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
ABBVIE INC COM 00287Y109 348 3,219 SH   SOLE   0 0 3,219
ALBEMARLE CORP COM 012653101 240 1,640 SH   SOLE   0 0 1,640
AMAZON COM INC COM 023135106 278 90 SH   SOLE   0 0 90
ANNALY CAPITAL MANAGEMENT IN COM 035710409 140 16,297 SH   SOLE   0 0 16,297
APOLLO GLOBAL MGMT INC COM CL A 03768E105 284 6,050 SH   SOLE   0 0 6,050
APPLE INC COM 037833100 3,657 29,937 SH   SOLE   0 0 29,937
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 3,205 213,215 SH   SOLE   0 0 213,215
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 3,487 245,209 SH   SOLE   0 0 245,209
DELTA AIR LINES INC DEL COM NEW 247361702 438 9,082 SH   SOLE   0 0 9,082
DISNEY WALT CO COM 254687106 972 5,268 SH   SOLE   0 0 5,268
DOW INC COM 260557103 1,196 18,713 SH   SOLE   0 0 18,713
DUKE ENERGY CORP NEW COM NEW 26441C204 476 4,926 SH   SOLE   0 0 4,926
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 499 10,200 SH   SOLE   0 0 10,200
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 252 4,280 SH   SOLE   0 0 4,280
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 470 4,443 SH   SOLE   0 0 4,443
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 4,562 226,409 SH   SOLE   0 0 226,409
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 413 4,313 SH   SOLE   0 0 4,313
HOME DEPOT INC COM 437076102 424 1,390 SH   SOLE   0 0 1,390
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 4,244 282,906 SH   SOLE   0 0 282,906
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 667 30,090 SH   SOLE   0 0 30,090
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 557 25,565 SH   SOLE   0 0 25,565
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 286 963 SH   SOLE   0 0 963
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 8,400 165,510 SH   SOLE   0 0 165,510
JOHNSON & JOHNSON COM 478160104 261 1,587 SH   SOLE   0 0 1,587
JPMORGAN CHASE & CO COM 46625H100 1,201 7,890 SH   SOLE   0 0 7,890
MICROSOFT CORP COM 594918104 1,511 6,411 SH   SOLE   0 0 6,411
NEWMONT CORP COM 651639106 634 10,520 SH   SOLE   0 0 10,520
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 16,486 161,679 SH   SOLE   0 0 161,679
PIMCO ETF TR INV GRD CRP BD 72201R817 266 2,384 SH   SOLE   0 0 2,384
PROCTER AND GAMBLE CO COM 742718109 237 1,749 SH   SOLE   0 0 1,749
QUALCOMM INC COM 747525103 224 1,688 SH   SOLE   0 0 1,688
RAYTHEON TECHNOLOGIES CORP COM 75513E101 222 2,870 SH   SOLE   0 0 2,870
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 954 9,931 SH   SOLE   0 0 9,931
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,343 172,162 SH   SOLE   0 0 172,162
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,060 135,159 SH   SOLE   0 0 135,159
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,177 31,879 SH   SOLE   0 0 31,879
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,187 68,812 SH   SOLE   0 0 68,812
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 24,645 337,978 SH   SOLE   0 0 337,978
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,747 28,575 SH   SOLE   0 0 28,575
SHERWIN WILLIAMS CO COM 824348106 436 591 SH   SOLE   0 0 591
SPDR SER TR NUVEEN BBG BRCLY 78464A284 789 13,296 SH   SOLE   0 0 13,296
SPDR SER TR BLMBRG BRC CNVRT 78464A359 313 3,750 SH   SOLE   0 0 3,750
TESLA INC COM 88160R101 227 340 SH   SOLE   0 0 340
UNITED PARCEL SERVICE INC CL B 911312106 424 2,492 SH   SOLE   0 0 2,492
VALE S A SPONSORED ADS 91912E105 206 11,860 SH   SOLE   0 0 11,860
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,389 51,803 SH   SOLE   0 0 51,803
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,064 2,922 SH   SOLE   0 0 2,922
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,320 36,172 SH   SOLE   0 0 36,172
VERIZON COMMUNICATIONS INC COM 92343V104 545 9,368 SH   SOLE   0 0 9,368