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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC Equity 037833100 11,312 81,853 SH   SOLE   81,853 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 10,300 204,892 SH   SOLE   204,893 0 0
MICROSOFT CORP Equity 594918104 8,009 34,387 SH   SOLE   34,387 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 7,362 99,106 SH   SOLE   99,107 0 0
ALPHABET INC. CLASS C Equity 02079K107 6,797 70,688 SH   SOLE   70,688 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 6,141 77,339 SH   SOLE   77,339 0 0
JOHNSON & JOHNSON Equity 478160104 5,280 32,320 SH   SOLE   32,320 0 0
VANGUARD VALUE ETF Equity 922908744 4,979 40,321 SH   SOLE   40,322 0 0
SPDR S&P 500 ETF Equity 78462F103 4,970 13,914 SH   SOLE   13,914 0 0
CVS HEALTH CORP Equity 126650100 4,835 50,697 SH   SOLE   50,697 0 0
JPMORGAN CHASE & CO Equity 46625H100 4,496 43,022 SH   SOLE   43,022 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 3,938 139,995 SH   SOLE   139,995 0 0
CHARLES SCHWAB CORP Equity 808513105 3,878 53,965 SH   SOLE   53,965 0 0
AMGEN INCORPORATED Equity 031162100 3,453 15,319 SH   SOLE   15,319 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 3,442 153,667 SH   SOLE   153,667 0 0
PROCTER & GAMBLE Equity 742718109 3,440 27,247 SH   SOLE   27,247 0 0
CISCO SYSTEMS INC Equity 17275R102 3,425 85,636 SH   SOLE   85,636 0 0
PFIZER INCORPORATED Equity 717081103 3,241 74,072 SH   SOLE   74,072 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 2,966 78,464 SH   SOLE   78,464 0 0
HOME DEPOT INC Equity 437076102 2,957 10,715 SH   SOLE   10,715 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 2,882 30,000 SH   SOLE   30,000 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 2,876 79,087 SH   SOLE   79,088 0 0
CATERPILLAR INC Equity 149123101 2,837 17,291 SH   SOLE   17,291 0 0
CITIGROUP INC Equity 172967424 2,728 65,463 SH   SOLE   65,463 0 0
MC DONALDS CORP Equity 580135101 2,697 11,687 SH   SOLE   11,687 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 2,425 57,251 SH   SOLE   57,251 0 0
EXXON MOBIL CORP Equity 30231G102 2,424 27,758 SH   SOLE   27,758 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,320 55,242 SH   SOLE   55,243 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,312 63,362 SH   SOLE   63,363 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,229 23,300 SH   SOLE   23,300 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 2,163 25,125 SH   SOLE   25,125 0 0
BAIDU COM INC ADR Equity 056752108 2,144 18,245 SH   SOLE   18,245 0 0
QUALCOMM INC Equity 747525103 2,094 18,532 SH   SOLE   18,532 0 0
MERCK & CO INC Equity 58933Y105 2,074 24,082 SH   SOLE   24,082 0 0
GILEAD SCIENCES INC Equity 375558103 2,034 32,970 SH   SOLE   32,970 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,020 63,796 SH   SOLE   63,796 0 0
KRAFT HEINZ CO Equity 500754106 1,999 59,954 SH   SOLE   59,954 0 0
ORACLE CORPORATION Equity 68389X105 1,984 32,483 SH   SOLE   32,483 0 0
INTEL CORP Equity 458140100 1,918 74,436 SH   SOLE   74,436 0 0
EMERSON ELECTRIC CO Equity 291011104 1,831 25,010 SH   SOLE   25,010 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,829 3,621 SH   SOLE   3,621 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 1,814 12,649 SH   SOLE   12,649 0 0
COCA COLA COMPANY Equity 191216100 1,779 31,763 SH   SOLE   31,763 0 0
FEDEX CORPORATION Equity 31428X106 1,777 11,972 SH   SOLE   11,972 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 1,732 4,311 SH   SOLE   4,312 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,725 4,465 SH   SOLE   4,465 0 0
NIKE INC CLASS B Equity 654106103 1,663 20,005 SH   SOLE   20,005 0 0
DIAGEO PLC ADR Equity G42089113 1,634 9,625 SH   SOLE   9,625 0 0
TERADYNE INCORPORATED Equity 880770102 1,629 21,675 SH   SOLE   21,675 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,568 17,987 SH   SOLE   17,988 0 0
FORD MOTOR COMPANY Equity 345370860 1,518 135,550 SH   SOLE   135,550 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,511 5,155 SH   SOLE   5,155 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,481 62,275 SH   SOLE   62,275 0 0
BECTON DICKINSON&CO Equity 075887109 1,470 6,595 SH   SOLE   6,595 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 1,462 18,282 SH   SOLE   18,282 0 0
ISHARES S&P 100 ETF Equity 464287101 1,456 8,961 SH   SOLE   8,962 0 0
BLACKROCK INC Equity 09247X101 1,398 2,541 SH   SOLE   2,541 0 0
BOEING CO Equity 097023105 1,397 11,534 SH   SOLE   11,534 0 0
VISA INC CLASS A Equity 92826C839 1,363 7,672 SH   SOLE   7,672 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,362 27,647 SH   SOLE   27,648 0 0
ONEOAK INC Equity 682680103 1,348 26,310 SH   SOLE   26,310 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,324 22,631 SH   SOLE   22,632 0 0
LOWES COMPANIES INC Equity 548661107 1,323 7,046 SH   SOLE   7,047 0 0
ABBVIE INC Equity 00287Y109 1,299 9,681 SH   SOLE   9,681 0 0
CLIFFS NATURAL RES Equity 18383K101 1,285 95,400 SH   SOLE   95,400 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,263 20,375 SH   SOLE   20,375 0 0
REALTY INCM CORP REIT Equity 756109104 1,246 21,405 SH   SOLE   21,405 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,234 6,875 SH   SOLE   6,875 0 0
BATH & BODY WORKS, INC. Equity 070830104 1,201 36,845 SH   SOLE   36,845 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,197 7,002 SH   SOLE   7,002 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,190 51,905 SH   SOLE   51,905 0 0
VERIZON COMMUNICATN Equity 92343V104 1,188 31,301 SH   SOLE   31,301 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,065 2,970 SH   SOLE   2,970 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 1,063 248,950 SH   SOLE   248,950 0 0
A T & T INC Equity 00206R102 1,043 67,972 SH   SOLE   67,972 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 1,034 28,290 SH   SOLE   28,290 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,021 25,565 SH   SOLE   25,565 0 0
NUTRIEN Equity 67077M108 1,010 12,117 SH   SOLE   12,117 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 980 12,500 SH   SOLE   12,500 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 946 7,000 SH   SOLE   7,000 0 0
FREEPORT MCMORAN Equity 35671D857 927 33,919 SH   SOLE   33,919 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 907 12,763 SH   SOLE   12,763 0 0
HANESBRAND INC Equity 410345102 899 129,175 SH   SOLE   129,175 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 897 3,360 SH   SOLE   3,360 0 0
AMAZON Equity 023135106 881 7,800 SH   SOLE   7,800 0 0
HONEYWELL INTL INC Equity 438516106 844 5,057 SH   SOLE   5,057 0 0
WAL-MART STORES INC Equity 931142103 824 6,355 SH   SOLE   6,355 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 813 73,172 SH   SOLE   73,172 0 0
STRYKER CORP Equity 863667101 794 3,920 SH   SOLE   3,920 0 0
CONOCOPHILLIPS Equity 20825C104 791 7,734 SH   SOLE   7,734 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 692 11,437 SH   SOLE   11,438 0 0
EXELON CORPORATION Equity 30161N101 662 17,665 SH   SOLE   17,665 0 0
ISHARES MSCI EAFE ETF Equity 464287465 660 11,775 SH   SOLE   11,775 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 626 59,026 SH   SOLE   59,026 0 0
VANGUARD MID CAP ETF Equity 922908629 617 3,280 SH   SOLE   3,280 0 0
WALT DISNEY CO Equity 254687106 614 6,506 SH   SOLE   6,506 0 0
ELI LILLY & COMPANY Equity 532457108 582 1,800 SH   SOLE   1,800 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 568 5,300 SH   SOLE   5,300 0 0
PHILIP MORRIS INTL Equity 718172109 562 6,773 SH   SOLE   6,773 0 0
EBAY INC Equity 278642103 554 15,045 SH   SOLE   15,045 0 0
BANK OF AMERICA CORP Equity 060505104 550 18,198 SH   SOLE   18,198 0 0
PEPSICO INCORPORATED Equity 713448108 545 3,340 SH   SOLE   3,340 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 524 34,844 SH   SOLE   34,844 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109 514 1,790 SH   SOLE   1,790 0 0
NOVARTIS AG FADR Equity 66987V109 504 6,635 SH   SOLE   6,635 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 504 8,000 SH   SOLE   8,000 0 0
CHEVRON CORPORATION Equity 166764100 494 3,437 SH   SOLE   3,437 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 482 5,491 SH   SOLE   5,491 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 478 7,300 SH   SOLE   7,300 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 478 2,180 SH   SOLE   2,180 0 0
VALE SA ADR Equity 91912E105 461 34,600 SH   SOLE   34,600 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 445 6,235 SH   SOLE   6,235 0 0
NVIDIA Equity 67066G104 427 3,520 SH   SOLE   3,520 0 0
WORKDAY, INC Equity 98138H101 418 2,748 SH   SOLE   2,748 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 397 3,878 SH   SOLE   3,879 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 388 13,600 SH   SOLE   13,600 0 0
MARVELL TECH GROUP Equity G5876H106 378 8,800 SH   SOLE   8,800 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 366 4,466 SH   SOLE   4,466 0 0
COSTCO WHOLESALE Equity 22160K105 357 755 SH   SOLE   755 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 351 3,450 SH   SOLE   3,450 0 0
ADOBE Equity 00724F101 338 1,227 SH   SOLE   1,227 0 0
VICTORIA SECRET & CO Equity 926400102 337 11,569 SH   SOLE   11,569 0 0
HUNTINGTON BANCSHS Equity 446150104 304 23,081 SH   SOLE   23,081 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 284 1,120 SH   SOLE   1,121 0 0
PRINCIPAL FINL Equity 74251V102 283 3,925 SH   SOLE   3,925 0 0
FACEBOOK Equity 30303M102 282 2,080 SH   SOLE   2,080 0 0
ISHARES US ENERGY ETF Equity 464287796 279 7,100 SH   SOLE   7,100 0 0
ISHARES MBS ETF Equity 464288588 275 3,000 SH   SOLE   3,000 0 0
ISHARES TIPS BOND ETF Equity 464287176 274 2,610 SH   SOLE   2,610 0 0
TARGET CORP Equity 87612E106 273 1,841 SH   SOLE   1,841 0 0
SPDR BLOOMBG EMERGING MKT BOND ETF Equity 78468R515 271 12,375 SH   SOLE   12,375 0 0
ALTRIA GROUP INC Equity 02209S103 268 6,636 SH   SOLE   6,636 0 0
KINDER MORGAN INC Equity 49456B101 263 15,787 SH   SOLE   15,787 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 252 8,015 SH   SOLE   8,015 0 0
MONDELEZ INTL CLASS A Equity 609207105 248 4,528 SH   SOLE   4,528 0 0
GENERAL MOTORS CO Equity 37045V100 248 7,728 SH   SOLE   7,728 0 0
DELTA AIRLINES Equity 247361702 238 8,495 SH   SOLE   8,495 0 0
MEDTRONIC PLC F Equity G5960L103 236 2,927 SH   SOLE   2,927 0 0
PEMBINA PIPELINE CO F Equity 706327103 228 7,507 SH   SOLE   7,507 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 224 1,600 SH   SOLE   1,600 0 0
ZOETIS INC Equity 98978V103 223 1,505 SH   SOLE   1,505 0 0
PHILLIPS 66 Equity 718546104 219 2,710 SH   SOLE   2,710 0 0
CONSTELLATION ENERGY CORP Equity 210371100 219 2,628 SH   SOLE   2,628 0 0
AMERIPRISE FINANCIAL Equity 03076C106 214 850 SH   SOLE   850 0 0
TENCENT HOLDINGS Equity 88032XAD6 210 6,200 SH   SOLE   6,200 0 0
ILLINOIS TOOL WORKS Equity 452308109 206 1,138 SH   SOLE   1,138 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 199 9,375 SH   SOLE   9,375 0 0
MARATHON PETROLEUM Equity 56585A102 199 2,000 SH   SOLE   2,000 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 191 6,300 SH   SOLE   6,300 0 0
VANGUARD S&P 500 ETF Equity 922908363 190 580 SH   SOLE   580 0 0
HERSHEYS CO Equity 427866108 190 860 SH   SOLE   860 0 0
LABCORP OF AMERICA Equity 50540R409 189 925 SH   SOLE   925 0 0
EDWARD LIFESCIENCES Equity 28176E108 188 2,280 SH   SOLE   2,280 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 188 8,322 SH   SOLE   8,322 0 0
ECOLAB Equity 278865100 183 1,265 SH   SOLE   1,265 0 0
MARSH & MCLENNAN CO Equity 571748102 174 1,168 SH   SOLE   1,168 0 0
VMWARE INC Equity 928563402 172 1,615 SH   SOLE   1,615 0 0
ZOOM VIDEO COMMUNICATIONS Equity 98980L101 171 2,325 SH   SOLE   2,325 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 165 14,500 SH   SOLE   14,500 0 0
TEXAS INSTRUMENTS Equity 882508104 159 1,028 SH   SOLE   1,028 0 0
CHURCH & DWIGHT Equity 171340102 155 2,175 SH   SOLE   2,175 0 0
INTERCONTINENTAL INC Equity 45866F104 153 1,690 SH   SOLE   1,690 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 151 1,903 SH   SOLE   1,903 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 143 11,550 SH   SOLE   11,550 0 0
APPLIED MATERIALS Equity 038222105 141 1,725 SH   SOLE   1,725 0 0
DELL TECHNOLOGIES Equity 24703L202 140 4,100 SH   SOLE   4,100 0 0
ISHARES CORE MSCI EMERGING MKT ETF Equity 46434G103 139 3,225 SH   SOLE   3,225 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 138 1,075 SH   SOLE   1,075 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 136 510 SH   SOLE   510 0 0
ISHARES S&P 600 ETF Equity 464287879 132 1,600 SH   SOLE   1,600 0 0
AUTO DATA PROCESSING Equity 053015103 131 579 SH   SOLE   579 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 130 12,700 SH   SOLE   12,700 0 0
TORO CORP Equity 891092108 129 1,490 SH   SOLE   1,490 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Equity 739371813 127 1,000 SH   SOLE   1,000 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 127 4,145 SH   SOLE   4,145 0 0
CSX CORP Equity 126408103 127 4,751 SH   SOLE   4,751 0 0
VANGUARD MEGA CAP ETF Equity 921910873 125 1,000 SH   SOLE   1,000 0 0
AMERICAN EXPRESS Equity 025816109 123 915 SH   SOLE   915 0 0
ISHARES US FINL SERVICE ETF Equity 464287770 122 862 SH   SOLE   862 0 0
BIOGEN INC Equity 09062X103 121 452 SH   SOLE   452 0 0
BROADCOM INC Equity Y09827109 120 271 SH   SOLE   271 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 120 775 SH   SOLE   775 0 0
ROPER TECHNOLOGIES Equity 776696106 120 333 SH   SOLE   333 0 0
VANGUARD SHORT TERM BOND ETF Equity 921937827 119 1,584 SH   SOLE   1,584 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 115 700 SH   SOLE   700 0 0
ABBOTT LABORATORIES Equity 002824100 112 1,154 SH   SOLE   1,154 0 0
BT GROUP PLC Equity G16612106 110 82,000 SH   SOLE   82,000 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 110 4,250 SH   SOLE   4,250 0 0
WEC ENERGY GROUP Equity 976657106 103 1,151 SH   SOLE   1,151 0 0
ACCENTURE Equity G1151C101 103 400 SH   SOLE   400 0 0