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 1,630 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