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
Expires:Oct 31, 2018
Estimated average burden
hours per response:23.8

COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
APPLE INCEquity0378331008,68271,079SH OTRNone71,07900
MICROSOFT CORPEquity5949181047,43731,542SH OTRNone31,54200
ISHARES FLOATING RATE BOND ETFEquity46429B6557,130140,408SH OTRNone140,40900
ISHARES JPMORGAN USD MTSBOND ETFEquity4642882816,91863,539SH OTRNone63,54000
ALPHABET INC. CLASS CEquity02079K1076,4963,140SH OTRNone3,14000
JPMORGAN CHASE & COEquity46625H1005,71737,552SH OTRNone37,55200
VANGUARD SHORT TERM CORP BOND ETFEquity92206C4095,65368,518SH OTRNone68,51800
SPDR S&P 500 ETFEquity78462F1035,23313,204SH OTRNone13,20400
SCHWAB INTERNATIONAL EQUITY ETFEquity8085248055,140136,626SH OTRNone136,62700
VANGUARD VALUE ETFEquity9229087444,81836,648SH OTRNone36,64900
SCHWAB EMERGING MARKETS EQUITY ETFEquity8085247064,775150,250SH OTRNone150,25000
PAYPAL HOLDINGS INCOEquity70450Y1034,56918,815SH OTRNone18,81500
INTEL CORPEquity4581401004,07863,711SH OTRNone63,71100
JOHNSON & JOHNSONEquity4781601044,05924,695SH OTRNone24,69500
SCHWAB US SMALL CAP ETFEquity8085246073,89539,078SH OTRNone39,07900
CISCO SYSTEMS INCEquity17275R1023,74772,461SH OTRNone72,46100
CATERPILLAR INCEquity1491231013,70615,981SH OTRNone15,98100
RUSSELL MID CAP VALUE ETFEquity4642874733,61533,072SH OTRNone33,07200
CVS HEALTH CORPEquity1266501003,55847,292SH OTRNone47,29200
PROCTER & GAMBLEEquity7427181093,50425,872SH OTRNone25,87200
BAIDU COM INC ADREquity0567521083,48716,030SH OTRNone16,03000
AMGEN INCORPORATEDEquity0311621003,30413,279SH OTRNone13,27900
VANGUARD FTSE DEVELOPED MARKETS ETFEquity9219438583,20265,194SH OTRNone65,19400
CHARLES SCHWAB CORPEquity8085131053,19649,035SH OTRNone49,03500
BOEING COEquity0970231052,96511,639SH OTRNone11,63900
SCHWAB US LARGE CAP ETFEquity8085242012,96330,857SH OTRNone30,85700
CITIGROUP INCEquity1729674242,84639,125SH OTRNone39,12500
NIKE INC CLASS BEquity6541061032,83421,329SH OTRNone21,32900
MC DONALDS CORPEquity5801351012,80412,512SH OTRNone12,51200
HOME DEPOT INCEquity4370761022,7468,997SH OTRNone8,99700
L BRANDSEquity5017971042,66343,050SH OTRNone43,05000
SCHWAB US BROAD MARKET ETFEquity8085241022,61627,049SH OTRNone27,04900
ALIBABA GROUP HLDG FADREquity01609W1022,61611,536SH OTRNone11,53600
VANGUARD FTSE EMERGING MARKETS ETFEquity9220428582,59549,858SH OTRNone49,85900
PFIZER INCORPORATEDEquity7170811032,51569,431SH OTRNone69,43100
FEDEX CORPORATIONEquity31428X1062,4268,540SH OTRNone8,54000
EMERSON ELECTRIC COEquity2910111042,29525,435SH OTRNone25,43500
ORACLE CORPORATIONEquity68389X1052,28832,608SH OTRNone32,60800
ISHARES U.S. PREFERRED STOCK ETFEquity4642886872,25058,581SH OTRNone58,58200
SPDR S&P MIDCAP 400 ETFEquity78467Y1072,1734,564SH OTRNone4,56400
KRAFT HEINZ COEquity5007541062,14053,496SH OTRNone53,49600
ALPHABET INC. CLASS AEquity02079K3052,1291,032SH OTRNone1,03200
QUALCOMM INCEquity7475251032,10015,836SH OTRNone15,83600
TERADYNE INCORPORATEDEquity8807701022,00816,500SH OTRNone16,50000
A T & T INCEquity00206R1021,93663,966SH OTRNone63,96600
ISHARES CORE S&P SMALL CAP ETFEquity4642878041,77816,378SH OTRNone16,37900
BLACKROCK INCEquity09247X1011,7352,301SH OTRNone2,30100
GILEAD SCIENCES INCEquity3755581031,72726,725SH OTRNone26,72500
DIAGEO PLC ADREquityG420891131,69710,335SH OTRNone10,33500
COCA COLA COMPANYEquity1912161001,67031,680SH OTRNone31,68000
VANGUARD INTL DIVIDEND APRECTN ETFEquity9219468101,66720,125SH OTRNone20,12500
VERIZON COMMUNICATNEquity92343V1041,64028,200SH OTRNone28,20000
CLIFFS NATURAL RESEquity18383K1011,63281,150SH OTRNone81,15000
SPDR BLMBRG BRCLY SHORT TERM HGH ETFEquity78468R4081,62559,475SH OTRNone59,47500
MERCK & CO INCEquity58933Y1051,61921,000SH OTRNone21,00000
HANESBRAND INCEquity4103451021,61682,175SH OTRNone82,17500
HEALTHPEAK PPTYS INC.Equity42250P1031,59750,305SH OTRNone50,30500
FORD MOTOR COMPANYEquity3453708601,521124,200SH OTRNone124,20000
VISA INC CLASS AEquity92826C8391,5037,100SH OTRNone7,10000
LOCKHEED MARTIN CORPEquity5398301091,4763,995SH OTRNone3,99500
LOWES COMPANIES INCEquity5486611071,4357,545SH OTRNone7,54600
SCHWAB LARGE CAP VALUE ETFEquity8085244091,36420,897SH OTRNone20,89800
VANGUARD SMALL CAP ETFEquity9229087511,3506,305SH OTRNone6,30500
BECTON DICKINSON&COEquity0758871091,3265,455SH OTRNone5,45500
REALTY INCM CORP REITEquity7561091041,28620,255SH OTRNone20,25500
RUSSELL MID CAP GROWTH ETFEquity4642874811,27612,500SH OTRNone12,50000
GOLDMAN SACHS GROUPEquity38141G1041,2743,895SH OTRNone3,89500
EXXON MOBIL CORPEquity30231G1021,25922,558SH OTRNone22,55800
VANGUARD TOTAL STOCK MARKET ETFEquity9229087691,2486,038SH OTRNone6,03800
ISHARES 1-3 YEAR CREDIT BOND ETFEquity4642886461,23222,523SH OTRNone22,52300
ISHARES CORE S&P 500 ETFEquity4642872001,2173,060SH OTRNone3,06000
ISHARES HIGH YIELD CORPORATE BOND ETFEquity46434V4071,21726,565SH OTRNone26,56500
EXELON CORPORATIONEquity30161N1011,10825,340SH OTRNone25,34000
WAL-MART STORES INCEquity9311421031,0958,065SH OTRNone8,06500
UNITED HEALTHCARE GROUPEquity91324P1021,0942,940SH OTRNone2,94000
EATON VANCE SENIOR FLOATEquity27828Q1051,08978,975SH OTRNone78,97500
ISHARES S&P 100 ETFEquity4642871011,0785,995SH OTRNone5,99500
ONEOAK INCEquity6826801031,06921,100SH OTRNone21,10000
VANGUARD DIVIDEND APPRECIATION ETFEquity9219088441,0006,800SH OTRNone6,80000
HONEYWELL INTL INCEquity4385161069934,575SH OTRNone4,57500
ALPS ALERIAN MLP ETFEquity00162Q86694130,840SH OTRNone30,84000
VANGUARD SMALL CAP VALUE ETFEquity9229086119335,631SH OTRNone5,63200
BERKSHIRE HATHAWAY CLASS BEquity0846707029143,576SH OTRNone3,57600
CHARLES SCHWAB US MID CAP ETFEquity80852450886511,625SH OTRNone11,62500
EBAY INCEquity27864210385113,895SH OTRNone13,89500
ISHARES MSCI EAFE ETFEquity46428746584011,075SH OTRNone11,07500
FREEPORT MCMORANEquity35671D85780724,500SH OTRNone24,50000
NUVEEN AMT FREE QUALITY INCOME FUNDEquity67065710580053,972SH OTRNone53,97200
ABBVIE INCEquity00287Y1097887,280SH OTRNone7,28000
BRISTOL MYLERS SQUIBBEquity11012210876412,108SH OTRNone12,10800
ISHARES CORE S&P MID CAP GROWTH ETFEquity4642876067639,740SH OTRNone9,74000
VANGUARD MID CAP ETFEquity9229086297203,255SH OTRNone3,25500
NOKIA CORP SPON FUNSPONSORED ADREquity654902204695175,450SH OTRNone175,45000
BANK OF AMERICA CORPEquity06050510467117,348SH OTRNone17,34800
STRYKER CORPEquity8636671016632,720SH OTRNone2,72000
FACEBOOKEquity30303M1026532,218SH OTRNone2,21800
WALT DISNEY COEquity2546871066433,486SH OTRNone3,48600
NUTRIENEquity67077M10861211,360SH OTRNone11,36000
ISHARES SELECT DIVIDEND ETFEquity4642871686055,300SH OTRNone5,30000
SPDR BLMBRG BRCLY HIGH YIELD BND ETFEquity78464A4175925,439SH OTRNone5,44000
SPDRS DOW JONES INDUSTIAL AVERAGEEquity78467X1095911,790SH OTRNone1,79000
ISHARES CORE S&P MID CAP ETFEquity4642875075672,180SH OTRNone2,18000
NORWEGIAN CRUISE LINEEquityG6672110455720,200SH OTRNone20,20000
ISHARES IBOXX HIGH YIELDBOND ETFEquity4642885135306,085SH OTRNone6,08500
PHILIP MORRIS INTLEquity7181721095105,749SH OTRNone5,74900
NOVARTIS AG FADREquity66987V1095095,960SH OTRNone5,96000
ISHARES IBOXX INVT GRADEBOND ETFEquity4642872425033,871SH OTRNone3,87100
BIOHAVEN PHARMACEUTICALSEquityG111961054967,250SH OTRNone7,25000
TENCENT HOLDINGSEquity88032XAD64956,200SH OTRNone6,20000
NVIDIAEquity67066G104483905SH OTRNone28500
CONOCOPHILLIPSEquity20825C1044799,044SH OTRNone9,04400
PHYSICIANS REALTY TRUSTEquity71943U10447927,094SH OTRNone27,09400
SELECT SECTOR UTI SELECTSPDR ETFEquity81369Y8864677,300SH OTRNone7,30000
ISHARES S&P SMALL CAP 600 GROWTH ETFEquity4642878874423,450SH OTRNone3,45000
GENERAL MOTORS COEquity37045V1004277,428SH OTRNone7,42800
AMAZONEquity023135106424137SH OTRNone13700
WALGREENS BOOTS ALLIANCEEquity9314271084137,515SH OTRNone7,51500
PEPSICO INCORPORATEDEquity7134481084092,893SH OTRNone2,89300
BAUSCH HEALTH COS INCEquity91911K10240512,750SH OTRNone12,75000
ANHEUSER BUSCH INBEVEquity7574731033906,205SH OTRNone6,20500
BP PLC FUNSPONSORED ADREquity05562210437415,375SH OTRNone15,37500
EDWARD LIFESCIENCESEquity28176E1083484,155SH OTRNone4,15500
ELI LILLY & COMPANYEquity5324571083461,850SH OTRNone1,85000
ALTRIA GROUP INCEquity02209S1033396,636SH OTRNone6,63600
DELL TECHNOLOGIESEquity24703L2023393,850SH OTRNone3,85000
ISHARES MBS ETFEquity4642885883373,104SH OTRNone3,10400
COSTCO WHOLESALEEquity22160K105328930SH OTRNone93000
ISHARES TIPS BOND ETFEquity4642871763262,597SH OTRNone2,59700
HUNTINGTON BANCSHSEquity44615010432420,581SH OTRNone20,58100
TORO CORPEquity8910921083193,090SH OTRNone3,09000
CHEVRON CORPORATIONEquity1667641003173,025SH OTRNone3,02500
ISHARES US HEALTHCARE ETFEquity4642877623051,210SH OTRNone1,21000
MARVELL TECH GROUPEquityG5876H1063046,200SH OTRNone6,20000
ADOBEEquity00724F101276580SH OTRNone58000
SPDR MSCI ACWI EX-US ETFEquity78463X8482719,375SH OTRNone9,37500
ECOLABEquity2788651002711,265SH OTRNone1,26500
ROPER TECHNOLOGIESEquity776696106269668SH OTRNone66800
KINDER MORGAN INCEquity49456B10126315,787SH OTRNone15,78700
ISHARES INTERNATIONAL SEL DIV ETFEquity4642884482598,218SH OTRNone8,21900
PRINCIPAL FINLEquity74251V1022474,125SH OTRNone4,12500
APPLIED MATERIALSEquity0382221052401,795SH OTRNone1,79500
MARRIOTT INTL INC CLASS AEquity5719032022371,600SH OTRNone1,60000
LABCORP OF AMERICAEquity50540R409236925SH OTRNone92500
DELTA AIRLINES INCEquity2473617022344,850SH OTRNone4,85000
MEDTRONIC PLC FEquityG5960L1032321,966SH OTRNone1,96600
ISHARES INTERNATIONAL PREFERRED ETFEquity46429B13522713,750SH OTRNone13,75000
PEMBINA PIPELINE CO FEquity7063271032177,507SH OTRNone7,50700
ILLINOIS TOOL WORKSEquity452308109215972SH OTRNone97200
ZOETIS INCEquity98978V1032111,338SH OTRNone1,33800
SANOFI SPOND FUNSPONSORED ADREquity5903281002084,200SH OTRNone4,20000
CLOROX COEquity1890541092071,075SH OTRNone1,07500
PHILLIPS 66Equity7185461042072,537SH OTRNone2,53700
AMERIPRISE FINANCIALEquity03076C106198850SH OTRNone85000
EATON VANCE FLOATING RATE ETFEquity27827910419714,000SH OTRNone14,00000
BT GROUP PLCEquityG1661210619692,000SH OTRNone92,00000
BLACKROCK MUNIASSETS CFEquity09254J10219412,700SH OTRNone12,70000
CHURCH & DWIGHTEquity1713401021902,175SH OTRNone2,17500
INTERCONTINENTAL INCEquity45866F1041891,690SH OTRNone1,69000
ISHARES US ENERGY ETFEquity4642877961867,100SH OTRNone7,10000
VANGUARD TOTAL BOND MKT ETFEquity9219378351792,118SH OTRNone2,11800
BLACKROCK MUNIY MICHIGANEquity09254V10517411,550SH OTRNone11,55000
ISHARES ESG AWARE MSCI USA ETFEquity46435G4251731,903SH OTRNone1,90300
POWERSHARES QQQ TRUST SRS 1 ETF IVEquity73935A104166519SH OTRNone51900
SELECT FINANCIAL SPDR ETFEquity81369Y6051624,750SH OTRNone4,75000
ISHARES S&P 600 ETFEquity4642878791611,600SH OTRNone241,80000
ISHARES ESG AWARE MSCI USA ETFEquity46435U6631604,145SH OTRNone4,14500
MONDELEZ INTL CLASS AEquity6092071051572,674SH OTRNone2,67400
VANGUARD S&P 500 ETFEquity922908363155425SH OTRNone42500
ISHARES RUSSELL 2000 ETFEquity464287655155700SH OTRNone70000
ISHARES S&P 500 VALUE ETFEquity4642874081521,075SH OTRNone1,07500
SPDR DEVELOPED WORLD EX-USA ETFEquity78463X8891504,250SH OTRNone4,25000
CSX CORPEquity1264081031501,558SH OTRNone1,55800
CROWDSTRIKE HLDGSEquity22788C105146800SH OTRNone80000
VANGUARD SHORT TERM BOND ETFEquity0921937821451,770SH OTRNone1,77000
RAYTHEON TECHNOLOGIESEquity09253P1091441,866SH OTRNone1,86600
ISHARES US FINANCIAL ETFEquity464287770139812SH OTRNone81200
HERSHEYS COEquity427866108136860SH OTRNone86000
BLACKROCK MUNIHOLDINGSEquity09253N1041277,961SH OTRNone7,96100
BIOGEN INCEquity09062X103126452SH OTRNone45200
ISHARES NASDAQ BIOTECHNOLOGYEquity464287556125830SH OTRNone83000
ISHARES CORE MSCI EAFE ETFEquity46432F8421121,550SH OTRNone1,55000
MARATHON PETROLEUMEquity56585A1021072,000SH OTRNone2,00000
ISHARES US REGIONAL BANKS ETFEquity4642887781031,820SH OTRNone1,82000