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 257 1,333 SH   SOLE   0 0 1,333
ALIGN TECHNOLOGY COM 016255101 347 641 SH   SOLE   0 0 641
ALPHABET INC CAP STK CL C 02079K107 726 351 SH   SOLE   0 0 351
ALPHABET INC CAP STK CL A 02079K305 1,224 579 SH   SOLE   0 0 579
ALTRIA GROUP COM 02209S103 934 18,265 SH   SOLE   0 0 18,265
AMAZON COM COM 023135106 5,619 1,795 SH   SOLE   0 0 1,795
AMGEN INC COM 031162100 263 1,056 SH   SOLE   0 0 1,056
ANNALY CAPITAL COM 035710409 188 21,907 SH   SOLE   0 0 21,907
APPLE INC COM 037833100 7,648 62,125 SH   SOLE   0 0 62,125
APPLIED MATERIALS COM 038222105 213 1,597 SH   SOLE   0 0 1,597
AT&T INC COM 00206R102 438 14,486 SH   SOLE   0 0 14,486
BERKSHIRE HATHAWAY CL A 084670108 771 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY CL B NEW 084670702 5,905 22,985 SH   SOLE   0 0 22,985
BLACKROCK ULTRA BLACKROCK ULTRA 46434V878 1,253 24,814 SH   SOLE   0 0 24,814
BNY MELLON US LRG CP CORE 09661T107 3,028 40,455 SH   SOLE   0 0 40,455
BRISTOL MYERS COM 110122108 209 3,310 SH   SOLE   0 0 3,310
CATERPILLAR INC COM 149123101 571 2,461 SH   SOLE   0 0 2,461
CHEVRON CORP COM 166764100 290 2,768 SH   SOLE   0 0 2,768
CISCO SYSTEMS COM 17275R102 224 4,326 SH   SOLE   0 0 4,326
CORTEVA INC COM 22052L104 211 4,516 SH   SOLE   0 0 4,516
CUMMINS INC COM 231021106 232 895 SH   SOLE   0 0 895
DANAHER CORP COM 235851102 403 1,790 SH   SOLE   0 0 1,790
DOW INC COM 260557103 290 4,536 SH   SOLE   0 0 4,536
DUPONT DE COM 26614N102 227 2,932 SH   SOLE   0 0 2,932
EATON CORP SHS G29183103 587 4,244 SH   SOLE   0 0 4,244
EXXON MOBIL COM 30231G102 441 7,900 SH   SOLE   0 0 7,900
FACEBOOK INC CL A 30303M102 591 1,970 SH   SOLE   0 0 1,970
FORD MOTOR COM 345370860 305 24,922 SH   SOLE   0 0 24,922
GENERAL MILLS COM 370334104 350 5,703 SH   SOLE   0 0 5,703
GENTEX CORP COM 371901109 306 8,568 SH   SOLE   0 0 8,568
HERSHEY COMPANY COM 427866108 254 1,607 SH   SOLE   0 0 1,607
HOME DEPOT COM 437076102 654 2,142 SH   SOLE   0 0 2,142
INTEL CORP COM 458140100 504 7,878 SH   SOLE   0 0 7,878
INTL BUSINESS COM 459200101 352 2,645 SH   SOLE   0 0 2,645
ISHARES 1-3YR 1 3 YR TREAS BD 464287457 2,854 33,093 SH   SOLE   0 0 33,093
ISHARES CORE CORE US AGGBD ET 464287226 2,229 19,584 SH   SOLE   0 0 19,584
ISHARES CORE CORE S&P MCP ETF 464287507 619 2,377 SH   SOLE   0 0 2,377
ISHARES CORE CORE S&P SCP ETF 464287804 869 8,005 SH   SOLE   0 0 8,005
ISHARES CORE CORE S&P TTL STK 464287150 20,665 224,352 SH   SOLE   0 0 224,352
ISHARES CORE CORE S&P500 ETF 464287200 2,358 5,927 SH   SOLE   0 0 5,927
ISHARES CORE CORE TOTAL USD 46434V613 306 5,795 SH   SOLE   0 0 5,795
ISHARES CORE CORE MSCI TOTAL 46432F834 673 9,574 SH   SOLE   0 0 9,574
ISHARES GOLD ISHARES 464285105 29,870 1,829,662 SH   SOLE   0 0 1,829,662
ISHARES MSCI MSCI EAFE ETF 464287465 757 9,973 SH   SOLE   0 0 9,973
ISHARES MSCI EAFE VALUE ETF 464288877 5,056 99,049 SH   SOLE   0 0 99,049
ISHARES NATIONAL NATIONAL MUN 464288414 2,948 25,404 SH   SOLE   0 0 25,404
ISHARES RUSS RUS MDCP VAL ETF 464287473 485 4,433 SH   SOLE   0 0 4,433
ISHARES RUSSELL RUS 1000 ETF 464287622 1,513 6,725 SH   SOLE   0 0 6,725
ISHARES RUSSELL RUS 2000 VAL ETF 464287630 24,122 151,339 SH   SOLE   0 0 151,339
ISHARES RUSSELL RUS MID CAP ETF 464287499 361 4,884 SH   SOLE   0 0 4,884
ISHARES RUSSELL RUSSELL 3000 ETF 464287689 2,480 10,456 SH   SOLE   0 0 10,456
ISHARES S&P S&P MC 400VL ETF 464287705 284 2,790 SH   SOLE   0 0 2,790
ISHARES S&P SP SMCP600VL ETF 464287879 1,476 14,654 SH   SOLE   0 0 14,654
ISHARES S&P S&P 500 VAL ETF 464287408 634 4,449 SH   SOLE   0 0 4,449
ISHARES S&P S&P 500 GRWT ETF 464287309 257 3,944 SH   SOLE   0 0 3,944
ISHARES SELECT SELECT DIVID ETF 464287168 2,197 19,256 SH   SOLE   0 0 19,256
ISHARES TIPS TIPS BD ETF 464287176 11,157 88,884 SH   SOLE   0 0 88,884
JOHNSON & JOHNSON COM 478160104 841 5,116 SH   SOLE   0 0 5,116
KELLOGG CO COM 487836108 864 13,653 SH   SOLE   0 0 13,653
KIMBERLY CLARK COM 494368103 573 4,118 SH   SOLE   0 0 4,118
LCI INDS COM 50189K103 902 6,822 SH   SOLE   0 0 6,822
LEVEL ONE COM 52730D208 477 18,500 SH   SOLE   0 0 18,500
LINDE PLC COM G5494J103 673 2,403 SH   SOLE   0 0 2,403
LOWES COMPANIES COM 548661107 216 1,135 SH   SOLE   0 0 1,135
MCDONALDS CORP COM 580135101 279 1,244 SH   SOLE   0 0 1,244
MERCK & COMPANY COM 58933Y105 319 4,136 SH   SOLE   0 0 4,136
MICROSOFT CORP COM 594918104 2,647 11,067 SH   SOLE   0 0 11,067
MONDELEZ INTERNATIONAL CL A 609207105 705 12,051 SH   SOLE   0 0 12,051
NETFLIX INC COM 64110L106 652 1,249 SH   SOLE   0 0 1,249
NORFOLK SOUTHERN COM 655844108 241 898 SH   SOLE   0 0 898
PARKER-HANNIFIN CORP COM 701094104 203 644 SH   SOLE   0 0 644
PEPSICO INC COM 713448108 775 5,481 SH   SOLE   0 0 5,481
PFIZER INC COM 717081103 1,236 33,483 SH   SOLE   0 0 33,483
PHILIP MORRIS COM 718172109 1,248 14,069 SH   SOLE   0 0 14,069
PROCTER & GAMBLE COM 742718109 2,017 14,897 SH   SOLE   0 0 14,897
QUEST DIAGNOSTICS COM 74834L100 506 3,943 SH   SOLE   0 0 3,943
R1 RCM COM 749397105 294 11,900 SH   SOLE   0 0 11,900
SCHWAB AGGREGATE US AGGREGATE B 808524839 735 13,622 SH   SOLE   0 0 13,622
SCHWAB INTL INTL EQTY ETF 808524805 505 13,413 SH   SOLE   0 0 13,413
SCHWAB US US BRD MKT ETF 808524102 3,618 36,844 SH   SOLE   0 0 36,844
SCHWAB US US TIPS ETF 808524870 1,030 16,809 SH   SOLE   0 0 16,809
SCHWAB US US LRG CAP ETF 808524201 272 2,836 SH   SOLE   0 0 2,836
SHYFT GROUP COM 825698103 1,539 41,378 SH   SOLE   0 0 41,378
SMILEDIRECTCLUB INC CL A COM 83192H106 274 26,600 SH   SOLE   0 0 26,600
SPDR DOW UT SER 1 78467X109 371 1,123 SH   SOLE   0 0 1,123
SPDR GOLD GOLD SHS 78463V107 322 2,010 SH   SOLE   0 0 2,010
SPDR S&P TR UNIT 78462F103 4,723 11,851 SH   SOLE   0 0 11,851
STARBUCKS CORP COM 855244109 419 3,834 SH   SOLE   0 0 3,834
STATE STREET COM 857477103 255 3,041 SH   SOLE   0 0 3,041
STEELCASE INC CL A 858155203 425 29,531 SH   SOLE   0 0 29,531
STRYKER CORP COM 863667101 14,665 59,840 SH   SOLE   0 0 59,840
TESLA INC COM 88160R101 416 623 SH   SOLE   0 0 623
TEVA PHARMACEUTICAL SPONSORED ADS 881624209 156 13,500 SH   SOLE   0 0 13,500
U S BANCORP DE COM NEW 902973304 245 4,426 SH   SOLE   0 0 4,426
VANGUARD DIVIDEND DIV APP ETF 921908844 1,576 10,628 SH   SOLE   0 0 10,628
VANGUARD EXTENDED EXTEND MKT ETF 922908652 325 1,816 SH   SOLE   0 0 1,816
VANGUARD FSTE FTSE EMR MKT ETF 922042858 7,028 134,986 SH   SOLE   0 0 134,986
VANGUARD FTSE FTSE DEV MKT ETF 921943858 1,303 26,389 SH   SOLE   0 0 26,389
VANGUARD FTSE FTSE SMCAP ETF 922042718 847 6,522 SH   SOLE   0 0 6,522
VANGUARD GROWTH GROWTH ETF 922908736 619 2,410 SH   SOLE   0 0 2,410
VANGUARD HEALTH HEALTH CAR ETF 92204A504 295 1,290 SH   SOLE   0 0 1,290
VANGUARD HIGH HIGH DIV YLD 921946406 534 5,217 SH   SOLE   0 0 5,217
VANGUARD INFORMATION INF TECH ETF 92204A702 936 2,611 SH   SOLE   0 0 2,611
VANGUARD LARGE LARGE CAP ETF 922908637 395 2,134 SH   SOLE   0 0 2,134
VANGUARD MID MID CAP ETF 922908629 1,033 4,669 SH   SOLE   0 0 4,669
VANGUARD MID MCAP VL IDXVIP 922908512 350 2,592 SH   SOLE   0 0 2,592
VANGUARD MUNICIPAL TAX EXEMPT BD 922907746 2,458 44,994 SH   SOLE   0 0 44,994
VANGUARD REAL REAL ESTATE ETF 922908553 2,165 23,409 SH   SOLE   0 0 23,409
VANGUARD RUSSELL VNG RUS1000VAL 92206C714 1,174 8,834 SH   SOLE   0 0 8,834
VANGUARD RUSSELL VNG RUS2000VAL 92206C649 535 3,827 SH   SOLE   0 0 3,827
VANGUARD S&P S&P 500 ETF SHS 922908363 12,813 34,983 SH   SOLE   0 0 34,983
VANGUARD S&P 500 GRTH IDX F 921932505 218 926 SH   SOLE   0 0 926
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 230 2,705 SH   SOLE   0 0 2,705
VANGUARD SHORT SHORT TRM BOND 921937827 928 11,284 SH   SOLE   0 0 11,284
VANGUARD SHORT SHORT TERM TREAS 92206C102 270 4,394 SH   SOLE   0 0 4,394
VANGUARD SHORT STRM INFPROIDX 922020805 297 5,756 SH   SOLE   0 0 5,756
VANGUARD SMALL SM CP VAL ETF 922908611 41,367 249,688 SH   SOLE   0 0 249,688
VANGUARD TOTAL TOTAL BND MRKT 921937835 2,792 32,832 SH   SOLE   0 0 32,832
VANGUARD TOTAL INTL BD IDX ETF 92203J407 211 3,687 SH   SOLE   0 0 3,687
VANGUARD TOTAL TT WRLD ST ETF 922042742 11,243 115,282 SH   SOLE   0 0 115,282
VANGUARD TOTAL TOTAL STK MKT 922908769 71,372 344,482 SH   SOLE   0 0 344,482
VANGUARD TOTAL VG TL INTL STK F 921909768 4,902 77,861 SH   SOLE   0 0 77,861
VANGUARD VALUE VALUE ETF 922908744 3,590 27,260 SH   SOLE   0 0 27,260
VISA INC COM CL A 92826C839 563 2,661 SH   SOLE   0 0 2,661
WALMART INC COM 931142103 262 1,929 SH   SOLE   0 0 1,929
WALT DISNEY COM DISNEY 254687106 314 1,703 SH   SOLE   0 0 1,703
WORLD GOLD SPDR GLD MINIS 98149E204 3,077 179,673 SH   SOLE   0 0 179,673
ZOETIS INC CL A 98978V103 1,135 6,966 SH   SOLE   0 0 6,966