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
PFIZER INC COM 717081103 243 7,432 SH   SOLE 0 0 0 7,432
MONOLITHIC PWR SYS INC COM 609839105 507 2,140 SH   SOLE 0 0 0 2,140
PROSHARES TR PSHS ULTRA TECH 74347R693 2,655 14,228 SH   SOLE 0 0 0 14,228
SPDR SER TR BLMBRG BRC CNVRT 78464A359 991 16,385 SH   SOLE 0 0 0 16,385
FERRARI N V COM N3167Y103 406 2,375 SH   SOLE 0 0 0 2,375
DEERE & CO COM 244199105 380 2,419 SH   SOLE 0 0 0 2,419
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 594 15,317 SH   SOLE 0 0 0 15,317
TWITTER INC NOTE 1.000% 9/1 90184LAD4 29 30,000 PRN   SOLE 0 0 0 30,000
ACTIVISION BLIZZARD INC COM 00507V109 277 3,647 SH   SOLE 0 0 0 3,647
DISNEY WALT CO COM DISNEY 254687106 346 3,106 SH   SOLE 0 0 0 3,106
NORTHERN LTS FD TR III HCM DEFEN 500 66538R730 1,522 60,374 SH   SOLE 0 0 0 60,374
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 502 9,119 SH   SOLE 0 0 0 9,119
SPDR S&P 500 ETF TR TR UNIT 78462F103 340 1,104 SH   SOLE 0 0 0 1,104
ABBOTT LABS COM 002824100 913 9,987 SH   SOLE 0 0 0 9,987
ISHARES TR TIPS BD ETF 464287176 3,899 31,697 SH   SOLE 0 0 0 31,697
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,909 35,323 SH   SOLE 0 0 0 35,323
PEPSICO INC COM 713448108 253 1,914 SH   SOLE 0 0 0 1,914
INPHI CORP COM 45772F107 354 3,015 SH   SOLE 0 0 0 3,015
THE TRADE DESK INC COM CL A 88339J105 591 1,455 SH   SOLE 0 0 0 1,455
ADOBE INC COM 00724F101 739 1,697 SH   SOLE 0 0 0 1,697
SPDR SER TR SSGA US LRG ETF 78468R804 204 1,996 SH   SOLE 0 0 0 1,996
COSTCO WHSL CORP NEW COM 22160K105 206 679 SH   SOLE 0 0 0 679
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 368 14,687 SH   SOLE 0 0 0 14,687
AT&T INC COM 00206R102 358 11,851 SH   SOLE 0 0 0 11,851
APPLE INC COM 037833100 3,360 9,211 SH   SOLE 0 0 0 9,211
TARGET CORP COM 87612E106 485 4,040 SH   SOLE 0 0 0 4,040
ARK ETF TR INNOVATION ETF 00214Q104 3,339 46,825 SH   SOLE 0 0 0 46,825
AMAZON COM INC COM 023135106 1,920 696 SH   SOLE 0 0 0 696
FORTIVE CORP NOTE 0.875% 2/1 34959JAK4 49 50,000 PRN   SOLE 0 0 0 50,000
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,404 83,766 SH   SOLE 0 0 0 83,766
QUALCOMM INC COM 747525103 478 5,242 SH   SOLE 0 0 0 5,242
LOWES COS INC COM 548661107 259 1,914 SH   SOLE 0 0 0 1,914
MERCK & CO. INC COM 58933Y105 249 3,223 SH   SOLE 0 0 0 3,223
TERADYNE INC COM 880770102 214 2,537 SH   SOLE 0 0 0 2,537
PROCTER AND GAMBLE CO COM 742718109 1,293 10,812 SH   SOLE 0 0 0 10,812
BOEING CO COM 097023105 539 2,943 SH   SOLE 0 0 0 2,943
GLOBAL PMTS INC COM 37940X102 425 2,504 SH   SOLE 0 0 0 2,504
GLOBANT S A COM L44385109 518 3,457 SH   SOLE 0 0 0 3,457
WALMART INC COM 931142103 607 5,067 SH   SOLE 0 0 0 5,067
REPLIGEN CORP COM 759916109 427 3,455 SH   SOLE 0 0 0 3,455
CADENCE DESIGN SYSTEM INC COM 127387108 688 7,173 SH   SOLE 0 0 0 7,173
VEEVA SYS INC CL A COM 922475108 744 3,173 SH   SOLE 0 0 0 3,173
ISHARES TR JPMORGAN USD EMG 464288281 935 8,558 SH   SOLE 0 0 0 8,558
VANECK VECTORS ETF TR RETAIL ETF 92189F684 1,905 14,371 SH   SOLE 0 0 0 14,371
WISDOMTREE TR US QTLY DIV GRT 97717X669 361 7,936 SH   SOLE 0 0 0 7,936
INTEL CORP COM 458140100 550 9,194 SH   SOLE 0 0 0 9,194
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,789 30,175 SH   SOLE 0 0 0 30,175
NUVEEN MICH QUALITY MUN INCO COM 670979103 219 16,000 SH   SOLE 0 0 0 16,000
US BANCORP DEL COM NEW 902973304 246 6,688 SH   SOLE 0 0 0 6,688
ISHARES TR CORE S&P SCP ETF 464287804 4,854 71,084 SH   SOLE 0 0 0 71,084
JPMORGAN CHASE & CO COM 46625H100 217 2,307 SH   SOLE 0 0 0 2,307
CISCO SYS INC COM 17275R102 310 6,652 SH   SOLE 0 0 0 6,652
BRISTOL-MYERS SQUIBB CO COM 110122108 656 11,163 SH   SOLE 0 0 0 11,163
ISHARES TR CORE S&P US GWT 464287671 8,718 121,280 SH   SOLE 0 0 0 121,280
EXXON MOBIL CORP COM 30231G102 446 9,962 SH   SOLE 0 0 0 9,962
ISHARES INC MSCI FRNTR100ETF 464286145 309 12,769 SH   SOLE 0 0 0 12,769
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 557 3,118 SH   SOLE 0 0 0 3,118
ISHARES TR FLTG RATE NT ETF 46429B655 584 11,538 SH   SOLE 0 0 0 11,538
PACER FDS TR BNCHMRK INFRA 69374H741 5,661 159,238 SH   SOLE 0 0 0 159,238
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 233 1,082 SH   SOLE 0 0 0 1,082
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 217 16,000 SH   SOLE 0 0 0 16,000
HCA HEALTHCARE INC COM 40412C101 342 3,525 SH   SOLE 0 0 0 3,525
ABBVIE INC COM 00287Y109 570 5,805 SH   SOLE 0 0 0 5,805
CHEVRON CORP NEW COM 166764100 352 3,947 SH   SOLE 0 0 0 3,947
TEMPUR SEALY INTL INC COM 88023U101 335 4,656 SH   SOLE 0 0 0 4,656
QCR HOLDINGS INC COM 74727A104 280 8,991 SH   SOLE 0 0 0 8,991
BROADCOM INC COM 11135F101 544 1,723 SH   SOLE 0 0 0 1,723
VANGUARD INDEX FDS VALUE ETF 922908744 2,412 24,221 SH   SOLE 0 0 0 24,221
ISHARES INC CORE MSCI EMKT 46434G103 238 4,992 SH   SOLE 0 0 0 4,992
GILEAD SCIENCES INC COM 375558103 527 6,845 SH   SOLE 0 0 0 6,845
D R HORTON INC COM 23331A109 342 6,170 SH   SOLE 0 0 0 6,170
TOPBUILD CORP COM 89055F103 360 3,160 SH   SOLE 0 0 0 3,160
JD.COM INC SPON ADR CL A 47215P106 377 6,265 SH   SOLE 0 0 0 6,265
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,521 107,754 SH   SOLE 0 0 0 107,754
RENAISSANCE CAP GREENWICH FD IPO ETF 759937204 415 10,253 SH   SOLE 0 0 0 10,253
ISHARES TR CORE DIV GRWTH 46434V621 285 7,570 SH   SOLE 0 0 0 7,570
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 306 3,009 SH   SOLE 0 0 0 3,009
VISA INC COM CL A 92826C839 396 2,052 SH   SOLE 0 0 0 2,052
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 558 4,760 SH   SOLE 0 0 0 4,760
VANGUARD INDEX FDS SML CP GRW ETF 922908595 4,628 23,184 SH   SOLE 0 0 0 23,184
ISHARES TR 3 7 YR TREAS BD 464288661 4,064 30,402 SH   SOLE 0 0 0 30,402
ISHARES TR IBOXX INV CP ETF 464287242 6,636 49,337 SH   SOLE 0 0 0 49,337
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,589 43,915 SH   SOLE 0 0 0 43,915
FAIR ISAAC CORP COM 303250104 366 876 SH   SOLE 0 0 0 876
DBX ETF TR XTRACK USD HIGH 233051432 1,824 39,018 SH   SOLE 0 0 0 39,018
TJX COS INC NEW COM 872540109 232 4,583 SH   SOLE 0 0 0 4,583
VIACOMCBS INC CL B 92556H206 614 26,348 SH   SOLE 0 0 0 26,348
QUEST DIAGNOSTICS INC COM 74834L100 224 1,969 SH   SOLE 0 0 0 1,969
VANECK VECTORS ETF TR AMT FREE SHORT M 92189F528 4,225 234,611 SH   SOLE 0 0 0 234,611
FACEBOOK INC CL A 30303M102 309 1,362 SH   SOLE 0 0 0 1,362
SPDR SER TR PORTFOLIO S&P500 78464A854 246 6,780 SH   SOLE 0 0 0 6,780
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,699 74,738 SH   SOLE 0 0 0 74,738
ISHARES GOLD TRUST ISHARES 464285105 362 21,292 SH   SOLE 0 0 0 21,292
HUMANA INC COM 444859102 679 1,752 SH   SOLE 0 0 0 1,752
GRACO INC COM 384109104 337 7,026 SH   SOLE 0 0 0 7,026
ISHARES TR CORE US AGGBD ET 464287226 1,631 13,796 SH   SOLE 0 0 0 13,796
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 1,592 86,431 SH   SOLE 0 0 0 86,431
ADVANCED MICRO DEVICES INC COM 007903107 260 4,933 SH   SOLE 0 0 0 4,933
ISHARES TR AGGRES ALLOC ETF 464289859 537 9,786 SH   SOLE 0 0 0 9,786
COCA COLA CO COM 191216100 470 10,509 SH   SOLE 0 0 0 10,509
INVESCO QQQ TR UNIT SER 1 46090E103 1,000 4,037 SH   SOLE 0 0 0 4,037
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 351 10,086 SH   SOLE 0 0 0 10,086
WELLS FARGO CO NEW COM 949746101 376 14,684 SH   SOLE 0 0 0 14,684
RH COM 74967X103 428 1,721 SH   SOLE 0 0 0 1,721
VERIZON COMMUNICATIONS INC COM 92343V104 708 12,835 SH   SOLE 0 0 0 12,835
UNITEDHEALTH GROUP INC COM 91324P102 705 2,392 SH   SOLE 0 0 0 2,392
NVIDIA CORPORATION COM 67066G104 1,493 3,929 SH   SOLE 0 0 0 3,929
LOCKHEED MARTIN CORP COM 539830109 505 1,383 SH   SOLE 0 0 0 1,383
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 439 5,575 SH   SOLE 0 0 0 5,575
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,300 154,942 SH   SOLE 0 0 0 154,942
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,387 40,175 SH   SOLE 0 0 0 40,175
RINGCENTRAL INC CL A 76680R206 309 1,083 SH   SOLE 0 0 0 1,083
WISDOMTREE TR US ESG FUND 97717W596 221 6,585 SH   SOLE 0 0 0 6,585
SERVICENOW INC COM 81762P102 605 1,493 SH   SOLE 0 0 0 1,493
ATLASSIAN CORP PLC CL A G06242104 463 2,567 SH   SOLE 0 0 0 2,567
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,510 15,783 SH   SOLE 0 0 0 15,783
GRANITESHARES GOLD TR SHS BEN INT 38748G101 484 27,257 SH   SOLE 0 0 0 27,257
ISHARES TR INTRM TR CRP ETF 464288638 1,057 17,507 SH   SOLE 0 0 0 17,507
ISHARES TR RUS TP200 GR ETF 464289438 286 2,680 SH   SOLE 0 0 0 2,680
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,435 65,755 SH   SOLE 0 0 0 65,755
3M CO COM 88579Y101 503 3,226 SH   SOLE 0 0 0 3,226
NORTHERN LTS FD TR III HCM DEFND 100 66538R748 1,722 56,711 SH   SOLE 0 0 0 56,711
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,057 17,148 SH   SOLE 0 0 0 17,148
ISHARES TR RUS 1000 ETF 464287622 3,821 22,259 SH   SOLE 0 0 0 22,259
NORTHROP GRUMMAN CORP COM 666807102 404 1,313 SH   SOLE 0 0 0 1,313
PROSHARES TR PSHS ULTRA QQQ 74347R206 4,997 33,835 SH   SOLE 0 0 0 33,835
VANECK VECTORS ETF TR AMT FREE LONG MU 92189F536 565 26,717 SH   SOLE 0 0 0 26,717
FIREEYE INC NOTE 1.625% 6/0 31816QAD3 33 35,000 PRN   SOLE 0 0 0 35,000
MICROSOFT CORP COM 594918104 2,033 9,989 SH   SOLE 0 0 0 9,989
MONSTER BEVERAGE CORP NEW COM 61174X109 492 7,102 SH   SOLE 0 0 0 7,102
SPDR GOLD TR GOLD SHS 78463V107 18,462 110,308 SH   SOLE 0 0 0 110,308
MCDONALDS CORP COM 580135101 206 1,116 SH   SOLE 0 0 0 1,116
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,844 38,410 SH   SOLE 0 0 0 38,410
SPDR SER TR PRTFLO S&P500 GW 78464A409 239 5,325 SH   SOLE 0 0 0 5,325
ALPHABET INC CAP STK CL A 02079K305 1,239 874 SH   SOLE 0 0 0 874
ISHARES TR CORE 1 5 YR USD 46432F859 2,117 41,140 SH   SOLE 0 0 0 41,140
ISHARES TR FALN ANGLS USD 46435G474 1,151 43,910 SH   SOLE 0 0 0 43,910
ISHARES TR MSCI CHINA A 46434V514 1,837 58,132 SH   SOLE 0 0 0 58,132
GOLDMAN SACHS GROUP INC COM 38141G104 433 2,193 SH   SOLE 0 0 0 2,193
GENERAL DYNAMICS CORP COM 369550108 605 4,048 SH   SOLE 0 0 0 4,048
ISHARES TR MBS ETF 464288588 2,525 22,806 SH   SOLE 0 0 0 22,806
PHILLIPS 66 COM 718546104 234 3,257 SH   SOLE 0 0 0 3,257
DOCUSIGN INC COM 256163106 333 1,931 SH   SOLE 0 0 0 1,931
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,695 32,838 SH   SOLE 0 0 0 32,838
VERTEX PHARMACEUTICALS INC COM 92532F100 434 1,496 SH   SOLE 0 0 0 1,496
VMWARE INC CL A COM 928563402 507 3,273 SH   SOLE 0 0 0 3,273
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,437 71,338 SH   SOLE 0 0 0 71,338
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 4,658 91,823 SH   SOLE 0 0 0 91,823
HONEYWELL INTL INC COM 438516106 459 3,172 SH   SOLE 0 0 0 3,172
MEDICAL PPTYS TRUST INC COM 58463J304 362 19,254 SH   SOLE 0 0 0 19,254
EPAM SYS INC COM 29414B104 455 1,806 SH   SOLE 0 0 0 1,806
ISHARES TR MORTGE REL ETF 46435G342 576 23,181 SH   SOLE 0 0 0 23,181
QUIDEL CORP COM 74838J101 424 1,896 SH   SOLE 0 0 0 1,896
FORD MTR CO DEL COM 345370860 1,275 209,774 SH   SOLE 0 0 0 209,774
ISHARES TR CORE S&P500 ETF 464287200 5,027 16,233 SH   SOLE 0 0 0 16,233
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 236 4,093 SH   SOLE 0 0 0 4,093
ISHARES TR 0-5YR INVT GR CP 46434V100 5,018 96,272 SH   SOLE 0 0 0 96,272
MEDTRONIC PLC SHS G5960L103 282 3,081 SH   SOLE 0 0 0 3,081
VANECK VECTORS ETF TR EMERGING MKTS HI 92189F353 7,711 346,092 SH   SOLE 0 0 0 346,092
SYNOPSYS INC COM 871607107 717 3,677 SH   SOLE 0 0 0 3,677
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,114 75,986 SH   SOLE 0 0 0 75,986
PAYLOCITY HLDG CORP COM 70438V106 386 2,648 SH   SOLE 0 0 0 2,648
THERMO FISHER SCIENTIFIC INC COM 883556102 232 641 SH   SOLE 0 0 0 641
VIPSHOP HOLDINGS LIMITED SPONSORED ADS A 92763W103 481 24,162 SH   SOLE 0 0 0 24,162
ZTO EXPRESS CAYMAN INC SPONSORED ADS A 98980A105 538 14,651 SH   SOLE 0 0 0 14,651
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,053 12,438 SH   SOLE 0 0 0 12,438
ISHARES TR ULTR SH TRM BD 46434V878 7,204 142,481 SH   SOLE 0 0 0 142,481
PAYPAL HLDGS INC COM 70450Y103 929 5,330 SH   SOLE 0 0 0 5,330
SPDR SER TR MSCI USA STRTGIC 78468R812 305 3,457 SH   SOLE 0 0 0 3,457
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,092 96,766 SH   SOLE 0 0 0 96,766
LULULEMON ATHLETICA INC COM 550021109 207 662 SH   SOLE 0 0 0 662
JOHNSON & JOHNSON COM 478160104 825 5,869 SH   SOLE 0 0 0 5,869
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,877 51,257 SH   SOLE 0 0 0 51,257
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,438 26,923 SH   SOLE 0 0 0 26,923
ISHARES TR 0-5YR HI YL CP 46434V407 8,620 200,969 SH   SOLE 0 0 0 200,969
ISHARES INC MIN VOL GBL ETF 464286525 422 4,817 SH   SOLE 0 0 0 4,817
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,559 14,584 SH   SOLE 0 0 0 14,584
PRINCIPAL EXCHANGE-TRADED FD SPECTRUM PFD 74255Y888 3,879 39,921 SH   SOLE 0 0 0 39,921