370 1,584 SH   SOLE   0 0 1,584
WALMART INC COM 931142103 848 6,012 SH   SOLE   0 0 6,012
WISDOMTREE TR FLOATNG RAT TREA 97717X628 301 11,977 SH   SOLE   0 0 11,977
WISDOMTREE TR YIELD ENHANCD US 97717X511 2,674 51,233 SH   SOLE   0 0 51,233
WORLD GOLD TR SPDR GLD MINIS 98149E204 30,949 1,757,476 SH   SOLE   0 0 1,757,476