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
APPLE INC Equity 037833100 13,239 75,823 SH   OTR None 75,823 0 0
MICROSOFT CORP Equity 594918104 10,251 33,251 SH   OTR None 33,251 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 10,033 198,611 SH   OTR None 198,612 0 0
ALPHABET INC. CLASS C Equity 02079K107 8,813 3,155 SH   OTR None 3,155 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 7,706 78,835 SH   OTR None 78,836 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 6,591 84,404 SH   OTR None 84,405 0 0
VANGUARD VALUE ETF Equity 922908744 5,698 38,561 SH   OTR None 38,561 0 0
SPDR S&P 500 ETF Equity 78462F103 5,666 12,547 SH   OTR None 12,547 0 0
JPMORGAN CHASE & CO Equity 46625H100 5,401 39,621 SH   OTR None 39,621 0 0
JOHNSON & JOHNSON Equity 478160104 5,302 29,920 SH   OTR None 29,920 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 5,162 140,578 SH   OTR None 140,579 0 0
CVS HEALTH CORP Equity 126650100 5,023 49,632 SH   OTR None 49,632 0 0
CISCO SYSTEMS INC Equity 17275R102 4,440 79,636 SH   OTR None 79,636 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 4,276 154,004 SH   OTR None 154,004 0 0
CHARLES SCHWAB CORP Equity 808513105 4,038 47,899 SH   OTR None 47,899 0 0
PROCTER & GAMBLE Equity 742718109 3,972 26,000 SH   OTR None 26,000 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 3,956 33,072 SH   OTR None 33,072 0 0
PFIZER INCORPORATED Equity 717081103 3,847 74,322 SH   OTR None 74,322 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 3,705 78,247 SH   OTR None 78,248 0 0
CATERPILLAR INC Equity 149123101 3,577 16,056 SH   OTR None 16,056 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 3,498 72,835 SH   OTR None 72,835 0 0
AMGEN INCORPORATED Equity 031162100 3,488 14,424 SH   OTR None 14,424 0 0
INTEL CORP Equity 458140100 3,406 68,736 SH   OTR None 68,736 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 3,077 57,156 SH   OTR None 57,156 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,912 1,047 SH   OTR None 1,047 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,905 54,421 SH   OTR None 54,421 0 0
HOME DEPOT INC Equity 437076102 2,902 9,695 SH   OTR None 9,695 0 0
MC DONALDS CORP Equity 580135101 2,901 11,734 SH   OTR None 11,734 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,698 58,499 SH   OTR None 58,500 0 0
NIKE INC CLASS B Equity 654106103 2,691 20,005 SH   OTR None 20,005 0 0
CLIFFS NATURAL RES Equity 18383K101 2,662 82,650 SH   OTR None 82,650 0 0
ORACLE CORPORATION Equity 68389X105 2,658 32,133 SH   OTR None 32,133 0 0
QUALCOMM INC Equity 747525103 2,651 17,352 SH   OTR None 17,352 0 0
CITIGROUP INC Equity 172967424 2,566 48,065 SH   OTR None 48,065 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 2,480 21,445 SH   OTR None 21,445 0 0
EMERSON ELECTRIC CO Equity 291011104 2,452 25,010 SH   OTR None 25,010 0 0
KRAFT HEINZ CO Equity 500754106 2,306 58,546 SH   OTR None 58,546 0 0
EXXON MOBIL CORP Equity 30231G102 2,273 27,533 SH   OTR None 27,533 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,240 61,513 SH   OTR None 61,513 0 0
BAIDU COM INC ADR Equity 056752108 2,231 16,870 SH   OTR None 16,870 0 0
BOEING CO Equity 097023105 2,226 11,624 SH   OTR None 11,624 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 2,113 4,310 SH   OTR None 4,310 0 0
DIAGEO PLC ADR Equity G42089113 2,079 10,235 SH   OTR None 10,235 0 0
TERADYNE INCORPORATED Equity 880770102 2,060 17,425 SH   OTR None 17,425 0 0
FEDEX CORPORATION Equity 31428X106 2,008 8,680 SH   OTR None 8,680 0 0
COCA COLA COMPANY Equity 191216100 2,006 32,363 SH   OTR None 32,363 0 0
MERCK & CO INC Equity 58933Y105 1,992 24,282 SH   OTR None 24,282 0 0
FORD MOTOR COMPANY Equity 345370860 1,992 117,800 SH   OTR None 117,800 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,970 4,465 SH   OTR None 4,465 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,846 3,621 SH   OTR None 3,621 0 0
BLACKROCK INC Equity 09247X101 1,810 2,369 SH   OTR None 2,369 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,800 5,455 SH   OTR None 5,455 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,767 16,386 SH   OTR None 16,386 0 0
A T & T INC Equity 00206R102 1,727 73,122 SH   OTR None 73,122 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,720 50,130 SH   OTR None 50,130 0 0
BECTON DICKINSON&CO Equity 075887109 1,717 6,455 SH   OTR None 6,455 0 0
ONEOAK INC Equity 682680103 1,704 24,135 SH   OTR None 24,135 0 0
VISA INC CLASS A Equity 92826C839 1,695 7,647 SH   OTR None 7,647 0 0
GILEAD SCIENCES INC Equity 375558103 1,682 28,295 SH   OTR None 28,295 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 1,682 15,460 SH   OTR None 15,460 0 0
HANESBRAND INC Equity 410345102 1,673 112,375 SH   OTR None 112,375 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 1,664 9,463 SH   OTR None 9,463 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,615 22,630 SH   OTR None 22,630 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,610 20,375 SH   OTR None 20,375 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,569 59,825 SH   OTR None 59,825 0 0
ABBVIE INC Equity 00287Y109 1,569 9,681 SH   OTR None 9,681 0 0
VERIZON COMMUNICATN Equity 92343V104 1,521 29,876 SH   OTR None 29,876 0 0
BATH & BODY WORKS, INC. Equity 070830104 1,485 31,087 SH   OTR None 31,087 0 0
REALTY INCM CORP REIT Equity 756109104 1,483 21,405 SH   OTR None 21,405 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,472 6,467 SH   OTR None 6,468 0 0
LOWES COMPANIES INC Equity 548661107 1,424 7,047 SH   OTR None 7,047 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,424 27,539 SH   OTR None 27,539 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,424 6,702 SH   OTR None 6,702 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,347 2,970 SH   OTR None 2,970 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 1,277 233,950 SH   OTR None 233,950 0 0
NUTRIEN Equity 67077M108 1,272 12,234 SH   OTR None 12,234 0 0
ISHARES S&P 100 ETF Equity 464287101 1,257 6,032 SH   OTR None 6,033 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 1,256 12,500 SH   OTR None 12,500 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 1,247 3,535 SH   OTR None 3,535 0 0
FREEPORT MCMORAN Equity 35671D857 1,204 24,217 SH   OTR None 24,217 0 0
AMAZON Equity 023135106 1,202 369 SH   OTR None 369 0 0
WAL-MART STORES INC Equity 931142103 1,180 7,930 SH   OTR None 7,930 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 1,135 7,000 SH   OTR None 7,000 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,123 25,565 SH   OTR None 25,565 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 1,093 28,540 SH   OTR None 28,540 0 0
STRYKER CORP Equity 863667101 1,048 3,920 SH   OTR None 3,920 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 991 73,964 SH   OTR None 73,964 0 0
HONEYWELL INTL INC Equity 438516106 983 5,057 SH   OTR None 5,057 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 982 13,458 SH   OTR None 13,458 0 0
EXELON CORPORATION Equity 30161N101 975 20,490 SH   OTR None 20,490 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 867 11,432 SH   OTR None 11,433 0 0
WALT DISNEY CO Equity 254687106 858 6,260 SH   OTR None 6,260 0 0
ISHARES MSCI EAFE ETF Equity 464287465 815 11,075 SH   OTR None 11,075 0 0
EBAY INC Equity 278642103 795 13,895 SH   OTR None 13,895 0 0
VANGUARD MID CAP ETF Equity 922908629 780 3,280 SH   OTR None 3,280 0 0
CONOCOPHILLIPS Equity 20825C104 773 7,734 SH   OTR None 7,734 0 0
BANK OF AMERICA CORP Equity 060505104 735 17,848 SH   OTR None 17,848 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 709 53,972 SH   OTR None 53,972 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 679 5,300 SH   OTR None 5,300 0 0
FACEBOOK Equity 30303M102 678 3,053 SH   OTR None 3,053 0 0
PHILIP MORRIS INTL Equity 718172109 636 6,773 SH   OTR None 6,773 0 0
CHEVRON CORPORATION Equity 166764100 626 3,846 SH   OTR None 3,846 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109 620 1,790 SH   OTR None 1,790 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 618 8,000 SH   OTR None 8,000 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 584 2,180 SH   OTR None 2,180 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 565 5,513 SH   OTR None 5,513 0 0
PEPSICO INCORPORATED Equity 713448108 559 3,340 SH   OTR None 3,340 0 0
ADOBE Equity 00724F101 559 1,227 SH   OTR None 1,227 0 0
NVIDIA Equity 67066G104 551 2,020 SH   OTR None 285 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 549 31,344 SH   OTR None 31,344 0 0
VALE SA ADR Equity 91912E105 544 27,250 SH   OTR None 27,250 0 0
ELI LILLY & COMPANY Equity 532457108 544 1,900 SH   OTR None 1,900 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 543 7,300 SH   OTR None 7,300 0 0
NOVARTIS AG FADR Equity 66987V109 540 6,160 SH   OTR None 6,160 0 0
VICTORIA SECRET & CO Equity 926400102 533 10,381 SH   OTR None 10,381 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 500 6,085 SH   OTR None 6,085 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 468 3,875 SH   OTR None 3,876 0 0
COSTCO WHOLESALE Equity 22160K105 434 755 SH   OTR None 755 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 431 3,450 SH   OTR None 3,450 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 399 13,600 SH   OTR None 13,600 0 0
CONSTELLATION ENERGY CORP Equity 210371100 383 6,816 SH   OTR None 6,816 0 0
ALTRIA GROUP INC Equity 02209S103 346 6,636 SH   OTR None 6,636 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 336 7,515 SH   OTR None 7,515 0 0
GENERAL MOTORS CO Equity 37045V100 324 7,428 SH   OTR None 7,428 0 0
MEDTRONIC PLC F Equity G5960L103 324 2,927 SH   OTR None 2,927 0 0
ISHARES TIPS BOND ETF Equity 464287176 324 2,603 SH   OTR None 2,603 0 0
HUNTINGTON BANCSHS Equity 446150104 324 22,177 SH   OTR None 22,177 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 323 1,120 SH   OTR None 1,121 0 0
ISHARES MBS ETF Equity 464288588 313 3,074 SH   OTR None 3,074 0 0
KINDER MORGAN INC Equity 49456B101 298 15,787 SH   OTR None 15,787 0 0
ISHARES US ENERGY ETF Equity 464287796 290 7,100 SH   OTR None 7,100 0 0
PRINCIPAL FINL Equity 74251V102 288 3,925 SH   OTR None 3,925 0 0
TENCENT HOLDINGS Equity 88032XAD6 287 6,200 SH   OTR None 6,200 0 0
MONDELEZ INTL CLASS A Equity 609207105 284 4,528 SH   OTR None 4,528 0 0
ZOETIS INC Equity 98978V103 283 1,505 SH   OTR None 1,505 0 0
BAUSCH HEALTH COS INC Equity 91911K102 283 12,386 SH   OTR None 12,386 0 0
PEMBINA PIPELINE CO F Equity 706327103 282 7,507 SH   OTR None 7,507 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 281 1,600 SH   OTR None 1,600 0 0
BEST BUY INC Equity 086516101 272 3,000 SH   OTR None 3,000 0 0
MARVELL TECH GROUP Equity G5876H106 272 3,000 SH   OTR None 3,000 0 0
EDWARD LIFESCIENCES Equity 28176E108 268 2,280 SH   OTR None 2,280 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 263 8,295 SH   OTR None 8,295 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 258 9,375 SH   OTR None 9,375 0 0
AMERIPRISE FINANCIAL Equity 03076C106 255 850 SH   OTR None 850 0 0
LABCORP OF AMERICA Equity 50540R409 243 925 SH   OTR None 925 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 241 6,300 SH   OTR None 6,300 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 238 2,410 SH   OTR None 2,410 0 0
ILLINOIS TOOL WORKS Equity 452308109 238 1,138 SH   OTR None 1,138 0 0
ECOLAB Equity 278865100 237 1,347 SH   OTR None 1,347 0 0
APPLIED MATERIALS Equity 038222105 236 1,795 SH   OTR None 1,795 0 0
PHILLIPS 66 Equity 718546104 234 2,710 SH   OTR None 2,710 0 0
VANGUARD S&P 500 ETF Equity 922908363 230 555 SH   OTR None 555 0 0
INTERCONTINENTAL INC Equity 45866F104 223 1,690 SH   OTR None 1,690 0 0
CHURCH & DWIGHT Equity 171340102 216 2,175 SH   OTR None 2,175 0 0
MARSH & MCLENNAN CO Equity 571748102 199 1,168 SH   OTR None 1,168 0 0
BT GROUP PLC Equity G16612106 198 82,000 SH   OTR None 82,000 0 0
DELL TECHNOLOGIES Equity 24703L202 193 3,850 SH   OTR None 3,850 0 0
VMWARE INC Equity 928563402 192 1,694 SH   OTR None 1,694 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 192 1,903 SH   OTR None 1,903 0 0
TEXAS INSTRUMENTS Equity 882508104 188 1,028 SH   OTR None 1,028 0 0
HERSHEYS CO Equity 427866108 186 860 SH   OTR None 860 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 185 14,000 SH   OTR None 14,000 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 184 510 SH   OTR None 510 0 0
CSX CORP Equity 126408103 176 4,721 SH   OTR None 4,722 0 0
AMERICAN EXPRESS Equity 025816109 171 915 SH   OTR None 915 0 0
MARATHON PETROLEUM Equity 56585A102 171 2,000 SH   OTR None 2,000 0 0
BROADCOM INC Equity Y09827109 170 271 SH   OTR None 271 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 167 1,075 SH   OTR None 1,075 0 0
ISHARES S&P 600 ETF Equity 464287879 163 1,600 SH   OTR None 241,800 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 162 12,700 SH   OTR None 12,700 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Equity 739371813 157 1,000 SH   OTR None 1,000 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 157 4,145 SH   OTR None 4,145 0 0
ROPER TECHNOLOGIES Equity 776696106 157 333 SH   OTR None 333 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 147 11,550 SH   OTR None 11,550 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 145 4,250 SH   OTR None 4,250 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 143 700 SH   OTR None 700 0 0
ABBOTT LABORATORIES Equity 002824100 142 1,204 SH   OTR None 1,204 0 0
ACCENTURE Equity G1151C101 134 400 SH   OTR None 400 0 0
VANGUARD SHORT TERM BOND ETF Equity 921937827 132 1,697 SH   OTR None 1,697 0 0
AUTO DATA PROCESSING Equity 053015103 131 579 SH   OTR None 579 0 0
TELSA Equity 88160R101 129 120 SH   OTR None 120 0 0
TORO CORP Equity 891092108 127 1,490 SH   OTR None 1,490 0 0
ISHARES US FINANCIAL ETF Equity 464287770 119 662 SH   OTR None 662 0 0
WEC ENERGY GROUP Equity 976657106 114 1,151 SH   OTR None 1,151 0 0
BLACKROCK MUNIHOLDINGS Equity 09253N104 113 7,961 SH   OTR None 7,961 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 112 2,200 SH   OTR None 2,200 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 112 625 SH   OTR None 625 0 0
ISHARES NASDAQ BIOTECHNOLOGY Equity 464287556 108 830 SH   OTR None 830 0 0
ISHARES CORE MSCI EAFE ETF Equity 46432F842 107 1,550 SH   OTR None 1,550 0 0
ISHARES REGIONAL BANK ETF Equity 464288728 107 1,820 SH   OTR None 1,820 0 0
ISHARES GLOBAL 100 ETF Equity 464287572 106 1,400 SH   OTR None 1,400 0 0
NEXTERA ENERGY INC Equity 65339F101 101 1,200 SH   OTR None 1,200 0 0