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
AMAZON COM INC COM 023135106 263 135 SH   SOLE   0 0 135
APOLLO GLOBAL MGMT INC COM CL A 03768E105 394 11,765 SH   SOLE   0 0 11,765
APPLE INC COM 037833100 1,812 7,125 SH   SOLE   0 0 7,125
AT&T INC COM 00206R102 236 8,104 SH   SOLE   0 0 8,104
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 2,849 215,013 SH   SOLE   0 0 215,013
BP PLC SPONSORED ADR 055622104 201 8,227 SH   SOLE   0 0 8,227
CALAMOS CONV OPP AND INC FD SH BEN INT 128117108 2,901 347,813 SH   SOLE   0 0 347,813
DOW INC COM 260557103 405 13,835 SH   SOLE   0 0 13,835
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 358 5,708 SH   SOLE   0 0 5,708
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 239 4,388 SH   SOLE   0 0 4,388
INVESCO EXCH TRD SLF IDX FD DEFENSIVE EQTY 46138J775 350 7,818 SH   SOLE   0 0 7,818
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 2,288 110,782 SH   SOLE   0 0 110,782
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,774 85,585 SH   SOLE   0 0 85,585
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 3,119 147,238 SH   SOLE   0 0 147,238
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 331 7,065 SH   SOLE   0 0 7,065
INVESCO EXCHANGE-TRADED FD T PFD ETF 46138E511 2,238 170,056 SH   SOLE   0 0 170,056
JOHNSON & JOHNSON COM 478160104 205 1,561 SH   SOLE   0 0 1,561
JPMORGAN CHASE & CO COM 46625H100 224 2,485 SH   SOLE   0 0 2,485
MICROSOFT CORP COM 594918104 558 3,537 SH   SOLE   0 0 3,537
NEWMONT CORP COM 651639106 393 8,685 SH   SOLE   0 0 8,685
PIMCO ETF TR INV GRD CRP BD 72201R817 463 4,369 SH   SOLE   0 0 4,369
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 7,874 79,556 SH   SOLE   0 0 79,556
PROCTER & GAMBLE CO COM 742718109 209 1,899 SH   SOLE   0 0 1,899
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 600 9,792 SH   SOLE   0 0 9,792
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 14,920 187,316 SH   SOLE   0 0 187,316
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,768 65,669 SH   SOLE   0 0 65,669
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 597 28,854 SH   SOLE   0 0 28,854
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 13,099 291,203 SH   SOLE   0 0 291,203
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,034 31,595 SH   SOLE   0 0 31,595
SPDR SER TR NUVEEN BBG BRCLY 78464A284 826 15,098 SH   SOLE   0 0 15,098
SPDR SER TR BLMBRG BRC CNVRT 78464A359 256 5,345 SH   SOLE   0 0 5,345
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 10,788 224,936 SH   SOLE   0 0 224,936
UNITED PARCEL SERVICE INC CL B 911312106 314 3,360 SH   SOLE   0 0 3,360
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 452 1,907 SH   SOLE   0 0 1,907
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,524 14,737 SH   SOLE   0 0 14,737