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 346 3,069 SH   SOLE   0 0 3,069
ALBEMARLE CORP COM 012653101 262 1,555 SH   SOLE   0 0 1,555
AMAZON COM INC COM 023135106 224 65 SH   SOLE   0 0 65
ANNALY CAPITAL MANAGEMENT IN COM 035710409 124 13,959 SH   SOLE   0 0 13,959
APOLLO GLOBAL MGMT INC COM CL A 03768E105 356 5,720 SH   SOLE   0 0 5,720
APPLE INC COM 037833100 4,075 29,752 SH   SOLE   0 0 29,752
BLACKROCK MUNIYLD MICH QLTY COM 09254V105 2,516 163,269 SH   SOLE   0 0 163,269
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 2,760 107,044 SH   SOLE   0 0 107,044
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 3,482 229,562 SH   SOLE   0 0 229,562
CATERPILLAR INC COM 149123101 223 1,025 SH   SOLE   0 0 1,025
DELTA AIR LINES INC DEL COM NEW 247361702 417 9,637 SH   SOLE   0 0 9,637
DISNEY WALT CO COM 254687106 932 5,302 SH   SOLE   0 0 5,302
DOW INC COM 260557103 1,072 16,941 SH   SOLE   0 0 16,941
DUKE ENERGY CORP NEW COM NEW 26441C204 452 4,583 SH   SOLE   0 0 4,583
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 575 10,990 SH   SOLE   0 0 10,990
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 286 4,480 SH   SOLE   0 0 4,480
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 231 1,965 SH   SOLE   0 0 1,965
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 278 6,775 SH   SOLE   0 0 6,775
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 5,076 246,421 SH   SOLE   0 0 246,421
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 465 4,388 SH   SOLE   0 0 4,388
GENERAL ELECTRIC CO COM 369604103 175 12,965 SH   SOLE   0 0 12,965
HOME DEPOT INC COM 437076102 408 1,280 SH   SOLE   0 0 1,280
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 5,099 332,806 SH   SOLE   0 0 332,806
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 11,946 235,433 SH   SOLE   0 0 235,433
JOHNSON & JOHNSON COM 478160104 261 1,587 SH   SOLE   0 0 1,587
JPMORGAN CHASE & CO COM 46625H100 1,221 7,852 SH   SOLE   0 0 7,852
MICROSOFT CORP COM 594918104 1,777 6,561 SH   SOLE   0 0 6,561
NEWMONT CORP COM 651639106 603 9,511 SH   SOLE   0 0 9,511
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 11,748 115,501 SH   SOLE   0 0 115,501
PIMCO ETF TR INV GRD CRP BD 72201R817 227 1,985 SH   SOLE   0 0 1,985
PROCTER AND GAMBLE CO COM 742718109 240 1,781 SH   SOLE   0 0 1,781
QUALCOMM INC COM 747525103 272 1,903 SH   SOLE   0 0 1,903
RAYTHEON TECHNOLOGIES CORP COM 75513E101 235 2,756 SH   SOLE   0 0 2,756
ROCKET COS INC COM CL A 77311W101 412 21,280 SH   SOLE   0 0 21,280
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 899 8,644 SH   SOLE   0 0 8,644
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 21,911 150,114 SH   SOLE   0 0 150,114
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 10,758 137,451 SH   SOLE   0 0 137,451
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,431 32,931 SH   SOLE   0 0 32,931
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,308 70,177 SH   SOLE   0 0 70,177
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 25,574 338,201 SH   SOLE   0 0 338,201
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,893 46,294 SH   SOLE   0 0 46,294
SPDR SER TR NUVEEN BBG BRCLY 78464A284 809 13,296 SH   SOLE   0 0 13,296
UNITED PARCEL SERVICE INC CL B 911312106 471 2,267 SH   SOLE   0 0 2,267
VALE S A SPONSORED ADS 91912E105 264 11,595 SH   SOLE   0 0 11,595
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,510 75,789 SH   SOLE   0 0 75,789
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 937 2,380 SH   SOLE   0 0 2,380
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,634 36,398 SH   SOLE   0 0 36,398
VERIZON COMMUNICATIONS INC COM 92343V104 550 9,818 SH   SOLE   0 0 9,818
ZOMEDICA CORP COM 98980M109 13 15,450 SH   SOLE   0 0 15,450