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
Expires: July 31, 2015
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
AMAZON COM INC COM 023135106 332,191 1,595 SH SOLE 0 0 0 1,595
APPLE INC COM 037833100 540,908 2,131 SH SOLE 0 0 0 2,131
CAPITAL GROUP CORE BALANCED SHS 14021D107 3,001,510 87,228 SH SOLE 0 0 0 87,228
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 6,832,775 160,620 SH SOLE 0 0 0 160,620
DTE ENERGY CO COM 233331107 297,928 2,038 SH SOLE 0 0 0 2,038
ELI LILLY & CO COM 532457108 292,739 318 SH SOLE 0 0 0 318
EXXON MOBIL CORP COM 30231G102 278,216 1,640 SH SOLE 0 0 0 1,640
FIDELITY COVINGTON TRUST FUNDAMENTAL SMAL 316092295 1,786,261 55,908 SH SOLE 0 0 0 55,908
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 3,354,985 16,126 SH SOLE 0 0 0 16,126
FIDELITY COVINGTON TRUST ENHANCED SMALL 31609A206 11,654,988 306,710 SH SOLE 0 0 0 306,710
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 8,326,348 223,827 SH SOLE 0 0 0 223,827
FIDELITY COVINGTON TRUST FUNDAMENTAL LARG 316092360 15,210,312 296,584 SH SOLE 0 0 0 296,584
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 6,851,510 136,702 SH SOLE 0 0 0 136,702
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 496,208 15,713 SH SOLE 0 0 0 15,713
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 3,632,527 65,759 SH SOLE 0 0 0 65,759
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 3,717,890 81,497 SH SOLE 0 0 0 81,497
FORD MTR CO COM 345370860 149,923 12,992 SH SOLE 0 0 0 12,992
FRANKLIN TEMPLETON ETF TR SYSTMTC STYL PRE 35473P546 325,829 11,979 SH SOLE 0 0 0 11,979
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 3,756,567 36,341 SH SOLE 0 0 0 36,341
INVESCO QQQ TR UNIT SER 1 46090E103 247,594 429 SH SOLE 0 0 0 429
ISHARES GOLD TR ISHARES NEW 464285204 4,112,311 46,646 SH SOLE 0 0 0 46,646
ISHARES TR MRGSTR MD CP GRW 464288307 213,036 2,705 SH SOLE 0 0 0 2,705
ISHARES TR RUS 1000 GRW ETF 464287614 384,356 901 SH SOLE 0 0 0 901
ISHARES TR HIGH YLD SYSTM B 46435G250 785,829 16,892 SH SOLE 0 0 0 16,892
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 1,655,108 32,859 SH SOLE 0 0 0 32,859
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827 404,161 13,405 SH SOLE 0 0 0 13,405
MICROSOFT CORP COM 594918104 722,956 1,953 SH SOLE 0 0 0 1,953
NVIDIA CORPORATION COM 67066G104 256,598 1,471 SH SOLE 0 0 0 1,471
PALANTIR TECHNOLOGIES INC CL A 69608A108 224,979 1,538 SH SOLE 0 0 0 1,538
PIMCO EQUITY SER RAFI DYN EMERG 72202L389 5,092,260 203,530 SH SOLE 0 0 0 203,530
PIMCO ETF TR COMMODITY STRAT 72201R593 413,508 12,814 SH SOLE 0 0 0 12,814
PIMCO ETF TR MULTISECTOR BD 72201R585 18,831,292 718,752 SH SOLE 0 0 0 718,752
PIMCO ETF TR MUNI INCOME OPP 72201R635 793,894 17,576 SH SOLE 0 0 0 17,576
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 563,187 20,222 SH SOLE 0 0 0 20,222
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 2,416,207 49,381 SH SOLE 0 0 0 49,381
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 230,719 9,322 SH SOLE 0 0 0 9,322
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 13,442,862 461,478 SH SOLE 0 0 0 461,478
SCHWAB STRATEGIC TR HIGH YIELD BD ET 808524631 9,005,828 346,378 SH SOLE 0 0 0 346,378
SPDR GOLD TR GOLD SHS 78463V107 448,792 1,043 SH SOLE 0 0 0 1,043
SPDR SERIES TRUST STATE STREET SPD 78464A409 879,311 8,981 SH SOLE 0 0 0 8,981
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 724,547 20,358 SH SOLE 0 0 0 20,358
T ROWE PRICE ETF INC SMALL MID CAP 87283Q826 1,571,379 42,852 SH SOLE 0 0 0 42,852
T ROWE PRICE ETF INC US EQUITY RESEAR 87283Q503 3,305,604 80,822 SH SOLE 0 0 0 80,822
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 2,560,658 51,471 SH SOLE 0 0 0 51,471
T ROWE PRICE ETF INC FLOATING RATE 87283Q883 636,810 12,645 SH SOLE 0 0 0 12,645
T ROWE PRICE ETF INC FINANCIALS ETF 87283Q768 864,330 34,436 SH SOLE 0 0 0 34,436
VANGUARD INDEX FDS SML CP GRW ETF 922908595 864,563 2,860 SH SOLE 0 0 0 2,860
VANGUARD INDEX FDS SMALL CP ETF 922908751 461,201 1,761 SH SOLE 0 0 0 1,761
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,146,093 10,527 SH SOLE 0 0 0 10,527
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 1,843,900 23,765 SH SOLE 0 0 0 23,765
VANGUARD MALVERN FDS MULTI SECTOR 922020722 9,774,654 191,644 SH SOLE 0 0 0 191,644
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 608,869 2,831 SH SOLE 0 0 0 2,831
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 465,176 3,141 SH SOLE 0 0 0 3,141
VANGUARD WORLD FD MEGA GRWTH IND 921910816 402,263 1,095 SH SOLE 0 0 0 1,095
VANGUARD WORLD FD ENERGY ETF 92204A306 872,272 5,041 SH SOLE 0 0 0 5,041
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,892,276 6,948 SH SOLE 0 0 0 6,948
WALMART INC COM 931142103 347,493 2,796 SH SOLE 0 0 0 2,796
WEC ENERGY GROUP INC COM 92939U106 350,791 3,030 SH SOLE 0 0 0 3,030