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
A T & T Corp COM 00206R102 663 17,534 SH   SOLE   0 0 17,534
Alliant Energy Corp COM 018802108 504 9,338 SH   SOLE   0 0 9,338
Amer Electric Pwr Co Inc COM 025537101 276 2,948 SH   SOLE   0 0 2,948
Apple Inc COM 037833100 487 2,176 SH   SOLE   0 0 2,176
Associated Banc Corp COM 045487105 2,476 122,256 SH   SOLE   0 0 122,256
Auto Data Processing COM 053015103 296 1,835 SH   SOLE   0 0 1,835
Cantel Medical Corp COM 138098108 357 4,767 SH   SOLE   0 0 4,767
Carlisle Co COM 142339100 301 2,067 SH   SOLE   0 0 2,067
Coca Cola Company COM 191216100 210 3,859 SH   SOLE   0 0 3,859
Comerica Incorporated COM DISNEY 200340107 1,054 15,968 SH   SOLE   0 0 15,968
Disney Walt Hldg Co COM 254687106 211 1,618 SH   SOLE   0 0 1,618
Fidelity Natl Info Svcs TOTAL BD ETF 31620M106 253 1,903 SH   SOLE   0 0 1,903
Fidelity Total Bond ETF COM 316188309 12,053 233,126 SH   SOLE   0 0 233,126
Fifth Third Bancorp COM 316773100 328 11,974 SH   SOLE   0 0 11,974
First Defiance Finl 0050 SHS 32006W106 205 7,092 SH   SOLE   0 0 7,092
First Trust Value Line Dividen COM RESTRC NEW 33734H106 797 22,855 SH   SOLE   0 0 22,855
Fundamental 1000 FTSE RAFI 1000 46137V613 1,094 9,278 SH   SOLE   0 0 9,278
Heska Corp New COM 42805E108 235 3,320 SH   SOLE   0 0 3,320
Honeywell International COM 438516106 424 2,508 SH   SOLE   0 0 2,508
Huntington Bancshs BULSHS 2020 HY 446150104 1,610 112,816 SH   SOLE   0 0 112,816
Invesco Bulletshares BULSHS 2021 HY 46138J601 474 19,253 SH   SOLE   0 0 19,253
Invesco Bulletshares BULSHS 2022 HY 46138J809 466 19,471 SH   SOLE   0 0 19,471
Invesco Bulletshares FTSE RAFI DEV 46138J874 412 16,923 SH   SOLE   0 0 16,923
Invesco FTSE RAFI Dvlpd Mkts S&P INTL LOW 46138E743 3,451 87,031 SH   SOLE   0 0 87,031
Invesco Intl Developed Low Vol S&P MDCP400 PR 46138E230 3,107 90,945 SH   SOLE   0 0 90,945
Invesco MC Pure Growth S&P500 PUR GWT 46137V217 2,415 17,084 SH   SOLE   0 0 17,084
Invesco S&P 500 Pure Growth S&P500 PUR VAL 46137V266 13,631 115,094 SH   SOLE   0 0 115,094
Invesco S&P 500 Pure Value S&P SML600 GWT 46137V258 14,782 227,974 SH   SOLE   0 0 227,974
Invesco SC Pure Growth CORE MSCI EMKT 46137V175 4,362 40,895 SH   SOLE   0 0 40,895
iShares Core Aggressive Allocation ETF AGGRES ALLOC ETF 464289859 1,309 23,831 SH   SOLE   0 0 23,831
Ishares Core Msci MIN VOL EMRG MKT 46434G103 846 17,255 SH   SOLE   0 0 17,255
iShares Core US Agg Bond ETF CORE US AGGBD ET 464287226 13,704 121,092 SH   SOLE   0 0 121,092
iShares Emerging Markets IBONDS DEC20 ETF 464286533 6,291 110,200 SH   SOLE   0 0 110,200
I-shares ibond 2020 IBONDS DEC21 ETF 46434VAQ3 347 13,690 SH   SOLE   0 0 13,690
I-shares ibond 2021 IBONDS DEC22 ETF 46434VBK5 352 14,096 SH   SOLE   0 0 14,096
Ishares Ibonds Dec 2022 EAFE GRWTH ETF 46434VBA7 422 16,664 SH   SOLE   0 0 16,664
iShares MSCI EAFE Growth EAFE SML CP ETF 464288885 6,748 83,821 SH   SOLE   0 0 83,821
iShares MSCI EAFE Small-Cap RUS 2000 VAL ETF 464288273 8,180 142,931 SH   SOLE   0 0 142,931
iShares Russell 2000 Value RUSSELL 3000 ETF 464287630 1,582 13,248 SH   SOLE   0 0 13,248
iShares Russell 3000 CORE S&P500 ETF 464287689 240 1,382 SH   SOLE   0 0 1,382
iShares S&P 500 AGGRES ALLOC ETF 464287200 299 1,000 SH   SOLE   0 0 1,000
J P Morgan Chase & Co COM 018802108 1,814 15,414 SH   SOLE   0 0 15,414
Johnson & Johnson COM 478160104 432 3,341 SH   SOLE   0 0 3,341
Keycorp Inc New COM 493267108 346 19,391 SH   SOLE   0 0 19,391
Magna Intl Inc Cl A Vtgf CL A 559222401 221 4,140 SH   SOLE   0 0 4,140
Marriott Intl Inc Cl A CL A NEW 571903202 554 4,455 SH   SOLE   0 0 4,455
Mercantile Bank Corp COM 58734F305 847 25,834 SH   SOLE   0 0 25,834
Microsoft Corp COM 594918104 340 2,447 SH   SOLE   0 0 2,447
Minnesota Mining & Mfg SHS 88579Y101 204 1,240 SH   SOLE   0 0 1,240
Nasdaq 100 Equal Weight COM 337344105 2,997 45,174 SH   SOLE   0 0 45,174
Parker-Hannifin Corp COM 701094104 256 1,416 SH   SOLE   0 0 1,416
Pepsico Incorporated COM 713448108 2,798 20,406 SH   SOLE   0 0 20,406
Procter & Gamble Co S&P MC 400VL ETF 742718109 630 5,062 SH   SOLE   0 0 5,062
S P D R TRUST Unit SR TR UNIT 78462F103 228 769 SH   SOLE   0 0 769
S&P Midcap I Fund SCHWB FDT INT SC 808524748 1,392 7,203 SH   SOLE   0 0 7,203
S&P Midcap I Value SCHWAB FDT US LG 464287705 1,858 11,622 SH   SOLE   0 0 11,622
Schwab Fundamental Intl INTL SCEQT ETF 808524748 3,101 100,914 SH   SOLE   0 0 100,914
Schwab Fundamental US COM 808524771 2,701 68,281 SH   SOLE   0 0 68,281
Schwab Internatnal Small FTSE RAFI 1500 808524888 1,613 50,734 SH   SOLE   0 0 50,734
Sherwin Williams Co DJ GLB RL ES ETF 824348106 422 768 SH   SOLE   0 0 768
Small & MidCap Fund S&P 400 MDCP GRW 46137V597 1,440 11,348 SH   SOLE   0 0 11,348
Spdr DJ Global Real Estate S&P 600 SMCP GRW 78463X749 1,150 22,179 SH   SOLE   0 0 22,179
Spdr S&P 400 Mid Cap COM 78464A821 3,985 74,177 SH   SOLE   0 0 74,177
Spdr S&P 600 Small Cap COM 78464A201 746 12,515 SH   SOLE   0 0 12,515
T C F Finl Corp COM 163731102 365 9,593 SH   SOLE   0 0 9,593
Tricon Global Restr Inc MCAP VL IDXVIP 988498101 817 7,205 SH   SOLE   0 0 7,205
United Technologies Corp SM CP VAL ETF 913017109 1,131 8,285 SH   SOLE   0 0 8,285
Vanguard Mid Cap Value TOTAL STK MKT 922908512 8,346 73,856 SH   SOLE   0 0 73,856
Vanguard SC Value COM 922908611 6,035 46,838 SH   SOLE   0 0 46,838
Vanguard Total Stock INTL EQUITY FD 922908769 1,940 12,848 SH   SOLE   0 0 12,848
Verizon Communications COM 92343V104 223 3,687 SH   SOLE   0 0 3,687
Wells Fargo & Co New INTL SMCAP DIV 949746101 1,195 23,697 SH   SOLE   0 0 23,697
Wisdomtree LC Value COM 97717W703 8,373 168,397 SH   SOLE   0 0 168,397
Wisdomtree SC Value CL A 97717W760 6,809 107,190 SH   SOLE   0 0 107,190
Yum China Holdings I COM 98850P109 324 7,131 SH   SOLE   0 0 7,131