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
AGNC INVT CORP COM 00123Q104   211,284 21,342 SH   SOLE 0 0 0 21,342
ARK ETF TR INNOVATION ETF 00214Q104   214,677 4,287 SH   SOLE 0 0 0 4,287
ALPHABET INC CAP STK CL C 02079K107   474,290 3,115 SH   SOLE 0 0 0 3,115
AMAZON COM INC COM 023135106   550,881 3,054 SH   SOLE 0 0 0 3,054
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   3,140,235 159,484 SH   SOLE 0 0 0 159,484
APPLE INC COM 037833100   2,553,782 14,893 SH   SOLE 0 0 0 14,893
AUTOMATIC DATA PROCESSING IN COM 053015103   289,842 1,161 SH   SOLE 0 0 0 1,161
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,622,359 8,614 SH   SOLE 0 0 0 8,614
BLACKROCK INVT QUALITY MUN T COM 09247D105   366,115 29,502 SH   SOLE 0 0 0 29,502
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   294,875 28,545 SH   SOLE 0 0 0 28,545
BLACKROCK MUNI INCOME TR II COM 09249N101   112,111 10,323 SH   SOLE 0 0 0 10,323
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,724,301 225,522 SH   SOLE 0 0 0 225,522
BLACKROCK MUNICIPAL INCOME COM 09253X102   453,918 37,638 SH   SOLE 0 0 0 37,638
BLACKROCK MUNIYILD QULT FD I COM 09254F100   290,141 23,685 SH   SOLE 0 0 0 23,685
BLACKROCK MUNIYIELD MICH QU COM 09254V105   364,971 31,709 SH   SOLE 0 0 0 31,709
CSX CORP COM 126408103   283,441 7,646 SH   SOLE 0 0 0 7,646
CATERPILLAR INC COM 149123101   393,471 1,074 SH   SOLE 0 0 0 1,074
CHEVRON CORP NEW COM 166764100   332,818 2,110 SH   SOLE 0 0 0 2,110
COCA COLA CO COM 191216100   313,714 5,128 SH   SOLE 0 0 0 5,128
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   373,896 12,372 SH   SOLE 0 0 0 12,372
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   139,708 13,630 SH   SOLE 0 0 0 13,630
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   794,994 50,540 SH   SOLE 0 0 0 50,540
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   6,282,501 132,041 SH   SOLE 0 0 0 132,041
GRACO INC COM 384109104   397,991 4,258 SH   SOLE 0 0 0 4,258
HOME DEPOT INC COM 437076102   437,622 1,141 SH   SOLE 0 0 0 1,141
INVESCO QQQ TR UNIT SER 1 46090E103   2,533,317 5,706 SH   SOLE 0 0 0 5,706
INVESCO MUNICIPAL TRUST COM 46131J103   236,185 24,349 SH   SOLE 0 0 0 24,349
INVESCO QUALITY MUN INCOME T COM 46133G107   235,892 24,369 SH   SOLE 0 0 0 24,369
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   277,188 4,208 SH   SOLE 0 0 0 4,208
ISHARES TR CORE S&P500 ETF 464287200   205,035 390 SH   SOLE 0 0 0 390
ISHARES TR CORE S&P SCP ETF 464287804   319,122 2,887 SH   SOLE 0 0 0 2,887
ISHARES TR MODERT ALLOC ETF 464289875   271,834 6,354 SH   SOLE 0 0 0 6,354
JPMORGAN CHASE & CO COM 46625H100   396,953 1,982 SH   SOLE 0 0 0 1,982
JOHNSON & JOHNSON COM 478160104   609,835 3,855 SH   SOLE 0 0 0 3,855
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   229,129 14,014 SH   SOLE 0 0 0 14,014
MCDONALDS CORP COM 580135101   335,218 1,189 SH   SOLE 0 0 0 1,189
MERCK & CO INC COM 58933Y105   226,321 1,715 SH   SOLE 0 0 0 1,715
MICROSOFT CORP COM 594918104   241,963 575 SH   SOLE 0 0 0 575
NUVEEN AMT FREE QLTY MUN INC COM 670657105   165,956 14,992 SH   SOLE 0 0 0 14,992
NVIDIA CORPORATION COM 67066G104   716,601 793 SH   SOLE 0 0 0 793
NUVEEN QUALITY MUNCP INCOME COM 67066V101   247,439 21,592 SH   SOLE 0 0 0 21,592
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   1,077,467 88,028 SH   SOLE 0 0 0 88,028
NUVEEN AMT FREE MUN CR INC F COM 67071L106   415,445 34,193 SH   SOLE 0 0 0 34,193
OTTER TAIL CORP COM 689648103   231,396 2,678 SH   SOLE 0 0 0 2,678
PIMCO NEW YORK MUN INCOME FD COM 72200T103   121,551 15,745 SH   SOLE 0 0 0 15,745
PROCTER AND GAMBLE CO COM 742718109   557,299 3,435 SH   SOLE 0 0 0 3,435
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   221,115 3,311 SH   SOLE 0 0 0 3,311
SPDR SER TR S&P DIVID ETF 78464A763   310,692 2,367 SH   SOLE 0 0 0 2,367
SPDR SER TR PORTFOLI S&P1500 78464A805   17,722,081 276,260 SH   SOLE 0 0 0 276,260
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   40,041,663 655,883 SH   SOLE 0 0 0 655,883
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,782,940 28,729 SH   SOLE 0 0 0 28,729
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,047,268 32,865 SH   SOLE 0 0 0 32,865
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,771,545 21,755 SH   SOLE 0 0 0 21,755
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,706,986 95,593 SH   SOLE 0 0 0 95,593
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   1,130,999 23,402 SH   SOLE 0 0 0 23,402
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,037,183 37,668 SH   SOLE 0 0 0 37,668
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   294,037 7,536 SH   SOLE 0 0 0 7,536
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,793,317 38,985 SH   SOLE 0 0 0 38,985
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   212,124 4,400 SH   SOLE 0 0 0 4,400
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305   658,262 19,144 SH   SOLE 0 0 0 19,144
UNION PAC CORP COM 907818108   418,351 1,701 SH   SOLE 0 0 0 1,701
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   19,075,459 104,460 SH   SOLE 0 0 0 104,460
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   938,202 3,079 SH   SOLE 0 0 0 3,079
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,121,441 6,214 SH   SOLE 0 0 0 6,214
VANGUARD WELLINGTON FD US MINIMUM 921935409   1,295,904 11,582 SH   SOLE 0 0 0 11,582
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   392,803 7,829 SH   SOLE 0 0 0 7,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,082,020 8,943 SH   SOLE 0 0 0 8,943
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   8,527,013 104,587 SH   SOLE 0 0 0 104,587
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   686,747 13,860 SH   SOLE 0 0 0 13,860
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,152,866 10,433 SH   SOLE 0 0 0 10,433
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   670,797 11,437 SH   SOLE 0 0 0 11,437
VANGUARD WORLD FD CONSUM STP ETF 92204A207   90,381,807 442,744 SH   SOLE 0 0 0 442,744
VANGUARD WORLD FD ENERGY ETF 92204A306   560,226 4,254 SH   SOLE 0 0 0 4,254
VANGUARD WORLD FD FINANCIALS ETF 92204A405   491,079 4,796 SH   SOLE 0 0 0 4,796
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   362,721 1,341 SH   SOLE 0 0 0 1,341
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   31,917,472 130,729 SH   SOLE 0 0 0 130,729
VANGUARD WORLD FD INF TECH ETF 92204A702   49,298,581 94,020 SH   SOLE 0 0 0 94,020
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   773,100 10,000 SH   SOLE 0 0 0 10,000
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   1,086,758 4,665 SH   SOLE 0 0 0 4,665
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   969,724 4,069 SH   SOLE 0 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   754,814 9,375 SH   SOLE 0 0 0 9,375
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   474,471 9,377 SH   SOLE 0 0 0 9,377
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   59,092,871 122,931 SH   SOLE 0 0 0 122,931
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   246,755 2,853 SH   SOLE 0 0 0 2,853
VANGUARD INDEX FDS SML CP GRW ETF 922908595   785,100 3,011 SH   SOLE 0 0 0 3,011
VANGUARD INDEX FDS SM CP VAL ETF 922908611   984,068 5,129 SH   SOLE 0 0 0 5,129
VANGUARD INDEX FDS MID CAP ETF 922908629   314,628 1,259 SH   SOLE 0 0 0 1,259
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   7,210,349 41,139 SH   SOLE 0 0 0 41,139
VANGUARD INDEX FDS GROWTH ETF 922908736   3,151,389 9,156 SH   SOLE 0 0 0 9,156
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,601,562 7,006 SH   SOLE 0 0 0 7,006
VANGUARD INDEX FDS TOTAL STK MKT 922908769   31,681,610 121,899 SH   SOLE 0 0 0 121,899
WEC ENERGY GROUP INC COM 92939U106   241,269 2,938 SH   SOLE 0 0 0 2,938
WALMART INC COM 931142103   919,995 15,290 SH   SOLE 0 0 0 15,290
WESTERN ASSET MANAGED MUNS F COM 95766M105   416,908 39,896 SH   SOLE 0 0 0 39,896