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
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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 8,682 71,079 SH   OTR None 71,079 0 0
MICROSOFT CORP Equity 594918104 7,437 31,542 SH   OTR None 31,542 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 7,130 140,408 SH   OTR None 140,409 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 6,918 63,539 SH   OTR None 63,540 0 0
ALPHABET INC. CLASS C Equity 02079K107 6,496 3,140 SH   OTR None 3,140 0 0
JPMORGAN CHASE & CO Equity 46625H100 5,717 37,552 SH   OTR None 37,552 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 5,653 68,518 SH   OTR None 68,518 0 0
SPDR S&P 500 ETF Equity 78462F103 5,233 13,204 SH   OTR None 13,204 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 5,140 136,626 SH   OTR None 136,627 0 0
VANGUARD VALUE ETF Equity 922908744 4,818 36,648 SH   OTR None 36,649 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 4,775 150,250 SH   OTR None 150,250 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 4,569 18,815 SH   OTR None 18,815 0 0
INTEL CORP Equity 458140100 4,078 63,711 SH   OTR None 63,711 0 0
JOHNSON & JOHNSON Equity 478160104 4,059 24,695 SH   OTR None 24,695 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 3,895 39,078 SH   OTR None 39,079 0 0
CISCO SYSTEMS INC Equity 17275R102 3,747 72,461 SH   OTR None 72,461 0 0
CATERPILLAR INC Equity 149123101 3,706 15,981 SH   OTR None 15,981 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 3,615 33,072 SH   OTR None 33,072 0 0
CVS HEALTH CORP Equity 126650100 3,558 47,292 SH   OTR None 47,292 0 0
PROCTER & GAMBLE Equity 742718109 3,504 25,872 SH   OTR None 25,872 0 0
BAIDU COM INC ADR Equity 056752108 3,487 16,030 SH   OTR None 16,030 0 0
AMGEN INCORPORATED Equity 031162100 3,304 13,279 SH   OTR None 13,279 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 3,202 65,194 SH   OTR None 65,194 0 0
CHARLES SCHWAB CORP Equity 808513105 3,196 49,035 SH   OTR None 49,035 0 0
BOEING CO Equity 097023105 2,965 11,639 SH   OTR None 11,639 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 2,963 30,857 SH   OTR None 30,857 0 0
CITIGROUP INC Equity 172967424 2,846 39,125 SH   OTR None 39,125 0 0
NIKE INC CLASS B Equity 654106103 2,834 21,329 SH   OTR None 21,329 0 0
MC DONALDS CORP Equity 580135101 2,804 12,512 SH   OTR None 12,512 0 0
HOME DEPOT INC Equity 437076102 2,746 8,997 SH   OTR None 8,997 0 0
L BRANDS Equity 501797104 2,663 43,050 SH   OTR None 43,050 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,616 27,049 SH   OTR None 27,049 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 2,616 11,536 SH   OTR None 11,536 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,595 49,858 SH   OTR None 49,859 0 0
PFIZER INCORPORATED Equity 717081103 2,515 69,431 SH   OTR None 69,431 0 0
FEDEX CORPORATION Equity 31428X106 2,426 8,540 SH   OTR None 8,540 0 0
EMERSON ELECTRIC CO Equity 291011104 2,295 25,435 SH   OTR None 25,435 0 0
ORACLE CORPORATION Equity 68389X105 2,288 32,608 SH   OTR None 32,608 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,250 58,581 SH   OTR None 58,582 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 2,173 4,564 SH   OTR None 4,564 0 0
KRAFT HEINZ CO Equity 500754106 2,140 53,496 SH   OTR None 53,496 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,129 1,032 SH   OTR None 1,032 0 0
QUALCOMM INC Equity 747525103 2,100 15,836 SH   OTR None 15,836 0 0
TERADYNE INCORPORATED Equity 880770102 2,008 16,500 SH   OTR None 16,500 0 0
A T & T INC Equity 00206R102 1,936 63,966 SH   OTR None 63,966 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,778 16,378 SH   OTR None 16,379 0 0
BLACKROCK INC Equity 09247X101 1,735 2,301 SH   OTR None 2,301 0 0
GILEAD SCIENCES INC Equity 375558103 1,727 26,725 SH   OTR None 26,725 0 0
DIAGEO PLC ADR Equity G42089113 1,697 10,335 SH   OTR None 10,335 0 0
COCA COLA COMPANY Equity 191216100 1,670 31,680 SH   OTR None 31,680 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,667 20,125 SH   OTR None 20,125 0 0
VERIZON COMMUNICATN Equity 92343V104 1,640 28,200 SH   OTR None 28,200 0 0
CLIFFS NATURAL RES Equity 18383K101 1,632 81,150 SH   OTR None 81,150 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,625 59,475 SH   OTR None 59,475 0 0
MERCK & CO INC Equity 58933Y105 1,619 21,000 SH   OTR None 21,000 0 0
HANESBRAND INC Equity 410345102 1,616 82,175 SH   OTR None 82,175 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,597 50,305 SH   OTR None 50,305 0 0
FORD MOTOR COMPANY Equity 345370860 1,521 124,200 SH   OTR None 124,200 0 0
VISA INC CLASS A Equity 92826C839 1,503 7,100 SH   OTR None 7,100 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,476 3,995 SH   OTR None 3,995 0 0
LOWES COMPANIES INC Equity 548661107 1,435 7,545 SH   OTR None 7,546 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,364 20,897 SH   OTR None 20,898 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,350 6,305 SH   OTR None 6,305 0 0
BECTON DICKINSON&CO Equity 075887109 1,326 5,455 SH   OTR None 5,455 0 0
REALTY INCM CORP REIT Equity 756109104 1,286 20,255 SH   OTR None 20,255 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 1,276 12,500 SH   OTR None 12,500 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,274 3,895 SH   OTR None 3,895 0 0
EXXON MOBIL CORP Equity 30231G102 1,259 22,558 SH   OTR None 22,558 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,248 6,038 SH   OTR None 6,038 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,232 22,523 SH   OTR None 22,523 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,217 3,060 SH   OTR None 3,060 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,217 26,565 SH   OTR None 26,565 0 0
EXELON CORPORATION Equity 30161N101 1,108 25,340 SH   OTR None 25,340 0 0
WAL-MART STORES INC Equity 931142103 1,095 8,065 SH   OTR None 8,065 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,094 2,940 SH   OTR None 2,940 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 1,089 78,975 SH   OTR None 78,975 0 0
ISHARES S&P 100 ETF Equity 464287101 1,078 5,995 SH   OTR None 5,995 0 0
ONEOAK INC Equity 682680103 1,069 21,100 SH   OTR None 21,100 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 1,000 6,800 SH   OTR None 6,800 0 0
HONEYWELL INTL INC Equity 438516106 993 4,575 SH   OTR None 4,575 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 941 30,840 SH   OTR None 30,840 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 933 5,631 SH   OTR None 5,632 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 914 3,576 SH   OTR None 3,576 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 865 11,625 SH   OTR None 11,625 0 0
EBAY INC Equity 278642103 851 13,895 SH   OTR None 13,895 0 0
ISHARES MSCI EAFE ETF Equity 464287465 840 11,075 SH   OTR None 11,075 0 0
FREEPORT MCMORAN Equity 35671D857 807 24,500 SH   OTR None 24,500 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 800 53,972 SH   OTR None 53,972 0 0
ABBVIE INC Equity 00287Y109 788 7,280 SH   OTR None 7,280 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 764 12,108 SH   OTR None 12,108 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 763 9,740 SH   OTR None 9,740 0 0
VANGUARD MID CAP ETF Equity 922908629 720 3,255 SH   OTR None 3,255 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 695 175,450 SH   OTR None 175,450 0 0
BANK OF AMERICA CORP Equity 060505104 671 17,348 SH   OTR None 17,348 0 0
STRYKER CORP Equity 863667101 663 2,720 SH   OTR None 2,720 0 0
FACEBOOK Equity 30303M102 653 2,218 SH   OTR None 2,218 0 0
WALT DISNEY CO Equity 254687106 643 3,486 SH   OTR None 3,486 0 0
NUTRIEN Equity 67077M108 612 11,360 SH   OTR None 11,360 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 605 5,300 SH   OTR None 5,300 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 592 5,439 SH   OTR None 5,440 0 0
SPDRS DOW JONES INDUSTIAL AVERAGE Equity 78467X109 591 1,790 SH   OTR None 1,790 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 567 2,180 SH   OTR None 2,180 0 0
NORWEGIAN CRUISE LINE Equity G66721104 557 20,200 SH   OTR None 20,200 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 530 6,085 SH   OTR None 6,085 0 0
PHILIP MORRIS INTL Equity 718172109 510 5,749 SH   OTR None 5,749 0 0
NOVARTIS AG FADR Equity 66987V109 509 5,960 SH   OTR None 5,960 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 503 3,871 SH   OTR None 3,871 0 0
BIOHAVEN PHARMACEUTICALS Equity G11196105 496 7,250 SH   OTR None 7,250 0 0
TENCENT HOLDINGS Equity 88032XAD6 495 6,200 SH   OTR None 6,200 0 0
NVIDIA Equity 67066G104 483 905 SH   OTR None 285 0 0
CONOCOPHILLIPS Equity 20825C104 479 9,044 SH   OTR None 9,044 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 479 27,094 SH   OTR None 27,094 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 467 7,300 SH   OTR None 7,300 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 442 3,450 SH   OTR None 3,450 0 0
GENERAL MOTORS CO Equity 37045V100 427 7,428 SH   OTR None 7,428 0 0
AMAZON Equity 023135106 424 137 SH   OTR None 137 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 413 7,515 SH   OTR None 7,515 0 0
PEPSICO INCORPORATED Equity 713448108 409 2,893 SH   OTR None 2,893 0 0
BAUSCH HEALTH COS INC Equity 91911K102 405 12,750 SH   OTR None 12,750 0 0
ANHEUSER BUSCH INBEV Equity 757473103 390 6,205 SH   OTR None 6,205 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 374 15,375 SH   OTR None 15,375 0 0
EDWARD LIFESCIENCES Equity 28176E108 348 4,155 SH   OTR None 4,155 0 0
ELI LILLY & COMPANY Equity 532457108 346 1,850 SH   OTR None 1,850 0 0
ALTRIA GROUP INC Equity 02209S103 339 6,636 SH   OTR None 6,636 0 0
DELL TECHNOLOGIES Equity 24703L202 339 3,850 SH   OTR None 3,850 0 0
ISHARES MBS ETF Equity 464288588 337 3,104 SH   OTR None 3,104 0 0
COSTCO WHOLESALE Equity 22160K105 328 930 SH   OTR None 930 0 0
ISHARES TIPS BOND ETF Equity 464287176 326 2,597 SH   OTR None 2,597 0 0
HUNTINGTON BANCSHS Equity 446150104 324 20,581 SH   OTR None 20,581 0 0
TORO CORP Equity 891092108 319 3,090 SH   OTR None 3,090 0 0
CHEVRON CORPORATION Equity 166764100 317 3,025 SH   OTR None 3,025 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 305 1,210 SH   OTR None 1,210 0 0
MARVELL TECH GROUP Equity G5876H106 304 6,200 SH   OTR None 6,200 0 0
ADOBE Equity 00724F101 276 580 SH   OTR None 580 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 271 9,375 SH   OTR None 9,375 0 0
ECOLAB Equity 278865100 271 1,265 SH   OTR None 1,265 0 0
ROPER TECHNOLOGIES Equity 776696106 269 668 SH   OTR None 668 0 0
KINDER MORGAN INC Equity 49456B101 263 15,787 SH   OTR None 15,787 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 259 8,218 SH   OTR None 8,219 0 0
PRINCIPAL FINL Equity 74251V102 247 4,125 SH   OTR None 4,125 0 0
APPLIED MATERIALS Equity 038222105 240 1,795 SH   OTR None 1,795 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 237 1,600 SH   OTR None 1,600 0 0
LABCORP OF AMERICA Equity 50540R409 236 925 SH   OTR None 925 0 0
DELTA AIRLINES INC Equity 247361702 234 4,850 SH   OTR None 4,850 0 0
MEDTRONIC PLC F Equity G5960L103 232 1,966 SH   OTR None 1,966 0 0
ISHARES INTERNATIONAL PREFERRED ETF Equity 46429B135 227 13,750 SH   OTR None 13,750 0 0
PEMBINA PIPELINE CO F Equity 706327103 217 7,507 SH   OTR None 7,507 0 0
ILLINOIS TOOL WORKS Equity 452308109 215 972 SH   OTR None 972 0 0
ZOETIS INC Equity 98978V103 211 1,338 SH   OTR None 1,338 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 208 4,200 SH   OTR None 4,200 0 0
CLOROX CO Equity 189054109 207 1,075 SH   OTR None 1,075 0 0
PHILLIPS 66 Equity 718546104 207 2,537 SH   OTR None 2,537 0 0
AMERIPRISE FINANCIAL Equity 03076C106 198 850 SH   OTR None 850 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 197 14,000 SH   OTR None 14,000 0 0
BT GROUP PLC Equity G16612106 196 92,000 SH   OTR None 92,000 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 194 12,700 SH   OTR None 12,700 0 0
CHURCH & DWIGHT Equity 171340102 190 2,175 SH   OTR None 2,175 0 0
INTERCONTINENTAL INC Equity 45866F104 189 1,690 SH   OTR None 1,690 0 0
ISHARES US ENERGY ETF Equity 464287796 186 7,100 SH   OTR None 7,100 0 0
VANGUARD TOTAL BOND MKT ETF Equity 921937835 179 2,118 SH   OTR None 2,118 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 174 11,550 SH   OTR None 11,550 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 173 1,903 SH   OTR None 1,903 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 166 519 SH   OTR None 519 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 162 4,750 SH   OTR None 4,750 0 0
ISHARES S&P 600 ETF Equity 464287879 161 1,600 SH   OTR None 241,800 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 160 4,145 SH   OTR None 4,145 0 0
MONDELEZ INTL CLASS A Equity 609207105 157 2,674 SH   OTR None 2,674 0 0
VANGUARD S&P 500 ETF Equity 922908363 155 425 SH   OTR None 425 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 155 700 SH   OTR None 700 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 152 1,075 SH   OTR None 1,075 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 150 4,250 SH   OTR None 4,250 0 0
CSX CORP Equity 126408103 150 1,558 SH   OTR None 1,558 0 0
CROWDSTRIKE HLDGS Equity 22788C105 146 800 SH   OTR None 800 0 0
VANGUARD SHORT TERM BOND ETF Equity 092193782 145 1,770 SH   OTR None 1,770 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 144 1,866 SH   OTR None 1,866 0 0
ISHARES US FINANCIAL ETF Equity 464287770 139 812 SH   OTR None 812 0 0
HERSHEYS CO Equity 427866108 136 860 SH   OTR None 860 0 0
BLACKROCK MUNIHOLDINGS Equity 09253N104 127 7,961 SH   OTR None 7,961 0 0
BIOGEN INC Equity 09062X103 126 452 SH   OTR None 452 0 0
ISHARES NASDAQ BIOTECHNOLOGY Equity 464287556 125 830 SH   OTR None 830 0 0
ISHARES CORE MSCI EAFE ETF Equity 46432F842 112 1,550 SH   OTR None 1,550 0 0
MARATHON PETROLEUM Equity 56585A102 107 2,000 SH   OTR None 2,000 0 0
ISHARES US REGIONAL BANKS ETF Equity 464288778 103 1,820 SH   OTR None 1,820 0 0