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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 | 1,630 | 48,554 | SH | | SOLE | | 30,829 | 0 | 17,725 |
Abbott Labs | COM | 002824100 | 1,763 | 24,030 | SH | | SOLE | | 13,580 | 0 | 10,450 |
Alphabet, Inc - Cl A | COM | 02079K305 | 2,489 | 2,062 | SH | | SOLE | | 1,343 | 0 | 719 |
Alphabet, Inc - Cl C | COM | 02079K107 | 1,899 | 1,591 | SH | | SOLE | | 938 | 0 | 653 |
Altria Group | COM | 02209S103 | 1,661 | 27,535 | SH | | SOLE | | 17,238 | 0 | 10,297 |
Apple Inc | COM | 037833100 | 3,328 | 14,741 | SH | | SOLE | | 9,336 | 0 | 5,405 |
Becton Dickinson & Co | COM | 075887109 | 2,843 | 10,892 | SH | | SOLE | | 7,107 | 0 | 3,785 |
Chevron Corp | COM | 166764100 | 2,521 | 20,614 | SH | | SOLE | | 13,449 | 0 | 7,165 |
Colgate-Palmolive | COM | 194162103 | 1,074 | 16,048 | SH | | SOLE | | 12,908 | 0 | 3,140 |
Comcast Corp Cl A | COM | 20030N101 | 1,728 | 48,811 | SH | | SOLE | | 29,998 | 0 | 18,813 |
Exxon Mobil Corp | COM | 30231G102 | 1,704 | 20,048 | SH | | SOLE | | 12,908 | 0 | 7,140 |
FedEx Corp | COM | 31428X106 | 2,333 | 9,687 | SH | | SOLE | | 6,232 | 0 | 3,455 |
Gentex Corp. | COM | 371901109 | 2,013 | 93,800 | SH | | SOLE | | 60,505 | 0 | 33,295 |
Honeywell Int'l | COM | 438516106 | 2,521 | 15,149 | SH | | SOLE | | 9,735 | 0 | 5,414 |
Intercontinental Exchange Grou | COM | 45866F104 | 2,483 | 33,149 | SH | | SOLE | | 21,539 | 0 | 11,610 |
Johnson & Johnson | COM | 478160104 | 1,488 | 10,766 | SH | | SOLE | | 5,625 | 0 | 5,141 |
MGIC Investment | COM | 552848103 | 143 | 10,769 | SH | | SOLE | | 10,769 | 0 | 0 |
MetLife Inc | COM | 59156R108 | 1,733 | 37,095 | SH | | SOLE | | 23,405 | 0 | 13,690 |
P G & E Corp | COM | 69331C108 | 655 | 14,240 | SH | | SOLE | | 8,845 | 0 | 5,395 |
SPDR S&P Biotech ETF | COM | 78464A870 | 2,566 | 26,770 | SH | | SOLE | | 17,345 | 0 | 9,425 |
SPDR S&P Regional Banking ETF | COM | 78464A698 | 2,639 | 44,420 | SH | | SOLE | | 27,790 | 0 | 16,630 |
SPDR Sector - Consumer Discret | COM | 81369Y407 | 3,158 | 26,941 | SH | | SOLE | | 17,383 | 0 | 9,558 |
SPDR Sector - Consumer Staples | COM | 81369y308 | 2,199 | 40,782 | SH | | SOLE | | 26,402 | 0 | 14,380 |
SPDR Sector - Energy ETF | COM | 81369y506 | 2,570 | 33,932 | SH | | SOLE | | 22,147 | 0 | 11,785 |
SPDR Sector - Financial ETF | COM | 81369Y605 | 2,302 | 83,450 | SH | | SOLE | | 54,572 | 0 | 28,878 |
SPDR Sector - Healthcare ETF | COM | 81369y209 | 3,534 | 37,142 | SH | | SOLE | | 25,272 | 0 | 11,870 |
SPDR Sector - Materials ETF | COM | 81369y100 | 2,353 | 40,610 | SH | | SOLE | | 25,070 | 0 | 15,540 |
SPDR Sector - Technology ETF | COM | 81369y803 | 6,635 | 88,075 | SH | | SOLE | | 54,104 | 0 | 33,971 |
SPDR Sector - Utilities ETF | COM | 81369y886 | 937 | 17,806 | SH | | SOLE | | 11,245 | 0 | 6,561 |
SPDR Sector Real Estate ETF | COM | 81369Y860 | 323 | 9,906 | SH | | SOLE | | 5,673 | 0 | 4,233 |
United Parcel Service Inc Cl B | COM | 911312106 | 2,083 | 17,841 | SH | | SOLE | | 11,128 | 0 | 6,713 |
United Technologies | COM | 913017109 | 221 | 1,584 | SH | | SOLE | | 1,584 | 0 | 0 |
Vanguard Information Technolog | COM | 92204A702 | 298 | 1,470 | SH | | SOLE | | 1,470 | 0 | 0 |
Visa, Inc. | COM | 92826C839 | 3,232 | 21,533 | SH | | SOLE | | 13,435 | 0 | 8,098 |
Whirlpool Corp | COM | 963320106 | 1,355 | 11,410 | SH | | SOLE | | 7,385 | 0 | 4,025 |
Invesco S&P 500 Equal Weight E | FD ETF | 46137v357 | 291 | 2,728 | SH | | SOLE | | 2,156 | 0 | 572 |
SPDR S&P 500 ETF | FD ETF | 78462f103 | 4,848 | 16,676 | SH | | SOLE | | 12,123 | 0 | 4,553 |
Schwab US Large Cap Growth ETF | FD ETF | 808524300 | 577 | 7,033 | SH | | SOLE | | 6,824 | 0 | 209 |
Schwab US Large Cap Value ETF | FD ETF | 808524409 | 427 | 7,623 | SH | | SOLE | | 7,531 | 0 | 92 |
Schwab US Mid-Cap ETF | FD ETF | 808524508 | 587 | 10,152 | SH | | SOLE | | 9,922 | 0 | 230 |
Vanguard Emerging Market ETF | FD ETF | 922042858 | 2,796 | 68,205 | SH | | SOLE | | 50,310 | 0 | 17,895 |
Vanguard FTSE All-World ex-US | FD ETF | 922042775 | 220 | 4,232 | SH | | SOLE | | 3,827 | 0 | 405 |
Vanguard Total Int'l Stock Ind | FD ETF | 921909768 | 372 | 6,889 | SH | | SOLE | | 4,389 | 0 | 2,500 |
Vanguard U.S. Total Stock Mark | FD ETF | 922908769 | 2,681 | 17,917 | SH | | SOLE | | 17,917 | 0 | 0 |
iShares MSCI Pacific ex-Japan | FD ETF | 464286665 | 2,113 | 46,518 | SH | | SOLE | | 31,713 | 0 | 14,805 |
Invesco Senior Loan ETF | FD ETF | 46138g508 | 3,168 | 136,741 | SH | | SOLE | | 102,559 | 0 | 34,182 |
PIMCO Enhanced Short Maturity | FD ETF | 72201R833 | 3,921 | 38,588 | SH | | SOLE | | 30,919 | 0 | 7,669 |
SPDR Barclays Convertible Secu | FD ETF | 78464A359 | 374 | 6,928 | SH | | SOLE | | 4,522 | 0 | 2,406 |
SPDR Portfolio Short Term Corp | FD ETF | 78464A474 | 480 | 15,898 | SH | | SOLE | | 14,208 | 0 | 1,690 |
Schwab U.S. Aggregate Bond ETF | FD ETF | 808524839 | 392 | 7,802 | SH | | SOLE | | 7,475 | 0 | 327 |
Schwab U.S. TIPS ETF | FD ETF | 808524870 | 2,635 | 48,839 | SH | | SOLE | | 39,096 | 0 | 9,743 |
Vanguard Intermediate Term Cor | FD ETF | 92206c870 | 2,689 | 32,194 | SH | | SOLE | | 22,769 | 0 | 9,425 |
Vanguard Mortgage-Backed Secur | FD ETF | 92206C771 | 3,771 | 73,947 | SH | | SOLE | | 55,122 | 0 | 18,825 |
Vanguard Short Term Corp Bond | FD ETF | 92206c409 | 5,052 | 64,642 | SH | | SOLE | | 47,114 | 0 | 17,528 |
Vanguard Total Bond Market ETF | FD ETF | 921937835 | 7,046 | 89,534 | SH | | SOLE | | 67,269 | 0 | 22,265 |
iShares Core Total US Bond Mar | FD ETF | 464287226 | 432 | 4,095 | SH | | SOLE | | 3,545 | 0 | 550 |
iShares Floating Rate Bond ETF | FD ETF | 46429B655 | 1,862 | 36,504 | SH | | SOLE | | 30,264 | 0 | 6,240 |
iShares Interm Corporate Bond | FD ETF | 464288638 | 1,201 | 22,626 | SH | | SOLE | | 19,704 | 0 | 2,922 |
iShares Intermediate Gov/Credi | FD ETF | 464288612 | 2,455 | 22,873 | SH | | SOLE | | 18,240 | 0 | 4,633 |
iShares Short-Term Corporate B | FD ETF | 464288646 | 6,371 | 122,927 | SH | | SOLE | | 93,057 | 0 | 29,870 |
SPDR Nuveen Barclay's Short-Te | FD ETF | 78468R739 | 1,027 | 21,534 | SH | | SOLE | | 14,097 | 0 | 7,437 |
VanEck Vectors High-Yield Muni | FD ETF | 92189F361 | 251 | 8,065 | SH | | SOLE | | 0 | 0 | 8,065 |