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| | | 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 |
AT&T Corp | COM | 00206R102 | 1,596 | 49,714 | SH | | SOLE | | 32,014 | 0 | 17,700 |
Abbott Labs | COM | 002824100 | 1,517 | 24,875 | SH | | SOLE | | 14,105 | 0 | 10,770 |
Alphabet, Inc - Cl A | COM | 02079K305 | 2,394 | 2,120 | SH | | SOLE | | 1,401 | 0 | 719 |
Alphabet, Inc - Cl C | COM | 02079K107 | 1,786 | 1,601 | SH | | SOLE | | 948 | 0 | 653 |
Altria Group | COM | 02209S103 | 1,578 | 27,783 | SH | | SOLE | | 17,486 | 0 | 10,297 |
Apple Inc | COM | 037833100 | 2,888 | 15,601 | SH | | SOLE | | 9,971 | 0 | 5,630 |
Becton Dickinson & Co | COM | 075887109 | 2,706 | 11,295 | SH | | SOLE | | 7,377 | 0 | 3,918 |
Chevron Corp | COM | 166764100 | 2,667 | 21,091 | SH | | SOLE | | 13,926 | 0 | 7,165 |
Colgate-Palmolive | COM | 194162103 | 1,040 | 16,048 | SH | | SOLE | | 12,908 | 0 | 3,140 |
Comcast Corp Cl A | COM | 20030N101 | 1,641 | 50,011 | SH | | SOLE | | 30,588 | 0 | 19,423 |
Exxon Mobil Corp | COM | 30231G102 | 1,722 | 20,818 | SH | | SOLE | | 13,653 | 0 | 7,165 |
FedEx Corp | COM | 31428X106 | 2,262 | 9,962 | SH | | SOLE | | 6,477 | 0 | 3,485 |
Gentex Corp. | COM | 371901109 | 2,212 | 96,105 | SH | | SOLE | | 62,810 | 0 | 33,295 |
Honeywell Int'l | COM | 438516106 | 2,268 | 15,744 | SH | | SOLE | | 10,155 | 0 | 5,589 |
Intercontinental Exchange Grou | COM | 45866F104 | 2,540 | 34,540 | SH | | SOLE | | 22,680 | 0 | 11,860 |
Johnson & Johnson | COM | 478160104 | 1,393 | 11,478 | SH | | SOLE | | 6,112 | 0 | 5,366 |
MGIC Investment | COM | 552848103 | 115 | 10,769 | SH | | SOLE | | 10,769 | 0 | 0 |
MetLife Inc | COM | 59156R108 | 1,654 | 37,925 | SH | | SOLE | | 24,235 | 0 | 13,690 |
P G & E Corp | COM | 69331C108 | 620 | 14,575 | SH | | SOLE | | 9,180 | 0 | 5,395 |
SPDR S&P Biotech ETF | COM | 78464A870 | 2,653 | 27,870 | SH | | SOLE | | 18,245 | 0 | 9,625 |
SPDR S&P Oil & Gas Exploration | COM | 78464A730 | 2,335 | 54,230 | SH | | SOLE | | 34,875 | 0 | 19,355 |
SPDR S&P Regional Banking ETF | COM | 78464A698 | 2,779 | 45,550 | SH | | SOLE | | 28,920 | 0 | 16,630 |
SPDR Sector - Consumer Discret | COM | 81369Y407 | 3,007 | 27,511 | SH | | SOLE | | 18,058 | 0 | 9,453 |
SPDR Sector - Consumer Staples | COM | 81369y308 | 2,165 | 42,007 | SH | | SOLE | | 27,627 | 0 | 14,380 |
SPDR Sector - Energy ETF | COM | 81369y506 | 2,638 | 34,737 | SH | | SOLE | | 22,952 | 0 | 11,785 |
SPDR Sector - Financial ETF | COM | 81369Y605 | 2,240 | 84,260 | SH | | SOLE | | 55,382 | 0 | 28,878 |
SPDR Sector - Healthcare ETF | COM | 81369y209 | 3,132 | 37,532 | SH | | SOLE | | 25,662 | 0 | 11,870 |
SPDR Sector - Materials ETF | COM | 81369y100 | 2,401 | 41,355 | SH | | SOLE | | 25,815 | 0 | 15,540 |
SPDR Sector - Technology ETF | COM | 81369y803 | 6,261 | 90,121 | SH | | SOLE | | 56,150 | 0 | 33,971 |
SPDR Sector - Utilities ETF | COM | 81369y886 | 947 | 18,221 | SH | | SOLE | | 11,660 | 0 | 6,561 |
SPDR Sector Real Estate ETF | COM | 81369Y860 | 327 | 9,992 | SH | | SOLE | | 5,759 | 0 | 4,233 |
United Parcel Service Inc Cl B | COM | 911312106 | 1,949 | 18,346 | SH | | SOLE | | 11,573 | 0 | 6,773 |
Vanguard Information Technolog | COM | 92204A702 | 267 | 1,470 | SH | | SOLE | | 1,470 | 0 | 0 |
Visa, Inc. | COM | 92826C839 | 2,937 | 22,178 | SH | | SOLE | | 13,895 | 0 | 8,283 |
Whirlpool Corp | COM | 963320106 | 1,758 | 12,025 | SH | | SOLE | | 7,655 | 0 | 4,370 |
Invesco S&P 500 Equal Weight E | FD ETF | 46137v357 | 429 | 4,209 | SH | | SOLE | | 3,637 | 0 | 572 |
SPDR S&P 500 ETF | FD ETF | 78462f103 | 4,673 | 17,225 | SH | | SOLE | | 12,757 | 0 | 4,468 |
Schwab US Large Cap Growth ETF | FD ETF | 808524300 | 472 | 6,235 | SH | | SOLE | | 6,026 | 0 | 209 |
Schwab US Large Cap Value ETF | FD ETF | 808524409 | 339 | 6,375 | SH | | SOLE | | 6,283 | 0 | 92 |
Schwab US Mid-Cap ETF | FD ETF | 808524508 | 591 | 10,772 | SH | | SOLE | | 10,542 | 0 | 230 |
Vanguard Emerging Market ETF | FD ETF | 922042858 | 2,962 | 70,195 | SH | | SOLE | | 52,420 | 0 | 17,775 |
Vanguard FTSE All-World ex-US | FD ETF | 922042775 | 219 | 4,232 | SH | | SOLE | | 3,827 | 0 | 405 |
Vanguard U.S. Total Stock Mark | FD ETF | 922908769 | 2,546 | 18,127 | SH | | SOLE | | 18,127 | 0 | 0 |
iShares MSCI Pacific ex-Japan | FD ETF | 464286665 | 2,197 | 47,748 | SH | | SOLE | | 32,943 | 0 | 14,805 |
Invesco Senior Loan ETF | FD ETF | 46138g508 | 3,282 | 143,310 | SH | | SOLE | | 109,128 | 0 | 34,182 |
PIMCO Enhanced Short Maturity | FD ETF | 72201R833 | 4,480 | 44,119 | SH | | SOLE | | 36,450 | 0 | 7,669 |
SPDR Barclays Convertible Secu | FD ETF | 78464A359 | 505 | 9,517 | SH | | SOLE | | 7,111 | 0 | 2,406 |
Schwab U.S. Aggregate Bond ETF | FD ETF | 808524839 | 433 | 8,559 | SH | | SOLE | | 8,232 | 0 | 327 |
Schwab U.S. TIPS ETF | FD ETF | 808524870 | 2,725 | 49,634 | SH | | SOLE | | 40,131 | 0 | 9,503 |
Vanguard Intermediate Term Cor | FD ETF | 92206c870 | 2,680 | 32,094 | SH | | SOLE | | 22,739 | 0 | 9,355 |
Vanguard Short Term Corp Bond | FD ETF | 92206c409 | 4,834 | 61,895 | SH | | SOLE | | 44,682 | 0 | 17,213 |
Vanguard Total Bond Market ETF | FD ETF | 921937835 | 7,811 | 98,637 | SH | | SOLE | | 75,365 | 0 | 23,272 |
iShares Barclays 1-3 Year Cred | FD ETF | 464288646 | 6,603 | 63,676 | SH | | SOLE | | 48,486 | 0 | 15,190 |
iShares Barclays Intermed Cred | FD ETF | 464288638 | 4,215 | 39,671 | SH | | SOLE | | 29,031 | 0 | 10,640 |
iShares Core Total US Bond Mar | FD ETF | 464287226 | 495 | 4,660 | SH | | SOLE | | 3,800 | 0 | 860 |
iShares Floating Rate Bond ETF | FD ETF | 46429B655 | 1,986 | 38,944 | SH | | SOLE | | 35,534 | 0 | 3,410 |
iShares Intermediate Gov/Credi | FD ETF | 464288612 | 1,827 | 16,955 | SH | | SOLE | | 13,292 | 0 | 3,663 |
SPDR Nuveen Barclay's Short-Te | FD ETF | 78468R739 | 1,646 | 34,295 | SH | | SOLE | | 26,306 | 0 | 7,989 |
VanEck Vectors High-Yield Muni | FD ETF | 92189F361 | 254 | 8,065 | SH | | SOLE | | 0 | 0 | 8,065 |