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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,782,990 16,240 SH   SOLE   0 0 16,240
ABBVIE INC COM 00287Y109   3,900,991 24,138 SH   SOLE   0 0 24,138
AMAZON COM INC COM 023135106   1,265,376 15,064 SH   SOLE   0 0 15,064
AMERICAN EXPRESS CO COM 025816109   1,959,461 13,262 SH   SOLE   0 0 13,262
APPLE INC COM 037833100   4,356,058 33,526 SH   SOLE   0 0 33,526
AT&T INC COM 00206R102   1,854,752 100,747 SH   SOLE   0 0 100,747
BANK AMERICA CORP COM 060505104   202,728 6,121 SH   SOLE   0 0 6,121
BLACKROCK MUNIYIELD MICH QU COM 09254V105   166,350 15,000 SH   SOLE   0 0 15,000
CARRIER GLOBAL CORPORATION COM 14448C104   864,600 20,960 SH   SOLE   0 0 20,960
CHEVRON CORP NEW COM 166764100   2,568,295 14,309 SH   SOLE   0 0 14,309
CISCO SYS INC COM 17275R102   2,035,514 42,727 SH   SOLE   0 0 42,727
COCA COLA CO COM 191216100   6,583,901 103,504 SH   SOLE   0 0 103,504
CONOCOPHILLIPS COM 20825C104   271,636 2,302 SH   SOLE   0 0 2,302
CRACKER BARREL OLD CTRY STOR COM 22410J106   378,960 4,000 SH   SOLE   0 0 4,000
CVS HEALTH CORP COM 126650100   2,967,729 31,846 SH   SOLE   0 0 31,846
DARDEN RESTAURANTS INC COM 237194105   916,851 6,628 SH   SOLE   0 0 6,628
EMERSON ELEC CO COM 291011104   2,653,658 27,625 SH   SOLE   0 0 27,625
EXXON MOBIL CORP COM 30231G102   5,657,031 51,288 SH   SOLE   0 0 51,288
GENUINE PARTS CO COM 372460105   258,530 1,490 SH   SOLE   0 0 1,490
GLOBAL X FDS US PFD ETF 37954Y657   5,895,124 304,343 SH   SOLE   0 0 304,343
HOME DEPOT INC COM 437076102   387,876 1,228 SH   SOLE   0 0 1,228
ISHARES TR RUSSELL 3000 ETF 464287689   243,189 1,102 SH   SOLE   0 0 1,102
ISHARES TR MSCI EAFE ETF 464287465   332,467 5,065 SH   SOLE   0 0 5,065
ISHARES TR US TELECOM ETF 464287713   256,016 11,414 SH   SOLE   0 0 11,414
JOHNSON & JOHNSON COM 478160104   2,461,359 13,934 SH   SOLE   0 0 13,934
JPMORGAN CHASE & CO COM 46625H100   4,480,831 33,414 SH   SOLE   0 0 33,414
KEYCORP COM 493267108   801,215 45,994 SH   SOLE   0 0 45,994
KLA CORP COM NEW 482480100   228,857 607 SH   SOLE   0 0 607
MICROSOFT CORP COM 594918104   4,793,773 19,989 SH   SOLE   0 0 19,989
NEXTERA ENERGY INC COM 65339F101   519,156 6,210 SH   SOLE   0 0 6,210
NORTHROP GRUMMAN CORP COM 666807102   4,366,517 8,003 SH   SOLE   0 0 8,003
NOVARTIS AG SPONSORED ADR 66987V109   726,849 8,012 SH   SOLE   0 0 8,012
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   1,128,528 82,919 SH   SOLE   0 0 82,919
NUVEEN OHIO QLTY MUN INCOME COM 670980101   558,068 43,977 SH   SOLE   0 0 43,977
OTIS WORLDWIDE CORP COM 68902V107   498,756 6,369 SH   SOLE   0 0 6,369
PARAMOUNT GLOBAL CLASS B COM 92556H206   911,469 53,997 SH   SOLE   0 0 53,997
PEPSICO INC COM 713448108   1,895,846 10,494 SH   SOLE   0 0 10,494
PFIZER INC COM 717081103   2,680,617 52,315 SH   SOLE   0 0 52,315
PGIM HIGH YIELD BOND FUND IN COM 69346H100   1,398,701 117,835 SH   SOLE   0 0 117,835
PGIM SHORT DUR HIG YLD OPP F COM 69355J104   2,872,042 195,510 SH   SOLE   0 0 195,510
PROCTER AND GAMBLE CO COM 742718109   228,631 1,509 SH   SOLE   0 0 1,509
QUALCOMM INC COM 747525103   1,716,053 15,609 SH   SOLE   0 0 15,609
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,419,944 14,070 SH   SOLE   0 0 14,070
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,627,793 75,203 SH   SOLE   0 0 75,203
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,552,775 20,556 SH   SOLE   0 0 20,556
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   266,589 4,038 SH   SOLE   0 0 4,038
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   310,632 6,880 SH   SOLE   0 0 6,880
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,682,958 82,191 SH   SOLE   0 0 82,191
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,940,041 60,231 SH   SOLE   0 0 60,231
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   222,796 4,010 SH   SOLE   0 0 4,010
SCHWAB STRATEGIC TR US TIPS ETF 808524870   829,831 16,023 SH   SOLE   0 0 16,023
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   245,481 3,482 SH   SOLE   0 0 3,482
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   418,369 12,233 SH   SOLE   0 0 12,233
SELECT SECTOR SPDR TR ENERGY 81369Y506   319,790 3,656 SH   SOLE   0 0 3,656
SPDR S&P 500 ETF TR TR UNIT 78462F103   478,802 1,252 SH   SOLE   0 0 1,252
STRYKER CORPORATION COM 863667101   3,431,173 14,034 SH   SOLE   0 0 14,034
TRUIST FINL CORP COM 89832Q109   2,510,973 58,354 SH   SOLE   0 0 58,354
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,832,089 24,337 SH   SOLE   0 0 24,337
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,558,007 8,149 SH   SOLE   0 0 8,149
VERIZON COMMUNICATIONS INC COM 92343V104   1,409,357 35,770 SH   SOLE   0 0 35,770
WALGREENS BOOTS ALLIANCE INC COM 931427108   360,113 9,639 SH   SOLE   0 0 9,639
WALMART INC COM 931142103   1,199,543 8,460 SH   SOLE   0 0 8,460