Retirement Income Solutions 13F-HR Quarterly holdings report by institutional manager

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

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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
3M Co	COM	88579Y101	740,000	3,883	SH		SOLE	0	0	0	3,883
Alliant Energy	COM	018802108	275,000	6,502	SH		SOLE	0	0	0	6,502
Alphabet Inc Cap Stk Class A	CAP STK CL A	02079K305	359,000	346	SH		SOLE	0	0	0	346
Alphabet Inc Cap Stk Class C	CAP STK CL C	02079K107	337,000	325	SH		SOLE	0	0	0	325
Amazon Com Inc	COM	023135106	2,026,000	1,349	SH		SOLE	0	0	0	1,349
Amgen	COM	031162100	392,000	2,012	SH		SOLE	0	0	0	2,012
Apple Inc	COM	037833100	607,000	3,849	SH		SOLE	0	0	0	3,849
Berkshire Hathaway B	CL B NEW	084670702	841,000	4,120	SH		SOLE	0	0	0	4,120
Boeing	COM	097023105	220,000	681	SH		SOLE	0	0	0	681
Claymore Guggenheim BulletShares 2019 Corp Bd ETF	GUG BULL2019 E	18383M522	533,000	25,304	SH		SOLE	0	0	0	25,304
Claymore Guggenheim BulletShares 2020 Corp Bd ETF	GUG BULL2020 E	18383M514	759,000	36,010	SH		SOLE	0	0	0	36,010
Claymore Guggenheim BulletShares 2021 Corp Bd ETF	GUGG BULSCH 2021	18383M266	946,000	45,599	SH		SOLE	0	0	0	45,599
Claymore Guggenheim BulletShares 2022 Corp Bd ETF	GUGG BULSH 2022	18383M258	845,000	40,991	SH		SOLE	0	0	0	40,991
Claymore Guggenheim BulletShares 2023 Corp Bd ETF	2023 CORP BOND	18383M241	754,000	37,380	SH		SOLE	0	0	0	37,380
Coca-Cola	COM	191216100	283,000	5,977	SH		SOLE	0	0	0	5,977
Colgate-Palmolive	COM	194162103	540,000	9,068	SH		SOLE	0	0	0	9,068
Comcast Corp A	CL A	20030N101	654,000	19,200	SH		SOLE	0	0	0	19,200
Deutsche MSCI EAFE Hedged Equity ETF	XTRACK MSCI EAFE	233051200	3,004,000	107,688	SH		SOLE	0	0	0	107,688
Deutsche X-Trackers MSCI Europe Hedged Equity	XTRACK MSCI EURP	233051853	506,000	20,122	SH		SOLE	0	0	0	20,122
DTE Energy	COM	233331107	290,000	2,630	SH		SOLE	0	0	0	2,630
Ecolab	COM	278865100	464,000	3,150	SH		SOLE	0	0	0	3,150
Exxon Mobil	COM	30231G102	495,000	7,266	SH		SOLE	0	0	0	7,266
First TR Low Duration Opportunities ETF	FST LOW OPPT EFT	33739Q200	2,363,000	46,289	SH		SOLE	0	0	0	46,289
Ford Motor Company	COM	345370860	110,000	14,320	SH		SOLE	0	0	0	14,320
Intel Corp	COM	458140100	312,000	6,647	SH		SOLE	0	0	0	6,647
International Business Machines	COM	459200101	260,000	2,285	SH		SOLE	0	0	0	2,285
Invesco BulletShares 2024 Corp Bd ETF	BULSHS 2024 CB	46138J841	306,000	15,327	SH		SOLE	0	0	0	15,327
iShares Core S&P 500 ETF	CORE S&P500 ETF	464287200	8,713,000	34,630	SH		SOLE	0	0	0	34,630
iShares Core S&P Mid-Cap ETF	CORE S&P MCP ETF	464287507	8,180,000	49,261	SH		SOLE	0	0	0	49,261
Ishares Gold Trust	ISHARES	464285105	192,000	15,596	SH		SOLE	0	0	0	15,596
iShares MSCI ACWI Index ETF	MSCI ACWI ETF	464288257	3,284,000	51,191	SH		SOLE	0	0	0	51,191
iShares MSCI EAFE ETF	MSCI EAFE ETF	464287465	1,143,000	19,452	SH		SOLE	0	0	0	19,452
iShares MSCI Emerging Markets ETF	MSCI EMG MKT ETF	464287234	2,134,000	54,624	SH		SOLE	0	0	0	54,624
iShares Russell 1000 Growth ETF	RUS 1000 GRW ETF	464287614	12,606,000	96,297	SH		SOLE	0	0	0	96,297
iShares Russell 1000 Value ETF	RUS 1000 VAL ETF	464287598	7,364,000	66,309	SH		SOLE	0	0	0	66,309
iShares Russell 2000 ETF	RUS 2000 ETF	464287655	1,089,000	8,130	SH		SOLE	0	0	0	8,130
iShares Russell Mid-Cap ETF	RUS MID CP ETF	464287499	453,000	9,750	SH		SOLE	0	0	0	9,750
iShares Russell Mid-Cap Growth ETF	RUS MD CP GR ETF	464287481	259,000	2,278	SH		SOLE	0	0	0	2,278
iShares S&P 500 Growth	S&P 500 GRWT ETF	464287309	1,221,000	8,107	SH		SOLE	0	0	0	8,107
iShares S&P 500 Value ETF	S&P 500 VAL ETF	464287408	427,000	4,223	SH		SOLE	0	0	0	4,223
Ishares TR Russell Mid-Cap Value ETF	RUS MDCP VAL ETF	464287473	213,000	2,794	SH		SOLE	0	0	0	2,794
Johnson & Johnson	COM	478160104	652,000	5,050	SH		SOLE	0	0	0	5,050
JP Morgan Chase	COM	46625H100	436,000	4,467	SH		SOLE	0	0	0	4,467
Lam Research Corp	COM	512807108	211,000	1,550	SH		SOLE	0	0	0	1,550
MBT Financial Corp	COM	578877102	166,000	17,808	SH		SOLE	0	0	0	17,808
McDonalds Corp	COM	580135101	432,000	2,431	SH		SOLE	0	0	0	2,431
Merck & Co	COM	58933Y105	629,000	8,231	SH		SOLE	0	0	0	8,231
Microsoft Corp	COM	594918104	487,000	4,794	SH		SOLE	0	0	0	4,794
Oracle Corp	COM	68389X105	222,000	4,906	SH		SOLE	0	0	0	4,906
PepsiCo	COM	713448108	493,000	4,461	SH		SOLE	0	0	0	4,461
PowerShares QQQ ETF	UNIT SER 1	73935A104	484,000	3,136	SH		SOLE	0	0	0	3,136
PowerShares Water Resources ETF	WATER RES PORT	73935X575	435,000	15,431	SH		SOLE	0	0	0	15,431
Proctor & Gamble	COM	742718109	324,000	3,530	SH		SOLE	0	0	0	3,530
Rydex Guggenheim S&P 500 Equal Weight ETF	GUG S&P 500 EQ WT	78355W106	8,447,000	92,422	SH		SOLE	0	0	0	92,422
SPDR Gold ETF	GOLD SHS	78463V107	1,066,000	8,791	SH		SOLE	0	0	0	8,791
SPDR S&P 500 ETF	TR UNIT	78462F103	52,408,000	209,698	SH		SOLE	0	0	0	209,698
SPDR S&P Mid-Cap 400 ETF	UTSER1 S&PDCRP	78467Y107	18,932,000	62,549	SH		SOLE	0	0	0	62,549
Vanguard Growth ETF	GROWTH ETF	922908736	435,000	3,236	SH		SOLE	0	0	0	3,236
Vanguard Mid-Cap ETF	MID CAP ETF	922908629	365,000	2,638	SH		SOLE	0	0	0	2,638
Vanguard Value ETF	VALUE ETF	922908744	517,000	5,281	SH		SOLE	0	0	0	5,281
Verizon	COM	92343V104	248,000	4,407	SH		SOLE	0	0	0	4,407
Walt Disney Company	COM	254687106	531,000	4,843	SH		SOLE	0	0	0	4,843