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
3M COMPANY COM 88579Y101 229 1,429 SH   SOLE   0 0 1,429
ALIGN TECHNOLOGY COM 016255101 210 641 SH   SOLE   0 0 641
ALPHABET INC CAP STK CL C 02079K107 454 309 SH   SOLE   0 0 309
ALPHABET INC CAP STK CL A 02079K305 468 319 SH   SOLE   0 0 319
ALTRIA GROUP COM 02209S103 568 14,698 SH   SOLE   0 0 14,698
AMAZON COM COM 023135106 4,763 1,506 SH   SOLE   0 0 1,506
AMGEN INC COM 031162100 261 1,027 SH   SOLE   0 0 1,027
ANNALY CAPITAL COM 035710409 157 22,081 SH   SOLE   0 0 22,081
APPLE INC COM 037833100 6,654 57,421 SH   SOLE   0 0 57,421
AT&T INC COM 00206R102 398 13,964 SH   SOLE   0 0 13,964
BERKSHIRE HATHAWAY CL A 084670108 640 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 4,966 23,289 SH   SOLE   0 0 23,289
CATERPILLAR INC COM 149123101 324 2,170 SH   SOLE   0 0 2,170
DANAHER CORP COM 235851102 366 1,701 SH   SOLE   0 0 1,701
EATON CORP SHS G29183103 447 4,382 SH   SOLE   0 0 4,382
ELI LILLY COM 532457108 272 1,836 SH   SOLE   0 0 1,836
EXXON MOBIL COM 30231G102 228 6,641 SH   SOLE   0 0 6,641
FORD MOTOR COM 345370860 136 20,452 SH   SOLE   0 0 20,452
GENERAL MILLS COM 370334104 352 5,703 SH   SOLE   0 0 5,703
GENTEX CORP COM 371901109 221 8,568 SH   SOLE   0 0 8,568
HOME DEPOT COM 437076102 417 1,503 SH   SOLE   0 0 1,503
INTEL CORP COM 458140100 323 6,243 SH   SOLE   0 0 6,243
INTL BUSINESS COM 459200101 341 2,805 SH   SOLE   0 0 2,805
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 3,027 34,994 SH   SOLE   0 0 34,994
ISHARES CORE CORE S&P MCP ETF 464287507 434 2,341 SH   SOLE   0 0 2,341
ISHARES CORE CORE S&P SCP ETF 464287804 542 7,715 SH   SOLE   0 0 7,715
ISHARES CORE CORE S&P TTL STK 464287150 15,304 201,441 SH   SOLE   0 0 201,441
ISHARES CORE CORE S&P500 ETF 464287200 1,977 5,884 SH   SOLE   0 0 5,884
ISHARES GOLD ISHARES 464285105 26,760 1,484,115 SH   SOLE   0 0 1,484,115
ISHARES MSCI MSCI EAFE ETF 464287465 653 10,257 SH   SOLE   0 0 10,257
ISHARES MSCI EAFE VALUE ETF 464288877 4,535 112,052 SH   SOLE   0 0 112,052
ISHARES NATIONAL NATIONAL MUN 464288414 1,484 12,804 SH   SOLE   0 0 12,804
ISHARES RUSS RUS MDCP VAL ETF 464287473 471 5,826 SH   SOLE   0 0 5,826
ISHARES RUSSELL RUS 1000 ETF 464287622 1,182 6,314 SH   SOLE   0 0 6,314
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 17,793 178,629 SH   SOLE   0 0 178,629
ISHARES RUSSELL RUS MID CAP ETF 464287499 280 4,873 SH   SOLE   0 0 4,873
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2,094 10,701 SH   SOLE   0 0 10,701
ISHARES S&P SP SMCP600VL ETF 464287879 925 7,553 SH   SOLE   0 0 7,553
ISHARES S&P S&P 500 VAL ETF 464287408 510 4,449 SH   SOLE   0 0 4,449
ISHARES S&P S&P 500 GRWT ETF 464287309 228 986 SH   SOLE   0 0 986
ISHARES SELECT SELECT DIVID ETF 464287168 1,612 19,775 SH   SOLE   0 0 19,775
ISHARES TIPS TIPS BD ETF 464287176 11,471 90,688 SH   SOLE   0 0 90,688
JOHNSON & JOHNSON COM 478160104 549 3,688 SH   SOLE   0 0 3,688
KELLOGG CO COM 487836108 729 11,294 SH   SOLE   0 0 11,294
KIMBERLY CLARK COM 494368103 608 4,118 SH   SOLE   0 0 4,118
LCI INDS COM 50189K103 1,416 13,322 SH   SOLE   0 0 13,322
LEVEL ONE COM 52730D208 289 18,500 SH   SOLE   0 0 18,500
LINDE PLC COM G5494J103 501 2,103 SH   SOLE   0 0 2,103
MCDONALDS CORP COM 580135101 281 1,279 SH   SOLE   0 0 1,279
MERCK & COMPANY COM 58933Y105 330 3,982 SH   SOLE   0 0 3,982
MICROSOFT CORP COM 594918104 2,028 9,603 SH   SOLE   0 0 9,603
MONDELEZ INTERNATIONAL CL A 609207105 537 9,353 SH   SOLE   0 0 9,353
NETFLIX INC COM 64110L106 625 1,249 SH   SOLE   0 0 1,249
PARKER-HANNIFIN CORP COM 701094104 220 1,089 SH   SOLE   0 0 1,089
PEPSICO INC COM 713448108 749 5,406 SH   SOLE   0 0 5,406
PFIZER INC COM 717081103 771 21,006 SH   SOLE   0 0 21,006
PHILIP MORRIS COM 718172109 879 11,719 SH   SOLE   0 0 11,719
PROCTER & GAMBLE COM 742718109 1,936 13,928 SH   SOLE   0 0 13,928
QUEST DIAGNOSTICS COM 74834L100 461 4,027 SH   SOLE   0 0 4,027
R1 RCM COM 749397105 204 11,900 SH   SOLE   0 0 11,900
SCHWAB AGGREGATE US AGGREGATE B 808524839 767 13,679 SH   SOLE   0 0 13,679
SCHWAB INTL INTL EQTY ETF 808524805 294 9,373 SH   SOLE   0 0 9,373
SCHWAB US US BRD MKT ETF 808524102 3,028 37,348 SH   SOLE   0 0 37,348
SCHWAB US US TIPS ETF 808524870 572 9,287 SH   SOLE   0 0 9,287
SHYFT GROUP COM 825698103 1,234 65,376 SH   SOLE   0 0 65,376
SMILEDIRECTCLUB INC CL A COM 83192H106 311 26,600 SH   SOLE   0 0 26,600
SPDR DOW UT SER 1 78467X109 312 1,123 SH   SOLE   0 0 1,123
SPDR GOLD GOLD SHS 78463V107 336 1,899 SH   SOLE   0 0 1,899
SPDR S&P TR UNIT 78462F103 3,950 11,734 SH   SOLE   0 0 11,734
STARBUCKS CORP COM 855244109 276 3,207 SH   SOLE   0 0 3,207
STEELCASE INC CL A 858155203 304 30,031 SH   SOLE   0 0 30,031
STRYKER CORP COM 863667101 11,956 57,377 SH   SOLE   0 0 57,377
TESLA INC COM 88160R101 400 933 SH   SOLE   0 0 933
VANGUARD DIVIDEND DIV APP ETF 921908844 1,319 10,170 SH   SOLE   0 0 10,170
VANGUARD FSTE FTSE EMR MKT ETF 922042858 5,180 119,575 SH   SOLE   0 0 119,575
VANGUARD FTSE FTSE DEV MKT ETF 921943858 979 23,732 SH   SOLE   0 0 23,732
VANGUARD FTSE FTSE SMCAP ETF 922042718 689 6,467 SH   SOLE   0 0 6,467
VANGUARD GROWTH GROWTH ETF 922908736 514 2,257 SH   SOLE   0 0 2,257
VANGUARD INFORMATION INF TECH ETF 92204A702 545 1,751 SH   SOLE   0 0 1,751
VANGUARD MID MID CAP ETF 922908629 795 4,512 SH   SOLE   0 0 4,512
VANGUARD MID MCAP VL IDXVIP 922908512 261 2,579 SH   SOLE   0 0 2,579
VANGUARD REAL REAL ESTATE ETF 922908553 1,898 23,906 SH   SOLE   0 0 23,906
VANGUARD S&P S&P 500 ETF SHS 922908363 8,999 29,109 SH   SOLE   0 0 29,109
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 258 2,640 SH   SOLE   0 0 2,640
VANGUARD SHORT SHORT TRM BOND 921937827 942 11,358 SH   SOLE   0 0 11,358
VANGUARD SHORT SHORT TERM TREAS 92206C102 274 4,416 SH   SOLE   0 0 4,416
VANGUARD SMALL SM CP VAL ETF 922908611 29,429 264,418 SH   SOLE   0 0 264,418
VANGUARD TOTAL TOTAL BND MRKT 921937835 2,730 30,996 SH   SOLE   0 0 30,996
VANGUARD TOTAL INTL BD IDX ETF 92203J407 241 4,135 SH   SOLE   0 0 4,135
VANGUARD TOTAL TT WRLD ST ETF 922042742 9,329 115,349 SH   SOLE   0 0 115,349
VANGUARD TOTAL TOTAL STK MKT 922908769 55,068 322,540 SH   SOLE   0 0 322,540
VANGUARD TOTAL VG TL INTL STK F 921909768 2,242 42,626 SH   SOLE   0 0 42,626
VANGUARD VALUE VALUE ETF 922908744 2,476 23,687 SH   SOLE   0 0 23,687
VISA INC COM CL A 92826C839 532 2,661 SH   SOLE   0 0 2,661
WALMART INC COM 931142103 258 1,841 SH   SOLE   0 0 1,841
WALT DISNEY COM DISNEY 254687106 202 1,630 SH   SOLE   0 0 1,630
ZOETIS INC CL A 98978V103 978 5,914 SH   SOLE   0 0 5,914