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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
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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
APPLE INC Equity 037833100   12,968,396 78,644 SH   SOLE   78,644 0 0
MICROSOFT CORP Equity 594918104   9,924,722 34,425 SH   SOLE   34,425 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655   9,684,418 192,189 SH   SOLE   192,189 0 0
ALPHABET INC. CLASS C Equity 02079K107   6,891,905 66,268 SH   SOLE   66,268 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409   6,642,310 87,135 SH   SOLE   87,135 0 0
VANGUARD VALUE ETF Equity 922908744   5,825,157 42,178 SH   SOLE   42,178 0 0
SPDR S&P 500 ETF Equity 78462F103   5,741,523 14,025 SH   SOLE   14,025 0 0
JPMORGAN CHASE & CO Equity 46625H100   5,648,548 43,347 SH   SOLE   43,347 0 0
JOHNSON & JOHNSON Equity 478160104   5,301,775 34,205 SH   SOLE   34,205 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805   5,049,740 145,107 SH   SOLE   145,107 0 0
CISCO SYSTEMS INC Equity 17275R102   4,607,750 88,136 SH   SOLE   88,136 0 0
PROCTER & GAMBLE Equity 742718109   4,454,009 29,955 SH   SOLE   29,955 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706   4,066,617 165,849 SH   SOLE   165,849 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858   4,038,958 89,417 SH   SOLE   89,417 0 0
CATERPILLAR INC Equity 149123101   3,961,678 17,312 SH   SOLE   17,312 0 0
CVS HEALTH CORP Equity 126650100   3,875,267 52,150 SH   SOLE   52,150 0 0
AMGEN INCORPORATED Equity 031162100   3,676,776 15,209 SH   SOLE   15,209 0 0
HOME DEPOT INC Equity 437076102   3,316,263 11,237 SH   SOLE   11,237 0 0
SCHWAB US SMALL CAP ETF Equity 808524607   3,300,463 78,714 SH   SOLE   78,714 0 0
MC DONALDS CORP Equity 580135101   3,227,259 11,542 SH   SOLE   11,542 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473   3,186,000 30,000 SH   SOLE   30,000 0 0
CITIGROUP INC Equity 172967424   3,173,890 67,688 SH   SOLE   67,688 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242   3,123,629 28,498 SH   SOLE   28,498 0 0
PFIZER INCORPORATED Equity 717081103   3,078,401 75,451 SH   SOLE   75,451 0 0
CHARLES SCHWAB CORP Equity 808513105   3,065,016 58,515 SH   SOLE   58,515 0 0
ORACLE CORPORATION Equity 68389X105   3,016,462 32,463 SH   SOLE   32,463 0 0
GILEAD SCIENCES INC Equity 375558103   2,823,884 34,035 SH   SOLE   34,035 0 0
EXXON MOBIL CORP Equity 30231G102   2,818,591 25,703 SH   SOLE   25,703 0 0
SCHWAB US LARGE CAP ETF Equity 808524201   2,777,226 57,416 SH   SOLE   57,416 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858   2,728,951 67,548 SH   SOLE   67,548 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102   2,675,383 55,912 SH   SOLE   55,912 0 0
ALPHABET INC. CLASS A Equity 02079K305   2,650,302 25,550 SH   SOLE   25,550 0 0
INTEL CORP Equity 458140100   2,580,113 78,975 SH   SOLE   78,975 0 0
QUALCOMM INC Equity 747525103   2,569,972 20,144 SH   SOLE   20,144 0 0
NIKE INC CLASS B Equity 654106103   2,517,799 20,530 SH   SOLE   20,530 0 0
KRAFT HEINZ CO Equity 500754106   2,512,235 64,966 SH   SOLE   64,966 0 0
TERADYNE INCORPORATED Equity 880770102   2,496,920 23,225 SH   SOLE   23,225 0 0
MERCK & CO INC Equity 58933Y105   2,468,993 23,207 SH   SOLE   23,207 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281   2,432,924 28,198 SH   SOLE   28,198 0 0
BOEING CO Equity 097023105   2,417,241 11,379 SH   SOLE   11,379 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611   2,391,615 15,064 SH   SOLE   15,064 0 0
FEDEX CORPORATION Equity 31428X106   2,238,745 9,798 SH   SOLE   9,798 0 0
EMERSON ELECTRIC CO Equity 291011104   2,194,621 25,185 SH   SOLE   25,185 0 0
LOCKHEED MARTIN CORP Equity 539830109   2,110,739 4,465 SH   SOLE   4,465 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107   1,993,584 4,349 SH   SOLE   4,349 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687   1,985,120 63,585 SH   SOLE   63,585 0 0
COCA COLA COMPANY Equity 191216100   1,983,409 31,975 SH   SOLE   31,975 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103   1,952,417 25,710 SH   SOLE   25,710 0 0
CLIFFS NATURAL RES Equity 18383K101   1,900,821 103,700 SH   SOLE   103,700 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408   1,857,411 74,775 SH   SOLE   74,775 0 0
BAIDU COM INC ADR Equity 056752108   1,830,961 12,132 SH   SOLE   12,132 0 0
JP MORGAN EMERGING MKT BOND LC ETF Equity 464286251   1,821,897 41,825 SH   SOLE   41,825 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804   1,778,675 18,394 SH   SOLE   18,394 0 0
DIAGEO PLC ADR Equity G42089113   1,777,195 9,809 SH   SOLE   9,809 0 0
FORD MOTOR COMPANY Equity 345370860   1,770,930 140,550 SH   SOLE   140,550 0 0
VISA INC CLASS A Equity 92826C839   1,734,915 7,695 SH   SOLE   7,695 0 0
BLACKROCK INC Equity 09247X101   1,724,991 2,578 SH   SOLE   2,578 0 0
GOLDMAN SACHS GROUP Equity 38141G104   1,711,440 5,232 SH   SOLE   5,232 0 0
ONEOAK INC Equity 682680103   1,689,211 26,585 SH   SOLE   26,585 0 0
ISHARES S&P 100 ETF Equity 464287101   1,682,191 8,994 SH   SOLE   8,994 0 0
UNITED HEALTHCARE GROUP Equity 91324P102   1,672,969 3,540 SH   SOLE   3,540 0 0
BECTON DICKINSON&CO Equity 075887109   1,669,657 6,745 SH   SOLE   6,745 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646   1,635,510 32,361 SH   SOLE   32,361 0 0
ABBVIE INC Equity 00287Y109   1,585,732 9,950 SH   SOLE   9,950 0 0
VANGUARD TOTAL BOND MARKET ETF Equity 921937835   1,573,170 21,308 SH   SOLE   21,308 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409   1,569,550 23,933 SH   SOLE   23,933 0 0
VANGUARD SMALL CAP ETF Equity 922908751   1,441,035 7,602 SH   SOLE   7,602 0 0
VERIZON COMMUNICATN Equity 92343V104   1,419,796 36,508 SH   SOLE   36,508 0 0
LOWES COMPANIES INC Equity 548661107   1,411,182 7,057 SH   SOLE   7,057 0 0
FREEPORT MCMORAN Equity 35671D857   1,392,372 34,035 SH   SOLE   34,035 0 0
A T & T INC Equity 00206R102   1,363,343 70,823 SH   SOLE   70,823 0 0
BATH & BODY WORKS, INC. Equity 070830104   1,347,790 36,845 SH   SOLE   36,845 0 0
REALTY INCM CORP REIT Equity 756109104   1,345,233 21,245 SH   SOLE   21,245 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204   1,330,365 270,950 SH   SOLE   270,950 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769   1,310,193 6,419 SH   SOLE   6,419 0 0
ISHARES CHINA LARGE CAP ETF Equity 464287184   1,272,743 43,100 SH   SOLE   43,100 0 0
ISHARES CORE S&P 500 ETF Equity 464287200   1,220,908 2,970 SH   SOLE   2,970 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481   1,138,125 12,500 SH   SOLE   12,500 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810   1,119,936 15,200 SH   SOLE   15,200 0 0
STRYKER CORP Equity 863667101   1,119,042 3,920 SH   SOLE   3,920 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844   1,099,631 7,140 SH   SOLE   7,140 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866   1,052,440 27,230 SH   SOLE   27,230 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702   1,037,467 3,360 SH   SOLE   3,360 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103   983,948 44,786 SH   SOLE   44,786 0 0
HONEYWELL INTL INC Equity 438516106   968,978 5,070 SH   SOLE   5,070 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105   965,599 85,225 SH   SOLE   85,225 0 0
WAL-MART STORES INC Equity 931142103   951,790 6,455 SH   SOLE   6,455 0 0
BRISTOL MYLERS SQUIBB Equity 110122108   938,735 13,544 SH   SOLE   13,544 0 0
ISHARES JPMORGAN EM LCL ETF Equity 464286517   933,695 25,900 SH   SOLE   25,900 0 0
NUTRIEN Equity 67077M108   894,840 12,117 SH   SOLE   12,117 0 0
AMAZON Equity 023135106   860,199 8,328 SH   SOLE   8,328 0 0
ISHARES MSCI EAFE ETF Equity 464287465   851,088 11,900 SH   SOLE   11,900 0 0
WORKDAY, INC Equity 98138H101   817,898 3,960 SH   SOLE   3,960 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102   801,193 7,841 SH   SOLE   7,841 0 0
WALT DISNEY CO Equity 254687106   796,634 7,956 SH   SOLE   7,956 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508   792,347 11,678 SH   SOLE   11,678 0 0
VANGUARD MID CAP ETF Equity 922908629   755,094 3,580 SH   SOLE   3,580 0 0
EXELON CORPORATION Equity 30161N101   739,987 17,665 SH   SOLE   17,665 0 0
PHILIP MORRIS INTL Equity 718172109   709,244 7,293 SH   SOLE   7,293 0 0
CONOCOPHILLIPS Equity 20825C104   697,942 7,035 SH   SOLE   7,035 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407   690,429 16,565 SH   SOLE   16,565 0 0
EBAY INC Equity 278642103   668,966 15,077 SH   SOLE   15,077 0 0
VALE SA ADR Equity 91912E105   653,655 41,423 SH   SOLE   41,423 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168   621,054 5,300 SH   SOLE   5,300 0 0
PEPSICO INCORPORATED Equity 713448108   615,080 3,374 SH   SOLE   3,374 0 0
VANGUARD S&P 500 ETF Equity 922908363   612,994 1,630 SH   SOLE   1,630 0 0
NOVARTIS AG FADR Equity 66987V109   610,420 6,635 SH   SOLE   6,635 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417   603,647 6,503 SH   SOLE   6,503 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109   595,390 1,790 SH   SOLE   1,790 0 0
VANGUARD GROWTH ETF Equity 922908736   591,921 2,373 SH   SOLE   2,373 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105   590,628 53,114 SH   SOLE   53,114 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606   572,080 8,000 SH   SOLE   8,000 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507   545,349 2,180 SH   SOLE   2,180 0 0
ELI LILLY & COMPANY Equity 532457108   537,109 1,564 SH   SOLE   1,564 0 0
PHYSICIANS REALTY TRUST Equity 71943U104   535,151 35,844 SH   SOLE   35,844 0 0
BANK OF AMERICA CORP Equity 060505104   522,865 18,282 SH   SOLE   18,282 0 0
BP PLC FUNSPONSORED ADR Equity 055622104   507,144 13,367 SH   SOLE   13,367 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946811   495,498 6,725 SH   SOLE   6,725 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513   482,387 6,385 SH   SOLE   6,385 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109   466,734 4,766 SH   SOLE   4,766 0 0
CHEVRON CORPORATION Equity 166764100   461,090 2,826 SH   SOLE   2,826 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886   439,985 6,500 SH   SOLE   6,500 0 0
COSTCO WHOLESALE Equity 22160K105   380,602 766 SH   SOLE   766 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887   379,293 3,450 SH   SOLE   3,450 0 0
ALTRIA GROUP INC Equity 02209S103   378,645 8,486 SH   SOLE   8,486 0 0
HANESBRAND INC Equity 410345102   375,433 71,375 SH   SOLE   71,375 0 0
META PLATFORMS Equity 30303M102   367,080 1,732 SH   SOLE   1,732 0 0
SPDR BLOOMBG EMERGING MKT BOND ETF Equity 78468R515   354,620 14,875 SH   SOLE   14,875 0 0
VICTORIA SECRET & CO Equity 926400102   337,095 9,871 SH   SOLE   9,871 0 0
ISHARES TIPS BOND ETF Equity 464287176   326,427 2,961 SH   SOLE   2,961 0 0
MONDELEZ INTL CLASS A Equity 609207105   315,692 4,528 SH   SOLE   4,528 0 0
ISHARES US ENERGY ETF Equity 464287796   310,625 7,100 SH   SOLE   7,100 0 0
ISHARES US HEALTHCARE ETF Equity 464287762   306,103 1,121 SH   SOLE   1,121 0 0
DELTA AIRLINES Equity 247361702   296,645 8,495 SH   SOLE   8,495 0 0
GENERAL MOTORS CO Equity 37045V100   284,380 7,753 SH   SOLE   7,753 0 0
VANGUARD MUNI BOND ETF Equity 922907746   281,163 5,550 SH   SOLE   5,550 0 0
ILLINOIS TOOL WORKS Equity 452308109   279,481 1,148 SH   SOLE   1,148 0 0
3M CO Equity 88579Y101   279,067 2,655 SH   SOLE   2,655 0 0
ADOBE Equity 00724F101   278,623 723 SH   SOLE   723 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108   277,159 8,015 SH   SOLE   8,015 0 0
MARATHON PETROLEUM Equity 56585A102   269,660 2,000 SH   SOLE   2,000 0 0
MARRIOTT INTL INC CLASS A Equity 571903202   265,664 1,600 SH   SOLE   1,600 0 0
OCCIDENTAL PETROLEUM Equity 674599105   262,206 4,200 SH   SOLE   4,200 0 0
AMERIPRISE FINANCIAL Equity 03076C106   262,058 855 SH   SOLE   855 0 0
PRINCIPAL FINL Equity 74251V102   260,120 3,500 SH   SOLE   3,500 0 0
HUNTINGTON BANCSHS Equity 446150104   258,507 23,081 SH   SOLE   23,081 0 0
PHILLIPS 66 Equity 718546104   255,478 2,520 SH   SOLE   2,520 0 0
ZOETIS INC Equity 98978V103   255,153 1,533 SH   SOLE   1,533 0 0
BIOHAVEN LTD Equity G1110E107   241,782 17,700 SH   SOLE   17,700 0 0
KINDER MORGAN INC Equity 49456B101   241,568 13,796 SH   SOLE   13,796 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848   241,219 9,375 SH   SOLE   9,375 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105   241,145 21,550 SH   SOLE   21,550 0 0
HERSHEYS CO Equity 427866108   218,793 860 SH   SOLE   860 0 0
LABCORP OF AMERICA Equity 50540R409   215,884 941 SH   SOLE   941 0 0
APPLIED MATERIALS Equity 038222105   211,882 1,725 SH   SOLE   1,725 0 0
ECOLAB Equity 278865100   209,395 1,265 SH   SOLE   1,265 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605   202,545 6,300 SH   SOLE   6,300 0 0
VMWARE INC Equity 928563402   201,633 1,615 SH   SOLE   1,615 0 0
MARSH & MCLENNAN CO Equity 571748102   196,696 1,181 SH   SOLE   1,181 0 0
TEXAS INSTRUMENTS Equity 882508104   194,566 1,046 SH   SOLE   1,046 0 0
CHURCH & DWIGHT Equity 171340102   192,292 2,175 SH   SOLE   2,175 0 0
EDWARD LIFESCIENCES Equity 28176E108   188,624 2,280 SH   SOLE   2,280 0 0
PEMBINA PIPELINE CO F Equity 706327103   179,237 5,532 SH   SOLE   5,532 0 0
INTERCONTINENTAL INC Equity 45866F104   176,250 1,690 SH   SOLE   1,690 0 0
BROADCOM INC Equity Y09827109   175,782 274 SH   SOLE   274 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448   175,378 6,380 SH   SOLE   6,380 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425   172,126 1,903 SH   SOLE   1,903 0 0
TORO CORP Equity 891092108   165,628 1,490 SH   SOLE   1,490 0 0
DELL TECHNOLOGIES Equity 24703L202   164,861 4,100 SH   SOLE   4,100 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104   163,674 510 SH   SOLE   510 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408   163,142 1,075 SH   SOLE   1,075 0 0
MEDTRONIC PLC F Equity G5960L103   161,321 2,001 SH   SOLE   2,001 0 0
ISHARES US FINL SERVICE ETF Equity 464287770   160,320 1,062 SH   SOLE   1,062 0 0
ISHARES CORE MSCI EMERGING MKT ETF Equity 46434G103   157,348 3,225 SH   SOLE   3,225 0 0
AMERICAN EXPRESS Equity 025816109   154,228 935 SH   SOLE   935 0 0
ROPER TECHNOLOGIES Equity 776696106   150,716 342 SH   SOLE   342 0 0
ISHARES S&P 600 ETF Equity 464287879   149,744 1,600 SH   SOLE   1,600 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Equity 739371813   144,620 1,000 SH   SOLE   1,000 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655   143,612 805 SH   SOLE   805 0 0
CSX CORP Equity 126408103   143,152 4,781 SH   SOLE   4,781 0 0
VANGUARD MEGA CAP ETF Equity 921910873   143,140 1,000 SH   SOLE   1,000 0 0
SPDRS GOLD SHARES ETF Equity 78463V107   141,996 775 SH   SOLE   775 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663   140,889 4,145 SH   SOLE   4,145 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889   136,510 4,250 SH   SOLE   4,250 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102   133,731 12,700 SH   SOLE   12,700 0 0
AUTO DATA PROCESSING Equity 053015103   128,903 579 SH   SOLE   579 0 0
BIOGEN INC Equity 09062X103   125,670 452 SH   SOLE   452 0 0
VANGUARD ALL WORLD SMALL CAP ETF Equity 922042718   122,677 1,123 SH   SOLE   1,123 0 0
ACCENTURE Equity G1151C101   121,183 424 SH   SOLE   424 0 0
ABBOTT LABORATORIES Equity 002824100   120,702 1,192 SH   SOLE   1,192 0 0
ISHARES CORE MSCI EAFE ETF Equity 46432F842   119,929 1,794 SH   SOLE   1,794 0 0
WEC ENERGY GROUP Equity 976657106   109,103 1,151 SH   SOLE   1,151 0 0
ISHARES BIOTECHNOLOGY ETF Equity 464287556   107,203 830 SH   SOLE   830 0 0
CONSTELLATION ENERGY CORP Equity 210371100   102,992 1,312 SH   SOLE   1,312 0 0
STARBUCKS CORP Equity 855244109   101,110 971 SH   SOLE   971 0 0
INVESCO CLEAN ENERGY ETF Equity 73935X500   101,025 2,500 SH   SOLE   2,500 0 0