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 29,957 374,366 SH   SOLE   0 0 374,366
ABBVIE INC COM 00287Y109 28,467 185,866 SH   SOLE   0 0 185,866
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 28,463 373,238 SH   SOLE   0 0 373,238
APPLE INC COM 037833100 27,942 204,374 SH   SOLE   0 0 204,374
UNITEDHEALTH GROUP INC COM 91324P102 26,840 52,255 SH   SOLE   0 0 52,255
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 25,586 580,183 SH   SOLE   0 0 580,183
MICROSOFT CORP COM 594918104 25,135 97,866 SH   SOLE   0 0 97,866
SELECT SECTOR SPDR TR ENERGY 81369Y506 24,423 341,526 SH   SOLE   0 0 341,526
ALPHABET INC CAP STK CL C 02079K107 24,349 11,131 SH   SOLE   0 0 11,131
JOHNSON & JOHNSON COM 478160104 21,610 121,742 SH   SOLE   0 0 121,742
ISHARES TR 20 YR TR BD ETF 464287432 21,374 186,071 SH   SOLE   0 0 186,071
MORGAN STANLEY COM NEW 617446448 19,527 256,737 SH   SOLE   0 0 256,737
MCDONALDS CORP COM 580135101 18,698 75,737 SH   SOLE   0 0 75,737
JPMORGAN CHASE & CO COM 46625H100 18,357 163,010 SH   SOLE   0 0 163,010
BK OF AMERICA CORP COM 060505104 18,281 587,239 SH   SOLE   0 0 587,239
HOME DEPOT INC COM 437076102 18,199 66,356 SH   SOLE   0 0 66,356
TEXAS INSTRS INC COM 882508104 16,560 107,780 SH   SOLE   0 0 107,780
GLOBAL X FDS S&P 500 COVERED 37954Y475 16,326 382,513 SH   SOLE   0 0 382,513
BROADCOM INC COM 11135F101 16,039 33,015 SH   SOLE   0 0 33,015
VERIZON COMMUNICATIONS INC COM 92343V104 15,946 314,199 SH   SOLE   0 0 314,199
DTE ENERGY CO COM 233331107 15,902 125,461 SH   SOLE   0 0 125,461
PEPSICO INC COM 713448108 15,546 93,278 SH   SOLE   0 0 93,278
TARGET CORP COM 87612E106 14,949 105,848 SH   SOLE   0 0 105,848
UNITED PARCEL SERVICE INC CL B 911312106 14,781 80,974 SH   SOLE   0 0 80,974
VISA INC COM CL A 92826C839 14,564 73,968 SH   SOLE   0 0 73,968
COSTCO WHSL CORP NEW COM 22160K105 14,430 30,108 SH   SOLE   0 0 30,108
PHILIP MORRIS INTL INC COM 718172109 14,385 145,687 SH   SOLE   0 0 145,687
COMCAST CORP NEW CL A 20030N101 13,620 347,101 SH   SOLE   0 0 347,101
BLACKROCK INC COM 09247X101 13,124 21,548 SH   SOLE   0 0 21,548
RAYTHEON TECHNOLOGIES CORP COM 75513E101 12,559 130,671 SH   SOLE   0 0 130,671
PAYCHEX INC COM 704326107 12,294 107,968 SH   SOLE   0 0 107,968
ABBOTT LABS COM 002824100 11,754 108,186 SH   SOLE   0 0 108,186
MEDTRONIC PLC SHS G5960L103 11,608 129,340 SH   SOLE   0 0 129,340
UNION PAC CORP COM 907818108 10,963 51,401 SH   SOLE   0 0 51,401
CATERPILLAR INC COM 149123101 10,833 60,603 SH   SOLE   0 0 60,603
SPDR SER TR NUVEEN BLOOMBERG 78464A284 9,989 194,410 SH   SOLE   0 0 194,410
KIMBERLY-CLARK CORP COM 494368103 8,953 66,249 SH   SOLE   0 0 66,249
NEXTERA ENERGY INC COM 65339F101 8,131 104,965 SH   SOLE   0 0 104,965
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 7,320 179,149 SH   SOLE   0 0 179,149
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 6,018 81,766 SH   SOLE   0 0 81,766
AMGEN INC COM 031162100 4,883 20,072 SH   SOLE   0 0 20,072
ISHARES TR 0-5YR HI YL CP 46434V407 4,399 108,473 SH   SOLE   0 0 108,473
COCA COLA CO COM 191216100 4,042 64,251 SH   SOLE   0 0 64,251
PENSKE AUTOMOTIVE GRP INC COM 70959W103 3,991 38,124 SH   SOLE   0 0 38,124
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,767 10,290 SH   SOLE   0 0 10,290
AGREE RLTY CORP COM 008492100 3,667 50,838 SH   SOLE   0 0 50,838
DOW INC COM 260557103 3,602 69,788 SH   SOLE   0 0 69,788
WASTE MGMT INC DEL COM 94106L109 3,129 20,456 SH   SOLE   0 0 20,456
PROCTER AND GAMBLE CO COM 742718109 2,976 20,697 SH   SOLE   0 0 20,697
AUTOMATIC DATA PROCESSING IN COM 053015103 2,826 13,454 SH   SOLE   0 0 13,454
VANGUARD WORLD FDS MATERIALS ETF 92204A801 2,758 17,214 SH   SOLE   0 0 17,214
LOCKHEED MARTIN CORP COM 539830109 2,487 5,784 SH   SOLE   0 0 5,784
MERCK & CO INC COM 58933Y105 2,344 25,706 SH   SOLE   0 0 25,706
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,269 15,817 SH   SOLE   0 0 15,817
AMAZON COM INC COM 023135106 2,038 19,185 SH   SOLE   0 0 19,185
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,890 37,733 SH   SOLE   0 0 37,733
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,877 13,985 SH   SOLE   0 0 13,985
NORFOLK SOUTHN CORP COM 655844108 1,740 7,656 SH   SOLE   0 0 7,656
QUALCOMM INC COM 747525103 1,521 11,905 SH   SOLE   0 0 11,905
INTERNATIONAL BUSINESS MACHS COM 459200101 1,447 10,251 SH   SOLE   0 0 10,251
ALPHABET INC CAP STK CL A 02079K305 1,430 656 SH   SOLE   0 0 656
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,305 39,988 SH   SOLE   0 0 39,988
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,265 30,368 SH   SOLE   0 0 30,368
TRUIST FINL CORP COM 89832Q109 1,233 26,001 SH   SOLE   0 0 26,001
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,215 3,220 SH   SOLE   0 0 3,220
PACER FDS TR US CASH COWS 100 69374H881 1,212 28,135 SH   SOLE   0 0 28,135
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,122 48,139 SH   SOLE   0 0 48,139
AMERICAN ELEC PWR CO INC COM 025537101 1,041 10,850 SH   SOLE   0 0 10,850
AON PLC SHS CL A G0403H108 1,036 3,841 SH   SOLE   0 0 3,841
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,026 3,759 SH   SOLE   0 0 3,759
WALMART INC COM 931142103 1,001 8,235 SH   SOLE   0 0 8,235
DT MIDSTREAM INC COMMON STOCK 23345M107 937 19,105 SH   SOLE   0 0 19,105
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 892 6,805 SH   SOLE   0 0 6,805
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 888 8,729 SH   SOLE   0 0 8,729
ISHARES TR MSCI EAFE ETF 464287465 882 14,112 SH   SOLE   0 0 14,112
COMERICA INC COM 200340107 852 11,607 SH   SOLE   0 0 11,607
SPDR GOLD TR GOLD SHS 78463V107 848 5,033 SH   SOLE   0 0 5,033
CROWN CASTLE INTL CORP NEW COM 22822V101 820 4,871 SH   SOLE   0 0 4,871
TESLA INC COM 88160R101 781 1,160 SH   SOLE   0 0 1,160
STRYKER CORPORATION COM 863667101 684 3,438 SH   SOLE   0 0 3,438
ISHARES TR ISHS 1-5YR INVS 464288646 639 12,648 SH   SOLE   0 0 12,648
ALTRIA GROUP INC COM 02209S103 630 15,093 SH   SOLE   0 0 15,093
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 609 12,200 SH   SOLE   0 0 12,200
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 568 7,926 SH   SOLE   0 0 7,926
ISHARES TR NATIONAL MUN ETF 464288414 567 5,329 SH   SOLE   0 0 5,329
EXXON MOBIL CORP COM 30231G102 566 6,605 SH   SOLE   0 0 6,605
FORD MTR CO DEL COM 345370860 559 50,212 SH   SOLE   0 0 50,212
ILLINOIS TOOL WKS INC COM 452308109 548 3,006 SH   SOLE   0 0 3,006
CISCO SYS INC COM 17275R102 543 12,740 SH   SOLE   0 0 12,740
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100 533 29,528 SH   SOLE   0 0 29,528
LILLY ELI & CO COM 532457108 479 1,478 SH   SOLE   0 0 1,478
GLOBAL X FDS NASDAQ 100 COVER 37954Y483 478 27,368 SH   SOLE   0 0 27,368
ISHARES TR CORE DIV GRWTH 46434V621 451 9,458 SH   SOLE   0 0 9,458
ISHARES TR S&P 500 VAL ETF 464287408 431 3,136 SH   SOLE   0 0 3,136
ISHARES TR S&P 500 GRWT ETF 464287309 405 6,718 SH   SOLE   0 0 6,718
DEERE & CO COM 244199105 384 1,283 SH   SOLE   0 0 1,283
REPUBLIC SVCS INC COM 760759100 353 2,701 SH   SOLE   0 0 2,701
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 352 4,588 SH   SOLE   0 0 4,588
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 347 6,860 SH   SOLE   0 0 6,860
INTEL CORP COM 458140100 345 9,214 SH   SOLE   0 0 9,214
FIRST REP BK SAN FRANCISCO C COM 33616C100 342 2,373 SH   SOLE   0 0 2,373
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 329 4,561 SH   SOLE   0 0 4,561
PFIZER INC COM 717081103 326 6,226 SH   SOLE   0 0 6,226
NVIDIA CORPORATION COM 67066G104 317 2,090 SH   SOLE   0 0 2,090
REV GROUP INC COM 749527107 316 29,046 SH   SOLE   0 0 29,046
SUN CMNTYS INC COM 866674104 311 1,953 SH   SOLE   0 0 1,953
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 304 9,674 SH   SOLE   0 0 9,674
AT&T INC COM 00206R102 303 14,465 SH   SOLE   0 0 14,465
SPDR SER TR S&P DIVID ETF 78464A763 301 2,536 SH   SOLE   0 0 2,536
KLA CORP COM NEW 482480100 299 937 SH   SOLE   0 0 937
TORONTO DOMINION BK ONT COM NEW 891160509 295 4,493 SH   SOLE   0 0 4,493
WEC ENERGY GROUP INC COM 92939U106 293 2,916 SH   SOLE   0 0 2,916
DIGITAL RLTY TR INC COM 253868103 292 2,246 SH   SOLE   0 0 2,246
POOL CORP COM 73278L105 290 826 SH   SOLE   0 0 826
HONEYWELL INTL INC COM 438516106 288 1,658 SH   SOLE   0 0 1,658
ISHARES TR CORE MSCI EAFE 46432F842 278 4,728 SH   SOLE   0 0 4,728
WALGREENS BOOTS ALLIANCE INC COM 931427108 275 7,260 SH   SOLE   0 0 7,260
SHELL PLC SPON ADS 780259305 270 5,160 SH   SOLE   0 0 5,160
RAYMOND JAMES FINL INC COM 754730109 261 2,916 SH   SOLE   0 0 2,916
ISHARES TR CORE S&P500 ETF 464287200 255 673 SH   SOLE   0 0 673
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 253 4,118 SH   SOLE   0 0 4,118
ISHARES TR MSCI ACWI ETF 464288257 251 2,989 SH   SOLE   0 0 2,989
STARBUCKS CORP COM 855244109 251 3,285 SH   SOLE   0 0 3,285
WISDOMTREE TR BLMBG US BULL 97717W471 243 8,715 SH   SOLE   0 0 8,715
ANALOG DEVICES INC COM 032654105 235 1,608 SH   SOLE   0 0 1,608
CUMMINS INC COM 231021106 223 1,153 SH   SOLE   0 0 1,153
JOHNSON CTLS INTL PLC SHS G51502105 206 4,300 SH   SOLE   0 0 4,300
INVESCO QQQ TR UNIT SER 1 46090E103 205 730 SH   SOLE   0 0 730
ORACLE CORP COM 68389X105 205 2,941 SH   SOLE   0 0 2,941
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 196 3,531 SH   SOLE   0 0 3,531
META PLATFORMS INC CL A 30303M102 192 1,188 SH   SOLE   0 0 1,188
BRISTOL-MYERS SQUIBB CO COM 110122108 189 2,458 SH   SOLE   0 0 2,458
SYSCO CORP COM 871829107 189 2,230 SH   SOLE   0 0 2,230
PROLOGIS INC. COM 74340W103 185 1,573 SH   SOLE   0 0 1,573
TRACTOR SUPPLY CO COM 892356106 176 910 SH   SOLE   0 0 910
EATON VANCE TAX-MANAGED DIVE COM 27828N102 175 15,447 SH   SOLE   0 0 15,447
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 172 3,776 SH   SOLE   0 0 3,776
COLGATE PALMOLIVE CO COM 194162103 168 2,096 SH   SOLE   0 0 2,096
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 168 5,351 SH   SOLE   0 0 5,351
CHEVRON CORP NEW COM 166764100 157 1,083 SH   SOLE   0 0 1,083
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 156 2,067 SH   SOLE   0 0 2,067
ISHARES TR RUS MID CAP ETF 464287499 155 2,401 SH   SOLE   0 0 2,401
L3HARRIS TECHNOLOGIES INC COM 502431109 154 635 SH   SOLE   0 0 635
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 151 1,660 SH   SOLE   0 0 1,660
TRAVELERS COMPANIES INC COM 89417E109 149 878 SH   SOLE   0 0 878
NIKE INC CL B 654106103 142 1,389 SH   SOLE   0 0 1,389
3M CO COM 88579Y101 140 1,080 SH   SOLE   0 0 1,080
S&P GLOBAL INC COM 78409V104 138 408 SH   SOLE   0 0 408
ON SEMICONDUCTOR CORP COM 682189105 124 2,465 SH   SOLE   0 0 2,465
DOMINION ENERGY INC COM 25746U109 123 1,546 SH   SOLE   0 0 1,546
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 121 350 SH   SOLE   0 0 350
DANA INC COM 235825205 120 8,500 SH   SOLE   0 0 8,500
CMS ENERGY CORP COM 125896100 117 1,738 SH   SOLE   0 0 1,738
AIR PRODS & CHEMS INC COM 009158106 115 478 SH   SOLE   0 0 478
ATRICURE INC COM 04963C209 114 2,797 SH   SOLE   0 0 2,797
ISHARES TR MSCI USA MIN VOL 46429B697 113 1,604 SH   SOLE   0 0 1,604
DELTA AIR LINES INC DEL COM NEW 247361702 111 3,828 SH   SOLE   0 0 3,828
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 105 2,531 SH   SOLE   0 0 2,531
BOEING CO COM 097023105 103 750 SH   SOLE   0 0 750
CLOROX CO DEL COM 189054109 102 721 SH   SOLE   0 0 721
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 102 1,450 SH   SOLE   0 0 1,450
GENERAL MTRS CO COM 37045V100 100 3,139 SH   SOLE   0 0 3,139