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
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109 239 2,234 SH   SOLE   0 0 2,234
ALBEMARLE CORP COM 012653101 242 1,640 SH   SOLE   0 0 1,640
AMAZON COM INC COM 023135106 358 110 SH   SOLE   0 0 110
ANNALY CAPITAL MANAGEMENT IN COM 035710409 146 17,335 SH   SOLE   0 0 17,335
APOLLO GLOBAL MGMT INC COM CL A 03768E105 363 7,403 SH   SOLE   0 0 7,403
APPLE INC COM 037833100 4,021 30,302 SH   SOLE   0 0 30,302
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 3,041 208,720 SH   SOLE   0 0 208,720
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 3,548 262,037 SH   SOLE   0 0 262,037
CARDINAL HEALTH INC COM 14149Y108 235 4,384 SH   SOLE   0 0 4,384
DELTA AIR LINES INC DEL COM NEW 247361702 341 8,485 SH   SOLE   0 0 8,485
DISNEY WALT CO COM 254687106 924 5,098 SH   SOLE   0 0 5,098
DOW INC COM 260557103 1,062 19,145 SH   SOLE   0 0 19,145
DUKE ENERGY CORP NEW COM NEW 26441C204 428 4,674 SH   SOLE   0 0 4,674
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 389 9,225 SH   SOLE   0 0 9,225
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 247 4,280 SH   SOLE   0 0 4,280
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 653 6,246 SH   SOLE   0 0 6,246
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 3,294 163,159 SH   SOLE   0 0 163,159
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 407 4,278 SH   SOLE   0 0 4,278
HOME DEPOT INC COM 437076102 369 1,390 SH   SOLE   0 0 1,390
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 4,034 264,331 SH   SOLE   0 0 264,331
INVESCO EXCH TRD SLF IDX FD DEFENSIVE EQTY 46138J775 407 6,873 SH   SOLE   0 0 6,873
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 2,278 101,737 SH   SOLE   0 0 101,737
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,699 77,585 SH   SOLE   0 0 77,585
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 282 990 SH   SOLE   0 0 990
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 5,291 104,168 SH   SOLE   0 0 104,168
JOHNSON & JOHNSON COM 478160104 250 1,587 SH   SOLE   0 0 1,587
JPMORGAN CHASE & CO COM 46625H100 993 7,815 SH   SOLE   0 0 7,815
MICROSOFT CORP COM 594918104 1,398 6,286 SH   SOLE   0 0 6,286
NEWMONT CORP COM 651639106 560 9,345 SH   SOLE   0 0 9,345
PIMCO ETF TR INV GRD CRP BD 72201R817 500 4,269 SH   SOLE   0 0 4,269
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 13,367 130,999 SH   SOLE   0 0 130,999
PROCTER AND GAMBLE CO COM 742718109 264 1,899 SH   SOLE   0 0 1,899
RAYTHEON TECHNOLOGIES CORP COM 75513E101 259 3,625 SH   SOLE   0 0 3,625
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 941 10,341 SH   SOLE   0 0 10,341
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 25,449 198,181 SH   SOLE   0 0 198,181
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,890 115,727 SH   SOLE   0 0 115,727
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,691 19,002 SH   SOLE   0 0 19,002
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 859 28,016 SH   SOLE   0 0 28,016
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 19,902 310,317 SH   SOLE   0 0 310,317
SCHWAB STRATEGIC TR US REIT ETF 808524847 728 19,163 SH   SOLE   0 0 19,163
SPDR SER TR NUVEEN BBG BRCLY 78464A284 785 13,307 SH   SOLE   0 0 13,307
SPDR SER TR BLMBRG BRC CNVRT 78464A359 429 5,180 SH   SOLE   0 0 5,180
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 301 6,110 SH   SOLE   0 0 6,110
TESLA INC COM 88160R101 240 340 SH   SOLE   0 0 340
UNITED PARCEL SERVICE INC CL B 911312106 430 2,552 SH   SOLE   0 0 2,552
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,916 78,420 SH   SOLE   0 0 78,420
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,003 2,917 SH   SOLE   0 0 2,917
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,951 35,072 SH   SOLE   0 0 35,072