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
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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
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