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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC Equity 037833100 8,473 73,159 SH   SOLE   73,159 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 6,957 137,157 SH   SOLE   137,158 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 6,863 61,887 SH   SOLE   61,887 0 0
MICROSOFT CORP Equity 594918104 6,322 30,057 SH   SOLE   30,057 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 4,587 55,365 SH   SOLE   55,366 0 0
ALPHABET INC. CLASS C Equity 02079K107 4,331 2,947 SH   SOLE   2,947 0 0
SPDR S&P 500 ETF Equity 78462F103 4,226 12,619 SH   SOLE   12,620 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 4,218 134,342 SH   SOLE   134,342 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 3,989 149,047 SH   SOLE   149,047 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 3,850 19,540 SH   SOLE   19,540 0 0
JPMORGAN CHASE & CO Equity 46625H100 3,581 37,202 SH   SOLE   37,202 0 0
JOHNSON & JOHNSON Equity 478160104 3,511 23,585 SH   SOLE   23,585 0 0
INTEL CORP Equity 458140100 3,393 65,536 SH   SOLE   65,536 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 3,383 11,506 SH   SOLE   11,506 0 0
PROCTER & GAMBLE Equity 742718109 3,353 24,127 SH   SOLE   24,127 0 0
AMGEN INCORPORATED Equity 031162100 3,290 12,943 SH   SOLE   12,943 0 0
CISCO SYSTEMS INC Equity 17275R102 2,940 74,631 SH   SOLE   74,631 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 2,818 41,253 SH   SOLE   41,253 0 0
NIKE INC CLASS B Equity 654106103 2,789 22,214 SH   SOLE   22,214 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 2,784 34,532 SH   SOLE   34,533 0 0
MC DONALDS CORP Equity 580135101 2,752 12,537 SH   SOLE   12,537 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 2,674 33,072 SH   SOLE   33,072 0 0
HOME DEPOT INC Equity 437076102 2,561 9,222 SH   SOLE   9,222 0 0
CATERPILLAR INC Equity 149123101 2,536 17,006 SH   SOLE   17,006 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 2,465 14,260 SH   SOLE   14,260 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 2,458 60,092 SH   SOLE   60,092 0 0
CVS HEALTH CORP Equity 126650100 2,336 39,997 SH   SOLE   39,997 0 0
VANGUARD VALUE ETF Equity 922908744 2,294 21,953 SH   SOLE   21,954 0 0
FEDEX CORPORATION Equity 31428X106 2,148 8,540 SH   SOLE   8,540 0 0
BAIDU COM INC ADR Equity 056752108 2,136 16,875 SH   SOLE   16,875 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,131 26,761 SH   SOLE   26,761 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 1,998 54,804 SH   SOLE   54,805 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 1,989 46,004 SH   SOLE   46,004 0 0
PFIZER INCORPORATED Equity 717081103 1,911 52,062 SH   SOLE   52,062 0 0
QUALCOMM INC Equity 747525103 1,911 16,236 SH   SOLE   16,236 0 0
BOEING CO Equity 097023105 1,816 10,989 SH   SOLE   10,989 0 0
ORACLE CORPORATION Equity 68389X105 1,808 30,283 SH   SOLE   30,283 0 0
CHARLES SCHWAB CORP Equity 808513105 1,765 48,710 SH   SOLE   48,710 0 0
MERCK & CO INC Equity 58933Y105 1,713 20,655 SH   SOLE   20,655 0 0
EMERSON ELECTRIC CO Equity 291011104 1,689 25,760 SH   SOLE   25,760 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,665 23,125 SH   SOLE   23,125 0 0
A T & T INC Equity 00206R102 1,663 58,341 SH   SOLE   58,341 0 0
CITIGROUP INC Equity 172967424 1,613 37,405 SH   SOLE   37,405 0 0
VERIZON COMMUNICATN Equity 92343V104 1,612 27,100 SH   SOLE   27,100 0 0
KRAFT HEINZ CO Equity 500754106 1,601 53,446 SH   SOLE   53,446 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,588 61,375 SH   SOLE   61,375 0 0
COCA COLA COMPANY Equity 191216100 1,581 32,030 SH   SOLE   32,030 0 0
GILEAD SCIENCES INC Equity 375558103 1,532 24,250 SH   SOLE   24,250 0 0
ALPHABET INC. CLASS A Equity 02079K305 1,502 1,025 SH   SOLE   1,025 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 1,478 4,362 SH   SOLE   4,363 0 0
TERADYNE INCORPORATED Equity 880770102 1,463 18,400 SH   SOLE   18,400 0 0
ISHARES S&P 100 ETF Equity 464287101 1,444 9,274 SH   SOLE   9,275 0 0
VISA INC CLASS A Equity 92826C839 1,437 7,185 SH   SOLE   7,185 0 0
DIAGEO PLC ADR Equity G42089113 1,423 10,335 SH   SOLE   10,335 0 0
L BRANDS Equity 501797104 1,385 43,550 SH   SOLE   43,550 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,366 50,305 SH   SOLE   50,305 0 0
LOWES COMPANIES INC Equity 548661107 1,313 7,915 SH   SOLE   7,916 0 0
BLACKROCK INC Equity 09247X101 1,297 2,301 SH   SOLE   2,301 0 0
BECTON DICKINSON&CO Equity 075887109 1,275 5,480 SH   SOLE   5,480 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,220 17,377 SH   SOLE   17,377 0 0
REALTY INCM CORP REIT Equity 756109104 1,212 19,955 SH   SOLE   19,955 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,209 22,013 SH   SOLE   22,013 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,131 6,638 SH   SOLE   6,638 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,084 24,665 SH   SOLE   24,665 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,028 3,060 SH   SOLE   3,060 0 0
VANGUARD SMALL CAP ETF Equity 922908751 970 6,305 SH   SOLE   6,305 0 0
EXELON CORPORATION Equity 30161N101 959 26,815 SH   SOLE   26,815 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 917 2,940 SH   SOLE   2,940 0 0
WAL-MART STORES INC Equity 931142103 908 6,490 SH   SOLE   6,490 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 889 76,475 SH   SOLE   76,475 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 888 6,900 SH   SOLE   6,900 0 0
ISHARES S&P 600 ETF Equity 464287879 881 7,200 SH   SOLE   7,200 0 0
FORD MOTOR COMPANY Equity 345370860 821 123,200 SH   SOLE   123,200 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 804 15,411 SH   SOLE   15,412 0 0
GOLDMAN SACHS GROUP Equity 38141G104 783 3,895 SH   SOLE   3,895 0 0
EXXON MOBIL CORP Equity 30231G102 780 22,708 SH   SOLE   22,708 0 0
NUVEEN MICHIGAN QUALITY Equity 670979103 774 54,600 SH   SOLE   54,600 0 0
HONEYWELL INTL INC Equity 438516106 753 4,575 SH   SOLE   4,575 0 0
EBAY INC Equity 278642103 753 14,445 SH   SOLE   14,445 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 742 3,486 SH   SOLE   3,486 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 730 12,108 SH   SOLE   12,108 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 726 36,340 SH   SOLE   36,340 0 0
ISHARES MSCI EAFE ETF Equity 464287465 705 11,075 SH   SOLE   11,075 0 0
FACEBOOK Equity 30303M102 673 2,568 SH   SOLE   2,568 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 624 11,247 SH   SOLE   11,247 0 0
ABBVIE INC Equity 00287Y109 620 7,080 SH   SOLE   7,080 0 0
LOCKHEED MARTIN CORP Equity 539830109 619 1,615 SH   SOLE   1,615 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 600 153,450 SH   SOLE   153,450 0 0
AMAZON Equity 023135106 589 187 SH   SOLE   187 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 588 5,639 SH   SOLE   5,640 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 582 2,435 SH   SOLE   2,435 0 0
VANGUARD MID CAP ETF Equity 922908629 574 3,255 SH   SOLE   3,255 0 0
STRYKER CORP Equity 863667101 567 2,720 SH   SOLE   2,720 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 531 3,944 SH   SOLE   3,944 0 0
CLIFFS NATURAL RES Equity 18383K101 526 81,950 SH   SOLE   81,950 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 521 6,210 SH   SOLE   6,210 0 0
NOVARTIS AG FADR Equity 66987V109 518 5,960 SH   SOLE   5,960 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 485 27,094 SH   SOLE   27,094 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 445 7,500 SH   SOLE   7,500 0 0
WALT DISNEY CO Equity 254687106 445 3,586 SH   SOLE   3,586 0 0
NUTRIEN Equity 67077M108 445 11,340 SH   SOLE   11,340 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 432 5,300 SH   SOLE   5,300 0 0
TENCENT HOLDINGS Equity 88032XAD6 419 6,200 SH   SOLE   6,200 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 404 2,180 SH   SOLE   2,180 0 0
ONEOAK INC Equity 682680103 396 15,250 SH   SOLE   15,250 0 0
BANK OF AMERICA CORP Equity 060505104 394 16,348 SH   SOLE   16,348 0 0
PHILIP MORRIS INTL Equity 718172109 394 5,249 SH   SOLE   5,249 0 0
PEPSICO INCORPORATED Equity 713448108 387 2,793 SH   SOLE   2,793 0 0
FREEPORT MCMORAN Equity 35671D857 383 24,500 SH   SOLE   24,500 0 0
BIOHAVEN PHARMACEUTICALS Equity G11196105 380 5,850 SH   SOLE   5,850 0 0
EDWARD LIFESCIENCES Equity 28176E108 359 4,500 SH   SOLE   4,500 0 0
ZOETIS INC Equity 98978V103 347 2,100 SH   SOLE   2,100 0 0
ISHARES TIPS BOND ETF Equity 464287176 344 2,716 SH   SOLE   2,716 0 0
ISHARES MBS ETF Equity 464288588 343 3,104 SH   SOLE   3,104 0 0
COSTCO WHOLESALE Equity 22160K105 311 875 SH   SOLE   875 0 0
ISHARES CORE S&P SMALL CAP GROWTH ETF Equity 464287887 304 1,725 SH   SOLE   1,725 0 0
CONOCOPHILLIPS Equity 20825C104 290 8,821 SH   SOLE   8,821 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 286 16,391 SH   SOLE   16,391 0 0
CHURCH & DWIGHT Equity 171340102 281 3,000 SH   SOLE   3,000 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 275 1,210 SH   SOLE   1,210 0 0
ELI LILLY & COMPANY Equity 532457108 274 1,850 SH   SOLE   1,850 0 0
ALTRIA GROUP INC Equity 02209S103 256 6,636 SH   SOLE   6,636 0 0
ADOBE Equity 00724F101 253 515 SH   SOLE   515 0 0
ROPER TECHNOLOGIES Equity 776696106 251 635 SH   SOLE   635 0 0
GENERAL MOTORS CO Equity 37045V100 250 8,453 SH   SOLE   8,453 0 0
TORO CORP Equity 891092108 243 2,900 SH   SOLE   2,900 0 0
DELL TECHNOLOGIES Equity 24703L202 240 3,550 SH   SOLE   3,550 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 232 6,464 SH   SOLE   6,464 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 225 9,375 SH   SOLE   9,375 0 0
ECOLAB Equity 278865100 220 1,100 SH   SOLE   1,100 0 0
CHEVRON CORPORATION Equity 166764100 218 3,025 SH   SOLE   3,025 0 0
SYSCO CORP Equity 871829107 218 3,500 SH   SOLE   3,500 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 211 4,200 SH   SOLE   4,200 0 0
CROWDSTRIKE HLDGS Equity 22788C105 209 1,525 SH   SOLE   1,525 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 205 8,210 SH   SOLE   8,211 0 0
MEDTRONIC PLC F Equity G5960L103 204 1,966 SH   SOLE   1,966 0 0
BAUSCH HEALTH COS INC Equity 91911K102 198 12,750 SH   SOLE   12,750 0 0
KINDER MORGAN INC Equity 49456B101 195 15,787 SH   SOLE   15,787 0 0
ISHARES INTERNATIONAL PREFERRED ETF Equity 46429B135 193 13,750 SH   SOLE   13,750 0 0
HUNTINGTON BANCSHS Equity 446150104 189 20,581 SH   SOLE   20,581 0 0
VANGUARD TOTAL BOND MKT ETF Equity 921937835 185 2,094 SH   SOLE   2,094 0 0
BT GROUP PLC Equity G16612106 179 142,000 SH   SOLE   142,000 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 175 12,700 SH   SOLE   12,700 0 0
LABCORP OF AMERICA Equity 50540R409 174 925 SH   SOLE   925 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 168 1,810 SH   SOLE   1,810 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 166 14,000 SH   SOLE   14,000 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 162 11,550 SH   SOLE   11,550 0 0
PEMBINA PIPELINE CO F Equity 706327103 159 7,507 SH   SOLE   7,507 0 0
SOUTHWEST AIRLINES Equity 844741108 157 4,175 SH   SOLE   4,175 0 0
NVIDIA Equity 67066G104 154 285 SH   SOLE   285 0 0
MONDELEZ INTL CLASS A Equity 609207105 154 2,674 SH   SOLE   2,674 0 0
INTERCONTINENTAL INC Equity 45866F104 150 1,500 SH   SOLE   1,500 0 0
ILLINOIS TOOL WORKS Equity 452308109 149 772 SH   SOLE   772 0 0
VANGUARD SHORT TERM BOND ETF Equity 092193782 147 1,770 SH   SOLE   1,770 0 0
VANGUARD S&P 500 ETF Equity 922908363 146 475 SH   SOLE   475 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 141 509 SH   SOLE   509 0 0
PHILLIPS 66 Equity 718546104 139 2,680 SH   SOLE   2,680 0 0
AMERIPRISE FINANCIAL Equity 03076C106 131 850 SH   SOLE   850 0 0
VANGUARD INFORMATION TECHNOLOGY Equity 92204A702 131 420 SH   SOLE   420 0 0
BIOGEN INC Equity 09062X103 128 452 SH   SOLE   452 0 0
BLACKROCK MUNIHOLDINGS I Equity 09253P109 126 8,600 SH   SOLE   8,600 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 124 4,250 SH   SOLE   4,250 0 0
HERSHEYS CO Equity 427866108 123 860 SH   SOLE   860 0 0
CSX CORP Equity 126408103 120 1,549 SH   SOLE   1,550 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 116 1,050 SH   SOLE   1,050 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 114 4,750 SH   SOLE   4,750 0 0
ISHARES US ENERGY ETF Equity 464287796 113 7,100 SH   SOLE   7,100 0 0
MARVELL TECH GROUP Equity G5876H106 113 2,850 SH   SOLE   2,850 0 0
APPLIED MATERIALS Equity 038222105 113 1,895 SH   SOLE   1,895 0 0
ISHARES NASDAQ BIOTECHNOLOGY Equity 464287556 112 830 SH   SOLE   830 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 111 625 SH   SOLE   625 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 105 700 SH   SOLE   700 0 0