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 13,544 76,273 SH   OTR   76,273 0 0
MICROSOFT CORP Equity 594918104 11,064 32,897 SH   OTR   32,897 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 9,964 196,411 SH   OTR   196,411 0 0
ALPHABET INC. CLASS C Equity 02079K107 9,119 3,151 SH   OTR   3,151 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 8,131 74,559 SH   OTR   74,560 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 6,826 84,004 SH   OTR   84,004 0 0
JPMORGAN CHASE & CO Equity 46625H100 6,180 39,025 SH   OTR   39,025 0 0
SPDR S&P 500 ETF Equity 78462F103 5,981 12,592 SH   OTR   12,593 0 0
VANGUARD VALUE ETF Equity 922908744 5,607 38,117 SH   OTR   38,117 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 5,391 138,694 SH   OTR   138,694 0 0
CVS HEALTH CORP Equity 126650100 5,120 49,632 SH   OTR   49,632 0 0
CISCO SYSTEMS INC Equity 17275R102 4,944 78,011 SH   OTR   78,011 0 0
JOHNSON & JOHNSON Equity 478160104 4,656 27,215 SH   OTR   27,215 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 4,538 153,202 SH   OTR   153,202 0 0
PFIZER INCORPORATED Equity 717081103 4,392 74,372 SH   OTR   74,372 0 0
PROCTER & GAMBLE Equity 742718109 4,343 26,550 SH   OTR   26,550 0 0
CHARLES SCHWAB CORP Equity 808513105 4,083 48,549 SH   OTR   48,549 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 4,047 33,072 SH   OTR   33,072 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 4,003 39,095 SH   OTR   39,096 0 0
HOME DEPOT INC Equity 437076102 3,696 8,907 SH   OTR   8,907 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 3,666 19,440 SH   OTR   19,440 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 3,585 70,210 SH   OTR   70,210 0 0
INTEL CORP Equity 458140100 3,438 66,761 SH   OTR   66,761 0 0
MC DONALDS CORP Equity 580135101 3,347 12,484 SH   OTR   12,484 0 0
NIKE INC CLASS B Equity 654106103 3,340 20,040 SH   OTR   20,040 0 0
CATERPILLAR INC Equity 149123101 3,299 15,956 SH   OTR   15,956 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 3,279 28,812 SH   OTR   28,813 0 0
AMGEN INCORPORATED Equity 031162100 3,222 14,324 SH   OTR   14,324 0 0
QUALCOMM INC Equity 747525103 3,173 17,352 SH   OTR   17,352 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 3,134 27,729 SH   OTR   27,729 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,961 1,022 SH   OTR   1,022 0 0
ORACLE CORPORATION Equity 68389X105 2,785 31,933 SH   OTR   31,933 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,784 56,298 SH   OTR   56,298 0 0
CITIGROUP INC Equity 172967424 2,750 45,540 SH   OTR   45,540 0 0
TERADYNE INCORPORATED Equity 880770102 2,698 16,500 SH   OTR   16,500 0 0
BAIDU COM INC ADR Equity 056752108 2,510 16,870 SH   OTR   16,870 0 0
FORD MOTOR COMPANY Equity 345370860 2,395 115,300 SH   OTR   115,300 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,380 60,354 SH   OTR   60,354 0 0
EMERSON ELECTRIC CO Equity 291011104 2,353 25,310 SH   OTR   25,310 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 2,270 4,384 SH   OTR   4,384 0 0
DIAGEO PLC ADR Equity G42089113 2,253 10,235 SH   OTR   10,235 0 0
BOEING CO Equity 097023105 2,250 11,174 SH   OTR   11,174 0 0
FEDEX CORPORATION Equity 31428X106 2,235 8,640 SH   OTR   8,640 0 0
BATH & BODY WORKS, INC. Equity 070830104 2,170 31,087 SH   OTR   31,087 0 0
BLACKROCK INC Equity 09247X101 2,146 2,344 SH   OTR   2,344 0 0
KRAFT HEINZ CO Equity 500754106 2,033 56,621 SH   OTR   56,621 0 0
GILEAD SCIENCES INC Equity 375558103 2,020 27,820 SH   OTR   27,820 0 0
COCA COLA COMPANY Equity 191216100 1,911 32,273 SH   OTR   32,273 0 0
LOWES COMPANIES INC Equity 548661107 1,880 7,271 SH   OTR   7,272 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,876 16,385 SH   OTR   16,386 0 0
MERCK & CO INC Equity 58933Y105 1,861 24,282 SH   OTR   24,282 0 0
A T & T INC Equity 00206R102 1,854 75,384 SH   OTR   75,384 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,818 3,621 SH   OTR   3,621 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,809 50,130 SH   OTR   50,130 0 0
CLIFFS NATURAL RES Equity 18383K101 1,745 80,150 SH   OTR   80,150 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,719 20,125 SH   OTR   20,125 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 1,700 14,314 SH   OTR   14,314 0 0
HANESBRAND INC Equity 410345102 1,687 100,925 SH   OTR   100,925 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,672 4,705 SH   OTR   4,705 0 0
VISA INC CLASS A Equity 92826C839 1,657 7,647 SH   OTR   7,647 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,639 22,379 SH   OTR   22,380 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,624 59,825 SH   OTR   59,825 0 0
BECTON DICKINSON&CO Equity 075887109 1,586 6,305 SH   OTR   6,305 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,565 4,090 SH   OTR   4,090 0 0
VERIZON COMMUNICATN Equity 92343V104 1,552 29,876 SH   OTR   29,876 0 0
REALTY INCM CORP REIT Equity 756109104 1,532 21,405 SH   OTR   21,405 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,470 6,502 SH   OTR   6,502 0 0
EXXON MOBIL CORP Equity 30231G102 1,461 23,872 SH   OTR   23,872 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,457 27,036 SH   OTR   27,037 0 0
EXELON CORPORATION Equity 30161N101 1,441 24,940 SH   OTR   24,940 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 1,440 12,500 SH   OTR   12,500 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,419 5,876 SH   OTR   5,876 0 0
ONEOAK INC Equity 682680103 1,418 24,135 SH   OTR   24,135 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,417 2,970 SH   OTR   2,970 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 1,321 212,450 SH   OTR   212,450 0 0
ISHARES S&P 100 ETF Equity 464287101 1,320 6,025 SH   OTR   6,025 0 0
ABBVIE INC Equity 00287Y109 1,311 9,681 SH   OTR   9,681 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 1,202 7,000 SH   OTR   7,000 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 1,177 6,580 SH   OTR   6,580 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,158 25,565 SH   OTR   25,565 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 1,151 77,975 SH   OTR   77,975 0 0
WAL-MART STORES INC Equity 931142103 1,147 7,930 SH   OTR   7,930 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 1,057 3,535 SH   OTR   3,535 0 0
HONEYWELL INTL INC Equity 438516106 1,054 5,057 SH   OTR   5,057 0 0
STRYKER CORP Equity 863667101 1,048 3,920 SH   OTR   3,920 0 0
FREEPORT MCMORAN Equity 35671D857 1,022 24,500 SH   OTR   24,500 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 938 28,640 SH   OTR   28,640 0 0
NUTRIEN Equity 67077M108 929 12,350 SH   OTR   12,350 0 0
EBAY INC Equity 278642103 924 13,895 SH   OTR   13,895 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 919 11,430 SH   OTR   11,431 0 0
ISHARES MSCI EAFE ETF Equity 464287465 871 11,075 SH   OTR   11,075 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 842 53,972 SH   OTR   53,972 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 839 13,458 SH   OTR   13,458 0 0
VANGUARD MID CAP ETF Equity 922908629 836 3,280 SH   OTR   3,280 0 0
AMAZON Equity 023135106 800 240 SH   OTR   240 0 0
BANK OF AMERICA CORP Equity 060505104 794 17,848 SH   OTR   17,848 0 0
FACEBOOK Equity 30303M102 724 2,153 SH   OTR   2,153 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 682 8,000 SH   OTR   8,000 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109 650 1,790 SH   OTR   1,790 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 650 5,300 SH   OTR   5,300 0 0
PHILIP MORRIS INTL Equity 718172109 643 6,773 SH   OTR   6,773 0 0
PEPSICO INCORPORATED Equity 713448108 624 3,592 SH   OTR   3,592 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 617 2,180 SH   OTR   2,180 0 0
WALT DISNEY CO Equity 254687106 613 3,959 SH   OTR   3,959 0 0
VICTORIA SECRET & CO Equity 926400102 601 10,814 SH   OTR   10,814 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 598 5,510 SH   OTR   5,511 0 0
NVIDIA Equity 67066G104 594 2,020 SH   OTR   285 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 590 31,344 SH   OTR   31,344 0 0
CONOCOPHILLIPS Equity 20825C104 573 7,934 SH   OTR   7,934 0 0
ELI LILLY & COMPANY Equity 532457108 552 2,000 SH   OTR   2,000 0 0
BIOHAVEN PHARMACEUTICALS Equity G11196105 544 3,950 SH   OTR   3,950 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 529 6,085 SH   OTR   6,085 0 0
COSTCO WHOLESALE Equity 22160K105 528 930 SH   OTR   930 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 523 7,300 SH   OTR   7,300 0 0
NOVARTIS AG FADR Equity 66987V109 521 5,960 SH   OTR   5,960 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 514 3,875 SH   OTR   3,875 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 511 19,175 SH   OTR   19,175 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 479 3,450 SH   OTR   3,450 0 0
CHEVRON CORPORATION Equity 166764100 478 4,070 SH   OTR   4,070 0 0
GENERAL MOTORS CO Equity 37045V100 436 7,428 SH   OTR   7,428 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 392 7,515 SH   OTR   7,515 0 0
ADOBE Equity 00724F101 370 652 SH   OTR   652 0 0
ZOETIS INC Equity 98978V103 367 1,505 SH   OTR   1,505 0 0
TENCENT HOLDINGS Equity 88032XAD6 361 6,200 SH   OTR   6,200 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 359 1,195 SH   OTR   1,195 0 0
BAUSCH HEALTH COS INC Equity 91911K102 352 12,750 SH   OTR   12,750 0 0
HUNTINGTON BANCSHS Equity 446150104 342 22,177 SH   OTR   22,177 0 0
ISHARES TIPS BOND ETF Equity 464287176 336 2,602 SH   OTR   2,602 0 0
ISHARES MBS ETF Equity 464288588 333 3,104 SH   OTR   3,104 0 0
MARVELL TECH GROUP Equity G5876H106 332 3,800 SH   OTR   3,800 0 0
ECOLAB Equity 278865100 316 1,347 SH   OTR   1,347 0 0
ALTRIA GROUP INC Equity 02209S103 314 6,636 SH   OTR   6,636 0 0
MONDELEZ INTL CLASS A Equity 609207105 300 4,528 SH   OTR   4,528 0 0
EDWARD LIFESCIENCES Equity 28176E108 295 2,280 SH   OTR   2,280 0 0
MEDTRONIC PLC F Equity G5960L103 294 2,842 SH   OTR   2,842 0 0
LABCORP OF AMERICA Equity 50540R409 291 925 SH   OTR   925 0 0
PRINCIPAL FINL Equity 74251V102 284 3,925 SH   OTR   3,925 0 0
APPLIED MATERIALS Equity 038222105 282 1,795 SH   OTR   1,795 0 0
ILLINOIS TOOL WORKS Equity 452308109 281 1,138 SH   OTR   1,138 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 275 9,375 SH   OTR   9,375 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 264 1,600 SH   OTR   1,600 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 258 8,282 SH   OTR   8,282 0 0
AMERIPRISE FINANCIAL Equity 03076C106 256 850 SH   OTR   850 0 0
KINDER MORGAN INC Equity 49456B101 250 15,787 SH   OTR   15,787 0 0
INTERCONTINENTAL INC Equity 45866F104 231 1,690 SH   OTR   1,690 0 0
PEMBINA PIPELINE CO F Equity 706327103 228 7,507 SH   OTR   7,507 0 0
CHURCH & DWIGHT Equity 171340102 223 2,175 SH   OTR   2,175 0 0
DELL TECHNOLOGIES Equity 24703L202 216 3,850 SH   OTR   3,850 0 0
ISHARES US ENERGY ETF Equity 464287796 214 7,100 SH   OTR   7,100 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 211 14,000 SH   OTR   14,000 0 0
PHILLIPS 66 Equity 718546104 211 2,910 SH   OTR   2,910 0 0
BT GROUP PLC Equity G16612106 210 92,000 SH   OTR   92,000 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 207 2,410 SH   OTR   2,410 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 205 1,903 SH   OTR   1,903 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 205 5,250 SH   OTR   5,250 0 0
MARSH & MCLENNAN CO Equity 571748102 203 1,168 SH   OTR   1,168 0 0
VANGUARD S&P 500 ETF Equity 922908363 199 455 SH   OTR   455 0 0
VMWARE INC Equity 928563402 196 1,694 SH   OTR   1,694 0 0
NEXTERA ENERGY INC Equity 65339F101 196 2,099 SH   OTR   2,099 0 0
TEXAS INSTRUMENTS Equity 882508104 194 1,028 SH   OTR   1,028 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 193 485 SH   OTR   485 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 189 12,700 SH   OTR   12,700 0 0
BROADCOM INC Equity Y09827109 180 271 SH   OTR   271 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 177 11,550 SH   OTR   11,550 0 0
CSX CORP Equity 126408103 177 4,709 SH   OTR   4,710 0 0
ABBOTT LABORATORIES Equity 002824100 169 1,204 SH   OTR   1,204 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 168 1,075 SH   OTR   1,075 0 0
ISHARES S&P 600 ETF Equity 464287879 167 1,600 SH   OTR   241,800 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 167 4,145 SH   OTR   4,145 0 0
HERSHEYS CO Equity 427866108 166 860 SH   OTR   860 0 0
ACCENTURE Equity G1151C101 166 400 SH   OTR   400 0 0
CROWDSTRIKE HLDGS Equity 22788C105 164 800 SH   OTR   800 0 0
ROPER TECHNOLOGIES Equity 776696106 164 333 SH   OTR   333 0 0
ISHARES US FINANCIAL ETF Equity 464287770 157 812 SH   OTR   812 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 156 700 SH   OTR   700 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 155 4,250 SH   OTR   4,250 0 0
AMERICAN EXPRESS Equity 025816109 150 915 SH   OTR   915 0 0
TORO CORP Equity 891092108 149 1,490 SH   OTR   1,490 0 0
VANGUARD SHORT TERM BOND ETF Equity 921937827 143 1,770 SH   OTR   1,770 0 0
AUTO DATA PROCESSING Equity 053015103 143 579 SH   OTR   579 0 0
VALE SA ADR Equity 91912E105 140 10,000 SH   OTR   10,000 0 0
BLACKROCK MUNIHOLDINGS Equity 09253N104 133 7,961 SH   OTR   7,961 0 0
MARATHON PETROLEUM Equity 56585A102 128 2,000 SH   OTR   2,000 0 0
TELSA Equity 88160R101 127 120 SH   OTR   120 0 0
ISHARES NASDAQ BIOTECHNOLOGY Equity 464287556 127 830 SH   OTR   830 0 0
ISHARES CORE MSCI EAFE ETF Equity 46432F842 116 1,550 SH   OTR   1,550 0 0
STARBUCKS CORP Equity 855244109 114 971 SH   OTR   971 0 0
ISHARES US REGIONAL BANKS ETF Equity 464288778 112 1,820 SH   OTR   1,820 0 0
WEC ENERGY GROUP Equity 976657106 112 1,151 SH   OTR   1,151 0 0
SALESFORCE COM Equity 79466L302 110 434 SH   OTR   434 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 110 2,200 SH   OTR   2,200 0 0
ISHARES GLOBAL 100 ETF Equity 590328100 109 1,400 SH   OTR   1,400 0 0
BIOGEN INC Equity 09062X103 108 452 SH   OTR   452 0 0
CROWN CASTLE INTEL REIT Equity 22822V101 108 515 SH   OTR   515 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 107 625 SH   OTR   625 0 0
VANGUARD INFORMATION TECHNOLOGY ETF Equity 92204A702 101 220 SH   OTR   220 0 0