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
ABBVIE INC COM 00287Y109   228,680 1,534 SH   SOLE   0 0 1,534
ALBEMARLE CORP COM 012653101   206,599 1,215 SH   SOLE   0 0 1,215
AMAZON COM INC COM 023135106   607,125 4,776 SH   SOLE   0 0 4,776
AON PLC SHS CL A G0403H108   404,627 1,248 SH   SOLE   0 0 1,248
APPLE INC COM 037833100   4,470,247 26,110 SH   SOLE   0 0 26,110
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   305,462 872 SH   SOLE   0 0 872
BLACKROCK CORE BD TR SHS BEN INT 09249E101   3,358,309 337,858 SH   SOLE   0 0 337,858
BLACKROCK MUNIYIELD MICH QU COM 09254V105   152,475 15,355 SH   SOLE   0 0 15,355
BOOKING HOLDINGS INC COM 09857L108   255,968 83 SH   SOLE   0 0 83
BROADCOM INC COM 11135F101   261,633 315 SH   SOLE   0 0 315
CATERPILLAR INC COM 149123101   270,816 992 SH   SOLE   0 0 992
CHEVRON CORP NEW COM 166764100   443,700 2,631 SH   SOLE   0 0 2,631
CHICOS FAS INC COM 168615102   76,879 10,278 SH   SOLE   0 0 10,278
COCA COLA CO COM 191216100   351,330 6,276 SH   SOLE   0 0 6,276
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,904,790 63,599 SH   SOLE   0 0 63,599
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   166,479,156 6,376,069 SH   SOLE   0 0 6,376,069
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   58,048 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   13,332 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   4,038 81 SH   SOLE   0 0 81
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   316,339 12,074 SH   SOLE   0 0 12,074
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   3,329 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   30,414 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   107,176 4,507 SH   SOLE   0 0 4,507
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   58,235 2,494 SH   SOLE   0 0 2,494
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   20,094 616 SH   SOLE   0 0 616
DISNEY WALT CO COM 254687106   288,700 3,562 SH   SOLE   0 0 3,562
DOW INC COM 260557103   31,133,629 603,833 SH   SOLE   0 0 603,833
DUPONT DE NEMOURS INC COM 26614N102   400,175 5,365 SH   SOLE   0 0 5,365
ELI LILLY & CO COM 532457108   3,102,965 5,777 SH   SOLE   0 0 5,777
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   284,809 20,300 SH   SOLE   0 0 20,300
EXXON MOBIL CORP COM 30231G102   387,235 3,293 SH   SOLE   0 0 3,293
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   24,451 350 SH   SOLE   0 0 350
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   112,837 2,650 SH   SOLE   0 0 2,650
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501   291,710 6,265 SH   SOLE   0 0 6,265
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   212,030 3,500 SH   SOLE   0 0 3,500
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709   68,462 1,265 SH   SOLE   0 0 1,265
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   53,475 435 SH   SOLE   0 0 435
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   155,472 4,100 SH   SOLE   0 0 4,100
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   19,855 500 SH   SOLE   0 0 500
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881   103,847 2,350 SH   SOLE   0 0 2,350
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   284,890 84,537 SH   SOLE   0 0 84,537
GABELLI EQUITY TR INC COM 362397101   64,509 12,575 SH   SOLE   0 0 12,575
GENERAL ELECTRIC CO COM NEW 369604301   893,458 8,082 SH   SOLE   0 0 8,082
HOME DEPOT INC COM 437076102   455,053 1,506 SH   SOLE   0 0 1,506
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   137,655 1,725 SH   SOLE   0 0 1,725
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   37,356 1,100 SH   SOLE   0 0 1,100
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   284 2 SH   SOLE   0 0 2
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   96,300 2,000 SH   SOLE   0 0 2,000
INVESCO QQQ TR UNIT SER 1 46090E103   379,454 1,059 SH   SOLE   0 0 1,059
ISHARES INC MSCI WORLD ETF 464286392   1,322 11 SH   SOLE   0 0 11
ISHARES INC MSCI GBL MIN VOL 464286525   2,171,187 22,754 SH   SOLE   0 0 22,754
ISHARES INC CORE MSCI EMKT 46434G103   420,553 8,837 SH   SOLE   0 0 8,837
ISHARES TR CORE S&P TTL STK 464287150   101,725 1,080 SH   SOLE   0 0 1,080
ISHARES TR CORE S&P500 ETF 464287200   257,229 599 SH   SOLE   0 0 599
ISHARES TR CORE US AGGBD ET 464287226   17,094,779 181,782 SH   SOLE   0 0 181,782
ISHARES TR IBOXX INV CP ETF 464287242   4,591 45 SH   SOLE   0 0 45
ISHARES TR S&P 500 GRWT ETF 464287309   283,738 4,147 SH   SOLE   0 0 4,147
ISHARES TR GLOB HLTHCRE ETF 464287325   39,891 484 SH   SOLE   0 0 484
ISHARES TR GLOBAL ENERG ETF 464287341   25,870 627 SH   SOLE   0 0 627
ISHARES TR S&P 500 VAL ETF 464287408   6,000 39 SH   SOLE   0 0 39
ISHARES TR 20 YR TR BD ETF 464287432   190,861 2,152 SH   SOLE   0 0 2,152
ISHARES TR RUS MDCP VAL ETF 464287473   75,649 725 SH   SOLE   0 0 725
ISHARES TR RUS MD CP GR ETF 464287481   61,645 675 SH   SOLE   0 0 675
ISHARES TR RUS MID CAP ETF 464287499   6,773 98 SH   SOLE   0 0 98
ISHARES TR CORE S&P MCP ETF 464287507   22,691 91 SH   SOLE   0 0 91
ISHARES TR ISHARES BIOTECH 464287556   15,531 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 VAL ETF 464287598   11,842 78 SH   SOLE   0 0 78
ISHARES TR RUS 1000 GRW ETF 464287614   70,983 267 SH   SOLE   0 0 267
ISHARES TR RUS 1000 ETF 464287622   41,524 177 SH   SOLE   0 0 177
ISHARES TR RUS 2000 GRW ETF 464287648   31,275 140 SH   SOLE   0 0 140
ISHARES TR RUSSELL 2000 ETF 464287655   49,374 279 SH   SOLE   0 0 279
ISHARES TR CORE S&P US VLU 464287663   359,519 4,818 SH   SOLE   0 0 4,818
ISHARES TR CORE S&P SCP ETF 464287804   19,348 205 SH   SOLE   0 0 205
ISHARES TR US CONSM STAPLES 464287812   78,713 422 SH   SOLE   0 0 422
ISHARES TR SP SMCP600VL ETF 464287879   354,025 3,968 SH   SOLE   0 0 3,968
ISHARES TR MSCI ACWI EX US 464288240   7,684 163 SH   SOLE   0 0 163
ISHARES TR MSCI ACWI ETF 464288257   1,615,921 17,494 SH   SOLE   0 0 17,494
ISHARES TR EAFE SML CP ETF 464288273   4,743 84 SH   SOLE   0 0 84
ISHARES TR JPMORGAN USD EMG 464288281   4,951 60 SH   SOLE   0 0 60
ISHARES TR IBOXX HI YD ETF 464288513   27,350 371 SH   SOLE   0 0 371
ISHARES TR ISHS 5-10YR INVT 464288638   5,303 109 SH   SOLE   0 0 109
ISHARES TR SHORT TREAS BD 464288679   331 3 SH   SOLE   0 0 3
ISHARES TR US AER DEF ETF 464288760   26,493 250 SH   SOLE   0 0 250
ISHARES TR US BR DEL SE ETF 464288794   2,367 26 SH   SOLE   0 0 26
ISHARES TR EAFE VALUE ETF 464288877   8,025 164 SH   SOLE   0 0 164
ISHARES TR US TREAS BD ETF 46429B267   44,165,619 2,003,885 SH   SOLE   0 0 2,003,885
ISHARES TR MSCI EAFE MIN VL 46429B689   17,870 274 SH   SOLE   0 0 274
ISHARES TR MSCI USA MIN VOL 46429B697   10,567 146 SH   SOLE   0 0 146
ISHARES TR MSCI USA QLT FCT 46432F339   170,668 1,295 SH   SOLE   0 0 1,295
ISHARES TR CORE MSCI EAFE 46432F842   12,871,931 200,030 SH   SOLE   0 0 200,030
ISHARES TR INTERNATIONAL SL 46434V266   110,511 3,736 SH   SOLE   0 0 3,736
ISHARES TR US SML CAP EQT 46434V290   71,025 1,373 SH   SOLE   0 0 1,373
ISHARES TR GLOBAL EQUITY 46434V316   338,476 9,849 SH   SOLE   0 0 9,849
ISHARES TR MSCI INTL QUALTY 46434V456   139,683 4,156 SH   SOLE   0 0 4,156
ISHARES TR YLD OPTIM BD 46434V787   384,294 17,979 SH   SOLE   0 0 17,979
ISHARES TR CONV BD ETF 46435G102   2,375 32 SH   SOLE   0 0 32
ISHARES TR ESG AWR MSCI USA 46435G425   519,134 5,528 SH   SOLE   0 0 5,528
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   42,614 843 SH   SOLE   0 0 843
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   167,329 3,322 SH   SOLE   0 0 3,322
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   349,747 6,530 SH   SOLE   0 0 6,530
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   15,506,222 309,012 SH   SOLE   0 0 309,012
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   531,505 11,684 SH   SOLE   0 0 11,684
JABIL INC COM 466313103   380,670 3,000 SH   SOLE   0 0 3,000
JOHNSON & JOHNSON COM 478160104   806,104 5,176 SH   SOLE   0 0 5,176
JPMORGAN CHASE & CO COM 46625H100   1,032,615 7,121 SH   SOLE   0 0 7,121
LAKELAND FINL CORP COM 511656100   1,543,826 32,529 SH   SOLE   0 0 32,529
MCDONALDS CORP COM 580135101   585,112 2,221 SH   SOLE   0 0 2,221
META PLATFORMS INC CL A 30303M102   618,433 2,060 SH   SOLE   0 0 2,060
MICROSOFT CORP COM 594918104   2,909,363 9,214 SH   SOLE   0 0 9,214
NVIDIA CORPORATION COM 67066G104   465,875 1,071 SH   SOLE   0 0 1,071
PEPSICO INC COM 713448108   377,658 2,229 SH   SOLE   0 0 2,229
PIMCO CORPORATE & INCOME OPP COM 72201B101   4,007,144 306,591 SH   SOLE   0 0 306,591
PIMCO ETF TR PREFERRED AND CP 72201R619   5,438 119 SH   SOLE   0 0 119
PIMCO ETF TR INV GRD CRP BD 72201R817   151,259 1,660 SH   SOLE   0 0 1,660
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   554,275 5,535 SH   SOLE   0 0 5,535
PROCTER AND GAMBLE CO COM 742718109   238,919 1,638 SH   SOLE   0 0 1,638
PROSHARES TR PET CARE ETF 74348A145   135 3 SH   SOLE   0 0 3
PROSHARES TR S&P 500 DV ARIST 74348A467   650,665 7,348 SH   SOLE   0 0 7,348
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   27,071,042 543,050 SH   SOLE   0 0 543,050
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   250,470 4,950 SH   SOLE   0 0 4,950
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,803,191 24,796 SH   SOLE   0 0 24,796
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,167,813 17,255 SH   SOLE   0 0 17,255
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   277,111 6,690 SH   SOLE   0 0 6,690
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   3,959 125 SH   SOLE   0 0 125
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   8,653,208 122,290 SH   SOLE   0 0 122,290
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,515,959 31,622 SH   SOLE   0 0 31,622
SCHWAB STRATEGIC TR US TIPS ETF 808524870   5,554 110 SH   SOLE   0 0 110
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   8,719 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   218,601 1,698 SH   SOLE   0 0 1,698
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   259,822 1,614 SH   SOLE   0 0 1,614
SELECT SECTOR SPDR TR ENERGY 81369Y506   774,662 8,570 SH   SOLE   0 0 8,570
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   39,240 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR INDL 81369Y704   144,568 1,426 SH   SOLE   0 0 1,426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   59,538 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107   377,019 2,199 SH   SOLE   0 0 2,199
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   2,337,479 23,069 SH   SOLE   0 0 23,069
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,094 261 SH   SOLE   0 0 261
SPDR S&P 500 ETF TR TR UNIT 78462F103   883,233 2,066 SH   SOLE   0 0 2,066
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   273,984 600 SH   SOLE   0 0 600
SPDR SER TR S&P OILGAS EXP 78468R556   125,057 845 SH   SOLE   0 0 845
SPDR SER TR S&P KENSHO FINAL 78468R630   39,393 1,000 SH   SOLE   0 0 1,000
SPDR SER TR S&P KENSHO NEW 78468R648   2,812 71 SH   SOLE   0 0 71
SPDR SER TR NUVEEN BLMBRG MU 78468R721   66,861 1,530 SH   SOLE   0 0 1,530
SPDR SER TR PORTFOLIO S&P600 78468R853   9,114 247 SH   SOLE   0 0 247
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   356,082 9,213 SH   SOLE   0 0 9,213
STEEL DYNAMICS INC COM 858119100   204,014 1,903 SH   SOLE   0 0 1,903
TARGA RES CORP COM 87612G101   514,320 6,000 SH   SOLE   0 0 6,000
TESLA INC COM 88160R101   566,498 2,264 SH   SOLE   0 0 2,264
THERMO FISHER SCIENTIFIC INC COM 883556102   316,356 625 SH   SOLE   0 0 625
UNITEDHEALTH GROUP INC COM 91324P102   224,365 445 SH   SOLE   0 0 445
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   53,088 700 SH   SOLE   0 0 700
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   180,500 1,245 SH   SOLE   0 0 1,245
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   44,607 300 SH   SOLE   0 0 300
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   13,462,176 174,720 SH   SOLE   0 0 174,720
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   94,310 1,000 SH   SOLE   0 0 1,000
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,811 64 SH   SOLE   0 0 64
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   198,315 2,842 SH   SOLE   0 0 2,842
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   830,185 2,114 SH   SOLE   0 0 2,114
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   60,465,000 461,706 SH   SOLE   0 0 461,706
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   107,124 550 SH   SOLE   0 0 550
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   10,895 144 SH   SOLE   0 0 144
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,285 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS SM CP VAL ETF 922908611   81,021 508 SH   SOLE   0 0 508
VANGUARD INDEX FDS MID CAP ETF 922908629   259,675 1,247 SH   SOLE   0 0 1,247
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   3,440 24 SH   SOLE   0 0 24
VANGUARD INDEX FDS GROWTH ETF 922908736   22,329 82 SH   SOLE   0 0 82
VANGUARD INDEX FDS VALUE ETF 922908744   14,345 104 SH   SOLE   0 0 104
VANGUARD INDEX FDS SMALL CP ETF 922908751   34,000 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS TOTAL STK MKT 922908769   31,806,061 149,739 SH   SOLE   0 0 149,739
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   4,144,926 44,483 SH   SOLE   0 0 44,483
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   25,888 660 SH   SOLE   0 0 660
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   511,822 3,294 SH   SOLE   0 0 3,294
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,550,956 28,979 SH   SOLE   0 0 28,979
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   656,350 15,013 SH   SOLE   0 0 15,013
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   19,546 107 SH   SOLE   0 0 107
VANGUARD WORLD FDS ENERGY ETF 92204A306   3,675 29 SH   SOLE   0 0 29
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   56,465 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   12,223 52 SH   SOLE   0 0 52
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   201,804 1,035 SH   SOLE   0 0 1,035
VANGUARD WORLD FDS INF TECH ETF 92204A702   909,046 2,191 SH   SOLE   0 0 2,191
WALMART INC COM 931142103   428,739 2,681 SH   SOLE   0 0 2,681
WISDOMTREE TR US HIGH DIVIDEND 97717W208   135,930 1,741 SH   SOLE   0 0 1,741
WISDOMTREE TR US SMALLCAP DIVD 97717W604   77,522 2,749 SH   SOLE   0 0 2,749
WISDOMTREE TR INTL LRGCAP DV 97717W794   90,464 1,983 SH   SOLE   0 0 1,983
WISDOMTREE TR ARTIFICIAL INTEL 97717Y543   48,393 2,778 SH   SOLE   0 0 2,778
WISDOMTREE TR INTERNATIONL EFI 97717Y634   65,724,240 2,057,702 SH   SOLE   0 0 2,057,702