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
3M CO COM 88579Y101 214 1,438 SH   SOLE   1,438 0 0
ABBOTT LABS COM 002824100 457 3,857 SH   SOLE   3,857 0 0
ABBVIE INC COM 00287Y109 7,204 44,440 SH   SOLE   43,649 0 791
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,680 8,076 SH   SOLE   7,996 0 80
ALPHABET INC CAP STK CL A 02079K305 1,051 378 SH   SOLE   378 0 0
ALPHABET INC CAP STK CL C 02079K107 788 282 SH   SOLE   282 0 0
AMAZON COM INC COM 023135106 13,072 4,010 SH   SOLE   4,000 0 10
AMERICAN EXPRESS CO COM 025816109 660 3,527 SH   SOLE   3,527 0 0
AMERISOURCEBERGEN CORP COM 03073E105 2,457 15,884 SH   SOLE   15,884 0 0
AMGEN INC COM 031162100 222 919 SH   SOLE   919 0 0
APPLE INC COM 037833100 24,963 142,963 SH   SOLE   142,963 0 0
AT&T INC COM 00206R102 1,058 44,770 SH   SOLE   44,770 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,200 3,400 SH   SOLE   3,400 0 0
BK OF AMERICA CORP COM 060505104 422 10,227 SH   SOLE   10,227 0 0
BLACKSTONE INC COM 09260D107 407 3,210 SH   SOLE   3,210 0 0
BOEING CO COM 097023105 3,356 17,525 SH   SOLE   17,525 0 0
BP PLC SPONSORED ADR 055622104 213 7,231 SH   SOLE   7,231 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 5,113 70,012 SH   SOLE   70,012 0 0
BROADCOM INC COM 11135F101 389 618 SH   SOLE   30 0 588
CATERPILLAR INC COM 149123101 6,167 27,679 SH   SOLE   27,529 0 150
CHEVRON CORP NEW COM 166764100 2,893 17,770 SH   SOLE   17,770 0 0
CISCO SYS INC COM 17275R102 298 5,345 SH   SOLE   5,345 0 0
COCA COLA CO COM 191216100 3,460 55,802 SH   SOLE   55,202 0 600
COMCAST CORP NEW CL A 20030N101 516 11,022 SH   SOLE   3,983 0 7,039
COSTCO WHSL CORP NEW COM 22160K105 8,952 15,545 SH   SOLE   15,470 0 75
CVS HEALTH CORP COM 126650100 3,200 31,617 SH   SOLE   31,617 0 0
DANAHER CORPORATION COM 235851102 7,995 27,258 SH   SOLE   27,068 0 190
DISNEY WALT CO COM 254687106 758 5,528 SH   SOLE   5,528 0 0
DOCUSIGN INC COM 256163106 1,243 11,600 SH   SOLE   11,294 0 306
DTE ENERGY CO COM 233331107 872 6,593 SH   SOLE   6,593 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 489 4,379 SH   SOLE   4,379 0 0
EATON CORP PLC SHS G29183103 243 1,599 SH   SOLE   1,599 0 0
EXXON MOBIL CORP COM 30231G102 2,050 24,818 SH   SOLE   24,818 0 0
FORD MTR CO DEL COM 345370860 670 39,620 SH   SOLE   39,620 0 0
GALLAGHER ARTHUR J & CO COM 363576109 6,546 37,489 SH   SOLE   37,489 0 0
GENTEX CORP COM 371901109 3,089 105,912 SH   SOLE   104,872 0 1,040
GLOBAL PMTS INC COM 37940X102 2,790 20,389 SH   SOLE   20,044 0 345
GOLDMAN SACHS GROUP INC COM 38141G104 4,340 13,147 SH   SOLE   13,147 0 0
HOME DEPOT INC COM 437076102 820 2,738 SH   SOLE   2,738 0 0
HONEYWELL INTL INC COM 438516106 249 1,282 SH   SOLE   1,282 0 0
HORMEL FOODS CORP COM 440452100 2,874 55,762 SH   SOLE   55,762 0 0
HP INC COM 40434L105 3,041 83,772 SH   SOLE   83,372 0 400
INTEL CORP COM 458140100 703 14,191 SH   SOLE   14,191 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 5,499 18,228 SH   SOLE   18,228 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 4,027 23,567 SH   SOLE   23,087 0 480
INVESCO QQQ TR UNIT SER 1 46090E103 6,387 17,618 SH   SOLE   17,618 0 0
ISHARES GOLD TR ISHARES NEW 464285204 7,857 213,334 SH   SOLE   212,054 0 1,280
ISHARES INC CORE MSCI EMKT 46434G103 5,392 97,062 SH   SOLE   96,542 0 520
ISHARES INC ESG AWR MSCI EM 46434G863 269 7,334 SH   SOLE   7,334 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 209 1,995 SH   SOLE   1,995 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 5,469 124,399 SH   SOLE   124,399 0 0
ISHARES TR COHEN STEER REIT 464287564 2,010 28,304 SH   SOLE   28,124 0 180
ISHARES TR CORE HIGH DV ETF 46429B663 528 4,943 SH   SOLE   4,943 0 0
ISHARES TR CORE MSCI EAFE 46432F842 16,291 234,364 SH   SOLE   232,399 0 1,965
ISHARES TR CORE MSCI INTL 46435G326 2,016 31,687 SH   SOLE   31,687 0 0
ISHARES TR CORE S&P MCP ETF 464287507 100,406 374,174 SH   SOLE   371,814 0 2,360
ISHARES TR CORE S&P SCP ETF 464287804 64,772 600,409 SH   SOLE   597,109 0 3,300
ISHARES TR CORE S&P TTL STK 464287150 631 6,247 SH   SOLE   6,247 0 0
ISHARES TR CORE S&P500 ETF 464287200 281,501 620,470 SH   SOLE   615,016 0 5,454
ISHARES TR ESG AW MSCI EAFE 46435G516 613 8,320 SH   SOLE   8,320 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 20,671 784,781 SH   SOLE   773,903 0 10,878
ISHARES TR IBONDS 27 ETF 46435UAA9 26,954 1,080,766 SH   SOLE   1,067,546 0 13,220
ISHARES TR IBONDS DEC 46435U697 956 36,770 SH   SOLE   36,770 0 0
ISHARES TR IBONDS DEC 25 46435U432 714 26,795 SH   SOLE   26,795 0 0
ISHARES TR IBONDS DEC 26 46435U259 395 15,500 SH   SOLE   15,500 0 0
ISHARES TR IBONDS DEC 29 46436E205 13,113 535,016 SH   SOLE   528,829 0 6,187
ISHARES TR IBONDS DEC2022 46435G755 1,585 61,160 SH   SOLE   61,160 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,575 61,840 SH   SOLE   61,840 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 27,294 1,107,242 SH   SOLE   1,099,542 0 7,700
ISHARES TR IBONDS DEC22 ETF 46434VBA7 21,923 875,516 SH   SOLE   870,411 0 5,105
ISHARES TR IBONDS DEC23 ETF 46434VAX8 26,280 1,039,539 SH   SOLE   1,033,779 0 5,760
ISHARES TR IBONDS DEC24 ETF 46434VBG4 26,733 1,065,057 SH   SOLE   1,059,547 0 5,510
ISHARES TR IBONDS DEC25 ETF 46434VBD1 27,974 1,107,887 SH   SOLE   1,100,852 0 7,035
ISHARES TR MSCI EAFE ETF 464287465 5,206 70,735 SH   SOLE   70,735 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 570 12,619 SH   SOLE   12,619 0 0
ISHARES TR NATIONAL MUN ETF 464288414 581 5,300 SH   SOLE   5,300 0 0
ISHARES TR RUS 1000 ETF 464287622 26,704 106,785 SH   SOLE   106,785 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,040 10,951 SH   SOLE   10,951 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,137 6,852 SH   SOLE   6,852 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 406 1,589 SH   SOLE   1,589 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 254 1,577 SH   SOLE   1,577 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 221 1,847 SH   SOLE   1,847 0 0
ISHARES TR RUS MID CAP ETF 464287499 19,845 254,288 SH   SOLE   253,288 0 1,000
ISHARES TR RUSSELL 2000 ETF 464287655 13,130 63,962 SH   SOLE   63,962 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 734 9,607 SH   SOLE   9,607 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,133 7,276 SH   SOLE   7,276 0 0
ISHARES TR S&P MC 400GR ETF 464287606 401 5,193 SH   SOLE   5,193 0 0
ISHARES TR S&P MC 400VL ETF 464287705 497 4,535 SH   SOLE   4,535 0 0
ISHARES TR S&P SML 600 GWT 464287887 284 2,270 SH   SOLE   2,270 0 0
ISHARES TR SELECT DIVID ETF 464287168 323 2,521 SH   SOLE   2,521 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,577 15,075 SH   SOLE   15,075 0 0
ISHARES TR SP SMCP600VL ETF 464287879 262 2,555 SH   SOLE   2,555 0 0
ISHARES TR TIPS BD ETF 464287176 45,412 364,548 SH   SOLE   362,180 0 2,368
ISHARES TR US TREAS BD ETF 46429B267 225 9,033 SH   SOLE   9,033 0 0
JOHNSON & JOHNSON COM 478160104 1,360 7,676 SH   SOLE   7,676 0 0
JPMORGAN CHASE & CO COM 46625H100 8,423 61,787 SH   SOLE   61,787 0 0
KEYCORP COM 493267108 2,181 97,441 SH   SOLE   94,281 0 3,160
KIMBERLY-CLARK CORP COM 494368103 247 2,003 SH   SOLE   2,003 0 0
KINDER MORGAN INC DEL COM 49456B101 1,670 88,311 SH   SOLE   88,251 0 60
KROGER CO COM 501044101 337 5,875 SH   SOLE   5,875 0 0
LENNOX INTL INC COM 526107107 2,020 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 599 2,091 SH   SOLE   2,091 0 0
LINCOLN ELEC HLDGS INC COM 533900106 413 3,000 SH   SOLE   3,000 0 0
LOCKHEED MARTIN CORP COM 539830109 415 940 SH   SOLE   940 0 0
LOWES COS INC COM 548661107 8,193 40,523 SH   SOLE   40,523 0 0
MCDONALDS CORP COM 580135101 223 901 SH   SOLE   901 0 0
MERCK & CO INC COM 58933Y105 433 5,275 SH   SOLE   5,275 0 0
META PLATFORMS INC CL A 30303M102 5,657 25,442 SH   SOLE   25,442 0 0
MICROSOFT CORP COM 594918104 16,400 53,193 SH   SOLE   53,168 0 25
MP MATERIALS CORP COM CL A 553368101 258 4,500 SH   SOLE   4,500 0 0
NETFLIX INC COM 64110L106 2,025 5,406 SH   SOLE   5,366 0 40
NEXTERA ENERGY INC COM 65339F101 235 2,778 SH   SOLE   2,778 0 0
NIKE INC CL B 654106103 209 1,550 SH   SOLE   1,550 0 0
NUCOR CORP COM 670346105 4,844 32,589 SH   SOLE   32,369 0 220
NVIDIA CORPORATION COM 67066G104 6,693 24,530 SH   SOLE   24,150 0 380
OAK STR HEALTH INC COM 67181A107 902 33,571 SH   SOLE   33,451 0 120
ORACLE CORP COM 68389X105 502 6,064 SH   SOLE   6,064 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 305 445 SH   SOLE   445 0 0
PAYCHEX INC COM 704326107 317 2,321 SH   SOLE   2,321 0 0
PEPSICO INC COM 713448108 543 3,244 SH   SOLE   3,244 0 0
PFIZER INC COM 717081103 774 14,956 SH   SOLE   14,956 0 0
PHILIP MORRIS INTL INC COM 718172109 219 2,329 SH   SOLE   2,329 0 0
PROCTER AND GAMBLE CO COM 742718109 5,104 33,401 SH   SOLE   33,401 0 0
PROGRESSIVE CORP COM 743315103 1,220 10,706 SH   SOLE   10,706 0 0
PROLOGIS INC. COM 74340W103 4,824 29,872 SH   SOLE   29,672 0 200
QUALCOMM INC COM 747525103 217 1,417 SH   SOLE   1,417 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,765 27,909 SH   SOLE   27,909 0 0
ROCKWELL MED INC COM 774374102 67 141,900 SH   SOLE   141,900 0 0
ROPER TECHNOLOGIES INC COM 776696106 6,697 14,182 SH   SOLE   14,102 0 80
SCHWAB CHARLES CORP COM 808513105 301 3,574 SH   SOLE   3,574 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 323 11,626 SH   SOLE   11,626 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 843 22,954 SH   SOLE   22,954 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,805 33,799 SH   SOLE   33,799 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 576 7,298 SH   SOLE   7,298 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,816 52,284 SH   SOLE   52,284 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 896 11,806 SH   SOLE   11,806 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 707 14,925 SH   SOLE   14,925 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 243 2,704 SH   SOLE   0 0 2,704
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,736 48,872 SH   SOLE   48,872 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,276 33,301 SH   SOLE   33,301 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 503 3,671 SH   SOLE   3,671 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 588 3,702 SH   SOLE   3,702 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,934 22,015 SH   SOLE   22,015 0 0
SNAP ON INC COM 833034101 3,591 17,477 SH   SOLE   17,397 0 80
SNOWFLAKE INC CL A 833445109 2,226 9,714 SH   SOLE   9,714 0 0
SONOS INC COM 83570H108 236 8,350 SH   SOLE   8,350 0 0
SOUTHERN CO COM 842587107 362 4,987 SH   SOLE   4,987 0 0
SPDR GOLD TR GOLD SHS 78463V107 311 1,724 SH   SOLE   1,724 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,289 18,353 SH   SOLE   18,353 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,177 2,400 SH   SOLE   2,400 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 38,132 1,453,201 SH   SOLE   1,444,291 0 8,910
SPDR SER TR S&P METALS MNG 78464A755 400 6,529 SH   SOLE   6,529 0 0
SPDR SER TR S&P SEMICNDCTR 78464A862 238 1,145 SH   SOLE   1,145 0 0
STARBUCKS CORP COM 855244109 3,296 36,232 SH   SOLE   36,232 0 0
STERIS PLC SHS USD G8473T100 236 975 SH   SOLE   975 0 0
STRYKER CORPORATION COM 863667101 12,084 45,200 SH   SOLE   44,925 0 275
SYNOPSYS INC COM 871607107 10,683 32,056 SH   SOLE   32,056 0 0
TARGET CORP COM 87612E106 656 3,092 SH   SOLE   3,092 0 0
TE CONNECTIVITY LTD SHS H84989104 206 1,570 SH   SOLE   0 0 1,570
TESLA INC COM 88160R101 2,317 2,150 SH   SOLE   2,150 0 0
TIMOTHY PLAN HIG DV STK ETF 887432326 352 10,650 SH   SOLE   10,650 0 0
TJX COS INC NEW COM 872540109 4,979 82,192 SH   SOLE   82,192 0 0
TWITTER INC COM 90184L102 271 7,006 SH   SOLE   0 0 7,006
UNITED PARCEL SERVICE INC CL B 911312106 12,813 59,744 SH   SOLE   59,744 0 0
UNITED RENTALS INC COM 911363109 4,291 12,081 SH   SOLE   12,006 0 75
UNITEDHEALTH GROUP INC COM 91324P102 8,202 16,083 SH   SOLE   15,205 0 878
US BANCORP DEL COM NEW 902973304 210 3,958 SH   SOLE   3,958 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 298 1,800 SH   SOLE   1,800 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 327 1,136 SH   SOLE   1,136 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 229 1,027 SH   SOLE   1,027 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,218 5,119 SH   SOLE   5,119 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,244 39,158 SH   SOLE   38,918 0 240
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,378 8,137 SH   SOLE   8,137 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,017 4,783 SH   SOLE   4,783 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 538 2,170 SH   SOLE   2,170 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 18,820 82,665 SH   SOLE   82,665 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 20,066 135,786 SH   SOLE   134,153 0 1,633
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32,866 712,456 SH   SOLE   707,671 0 4,785
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,134 21,997 SH   SOLE   21,997 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 14,002 162,742 SH   SOLE   161,732 0 1,010
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 23,005 294,591 SH   SOLE   293,376 0 1,215
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 84,961 1,768,919 SH   SOLE   1,758,074 0 10,845
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 13,018 115,970 SH   SOLE   115,680 0 290
VERIZON COMMUNICATIONS INC COM 92343V104 207 4,072 SH   SOLE   4,072 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 337 1,291 SH   SOLE   40 0 1,251
VISA INC COM CL A 92826C839 280 1,262 SH   SOLE   1,262 0 0
WALMART INC COM 931142103 217 1,460 SH   SOLE   1,460 0 0
WASTE MGMT INC DEL COM 94106L109 227 1,431 SH   SOLE   1,431 0 0
WELLS FARGO CO NEW COM 949746101 231 4,765 SH   SOLE   4,765 0 0
WOLFSPEED INC COM 977852102 232 2,035 SH   SOLE   0 0 2,035