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 10,865 76,783 SH   OTR   76,783 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 9,510 187,060 SH   OTR   187,060 0 0
MICROSOFT CORP Equity 594918104 9,356 33,187 SH   OTR   33,187 0 0
ALPHABET INC. CLASS C Equity 02079K107 8,573 3,216 SH   OTR   3,216 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 7,826 71,102 SH   OTR   71,103 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 6,500 78,868 SH   OTR   78,868 0 0
JPMORGAN CHASE & CO Equity 46625H100 6,271 38,308 SH   OTR   38,308 0 0
SPDR S&P 500 ETF Equity 78462F103 5,533 12,894 SH   OTR   12,894 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 5,329 137,689 SH   OTR   137,689 0 0
VANGUARD VALUE ETF Equity 922908744 4,989 36,857 SH   OTR   36,857 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 4,727 18,165 SH   OTR   18,165 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 4,657 152,781 SH   OTR   152,782 0 0
JOHNSON & JOHNSON Equity 478160104 4,205 26,035 SH   OTR   26,035 0 0
CISCO SYSTEMS INC Equity 17275R102 4,203 77,211 SH   OTR   77,211 0 0
CVS HEALTH CORP Equity 126650100 4,195 49,432 SH   OTR   49,432 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 3,892 38,876 SH   OTR   38,877 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 3,745 33,072 SH   OTR   33,072 0 0
PROCTER & GAMBLE Equity 742718109 3,712 26,550 SH   OTR   26,550 0 0
CHARLES SCHWAB CORP Equity 808513105 3,536 48,549 SH   OTR   48,549 0 0
INTEL CORP Equity 458140100 3,505 65,786 SH   OTR   65,786 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 3,424 67,820 SH   OTR   67,821 0 0
PFIZER INCORPORATED Equity 717081103 3,156 73,372 SH   OTR   73,372 0 0
MC DONALDS CORP Equity 580135101 3,070 12,734 SH   OTR   12,734 0 0
CITIGROUP INC Equity 172967424 3,063 43,640 SH   OTR   43,640 0 0
NIKE INC CLASS B Equity 654106103 3,038 20,920 SH   OTR   20,920 0 0
CATERPILLAR INC Equity 149123101 3,005 15,656 SH   OTR   15,656 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 2,994 28,779 SH   OTR   28,780 0 0
AMGEN INCORPORATED Equity 031162100 2,952 13,884 SH   OTR   13,884 0 0
HOME DEPOT INC Equity 437076102 2,932 8,932 SH   OTR   8,932 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,876 27,691 SH   OTR   27,691 0 0
ORACLE CORPORATION Equity 68389X105 2,819 32,358 SH   OTR   32,358 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,732 1,022 SH   OTR   1,022 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,691 53,817 SH   OTR   53,817 0 0
BAIDU COM INC ADR Equity 056752108 2,498 16,245 SH   OTR   16,245 0 0
BOEING CO Equity 097023105 2,422 11,014 SH   OTR   11,014 0 0
EMERSON ELECTRIC CO Equity 291011104 2,396 25,435 SH   OTR   25,435 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,292 59,061 SH   OTR   59,062 0 0
QUALCOMM INC Equity 747525103 2,238 17,352 SH   OTR   17,352 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 2,120 4,408 SH   OTR   4,409 0 0
BATH & BODY WORKS, INC. Equity 070830104 2,072 32,875 SH   OTR   32,875 0 0
MERCK & CO INC Equity 58933Y105 2,059 27,407 SH   OTR   27,407 0 0
KRAFT HEINZ CO Equity 500754106 2,020 54,871 SH   OTR   54,871 0 0
DIAGEO PLC ADR Equity G42089113 1,975 10,235 SH   OTR   10,235 0 0
BLACKROCK INC Equity 09247X101 1,970 2,349 SH   OTR   2,349 0 0
GILEAD SCIENCES INC Equity 375558103 1,938 27,740 SH   OTR   27,740 0 0
A T & T INC Equity 00206R102 1,930 71,453 SH   OTR   71,453 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 1,890 12,764 SH   OTR   12,764 0 0
FEDEX CORPORATION Equity 31428X106 1,829 8,340 SH   OTR   8,340 0 0
TERADYNE INCORPORATED Equity 880770102 1,801 16,500 SH   OTR   16,500 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,789 16,380 SH   OTR   16,381 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,756 20,125 SH   OTR   20,125 0 0
VISA INC CLASS A Equity 92826C839 1,703 7,647 SH   OTR   7,647 0 0
COCA COLA COMPANY Equity 191216100 1,689 32,198 SH   OTR   32,198 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,678 50,130 SH   OTR   50,130 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,639 59,825 SH   OTR   59,825 0 0
FORD MOTOR COMPANY Equity 345370860 1,633 115,300 SH   OTR   115,300 0 0
HANESBRAND INC Equity 410345102 1,619 94,375 SH   OTR   94,375 0 0
CLIFFS NATURAL RES Equity 18383K101 1,588 80,150 SH   OTR   80,150 0 0
VERIZON COMMUNICATN Equity 92343V104 1,582 29,293 SH   OTR   29,293 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,548 4,095 SH   OTR   4,095 0 0
LOWES COMPANIES INC Equity 548661107 1,516 7,471 SH   OTR   7,472 0 0
BECTON DICKINSON&CO Equity 075887109 1,468 5,970 SH   OTR   5,970 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,449 4,200 SH   OTR   4,200 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,422 26,030 SH   OTR   26,031 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,415 3,621 SH   OTR   3,621 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,414 20,953 SH   OTR   20,954 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,406 6,430 SH   OTR   6,430 0 0
EXXON MOBIL CORP Equity 30231G102 1,404 23,874 SH   OTR   23,874 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 1,401 12,500 SH   OTR   12,500 0 0
ONEOAK INC Equity 682680103 1,400 24,135 SH   OTR   24,135 0 0
REALTY INCM CORP REIT Equity 756109104 1,388 21,405 SH   OTR   21,405 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,301 3,020 SH   OTR   3,020 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,300 5,856 SH   OTR   5,856 0 0
EXELON CORPORATION Equity 30161N101 1,206 24,940 SH   OTR   24,940 0 0
ISHARES S&P 100 ETF Equity 464287101 1,187 6,009 SH   OTR   6,010 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,168 25,565 SH   OTR   25,565 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 1,139 77,975 SH   OTR   77,975 0 0
WAL-MART STORES INC Equity 931142103 1,116 8,005 SH   OTR   8,005 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 1,075 7,000 SH   OTR   7,000 0 0
HONEYWELL INTL INC Equity 438516106 1,073 5,057 SH   OTR   5,057 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 1,073 196,950 SH   OTR   196,950 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 1,035 6,115 SH   OTR   6,115 0 0
STRYKER CORP Equity 863667101 1,034 3,920 SH   OTR   3,920 0 0
ABBVIE INC Equity 00287Y109 1,028 9,531 SH   OTR   9,531 0 0
EBAY INC Equity 278642103 968 13,895 SH   OTR   13,895 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 965 3,535 SH   OTR   3,535 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 955 28,640 SH   OTR   28,640 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 876 11,428 SH   OTR   11,429 0 0
ISHARES MSCI EAFE ETF Equity 464287465 864 11,075 SH   OTR   11,075 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 820 53,972 SH   OTR   53,972 0 0
NUTRIEN Equity 67077M108 801 12,350 SH   OTR   12,350 0 0
FREEPORT MCMORAN Equity 35671D857 797 24,500 SH   OTR   24,500 0 0
AMAZON Equity 023135106 788 240 SH   OTR   240 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 786 13,283 SH   OTR   13,283 0 0
VANGUARD MID CAP ETF Equity 922908629 771 3,255 SH   OTR   3,255 0 0
FACEBOOK Equity 30303M102 753 2,218 SH   OTR   2,218 0 0
BANK OF AMERICA CORP Equity 060505104 736 17,348 SH   OTR   17,348 0 0
WALT DISNEY CO Equity 254687106 670 3,959 SH   OTR   3,959 0 0
PHILIP MORRIS INTL Equity 718172109 642 6,773 SH   OTR   6,773 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 634 8,000 SH   OTR   8,000 0 0
VICTORIA SECRET & CO Equity 926400102 610 11,046 SH   OTR   11,046 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 608 5,300 SH   OTR   5,300 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109 606 1,790 SH   OTR   1,790 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 602 5,505 SH   OTR   5,506 0 0
NVIDIA Equity 67066G104 584 2,820 SH   OTR   285 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 573 2,180 SH   OTR   2,180 0 0
CONOCOPHILLIPS Equity 20825C104 572 8,444 SH   OTR   8,444 0 0
BIOHAVEN PHARMACEUTICALS Equity G11196105 549 3,950 SH   OTR   3,950 0 0
PEPSICO INCORPORATED Equity 713448108 540 3,592 SH   OTR   3,592 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 532 6,085 SH   OTR   6,085 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 530 30,094 SH   OTR   30,094 0 0
ELI LILLY & COMPANY Equity 532457108 518 2,242 SH   OTR   2,242 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 515 3,873 SH   OTR   3,874 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 504 18,425 SH   OTR   18,425 0 0
NOVARTIS AG FADR Equity 66987V109 487 5,960 SH   OTR   5,960 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 466 7,300 SH   OTR   7,300 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 449 3,450 SH   OTR   3,450 0 0
COSTCO WHOLESALE Equity 22160K105 418 930 SH   OTR   930 0 0
CHEVRON CORPORATION Equity 166764100 417 4,115 SH   OTR   4,115 0 0
DELL TECHNOLOGIES Equity 24703L202 401 3,850 SH   OTR   3,850 0 0
GENERAL MOTORS CO Equity 37045V100 392 7,428 SH   OTR   7,428 0 0
ADOBE Equity 00724F101 375 652 SH   OTR   652 0 0
MARVELL TECH GROUP Equity G5876H106 374 6,200 SH   OTR   6,200 0 0
TENCENT HOLDINGS Equity 88032XAD6 371 6,200 SH   OTR   6,200 0 0
MEDTRONIC PLC F Equity G5960L103 356 2,842 SH   OTR   2,842 0 0
BAUSCH HEALTH COS INC Equity 91911K102 355 12,750 SH   OTR   12,750 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 354 7,515 SH   OTR   7,515 0 0
HUNTINGTON BANCSHS Equity 446150104 343 22,177 SH   OTR   22,177 0 0
ISHARES MBS ETF Equity 464288588 336 3,104 SH   OTR   3,104 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 334 1,210 SH   OTR   1,210 0 0
ISHARES TIPS BOND ETF Equity 464287176 332 2,600 SH   OTR   2,601 0 0
ALTRIA GROUP INC Equity 02209S103 302 6,636 SH   OTR   6,636 0 0
ZOETIS INC Equity 98978V103 292 1,505 SH   OTR   1,505 0 0
ECOLAB Equity 278865100 281 1,347 SH   OTR   1,347 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 272 9,375 SH   OTR   9,375 0 0
KINDER MORGAN INC Equity 49456B101 264 15,787 SH   OTR   15,787 0 0
MONDELEZ INTL CLASS A Equity 609207105 263 4,528 SH   OTR   4,528 0 0
LABCORP OF AMERICA Equity 50540R409 260 925 SH   OTR   925 0 0
EDWARD LIFESCIENCES Equity 28176E108 258 2,280 SH   OTR   2,280 0 0
WYNN RESORTS Equity 983134107 254 3,000 SH   OTR   3,000 0 0
PRINCIPAL FINL Equity 74251V102 253 3,925 SH   OTR   3,925 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 251 8,248 SH   OTR   8,249 0 0
PEMBINA PIPELINE CO F Equity 706327103 238 7,507 SH   OTR   7,507 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 237 1,600 SH   OTR   1,600 0 0
ILLINOIS TOOL WORKS Equity 452308109 235 1,138 SH   OTR   1,138 0 0
APPLIED MATERIALS Equity 038222105 231 1,795 SH   OTR   1,795 0 0
PHILLIPS 66 Equity 718546104 225 3,210 SH   OTR   3,210 0 0
AMERIPRISE FINANCIAL Equity 03076C106 225 850 SH   OTR   850 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 204 14,000 SH   OTR   14,000 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 202 4,200 SH   OTR   4,200 0 0
ISHARES US ENERGY ETF Equity 464287796 201 7,100 SH   OTR   7,100 0 0
BT GROUP PLC Equity G16612106 198 92,000 SH   OTR   92,000 0 0
TEXAS INSTRUMENTS Equity 882508104 198 1,028 SH   OTR   1,028 0 0
CROWDSTRIKE HLDGS Equity 22788C105 197 800 SH   OTR   800 0 0
INTERCONTINENTAL INC Equity 45866F104 194 1,690 SH   OTR   1,690 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 193 12,700 SH   OTR   12,700 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 187 1,903 SH   OTR   1,903 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 186 519 SH   OTR   519 0 0
VANGUARD TOTAL BOND MKT ETF Equity 921937835 183 2,139 SH   OTR   2,140 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 181 2,110 SH   OTR   2,110 0 0
CHURCH & DWIGHT Equity 171340102 180 2,175 SH   OTR   2,175 0 0
VANGUARD S&P 500 ETF Equity 922908363 179 455 SH   OTR   455 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 179 11,550 SH   OTR   11,550 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 178 4,750 SH   OTR   4,750 0 0
MARSH & MCLENNAN CO Equity 571748102 177 1,168 SH   OTR   1,168 0 0
NEXTERA ENERGY INC Equity 65339F101 165 2,099 SH   OTR   2,099 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 162 4,145 SH   OTR   4,145 0 0
ISHARES S&P 600 ETF Equity 464287879 161 1,600 SH   OTR   241,800 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 156 1,075 SH   OTR   1,075 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 154 4,250 SH   OTR   4,250 0 0
AMERICAN EXPRESS Equity 025816109 153 915 SH   OTR   915 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 153 700 SH   OTR   700 0 0
ISHARES US FINANCIAL ETF Equity 464287770 153 812 SH   OTR   812 0 0
ROPER TECHNOLOGIES Equity 776696106 149 333 SH   OTR   333 0 0
HERSHEYS CO Equity 427866108 146 860 SH   OTR   860 0 0
TORO CORP Equity 891092108 145 1,490 SH   OTR   1,490 0 0
VANGUARD SHORT TERM BOND ETF Equity 921937827 145 1,770 SH   OTR   1,770 0 0
ABBOTT LABORATORIES Equity 002824100 142 1,204 SH   OTR   1,204 0 0
CSX CORP Equity 126408103 140 4,698 SH   OTR   4,699 0 0
ISHARES NASDAQ BIOTECHNOLOGY Equity 464287556 134 830 SH   OTR   830 0 0
BROADCOM INC Equity Y09827109 131 271 SH   OTR   271 0 0
BLACKROCK MUNIHOLDINGS Equity 09253N104 130 7,961 SH   OTR   7,961 0 0
ACCENTURE Equity G1151C101 128 400 SH   OTR   400 0 0
BIOGEN INC Equity 09062X103 128 452 SH   OTR   452 0 0
MARATHON PETROLEUM Equity 56585A102 124 2,000 SH   OTR   2,000 0 0
SALESFORCE COM Equity 79466L302 118 434 SH   OTR   434 0 0
AUTO DATA PROCESSING Equity 053015103 116 579 SH   OTR   579 0 0
ISHARES CORE MSCI EAFE ETF Equity 46432F842 115 1,550 SH   OTR   1,550 0 0
WELLS FARGO & CO Equity 949746101 115 2,475 SH   OTR   2,475 0 0
ISHARES US REGIONAL BANKS ETF Equity 464288778 110 1,820 SH   OTR   1,820 0 0
VANGUARD INFORMATION TECHNOLOGY ETF Equity 92204A702 108 270 SH   OTR   270 0 0
STARBUCKS CORP Equity 855244109 107 971 SH   OTR   971 0 0
COMCAST CORP Equity 20030N101 104 1,859 SH   OTR   1,859 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 103 625 SH   OTR   625 0 0
WEC ENERGY GROUP Equity 976657106 102 1,151 SH   OTR   1,151 0 0
GENERAL ELECTRICE CO Equity 369604103 100 975 SH   OTR   975 0 0