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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,570,520 16,216 SH   SOLE   0 0 16,216
ABBVIE INC COM 00287Y109   3,423,086 22,964 SH   SOLE   0 0 22,964
AMAZON COM INC COM 023135106   1,856,206 14,602 SH   SOLE   0 0 14,602
AMERICAN EXPRESS CO COM 025816109   1,889,641 12,666 SH   SOLE   0 0 12,666
APPLE INC COM 037833100   5,424,720 31,685 SH   SOLE   0 0 31,685
AT&T INC COM 00206R102   1,916,988 127,629 SH   SOLE   0 0 127,629
BLACKROCK MUNIYIELD MICH QU COM 09254V105   456,284 45,950 SH   SOLE   0 0 45,950
BROADCOM INC COM 11135F101   204,323 246 SH   SOLE   0 0 246
CARRIER GLOBAL CORPORATION COM 14448C104   1,064,311 19,281 SH   SOLE   0 0 19,281
CHEVRON CORP NEW COM 166764100   2,352,911 13,954 SH   SOLE   0 0 13,954
CISCO SYS INC COM 17275R102   2,637,573 49,062 SH   SOLE   0 0 49,062
COCA COLA CO COM 191216100   5,689,608 101,636 SH   SOLE   0 0 101,636
CONOCOPHILLIPS COM 20825C104   275,780 2,302 SH   SOLE   0 0 2,302
CVS HEALTH CORP COM 126650100   2,428,759 34,786 SH   SOLE   0 0 34,786
DARDEN RESTAURANTS INC COM 237194105   949,262 6,628 SH   SOLE   0 0 6,628
EMERSON ELEC CO COM 291011104   2,684,646 27,800 SH   SOLE   0 0 27,800
EXXON MOBIL CORP COM 30231G102   6,233,339 53,014 SH   SOLE   0 0 53,014
GENERAC HLDGS INC COM 368736104   652,670 5,990 SH   SOLE   0 0 5,990
GENUINE PARTS CO COM 372460105   215,126 1,490 SH   SOLE   0 0 1,490
GLOBAL X FDS US PFD ETF 37954Y657   6,153,861 327,159 SH   SOLE   0 0 327,159
HOME DEPOT INC COM 437076102   348,693 1,154 SH   SOLE   0 0 1,154
ISHARES TR RUSSELL 3000 ETF 464287689   254,372 1,038 SH   SOLE   0 0 1,038
ISHARES TR MSCI EAFE ETF 464287465   349,080 5,065 SH   SOLE   0 0 5,065
JOHNSON & JOHNSON COM 478160104   2,568,949 16,494 SH   SOLE   0 0 16,494
JPMORGAN CHASE & CO COM 46625H100   4,763,928 32,850 SH   SOLE   0 0 32,850
KEYCORP COM 493267108   542,175 50,388 SH   SOLE   0 0 50,388
KLA CORP COM NEW 482480100   234,834 512 SH   SOLE   0 0 512
MICROSOFT CORP COM 594918104   6,117,714 19,375 SH   SOLE   0 0 19,375
NEXTERA ENERGY INC COM 65339F101   566,025 9,880 SH   SOLE   0 0 9,880
NORTHROP GRUMMAN CORP COM 666807102   4,111,815 9,341 SH   SOLE   0 0 9,341
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   196,323 14,651 SH   SOLE   0 0 14,651
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   3,355,519 321,718 SH   SOLE   0 0 321,718
OTIS WORLDWIDE CORP COM 68902V107   478,005 5,952 SH   SOLE   0 0 5,952
PARAMOUNT GLOBAL CLASS B COM 92556H206   691,401 53,597 SH   SOLE   0 0 53,597
PEPSICO INC COM 713448108   1,778,103 10,494 SH   SOLE   0 0 10,494
PFIZER INC COM 717081103   2,279,680 68,727 SH   SOLE   0 0 68,727
PGIM HIGH YIELD BOND FUND IN COM 69346H100   617,331 52,405 SH   SOLE   0 0 52,405
PGIM SHORT DUR HIG YLD OPP F COM 69355J104   3,756,272 259,232 SH   SOLE   0 0 259,232
PROCTER AND GAMBLE CO COM 742718109   222,517 1,526 SH   SOLE   0 0 1,526
QUALCOMM INC COM 747525103   1,750,083 15,758 SH   SOLE   0 0 15,758
RTX CORPORATION COM 75513E101   1,006,141 13,980 SH   SOLE   0 0 13,980
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   220,663 4,989 SH   SOLE   0 0 4,989
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,562,633 74,392 SH   SOLE   0 0 74,392
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   260,289 4,038 SH   SOLE   0 0 4,038
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,819,724 53,584 SH   SOLE   0 0 53,584
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   255,247 3,510 SH   SOLE   0 0 3,510
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   348,128 6,880 SH   SOLE   0 0 6,880
SCHWAB STRATEGIC TR US TIPS ETF 808524870   817,736 16,196 SH   SOLE   0 0 16,196
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,591,389 22,490 SH   SOLE   0 0 22,490
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,895,122 78,137 SH   SOLE   0 0 78,137
SELECT SECTOR SPDR TR ENERGY 81369Y506   330,014 3,651 SH   SOLE   0 0 3,651
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   412,734 12,443 SH   SOLE   0 0 12,443
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   522,827 8,872 SH   SOLE   0 0 8,872
SPDR S&P 500 ETF TR TR UNIT 78462F103   327,022 765 SH   SOLE   0 0 765
STRYKER CORPORATION COM 863667101   3,685,319 13,486 SH   SOLE   0 0 13,486
TRUIST FINL CORP COM 89832Q109   1,845,889 64,519 SH   SOLE   0 0 64,519
UNITEDHEALTH GROUP INC COM 91324P102   2,035,415 4,037 SH   SOLE   0 0 4,037
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,127,311 28,300 SH   SOLE   0 0 28,300
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,308,233 6,159 SH   SOLE   0 0 6,159
VERIZON COMMUNICATIONS INC COM 92343V104   1,322,091 40,793 SH   SOLE   0 0 40,793
WALGREENS BOOTS ALLIANCE INC COM 931427108   209,479 9,419 SH   SOLE   0 0 9,419
WALMART INC COM 931142103   1,331,417 8,325 SH   SOLE   0 0 8,325