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 373 3,858 SH   SOLE   3,858 0 0
ABBVIE INC COM 00287Y109 5,896 43,928 SH   SOLE   43,928 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,178 7,916 SH   SOLE   7,836 0 80
ALPHABET INC CAP STK CL A 02079K305 3,400 35,550 SH   SOLE   35,330 0 220
ALPHABET INC CAP STK CL C 02079K107 589 6,125 SH   SOLE   6,125 0 0
AMAZON COM INC COM 023135106 9,017 79,799 SH   SOLE   79,585 0 214
AMERICAN EXPRESS CO COM 025816109 479 3,551 SH   SOLE   3,551 0 0
AMERISOURCEBERGEN CORP COM 03073E105 2,136 15,787 SH   SOLE   15,787 0 0
AMGEN INC COM 031162100 207 919 SH   SOLE   919 0 0
APPLE INC COM 037833100 19,152 138,581 SH   SOLE   138,516 0 65
AUTODESK INC COM 052769106 235 1,259 SH   SOLE   1,259 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 906 3,394 SH   SOLE   3,394 0 0
BK OF AMERICA CORP COM 060505104 325 10,751 SH   SOLE   10,751 0 0
BLACKSTONE INC COM 09260D107 269 3,210 SH   SOLE   3,210 0 0
BOEING CO COM 097023105 1,910 15,775 SH   SOLE   15,775 0 0
BP PLC SPONSORED ADR 055622104 218 7,630 SH   SOLE   7,630 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,942 69,522 SH   SOLE   69,522 0 0
BROADCOM INC COM 11135F101 297 670 SH   SOLE   670 0 0
CATERPILLAR INC COM 149123101 4,508 27,474 SH   SOLE   27,324 0 150
CHEVRON CORP NEW COM 166764100 2,723 18,952 SH   SOLE   18,952 0 0
CISCO SYS INC COM 17275R102 229 5,734 SH   SOLE   5,734 0 0
COCA COLA CO COM 191216100 3,440 61,406 SH   SOLE   60,806 0 600
COLGATE PALMOLIVE CO COM 194162103 211 3,006 SH   SOLE   3,006 0 0
COMCAST CORP NEW CL A 20030N101 355 12,102 SH   SOLE   12,102 0 0
CONSOLIDATED EDISON INC COM 209115104 204 2,377 SH   SOLE   2,377 0 0
COSTCO WHSL CORP NEW COM 22160K105 7,315 15,488 SH   SOLE   15,413 0 75
CVS HEALTH CORP COM 126650100 3,033 31,807 SH   SOLE   31,807 0 0
DANAHER CORPORATION COM 235851102 7,007 27,129 SH   SOLE   26,939 0 190
DEERE & CO COM 244199105 226 678 SH   SOLE   678 0 0
DISNEY WALT CO COM 254687106 448 4,749 SH   SOLE   4,749 0 0
DOCUSIGN INC COM 256163106 208 3,896 SH   SOLE   3,896 0 0
DTE ENERGY CO COM 233331107 988 8,588 SH   SOLE   8,588 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 409 4,401 SH   SOLE   4,401 0 0
EATON CORP PLC SHS G29183103 213 1,599 SH   SOLE   1,599 0 0
EXXON MOBIL CORP COM 30231G102 2,215 25,374 SH   SOLE   25,374 0 0
FORD MTR CO DEL COM 345370860 468 41,778 SH   SOLE   41,778 0 0
GALLAGHER ARTHUR J & CO COM 363576109 6,503 37,979 SH   SOLE   37,979 0 0
GENTEX CORP COM 371901109 2,517 105,588 SH   SOLE   104,548 0 1,040
GLOBAL PMTS INC COM 37940X102 2,466 22,823 SH   SOLE   22,478 0 345
GOLDMAN SACHS GROUP INC COM 38141G104 3,844 13,117 SH   SOLE   13,117 0 0
GXO LOGISTICS INCORPORATED COMMON STOCK 36262G101 465 13,259 SH   SOLE   13,259 0 0
HOME DEPOT INC COM 437076102 951 3,447 SH   SOLE   3,447 0 0
HONEYWELL INTL INC COM 438516106 306 1,831 SH   SOLE   1,831 0 0
HORMEL FOODS CORP COM 440452100 2,497 54,959 SH   SOLE   54,959 0 0
HP INC COM 40434L105 2,121 85,125 SH   SOLE   84,725 0 400
INTEL CORP COM 458140100 381 14,799 SH   SOLE   14,799 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 3,405 18,165 SH   SOLE   18,165 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,215 23,170 SH   SOLE   22,690 0 480
INVESCO QQQ TR UNIT SER 1 46090E103 5,021 18,785 SH   SOLE   18,450 0 335
ISHARES GOLD TR ISHARES NEW 464285204 6,732 213,516 SH   SOLE   211,575 0 1,941
ISHARES INC CORE MSCI EMKT 46434G103 4,724 109,904 SH   SOLE   108,694 0 1,210
ISHARES INC ESG AWR MSCI EM 46434G863 203 7,334 SH   SOLE   7,334 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 38,404 399,585 SH   SOLE   395,505 0 4,080
ISHARES TR 0-5YR HI YL CP 46434V407 4,870 121,926 SH   SOLE   121,926 0 0
ISHARES TR COHEN STEER REIT 464287564 1,492 27,801 SH   SOLE   27,621 0 180
ISHARES TR CORE HIGH DV ETF 46429B663 451 4,943 SH   SOLE   4,943 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,636 258,895 SH   SOLE   256,610 0 2,285
ISHARES TR CORE MSCI INTL 46435G326 1,967 40,719 SH   SOLE   40,719 0 0
ISHARES TR CORE S&P MCP ETF 464287507 84,360 384,747 SH   SOLE   381,105 0 3,642
ISHARES TR CORE S&P SCP ETF 464287804 53,972 619,019 SH   SOLE   613,576 0 5,443
ISHARES TR CORE S&P TTL STK 464287150 1,236 15,543 SH   SOLE   14,608 0 935
ISHARES TR CORE S&P500 ETF 464287200 228,809 637,972 SH   SOLE   631,138 0 6,834
ISHARES TR ESG AW MSCI EAFE 46435G516 475 8,470 SH   SOLE   8,470 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 18,879 793,566 SH   SOLE   779,479 0 14,087
ISHARES TR IBONDS 27 ETF 46435UAA9 22,989 999,503 SH   SOLE   983,325 0 16,178
ISHARES TR IBONDS DEC 46435U697 944 37,020 SH   SOLE   37,020 0 0
ISHARES TR IBONDS DEC 25 46435U432 632 24,395 SH   SOLE   24,395 0 0
ISHARES TR IBONDS DEC 26 46435U259 312 12,650 SH   SOLE   12,650 0 0
ISHARES TR IBONDS DEC 29 46436E205 13,957 640,531 SH   SOLE   632,434 0 8,097
ISHARES TR IBONDS DEC2022 46435G755 1,566 60,460 SH   SOLE   60,460 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,528 60,540 SH   SOLE   60,540 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 23,796 1,030,124 SH   SOLE   1,018,985 0 11,139
ISHARES TR IBONDS DEC22 ETF 46434VBA7 19,762 789,527 SH   SOLE   782,664 0 6,863
ISHARES TR IBONDS DEC23 ETF 46434VAX8 26,572 1,064,998 SH   SOLE   1,053,733 0 11,265
ISHARES TR IBONDS DEC24 ETF 46434VBG4 28,627 1,175,627 SH   SOLE   1,166,280 0 9,347
ISHARES TR IBONDS DEC25 ETF 46434VBD1 26,927 1,115,922 SH   SOLE   1,105,127 0 10,795
ISHARES TR MSCI EAFE ETF 464287465 3,473 61,998 SH   SOLE   61,998 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 349 10,017 SH   SOLE   10,017 0 0
ISHARES TR NATIONAL MUN ETF 464288414 259 2,524 SH   SOLE   2,524 0 0
ISHARES TR RUS 1000 ETF 464287622 24,059 121,924 SH   SOLE   119,104 0 2,820
ISHARES TR RUS 1000 GRW ETF 464287614 2,410 11,457 SH   SOLE   11,332 0 125
ISHARES TR RUS 1000 VAL ETF 464287598 930 6,839 SH   SOLE   6,639 0 200
ISHARES TR RUS 2000 GRW ETF 464287648 328 1,589 SH   SOLE   1,589 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 203 1,577 SH   SOLE   1,577 0 0
ISHARES TR RUS MID CAP ETF 464287499 17,964 289,038 SH   SOLE   286,748 0 2,290
ISHARES TR RUSSELL 2000 ETF 464287655 11,882 72,050 SH   SOLE   71,705 0 345
ISHARES TR S&P 500 GRWT ETF 464287309 544 9,407 SH   SOLE   9,407 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,815 14,121 SH   SOLE   13,696 0 425
ISHARES TR S&P MC 400GR ETF 464287606 428 6,793 SH   SOLE   6,793 0 0
ISHARES TR S&P MC 400VL ETF 464287705 408 4,535 SH   SOLE   4,535 0 0
ISHARES TR S&P SML 600 GWT 464287887 332 3,270 SH   SOLE   3,270 0 0
ISHARES TR SELECT DIVID ETF 464287168 270 2,521 SH   SOLE   2,521 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 495 4,823 SH   SOLE   4,823 0 0
ISHARES TR SP SMCP600VL ETF 464287879 211 2,555 SH   SOLE   2,555 0 0
ISHARES TR TIPS BD ETF 464287176 1,237 11,788 SH   SOLE   11,713 0 75
JOHNSON & JOHNSON COM 478160104 1,349 8,257 SH   SOLE   8,257 0 0
JPMORGAN CHASE & CO COM 46625H100 6,458 61,795 SH   SOLE   61,795 0 0
KEYCORP COM 493267108 1,615 100,802 SH   SOLE   97,642 0 3,160
KIMBERLY-CLARK CORP COM 494368103 225 2,003 SH   SOLE   2,003 0 0
KINDER MORGAN INC DEL COM 49456B101 1,663 99,942 SH   SOLE   99,882 0 60
KROGER CO COM 501044101 257 5,875 SH   SOLE   5,875 0 0
LENNOX INTL INC COM 526107107 1,745 7,835 SH   SOLE   7,835 0 0
LILLY ELI & CO COM 532457108 684 2,115 SH   SOLE   2,115 0 0
LINCOLN ELEC HLDGS INC COM 533900106 377 3,000 SH   SOLE   3,000 0 0
LOCKHEED MARTIN CORP COM 539830109 363 940 SH   SOLE   940 0 0
LOWES COS INC COM 548661107 7,666 40,820 SH   SOLE   40,820 0 0
MCDONALDS CORP COM 580135101 211 913 SH   SOLE   905 0 8
MERCK & CO INC COM 58933Y105 584 6,777 SH   SOLE   6,777 0 0
META PLATFORMS INC CL A 30303M102 3,350 24,689 SH   SOLE   24,689 0 0
MICROSOFT CORP COM 594918104 12,695 54,510 SH   SOLE   54,485 0 25
NEXTERA ENERGY INC COM 65339F101 221 2,819 SH   SOLE   2,819 0 0
NUCOR CORP COM 670346105 3,604 33,685 SH   SOLE   33,465 0 220
NVIDIA CORPORATION COM 67066G104 3,171 26,121 SH   SOLE   25,726 0 395
OAK STR HEALTH INC COM 67181A107 892 36,381 SH   SOLE   36,261 0 120
ORACLE CORP COM 68389X105 368 6,024 SH   SOLE   6,024 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 316 449 SH   SOLE   449 0 0
PAYCHEX INC COM 704326107 260 2,321 SH   SOLE   2,321 0 0
PEPSICO INC COM 713448108 679 4,161 SH   SOLE   4,161 0 0
PFIZER INC COM 717081103 745 17,020 SH   SOLE   17,020 0 0
PHILIP MORRIS INTL INC COM 718172109 282 3,398 SH   SOLE   3,398 0 0
PROCTER AND GAMBLE CO COM 742718109 4,267 33,795 SH   SOLE   33,795 0 0
PROGRESSIVE CORP COM 743315103 1,183 10,183 SH   SOLE   10,183 0 0
PROLOGIS INC. COM 74340W103 3,104 30,548 SH   SOLE   30,348 0 200
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,292 27,995 SH   SOLE   27,995 0 0
ROCKWELL MED INC COM NEW 774374300 17 12,927 SH   SOLE   12,927 0 0
ROPER TECHNOLOGIES INC COM 776696106 5,157 14,339 SH   SOLE   14,259 0 80
SCHWAB CHARLES CORP COM 808513105 257 3,574 SH   SOLE   3,574 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 259 11,543 SH   SOLE   11,543 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 657 23,358 SH   SOLE   23,358 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,426 33,962 SH   SOLE   33,942 0 20
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 485 7,298 SH   SOLE   7,298 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,295 54,186 SH   SOLE   54,186 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 732 12,087 SH   SOLE   12,087 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 602 15,919 SH   SOLE   15,525 0 394
SELECT SECTOR SPDR TR ENERGY 81369Y506 3,544 49,204 SH   SOLE   49,204 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 989 32,576 SH   SOLE   32,576 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 455 3,761 SH   SOLE   3,761 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 665 5,602 SH   SOLE   5,602 0 0
SIRIUS XM HOLDINGS INC COM 82968B103 100 17,438 SH   SOLE   17,438 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,015 23,626 SH   SOLE   23,626 0 0
SNAP ON INC COM 833034101 3,536 17,559 SH   SOLE   17,479 0 80
SNOWFLAKE INC CL A 833445109 2,399 14,116 SH   SOLE   14,051 0 65
SONOS INC COM 83570H108 144 10,350 SH   SOLE   10,350 0 0
SOUTHERN CO COM 842587107 340 5,007 SH   SOLE   5,007 0 0
SPDR GOLD TR GOLD SHS 78463V107 269 1,740 SH   SOLE   1,740 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,611 18,509 SH   SOLE   18,459 0 50
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 964 2,400 SH   SOLE   2,400 0 0
SPDR SER TR BLOOMBERG SHT TE 78468R408 34,754 1,461,492 SH   SOLE   1,448,572 0 12,920
SPDR SER TR S&P METALS MNG 78464A755 277 6,530 SH   SOLE   6,530 0 0
STARBUCKS CORP COM 855244109 255 3,023 SH   SOLE   3,023 0 0
STRYKER CORPORATION COM 863667101 8,665 42,782 SH   SOLE   42,507 0 275
SYNOPSYS INC COM 871607107 9,493 31,074 SH   SOLE   31,074 0 0
TARGET CORP COM 87612E106 459 3,092 SH   SOLE   3,092 0 0
TE CONNECTIVITY LTD SHS H84989104 208 1,883 SH   SOLE   1,883 0 0
TESLA INC COM 88160R101 1,706 6,430 SH   SOLE   6,430 0 0
TIMOTHY PLAN HIG DV STK ETF 887432326 406 14,500 SH   SOLE   14,500 0 0
TJX COS INC NEW COM 872540109 4,967 79,963 SH   SOLE   79,963 0 0
UNITED PARCEL SERVICE INC CL B 911312106 9,800 60,669 SH   SOLE   60,669 0 0
UNITED RENTALS INC COM 911363109 3,348 12,393 SH   SOLE   12,318 0 75
UNITEDHEALTH GROUP INC COM 91324P102 8,041 15,921 SH   SOLE   15,836 0 85
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 229 1,800 SH   SOLE   1,800 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 245 1,145 SH   SOLE   1,145 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 989 5,260 SH   SOLE   5,260 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,197 39,876 SH   SOLE   39,536 0 340
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,861 8,715 SH   SOLE   8,702 0 13
VANGUARD INDEX FDS SMALL CP ETF 922908751 800 4,683 SH   SOLE   4,683 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 297 1,523 SH   SOLE   1,523 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 15,966 88,963 SH   SOLE   88,963 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 17,042 138,015 SH   SOLE   136,155 0 1,860
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 26,053 713,968 SH   SOLE   708,088 0 5,880
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 729 15,138 SH   SOLE   15,138 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,556 139,485 SH   SOLE   138,620 0 865
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,299 259,817 SH   SOLE   258,577 0 1,240
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 66,711 1,834,740 SH   SOLE   1,820,175 0 14,565
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,828 114,128 SH   SOLE   113,868 0 260
VERIZON COMMUNICATIONS INC COM 92343V104 286 7,522 SH   SOLE   7,522 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 371 1,282 SH   SOLE   1,282 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 1,770 153,885 SH   SOLE   153,885 0 0
WASTE MGMT INC DEL COM 94106L109 229 1,431 SH   SOLE   1,431 0 0
XPO LOGISTICS INC COM 983793100 590 13,259 SH   SOLE   13,259 0 0
ZOOMINFO TECHNOLOGIES INC COMMON STOCK 98980F104 1,527 36,654 SH   SOLE   36,654 0 0