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
ISHARES TR MSCI EMG MKT ETF 464287234 1,981 58,046 SH   SOLE 0 0 0 58,046
SPDR SER TR PORTFOLIO S&P600 78468R853 2,625 120,189 SH   SOLE 0 0 0 120,189
ISHARES TR RUS 1000 GRW ETF 464287614 229 1,522 SH   SOLE 0 0 0 1,522
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 6,256 122,669 SH   SOLE 0 0 0 122,669
SPDR SER TR S&P 400 MDCP VAL 78464A839 4,499 127,597 SH   SOLE 0 0 0 127,597
MICROSOFT CORP COM 594918104 763 4,835 SH   SOLE 0 0 0 4,835
EXXON MOBIL CORP COM 30231G102 218 5,734 SH   SOLE 0 0 0 5,734
ISHARES TR ESG MSCI USA ETF 46435G425 215 3,732 SH   SOLE 0 0 0 3,732
ISHARES TR USA QUALITY FCTR 46432F339 13,415 165,530 SH   SOLE 0 0 0 165,530
VANGUARD INDEX FDS TOTAL STK MKT 922908769 209 1,622 SH   SOLE 0 0 0 1,622
ISHARES TR GLOBAL REIT ETF 46434V647 2,504 130,752 SH   SOLE 0 0 0 130,752
SPDR SER TR S&P 600 SMCP GRW 78464A201 1,522 32,968 SH   SOLE 0 0 0 32,968
ISHARES TR CORE S&P500 ETF 464287200 1,325 5,127 SH   SOLE 0 0 0 5,127
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 12,586 525,737 SH   SOLE 0 0 0 525,737
INVESCO EXCHANGE-TRADED FD T S&P MIDCP LOW 46138E198 284 7,123 SH   SOLE 0 0 0 7,123
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 217 1,189 SH   SOLE 0 0 0 1,189
AURORA CANNABIS INC COM 05156X108 14 15,110 SH   SOLE 0 0 0 15,110
SPDR SER TR PRTFLO S&P500 GW 78464A409 8,606 240,790 SH   SOLE 0 0 0 240,790
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 744 22,324 SH   SOLE 0 0 0 22,324
ISHARES TR MIN VOL EAFE ETF 46429B689 2,759 44,461 SH   SOLE 0 0 0 44,461
ISHARES TR CORE S&P SCP ETF 464287804 2,128 37,933 SH   SOLE 0 0 0 37,933
CREDIT ACCEP CORP MICH COM 225310101 537 2,100 SH   SOLE 0 0 0 2,100
AMAZON COM INC COM 023135106 636 326 SH   SOLE 0 0 0 326
ROCKWELL AUTOMATION INC COM 773903109 272 1,805 SH   SOLE 0 0 0 1,805
VANGUARD INDEX FDS GROWTH ETF 922908736 5,262 33,580 SH   SOLE 0 0 0 33,580
VISA INC COM CL A 92826C839 242 1,502 SH   SOLE 0 0 0 1,502
ISHARES TR USA MOMENTUM FCT 46432F396 5,831 54,762 SH   SOLE 0 0 0 54,762
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 682 6,596 SH   SOLE 0 0 0 6,596
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 262 3,758 SH   SOLE 0 0 0 3,758
VANGUARD INDEX FDS VALUE ETF 922908744 1,186 13,321 SH   SOLE 0 0 0 13,321
SPDR SER TR BLMBRG BRC CNVRT 78464A359 303 6,339 SH   SOLE 0 0 0 6,339
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 7,367 136,247 SH   SOLE 0 0 0 136,247
ISHARES TR CORE S&P US VLU 464287663 394 8,535 SH   SOLE 0 0 0 8,535
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,522 37,261 SH   SOLE 0 0 0 37,261
ISHARES TR CRE U S REIT ETF 464288521 6,799 173,586 SH   SOLE 0 0 0 173,586
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,363 10,761 SH   SOLE 0 0 0 10,761
VANGUARD INDEX FDS SML CP GRW ETF 922908595 690 4,590 SH   SOLE 0 0 0 4,590
VANGUARD INDEX FDS MID CAP ETF 922908629 2,243 17,038 SH   SOLE 0 0 0 17,038
VANGUARD INDEX FDS SM CP VAL ETF 922908611 208 2,337 SH   SOLE 0 0 0 2,337
SPDR SER TR S&P 400 MDCP GRW 78464A821 2,350 54,877 SH   SOLE 0 0 0 54,877
SPDR SER TR PRTFLO S&P500 VL 78464A508 8,032 310,826 SH   SOLE 0 0 0 310,826
FORD MTR CO DEL COM 345370860 54 11,142 SH   SOLE 0 0 0 11,142
ISHARES TR GLB INFRASTR ETF 464288372 250 7,325 SH   SOLE 0 0 0 7,325
JOHN HANCOCK ETF TRUST MULTIFACTOR MI 47804J206 630 22,165 SH   SOLE 0 0 0 22,165
ISHARES TR RUS 1000 VAL ETF 464287598 327 3,299 SH   SOLE 0 0 0 3,299
SPDR SER TR PORTFOLIO S&P500 78464A854 2,925 96,695 SH   SOLE 0 0 0 96,695
ISHARES TR 0-5YR HI YL CP 46434V407 342 8,371 SH   SOLE 0 0 0 8,371
SPDR SER TR PORTFLI TIPS ETF 78464A656 3,355 115,518 SH   SOLE 0 0 0 115,518
ISHARES TR NATIONAL MUN ETF 464288414 4,033 35,690 SH   SOLE 0 0 0 35,690
NORFOLK SOUTHERN CORP COM 655844108 271 1,853 SH   SOLE 0 0 0 1,853
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,353 293,517 SH   SOLE 0 0 0 293,517
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 761 15,084 SH   SOLE 0 0 0 15,084
SPDR S&P 500 ETF TR TR UNIT 78462F103 498 1,933 SH   SOLE 0 0 0 1,933
APPLE INC COM 037833100 1,246 4,899 SH   SOLE 0 0 0 4,899
AT&T INC COM 00206R102 257 8,805 SH   SOLE 0 0 0 8,805
SPDR SER TR PORTFOLIO S&P400 78464A847 2,199 86,817 SH   SOLE 0 0 0 86,817
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,254 13,739 SH   SOLE 0 0 0 13,739
ISHARES TR CORE MSCI EAFE 46432F842 1,532 30,702 SH   SOLE 0 0 0 30,702
ISHARES TR CORE S&P MCP ETF 464287507 1,916 13,318 SH   SOLE 0 0 0 13,318
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 415 5,106 SH   SOLE 0 0 0 5,106
SPDR SER TR PORTFOLIO AGRGTE 78464A649 5,500 181,982 SH   SOLE 0 0 0 181,982
FIDELITY NATL INFORMATION SV COM 31620M106 735 6,044 SH   SOLE 0 0 0 6,044
ISHARES TR MSCI EAFE ETF 464287465 3,849 71,993 SH   SOLE 0 0 0 71,993