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
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 51,710 557,464 SH   SOLE   0 0 557,464
MICROSOFT CORP COM 594918104 35,266 104,859 SH   SOLE   0 0 104,859
APPLE INC COM 037833100 34,593 194,813 SH   SOLE   0 0 194,813
ALPHABET INC CAP STK CL C 02079K107 31,810 10,993 SH   SOLE   0 0 10,993
UNITEDHEALTH GROUP INC COM 91324P102 25,707 51,195 SH   SOLE   0 0 51,195
HOME DEPOT INC COM 437076102 25,691 61,905 SH   SOLE   0 0 61,905
BK OF AMERICA CORP COM 060505104 25,119 564,598 SH   SOLE   0 0 564,598
ABBVIE INC COM 00287Y109 24,715 182,532 SH   SOLE   0 0 182,532
SELECT SECTOR SPDR TR ENERGY 81369Y506 24,367 439,041 SH   SOLE   0 0 439,041
TARGET CORP COM 87612E106 24,255 104,799 SH   SOLE   0 0 104,799
JPMORGAN CHASE & CO COM 46625H100 24,201 152,834 SH   SOLE   0 0 152,834
MORGAN STANLEY COM NEW 617446448 24,041 244,919 SH   SOLE   0 0 244,919
BROADCOM INC COM 11135F101 23,802 35,770 SH   SOLE   0 0 35,770
NEXTERA ENERGY INC COM 65339F101 22,162 237,380 SH   SOLE   0 0 237,380
UNITED PARCEL SERVICE INC CL B 911312106 20,344 94,916 SH   SOLE   0 0 94,916
JOHNSON & JOHNSON COM 478160104 19,593 114,535 SH   SOLE   0 0 114,535
TEXAS INSTRS INC COM 882508104 19,180 101,769 SH   SOLE   0 0 101,769
MCDONALDS CORP COM 580135101 18,408 68,668 SH   SOLE   0 0 68,668
PAYCHEX INC COM 704326107 17,871 130,922 SH   SOLE   0 0 130,922
COMCAST CORP NEW CL A 20030N101 15,841 314,741 SH   SOLE   0 0 314,741
AMAZON COM INC COM 023135106 15,618 4,684 SH   SOLE   0 0 4,684
VISA INC COM CL A 92826C839 15,306 70,628 SH   SOLE   0 0 70,628
COSTCO WHSL CORP NEW COM 22160K105 14,350 25,277 SH   SOLE   0 0 25,277
VERIZON COMMUNICATIONS INC COM 92343V104 13,887 267,270 SH   SOLE   0 0 267,270
PEPSICO INC COM 713448108 13,187 75,912 SH   SOLE   0 0 75,912
CATERPILLAR INC COM 149123101 12,990 62,834 SH   SOLE   0 0 62,834
ABBOTT LABS COM 002824100 12,975 92,192 SH   SOLE   0 0 92,192
MEDTRONIC PLC SHS G5960L103 12,747 123,218 SH   SOLE   0 0 123,218
PHILIP MORRIS INTL INC COM 718172109 12,268 129,133 SH   SOLE   0 0 129,133
BLACKROCK INC COM 09247X101 11,057 12,076 SH   SOLE   0 0 12,076
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 7,448 82,200 SH   SOLE   0 0 82,200
ADOBE SYSTEMS INCORPORATED COM 00724F101 6,852 12,084 SH   SOLE   0 0 12,084
DOW INC COM 260557103 5,943 104,778 SH   SOLE   0 0 104,778
AMGEN INC COM 031162100 5,935 26,383 SH   SOLE   0 0 26,383
DTE ENERGY CO COM 233331107 5,819 48,680 SH   SOLE   0 0 48,680
KIMBERLY-CLARK CORP COM 494368103 5,168 36,163 SH   SOLE   0 0 36,163
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 5,094 31,300 SH   SOLE   0 0 31,300
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 4,894 94,466 SH   SOLE   0 0 94,466
PENSKE AUTOMOTIVE GRP INC COM 70959W103 4,478 41,769 SH   SOLE   0 0 41,769
COCA COLA CO COM 191216100 3,837 64,811 SH   SOLE   0 0 64,811
WASTE MGMT INC DEL COM 94106L109 3,570 21,392 SH   SOLE   0 0 21,392
AGREE RLTY CORP COM 008492100 3,474 48,688 SH   SOLE   0 0 48,688
PROCTER AND GAMBLE CO COM 742718109 3,343 20,438 SH   SOLE   0 0 20,438
AUTOMATIC DATA PROCESSING IN COM 053015103 3,335 13,527 SH   SOLE   0 0 13,527
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,068 60,784 SH   SOLE   0 0 60,784
ISHARES TR NATIONAL MUN ETF 464288414 3,002 25,820 SH   SOLE   0 0 25,820
JOHNSON CTLS INTL PLC SHS G51502105 2,885 35,486 SH   SOLE   0 0 35,486
ISHARES TR CORE US AGGBD ET 464287226 2,624 23,001 SH   SOLE   0 0 23,001
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,618 15,241 SH   SOLE   0 0 15,241
QUALCOMM INC COM 747525103 2,501 13,676 SH   SOLE   0 0 13,676
NORFOLK SOUTHN CORP COM 655844108 2,428 8,156 SH   SOLE   0 0 8,156
UNION PAC CORP COM 907818108 2,407 9,552 SH   SOLE   0 0 9,552
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,219 25,783 SH   SOLE   0 0 25,783
LOCKHEED MARTIN CORP COM 539830109 2,161 6,082 SH   SOLE   0 0 6,082
MERCK & CO INC COM 58933Y105 2,048 26,720 SH   SOLE   0 0 26,720
ALPHABET INC CAP STK CL A 02079K305 1,782 615 SH   SOLE   0 0 615
ISHARES TR 20 YR TR BD ETF 464287432 1,744 11,770 SH   SOLE   0 0 11,770
TRUIST FINL CORP COM 89832Q109 1,692 28,892 SH   SOLE   0 0 28,892
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,519 3,199 SH   SOLE   0 0 3,199
GLOBAL X FDS S&P 500 COVERED 37954Y475 1,444 28,581 SH   SOLE   0 0 28,581
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,386 47,852 SH   SOLE   0 0 47,852
INTERNATIONAL BUSINESS MACHS COM 459200101 1,369 10,242 SH   SOLE   0 0 10,242
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,242 4,154 SH   SOLE   0 0 4,154
WALMART INC COM 931142103 1,204 8,320 SH   SOLE   0 0 8,320
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,192 23,348 SH   SOLE   0 0 23,348
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,154 6,312 SH   SOLE   0 0 6,312
AON PLC SHS CL A G0403H108 1,150 3,827 SH   SOLE   0 0 3,827
CROWN CASTLE INTL CORP NEW COM 22822V101 1,132 5,422 SH   SOLE   0 0 5,422
DT MIDSTREAM INC COMMON STOCK 23345M107 1,067 22,238 SH   SOLE   0 0 22,238
CISCO SYS INC COM 17275R102 1,018 16,063 SH   SOLE   0 0 16,063
COMERICA INC COM 200340107 999 11,487 SH   SOLE   0 0 11,487
AMERICAN ELEC PWR CO INC COM 025537101 952 10,696 SH   SOLE   0 0 10,696
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 947 8,445 SH   SOLE   0 0 8,445
STRYKER CORPORATION COM 863667101 922 3,446 SH   SOLE   0 0 3,446
TESLA INC COM 88160R101 919 870 SH   SOLE   0 0 870
FORD MTR CO DEL COM 345370860 892 42,951 SH   SOLE   0 0 42,951
META PLATFORMS INC CL A 30303M102 814 2,421 SH   SOLE   0 0 2,421
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 813 54,195 SH   SOLE   0 0 54,195
ISHARES TR S&P 500 GRWT ETF 464287309 759 9,071 SH   SOLE   0 0 9,071
ILLINOIS TOOL WKS INC COM 452308109 748 3,029 SH   SOLE   0 0 3,029
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 712 8,811 SH   SOLE   0 0 8,811
ALTRIA GROUP INC COM 02209S103 693 14,631 SH   SOLE   0 0 14,631
SPDR SER TR NUVEEN BLOOMBERG 78464A284 649 10,798 SH   SOLE   0 0 10,798
POOL CORP COM 73278L105 634 1,120 SH   SOLE   0 0 1,120
NETFLIX INC COM 64110L106 619 1,028 SH   SOLE   0 0 1,028
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 612 11,357 SH   SOLE   0 0 11,357
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 608 7,170 SH   SOLE   0 0 7,170
INTEL CORP COM 458140100 585 11,354 SH   SOLE   0 0 11,354
PFIZER INC COM 717081103 570 9,657 SH   SOLE   0 0 9,657
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 555 6,870 SH   SOLE   0 0 6,870
AUTODESK INC COM 052769106 541 1,923 SH   SOLE   0 0 1,923
ISHARES TR CORE DIV GRWTH 46434V621 521 9,366 SH   SOLE   0 0 9,366
DEERE & CO COM 244199105 520 1,517 SH   SOLE   0 0 1,517
STARBUCKS CORP COM 855244109 494 4,224 SH   SOLE   0 0 4,224
ISHARES TR S&P 500 VAL ETF 464287408 491 3,132 SH   SOLE   0 0 3,132
SPDR SER TR NUVEEN BLMBRG MU 78468R721 490 9,479 SH   SOLE   0 0 9,479
SUN CMNTYS INC COM 866674104 482 2,293 SH   SOLE   0 0 2,293
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 480 6,185 SH   SOLE   0 0 6,185
SERVICENOW INC COM 81762P102 478 736 SH   SOLE   0 0 736
CHARLES RIV LABS INTL INC COM 159864107 455 1,207 SH   SOLE   0 0 1,207
FIRST REP BK SAN FRANCISCO C COM 33616C100 455 2,202 SH   SOLE   0 0 2,202
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 422 2,065 SH   SOLE   0 0 2,065
REPUBLIC SVCS INC COM 760759100 411 2,948 SH   SOLE   0 0 2,948
ORACLE CORP COM 68389X105 409 4,689 SH   SOLE   0 0 4,689
LILLY ELI & CO COM 532457108 404 1,462 SH   SOLE   0 0 1,462
EXXON MOBIL CORP COM 30231G102 395 6,455 SH   SOLE   0 0 6,455
DIGITAL RLTY TR INC COM 253868103 391 2,210 SH   SOLE   0 0 2,210
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 389 4,790 SH   SOLE   0 0 4,790
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 383 17,260 SH   SOLE   0 0 17,260
KLA CORP COM NEW 482480100 378 878 SH   SOLE   0 0 878
ISHARES TR CORE S&P500 ETF 464287200 377 790 SH   SOLE   0 0 790
HONEYWELL INTL INC COM 438516106 371 1,781 SH   SOLE   0 0 1,781
WALGREENS BOOTS ALLIANCE INC COM 931427108 371 7,107 SH   SOLE   0 0 7,107
AT&T INC COM 00206R102 365 14,828 SH   SOLE   0 0 14,828
CUMMINS INC COM 231021106 349 1,602 SH   SOLE   0 0 1,602
TORONTO DOMINION BK ONT COM NEW 891160509 340 4,428 SH   SOLE   0 0 4,428
SPDR SER TR S&P DIVID ETF 78464A763 323 2,504 SH   SOLE   0 0 2,504
ISHARES TR MSCI ACWI ETF 464288257 322 3,042 SH   SOLE   0 0 3,042
ANALOG DEVICES INC COM 032654105 296 1,686 SH   SOLE   0 0 1,686
RAYMOND JAMES FINL INC COM 754730109 291 2,898 SH   SOLE   0 0 2,898
INVESCO QQQ TR UNIT SER 1 46090E103 274 688 SH   SOLE   0 0 688
WEC ENERGY GROUP INC COM 92939U106 270 2,781 SH   SOLE   0 0 2,781
PROLOGIS INC. COM 74340W103 262 1,556 SH   SOLE   0 0 1,556
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 259 2,446 SH   SOLE   0 0 2,446
NVIDIA CORPORATION COM 67066G104 252 857 SH   SOLE   0 0 857
REV GROUP INC COM 749527107 249 17,565 SH   SOLE   0 0 17,565
FREEPORT-MCMORAN INC CL B 35671D857 243 5,819 SH   SOLE   0 0 5,819
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 232 3,010 SH   SOLE   0 0 3,010
NIKE INC CL B 654106103 231 1,388 SH   SOLE   0 0 1,388
EATON VANCE TAX-MANAGED DIVE COM 27828N102 229 15,224 SH   SOLE   0 0 15,224
ISHARES TR 1 3 YR TREAS BD 464287457 226 2,645 SH   SOLE   0 0 2,645
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 223 3,531 SH   SOLE   0 0 3,531
3M CO COM 88579Y101 222 1,251 SH   SOLE   0 0 1,251
S&P GLOBAL INC COM 78409V104 205 433 SH   SOLE   0 0 433
ISHARES TR RUS MID CAP ETF 464287499 198 2,390 SH   SOLE   0 0 2,390
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 197 4,134 SH   SOLE   0 0 4,134
DELTA AIR LINES INC DEL COM NEW 247361702 196 5,022 SH   SOLE   0 0 5,022
ATRICURE INC COM 04963C209 194 2,797 SH   SOLE   0 0 2,797
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 192 3,743 SH   SOLE   0 0 3,743
FS KKR CAP CORP COM 302635206 191 9,113 SH   SOLE   0 0 9,113
ISHARES TR CORE S&P SCP ETF 464287804 189 1,647 SH   SOLE   0 0 1,647
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 188 4,338 SH   SOLE   0 0 4,338
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 182 1,292 SH   SOLE   0 0 1,292
SYSCO CORP COM 871829107 174 2,212 SH   SOLE   0 0 2,212
BRISTOL-MYERS SQUIBB CO COM 110122108 172 2,763 SH   SOLE   0 0 2,763
SHOPIFY INC CL A 82509L107 172 125 SH   SOLE   0 0 125
ON SEMICONDUCTOR CORP COM 682189105 167 2,465 SH   SOLE   0 0 2,465
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 163 373 SH   SOLE   0 0 373
BOEING CO COM 097023105 161 800 SH   SOLE   0 0 800
COLGATE PALMOLIVE CO COM 194162103 159 1,866 SH   SOLE   0 0 1,866
SPDR SER TR S&P TELECOM 78464A540 150 1,477 SH   SOLE   0 0 1,477
T-MOBILE US INC COM 872590104 144 1,240 SH   SOLE   0 0 1,240
TRAVELERS COMPANIES INC COM 89417E109 136 869 SH   SOLE   0 0 869
L3HARRIS TECHNOLOGIES INC COM 502431109 135 631 SH   SOLE   0 0 631
SALESFORCE COM INC COM 79466L302 135 530 SH   SOLE   0 0 530
ISHARES TR MSCI USA MIN VOL 46429B697 129 1,594 SH   SOLE   0 0 1,594
V F CORP COM 918204108 128 1,745 SH   SOLE   0 0 1,745
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 126 304 SH   SOLE   0 0 304
CLOROX CO DEL COM 189054109 124 712 SH   SOLE   0 0 712
EATON VANCE TAX-MANAGED GLOB COM 27829F108 123 11,486 SH   SOLE   0 0 11,486
CAESARS ENTERTAINMENT INC NE COM 12769G100 122 1,300 SH   SOLE   0 0 1,300
SPDR SER TR BLOOMBERG SHT TE 78468R408 122 4,509 SH   SOLE   0 0 4,509
DOMINION ENERGY INC COM 25746U109 121 1,546 SH   SOLE   0 0 1,546
AIR PRODS & CHEMS INC COM 009158106 119 390 SH   SOLE   0 0 390
NXP SEMICONDUCTORS N V COM N6596X109 118 519 SH   SOLE   0 0 519
INTUIT COM 461202103 117 182 SH   SOLE   0 0 182
ISHARES TR RUS 1000 GRW ETF 464287614 116 378 SH   SOLE   0 0 378
EMERSON ELEC CO COM 291011104 115 1,240 SH   SOLE   0 0 1,240
HASBRO INC COM 418056107 113 1,112 SH   SOLE   0 0 1,112
CMS ENERGY CORP COM 125896100 111 1,699 SH   SOLE   0 0 1,699
CARRIER GLOBAL CORPORATION COM 14448C104 108 1,988 SH   SOLE   0 0 1,988
ISHARES TR CORE S&P MCP ETF 464287507 107 379 SH   SOLE   0 0 379
ISHARES TR IBOXX HI YD ETF 464288513 106 1,216 SH   SOLE   0 0 1,216
DISNEY WALT CO COM 254687106 105 678 SH   SOLE   0 0 678