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 1,356 47,509 SH   SOLE   30,594 0 16,915
Abbott Labs COM 002824100 1,720 23,780 SH   SOLE   13,330 0 10,450
Alphabet, Inc - Cl A COM 02079K305 2,113 2,022 SH   SOLE   1,318 0 704
Alphabet, Inc - Cl C COM 02079K107 1,637 1,581 SH   SOLE   928 0 653
Altria Group COM 02209S103 1,331 26,955 SH   SOLE   16,873 0 10,082
Apple Inc COM 037833100 2,311 14,651 SH   SOLE   9,246 0 5,405
Becton Dickinson & Co COM 075887109 2,418 10,731 SH   SOLE   6,946 0 3,785
Chevron Corp COM 166764100 2,232 20,514 SH   SOLE   13,349 0 7,165
Colgate-Palmolive COM 194162103 955 16,048 SH   SOLE   12,908 0 3,140
Comcast Corp Cl A COM 20030N101 1,697 49,838 SH   SOLE   29,476 0 20,362
FedEx Corp COM 31428X106 1,495 9,264 SH   SOLE   6,089 0 3,175
Gentex Corp. COM 371901109 1,821 90,115 SH   SOLE   59,510 0 30,605
Honeywell Int'l COM 438516106 1,988 15,049 SH   SOLE   9,635 0 5,414
Intercontinental Exchange Grou COM 45866F104 2,474 32,848 SH   SOLE   21,238 0 11,610
Johnson & Johnson COM 478160104 1,378 10,681 SH   SOLE   5,540 0 5,141
MGIC Investment COM 552848103 113 10,769 SH   SOLE   10,769 0 0
MetLife Inc COM 59156R108 1,442 35,125 SH   SOLE   22,965 0 12,160
SPDR S&P Biotech ETF COM 78464A870 1,911 26,630 SH   SOLE   17,205 0 9,425
SPDR S&P Oil & Gas Exploration COM 78464A730 1,773 66,820 SH   SOLE   44,125 0 22,695
SPDR S&P Regional Banking ETF COM 78464A698 2,039 43,575 SH   SOLE   27,260 0 16,315
SPDR Sector - Consumer Discret COM 81369Y407 2,662 26,882 SH   SOLE   17,243 0 9,639
SPDR Sector - Consumer Staples COM 81369y308 2,035 40,067 SH   SOLE   25,957 0 14,110
SPDR Sector - Energy ETF COM 81369y506 1,869 32,582 SH   SOLE   21,732 0 10,850
SPDR Sector - Financial ETF COM 81369Y605 1,956 82,123 SH   SOLE   53,532 0 28,591
SPDR Sector - Healthcare ETF COM 81369y209 3,158 36,505 SH   SOLE   24,635 0 11,870
SPDR Sector - Industrial ETF COM 81369y704 235 3,653 SH   SOLE   1,375 0 2,278
SPDR Sector - Materials ETF COM 81369y100 2,011 39,810 SH   SOLE   24,570 0 15,240
SPDR Sector - Technology ETF COM 81369y803 5,297 85,461 SH   SOLE   52,145 0 33,316
SPDR Sector - Utilities ETF COM 81369y886 934 17,646 SH   SOLE   11,085 0 6,561
SPDR Sector Real Estate ETF COM 81369Y860 354 11,430 SH   SOLE   5,894 0 5,536
United Parcel Service Inc Cl B COM 911312106 1,674 17,161 SH   SOLE   11,043 0 6,118
Vanguard Information Technolog COM 92204A702 245 1,470 SH   SOLE   1,470 0 0
Visa, Inc. COM 92826C839 2,812 21,313 SH   SOLE   13,215 0 8,098
Invesco S&P 500 Equal Weight E FD ETF 46137v357 233 2,554 SH   SOLE   2,082 0 472
SPDR S&P 500 ETF FD ETF 78462f103 4,081 16,329 SH   SOLE   11,886 0 4,443
Schwab US Large Cap Growth ETF FD ETF 808524300 540 7,834 SH   SOLE   7,468 0 366
Schwab US Large Cap Value ETF FD ETF 808524409 431 8,739 SH   SOLE   8,433 0 306
Schwab US Mid-Cap ETF FD ETF 808524508 451 9,409 SH   SOLE   9,409 0 0
Vanguard Emerging Market ETF FD ETF 922042858 2,553 66,998 SH   SOLE   49,200 0 17,798
Vanguard Total Int'l Stock Ind FD ETF 921909768 471 9,978 SH   SOLE   7,249 0 2,729
Vanguard U.S. Total Stock Mark FD ETF 922908769 2,287 17,917 SH   SOLE   17,917 0 0
iShares MSCI Pacific ex-Japan FD ETF 464286665 1,876 46,098 SH   SOLE   31,293 0 14,805
Invesco Senior Loan ETF FD ETF 46138g508 3,044 139,761 SH   SOLE   106,149 0 33,612
PIMCO Enhanced Short Maturity FD ETF 72201R833 3,754 37,188 SH   SOLE   29,519 0 7,669
SPDR Barclays Convertible Secu FD ETF 78464A359 324 6,928 SH   SOLE   4,522 0 2,406
SPDR Portfolio Short Term Corp FD ETF 78464A474 2,649 87,899 SH   SOLE   81,529 0 6,370
Schwab U.S. Aggregate Bond ETF FD ETF 808524839 368 7,282 SH   SOLE   6,955 0 327
Schwab U.S. TIPS ETF FD ETF 808524870 2,421 45,464 SH   SOLE   35,141 0 10,323
Vanguard Intermediate Term Cor FD ETF 92206c870 3,617 43,649 SH   SOLE   33,425 0 10,224
Vanguard Mortgage-Backed Secur FD ETF 92206C771 4,041 78,472 SH   SOLE   58,815 0 19,657
Vanguard Short Term Corp Bond FD ETF 92206c409 5,929 76,075 SH   SOLE   55,957 0 20,118
Vanguard Total Bond Market ETF FD ETF 921937835 4,547 57,402 SH   SOLE   38,244 0 19,158
iShares Barclays 1-3 Treasury FD ETF 464287457 1,018 12,179 SH   SOLE   10,150 0 2,029
iShares Core Total US Bond Mar FD ETF 464287226 253 2,375 SH   SOLE   1,825 0 550
iShares Floating Rate Bond ETF FD ETF 46429B655 1,640 32,575 SH   SOLE   25,813 0 6,762
iShares Interm Corporate Bond FD ETF 464288638 964 18,384 SH   SOLE   15,462 0 2,922
iShares Intermediate Gov/Credi FD ETF 464288612 3,629 33,533 SH   SOLE   27,505 0 6,028
iShares Short-Term Corporate B FD ETF 464288646 3,973 76,941 SH   SOLE   53,361 0 23,580
iShares US Treasury Bond ETF FD ETF 46429B267 1,658 67,274 SH   SOLE   58,003 0 9,271
SPDR Nuveen Barclay's Short-Te FD ETF 78468R739 584 12,145 SH   SOLE   5,420 0 6,725
SPDR Nuveen S&P High Yld Muni FD ETF 78464A284 671 11,968 SH   SOLE   9,835 0 2,133