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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNC INVT CORP COM 00123Q104   233,430 23,158 SH   SOLE 0 0 0 23,158
ALPHABET INC CAP STK CL C 02079K107   319,800 3,075 SH   SOLE 0 0 0 3,075
AMAZON COM INC COM 023135106   320,922 3,107 SH   SOLE 0 0 0 3,107
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   3,104,071 162,432 SH   SOLE 0 0 0 162,432
APPLE INC COM 037833100   1,690,349 10,251 SH   SOLE 0 0 0 10,251
AUTOMATIC DATA PROCESSING IN COM 053015103   258,379 1,161 SH   SOLE 0 0 0 1,161
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,368,575 7,671 SH   SOLE 0 0 0 7,671
BLACKROCK INVT QUALITY MUN T COM 09247D105   347,906 28,824 SH   SOLE 0 0 0 28,824
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   290,252 28,428 SH   SOLE 0 0 0 28,428
BLACKROCK MUNI INCOME TR II COM 09249N101   110,192 10,269 SH   SOLE 0 0 0 10,269
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,580,915 214,184 SH   SOLE 0 0 0 214,184
BLACKROCK MUNICIPAL INCOME COM 09253X102   436,434 37,366 SH   SOLE 0 0 0 37,366
BLACKROCK MUNIYILD QULT FD I COM 09254F100   280,430 23,685 SH   SOLE 0 0 0 23,685
BLACKROCK MUNIYIELD MICH QU COM 09254V105   354,824 31,709 SH   SOLE 0 0 0 31,709
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105   285,651 13,152 SH   SOLE 0 0 0 13,152
CSX CORP COM 126408103   228,916 7,646 SH   SOLE 0 0 0 7,646
CATERPILLAR INC COM 149123101   243,699 1,065 SH   SOLE 0 0 0 1,065
CHEVRON CORP NEW COM 166764100   320,778 1,966 SH   SOLE 0 0 0 1,966
COCA COLA CO COM 191216100   236,209 3,808 SH   SOLE 0 0 0 3,808
DISNEY WALT CO COM 254687106   285,061 2,847 SH   SOLE 0 0 0 2,847
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   138,072 13,630 SH   SOLE 0 0 0 13,630
EATON VANCE MUN INCOME 2028 SHS 27829U105   270,995 15,233 SH   SOLE 0 0 0 15,233
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   589,135 47,244 SH   SOLE 0 0 0 47,244
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   274,964 6,090 SH   SOLE 0 0 0 6,090
GRACO INC COM 384109104   310,000 4,246 SH   SOLE 0 0 0 4,246
HOME DEPOT INC COM 437076102   318,952 1,081 SH   SOLE 0 0 0 1,081
INVESCO QQQ TR UNIT SER 1 46090E103   1,514,956 4,721 SH   SOLE 0 0 0 4,721
INVESCO MUNICIPAL TRUST COM 46131J103   241,542 24,349 SH   SOLE 0 0 0 24,349
INVESCO QUALITY MUN INCOME T COM 46133G107   243,203 24,369 SH   SOLE 0 0 0 24,369
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   256,650 4,113 SH   SOLE 0 0 0 4,113
ISHARES TR CORE S&P500 ETF 464287200   219,928 535 SH   SOLE 0 0 0 535
ISHARES TR CORE S&P MCP ETF 464287507   228,646 914 SH   SOLE 0 0 0 914
ISHARES TR CORE S&P SCP ETF 464287804   932,266 9,641 SH   SOLE 0 0 0 9,641
ISHARES TR MODERT ALLOC ETF 464289875   417,534 10,475 SH   SOLE 0 0 0 10,475
JPMORGAN CHASE & CO COM 46625H100   254,346 1,952 SH   SOLE 0 0 0 1,952
JOHNSON & JOHNSON COM 478160104   602,299 3,886 SH   SOLE 0 0 0 3,886
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   243,563 14,014 SH   SOLE 0 0 0 14,014
MCDONALDS CORP COM 580135101   332,376 1,189 SH   SOLE 0 0 0 1,189
NORFOLK SOUTHN CORP COM 655844108   207,423 978 SH   SOLE 0 0 0 978
NUVEEN AMT FREE QLTY MUN INC COM 670657105   145,889 13,119 SH   SOLE 0 0 0 13,119
NUVEEN QUALITY MUNCP INCOME COM 67066V101   399,938 34,687 SH   SOLE 0 0 0 34,687
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   1,054,090 88,208 SH   SOLE 0 0 0 88,208
NUVEEN AMT FREE MUN CR INC F COM 67071L106   369,397 31,358 SH   SOLE 0 0 0 31,358
PIMCO NEW YORK MUN INCOME FD COM 72200T103   141,548 15,745 SH   SOLE 0 0 0 15,745
PROCTER AND GAMBLE CO COM 742718109   517,876 3,483 SH   SOLE 0 0 0 3,483
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   204,137 3,269 SH   SOLE 0 0 0 3,269
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   398,195 12,397 SH   SOLE 0 0 0 12,397
SPDR SER TR PORTFOLIO SHORT 78464A474   280,503 9,467 SH   SOLE 0 0 0 9,467
SPDR SER TR S&P DIVID ETF 78464A763   391,198 3,162 SH   SOLE 0 0 0 3,162
SPDR SER TR PORTFOLI S&P1500 78464A805   16,392,845 325,061 SH   SOLE 0 0 0 325,061
SPDR SER TR PORTFOLIO S&P600 78468R853   205,890 5,451 SH   SOLE 0 0 0 5,451
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   12,342,980 257,952 SH   SOLE 0 0 0 257,952
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,058,250 21,878 SH   SOLE 0 0 0 21,878
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   477,527 7,327 SH   SOLE 0 0 0 7,327
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   358,062 5,277 SH   SOLE 0 0 0 5,277
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,231,459 29,369 SH   SOLE 0 0 0 29,369
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   299,755 6,302 SH   SOLE 0 0 0 6,302
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,478,395 20,208 SH   SOLE 0 0 0 20,208
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   403,610 11,598 SH   SOLE 0 0 0 11,598
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   668,749 14,256 SH   SOLE 0 0 0 14,256
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305   325,999 13,552 SH   SOLE 0 0 0 13,552
UNION PAC CORP COM 907818108   308,211 1,531 SH   SOLE 0 0 0 1,531
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   14,394,345 93,464 SH   SOLE 0 0 0 93,464
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   709,648 3,079 SH   SOLE 0 0 0 3,079
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   920,836 6,277 SH   SOLE 0 0 0 6,277
VANGUARD WELLINGTON FD US MINIMUM 921935409   1,668,859 16,963 SH   SOLE 0 0 0 16,963
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   499,645 11,061 SH   SOLE 0 0 0 11,061
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   816,686 7,741 SH   SOLE 0 0 0 7,741
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   3,696,110 50,164 SH   SOLE 0 0 0 50,164
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   771,981 15,678 SH   SOLE 0 0 0 15,678
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,014,366 11,015 SH   SOLE 0 0 0 11,015
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   896,853 16,773 SH   SOLE 0 0 0 16,773
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   82,597,286 426,815 SH   SOLE 0 0 0 426,815
VANGUARD WORLD FDS ENERGY ETF 92204A306   808,654 7,079 SH   SOLE 0 0 0 7,079
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   528,996 6,792 SH   SOLE 0 0 0 6,792
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   364,803 1,530 SH   SOLE 0 0 0 1,530
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   23,117,485 121,345 SH   SOLE 0 0 0 121,345
VANGUARD WORLD FDS INF TECH ETF 92204A702   28,830,897 74,794 SH   SOLE 0 0 0 74,794
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   854,767 11,213 SH   SOLE 0 0 0 11,213
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   855,095 4,665 SH   SOLE 0 0 0 4,665
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   758,177 4,069 SH   SOLE 0 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   873,947 10,894 SH   SOLE 0 0 0 10,894
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   484,740 9,569 SH   SOLE 0 0 0 9,569
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   37,805,670 100,528 SH   SOLE 0 0 0 100,528
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   286,430 3,449 SH   SOLE 0 0 0 3,449
VANGUARD INDEX FDS SML CP GRW ETF 922908595   819,468 3,787 SH   SOLE 0 0 0 3,787
VANGUARD INDEX FDS SM CP VAL ETF 922908611   764,814 4,817 SH   SOLE 0 0 0 4,817
VANGUARD INDEX FDS MID CAP ETF 922908629   818,607 3,881 SH   SOLE 0 0 0 3,881
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,121,610 43,663 SH   SOLE 0 0 0 43,663
VANGUARD INDEX FDS GROWTH ETF 922908736   2,450,704 9,825 SH   SOLE 0 0 0 9,825
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,652,284 8,716 SH   SOLE 0 0 0 8,716
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,238,319 133,456 SH   SOLE 0 0 0 133,456
WEC ENERGY GROUP INC COM 92939U106   278,493 2,938 SH   SOLE 0 0 0 2,938
WALMART INC COM 931142103   421,157 2,856 SH   SOLE 0 0 0 2,856
WESTERN ASSET MANAGED MUNS F COM 95766M105   387,280 37,673 SH   SOLE 0 0 0 37,673
XCEL ENERGY INC COM 98389B100   207,676 3,079 SH   SOLE 0 0 0 3,079