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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC Equity 037833100 11,062 80,913 SH   OTR None 80,913 0 0
ISHARES FLOATING RATE BOND ETF Equity 46429B655 10,109 202,518 SH   OTR None 202,518 0 0
MICROSOFT CORP Equity 594918104 8,792 34,236 SH   OTR None 34,236 0 0
ALPHABET INC. CLASS C Equity 02079K107 7,468 3,414 SH   OTR None 3,414 0 0
VANGUARD SHORT TERM CORP BOND ETF Equity 92206C409 7,107 93,205 SH   OTR None 93,206 0 0
ISHARES JPMORGAN USD MTSBOND ETF Equity 464288281 6,828 80,037 SH   OTR None 80,037 0 0
JOHNSON & JOHNSON Equity 478160104 5,639 31,770 SH   OTR None 31,770 0 0
VANGUARD VALUE ETF Equity 922908744 5,330 40,416 SH   OTR None 40,416 0 0
SPDR S&P 500 ETF Equity 78462F103 5,304 14,060 SH   OTR None 14,061 0 0
JPMORGAN CHASE & CO Equity 46625H100 4,687 41,622 SH   OTR None 41,622 0 0
CVS HEALTH CORP Equity 126650100 4,659 50,287 SH   OTR None 50,287 0 0
SCHWAB INTERNATIONAL EQUITY ETF Equity 808524805 4,423 140,645 SH   OTR None 140,645 0 0
SCHWAB EMERGING MARKETS EQUITY ETF Equity 808524706 3,944 155,417 SH   OTR None 155,417 0 0
PROCTER & GAMBLE Equity 742718109 3,910 27,197 SH   OTR None 27,197 0 0
PFIZER INCORPORATED Equity 717081103 3,844 73,322 SH   OTR None 73,322 0 0
AMGEN INCORPORATED Equity 031162100 3,727 15,319 SH   OTR None 15,319 0 0
CISCO SYSTEMS INC Equity 17275R102 3,648 85,561 SH   OTR None 85,561 0 0
CHARLES SCHWAB CORP Equity 808513105 3,302 52,265 SH   OTR None 52,265 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Equity 921943858 3,124 76,587 SH   OTR None 76,587 0 0
SCHWAB US SMALL CAP ETF Equity 808524607 3,058 78,432 SH   OTR None 78,432 0 0
RUSSELL MID CAP VALUE ETF Equity 464287473 3,047 30,000 SH   OTR None 30,000 0 0
CATERPILLAR INC Equity 149123101 3,046 17,041 SH   OTR None 17,041 0 0
MC DONALDS CORP Equity 580135101 2,922 11,837 SH   OTR None 11,837 0 0
HOME DEPOT INC Equity 437076102 2,907 10,600 SH   OTR None 10,600 0 0
CITIGROUP INC Equity 172967424 2,835 61,663 SH   OTR None 61,663 0 0
BAIDU COM INC ADR Equity 056752108 2,698 18,145 SH   OTR None 18,145 0 0
INTEL CORP Equity 458140100 2,640 70,586 SH   OTR None 70,586 0 0
SCHWAB US LARGE CAP ETF Equity 808524201 2,536 56,796 SH   OTR None 56,797 0 0
ALPHABET INC. CLASS A Equity 02079K305 2,495 1,145 SH   OTR None 1,145 0 0
VANGUARD FTSE EMERGING MARKETS ETF Equity 922042858 2,468 59,279 SH   OTR None 59,279 0 0
SCHWAB US BROAD MARKET ETF Equity 808524102 2,433 55,080 SH   OTR None 55,080 0 0
EXXON MOBIL CORP Equity 30231G102 2,402 28,058 SH   OTR None 28,058 0 0
QUALCOMM INC Equity 747525103 2,361 18,487 SH   OTR None 18,487 0 0
FEDEX CORPORATION Equity 31428X106 2,284 10,077 SH   OTR None 10,077 0 0
KRAFT HEINZ CO Equity 500754106 2,271 59,546 SH   OTR None 59,546 0 0
MERCK & CO INC Equity 58933Y105 2,218 24,332 SH   OTR None 24,332 0 0
ISHARES U.S. PREFERRED STOCK ETF Equity 464288687 2,083 63,378 SH   OTR None 63,379 0 0
ORACLE CORPORATION Equity 68389X105 2,066 29,583 SH   OTR None 29,583 0 0
NIKE INC CLASS B Equity 654106103 2,044 20,005 SH   OTR None 20,005 0 0
ALIBABA GROUP HLDG FADR Equity 01609W102 2,005 17,639 SH   OTR None 17,639 0 0
GILEAD SCIENCES INC Equity 375558103 2,003 32,410 SH   OTR None 32,410 0 0
COCA COLA COMPANY Equity 191216100 1,998 31,763 SH   OTR None 31,763 0 0
EMERSON ELECTRIC CO Equity 291011104 1,989 25,010 SH   OTR None 25,010 0 0
LOCKHEED MARTIN CORP Equity 539830109 1,919 4,465 SH   OTR None 4,465 0 0
UNITED HEALTHCARE GROUP Equity 91324P102 1,859 3,621 SH   OTR None 3,621 0 0
VANGUARD SMALL CAP VALUE ETF Equity 922908611 1,810 12,086 SH   OTR None 12,087 0 0
TERADYNE INCORPORATED Equity 880770102 1,791 20,000 SH   OTR None 20,000 0 0
SPDR S&P MIDCAP 400 ETF Equity 78467Y107 1,782 4,310 SH   OTR None 4,311 0 0
PAYPAL HOLDINGS INCO Equity 70450Y103 1,704 24,410 SH   OTR None 24,410 0 0
DIAGEO PLC ADR Equity G42089113 1,675 9,625 SH   OTR None 9,625 0 0
ISHARES CORE S&P SMALL CAP ETF Equity 464287804 1,662 17,987 SH   OTR None 17,988 0 0
BECTON DICKINSON&CO Equity 075887109 1,625 6,595 SH   OTR None 6,595 0 0
BOEING CO Equity 097023105 1,576 11,534 SH   OTR None 11,534 0 0
VERIZON COMMUNICATN Equity 92343V104 1,568 30,901 SH   OTR None 30,901 0 0
ISHARES S&P 100 ETF Equity 464287101 1,545 8,961 SH   OTR None 8,962 0 0
BLACKROCK INC Equity 09247X101 1,541 2,531 SH   OTR None 2,531 0 0
GOLDMAN SACHS GROUP Equity 38141G104 1,486 5,005 SH   OTR None 5,005 0 0
ABBVIE INC Equity 00287Y109 1,482 9,681 SH   OTR None 9,681 0 0
VISA INC CLASS A Equity 92826C839 1,476 7,497 SH   OTR None 7,497 0 0
REALTY INCM CORP REIT Equity 756109104 1,461 21,405 SH   OTR None 21,405 0 0
FORD MOTOR COMPANY Equity 345370860 1,450 130,300 SH   OTR None 130,300 0 0
SPDR BLMBRG BRCLY SHORT TERM HGH ETF Equity 78468R408 1,442 59,825 SH   OTR None 59,825 0 0
CLIFFS NATURAL RES Equity 18383K101 1,424 92,650 SH   OTR None 92,650 0 0
ONEOAK INC Equity 682680103 1,421 25,610 SH   OTR None 25,610 0 0
SCHWAB LARGE CAP VALUE ETF Equity 808524409 1,412 22,630 SH   OTR None 22,631 0 0
A T & T INC Equity 00206R102 1,401 66,872 SH   OTR None 66,872 0 0
VANGUARD INTL DIVIDEND APRECTN ETF Equity 921946810 1,397 20,375 SH   OTR None 20,375 0 0
ISHARES 1-3 YEAR CREDIT BOND ETF Equity 464288646 1,382 27,343 SH   OTR None 27,343 0 0
HEALTHPEAK PPTYS INC. Equity 42250P103 1,311 50,635 SH   OTR None 50,635 0 0
VANGUARD TOTAL STOCK MARKET ETF Equity 922908769 1,271 6,743 SH   OTR None 6,744 0 0
HANESBRAND INC Equity 410345102 1,236 120,125 SH   OTR None 120,125 0 0
LOWES COMPANIES INC Equity 548661107 1,230 7,046 SH   OTR None 7,047 0 0
VANGUARD SMALL CAP ETF Equity 922908751 1,189 6,752 SH   OTR None 6,752 0 0
ISHARES CORE S&P 500 ETF Equity 464287200 1,126 2,970 SH   OTR None 2,970 0 0
NOKIA CORP SPON FUNSPONSORED ADR Equity 654902204 1,110 240,950 SH   OTR None 240,950 0 0
ISHARES HIGH YIELD CORPORATE BOND ETF Equity 46434V407 1,036 25,565 SH   OTR None 25,565 0 0
VANGUARD DIVIDEND APPRECIATION ETF Equity 921908844 1,004 7,000 SH   OTR None 7,000 0 0
BATH & BODY WORKS, INC. Equity 070830104 991 36,845 SH   OTR None 36,845 0 0
RUSSELL MID CAP GROWTH ETF Equity 464287481 990 12,500 SH   OTR None 12,500 0 0
ALPS ALERIAN MLP ETF Equity 00162Q866 983 28,540 SH   OTR None 28,540 0 0
BRISTOL MYLERS SQUIBB Equity 110122108 982 12,763 SH   OTR None 12,763 0 0
NUTRIEN Equity 67077M108 965 12,117 SH   OTR None 12,117 0 0
BERKSHIRE HATHAWAY CLASS B Equity 084670702 917 3,360 SH   OTR None 3,360 0 0
EATON VANCE SENIOR FLOAT Equity 27828Q105 897 73,172 SH   OTR None 73,172 0 0
FREEPORT MCMORAN Equity 35671D857 896 30,644 SH   OTR None 30,644 0 0
HONEYWELL INTL INC Equity 438516106 878 5,057 SH   OTR None 5,057 0 0
AMAZON Equity 023135106 828 7,800 SH   OTR None 7,800 0 0
EXELON CORPORATION Equity 30161N101 810 17,890 SH   OTR None 17,890 0 0
STRYKER CORP Equity 863667101 779 3,920 SH   OTR None 3,920 0 0
WAL-MART STORES INC Equity 931142103 772 6,355 SH   OTR None 6,355 0 0
ISHARES MSCI EAFE ETF Equity 464287465 735 11,775 SH   OTR None 11,775 0 0
CHARLES SCHWAB US MID CAP ETF Equity 808524508 717 11,435 SH   OTR None 11,435 0 0
CONOCOPHILLIPS Equity 20825C104 694 7,734 SH   OTR None 7,734 0 0
NUVEEN AMT FREE QUALITY INCOME FUND Equity 670657105 693 59,026 SH   OTR None 59,026 0 0
PHILIP MORRIS INTL Equity 718172109 668 6,773 SH   OTR None 6,773 0 0
NVIDIA Equity 67066G104 654 4,320 SH   OTR None 285 0 0
VANGUARD MID CAP ETF Equity 922908629 646 3,280 SH   OTR None 3,280 0 0
EBAY INC Equity 278642103 626 15,045 SH   OTR None 15,045 0 0
ISHARES SELECT DIVIDEND ETF Equity 464287168 623 5,300 SH   OTR None 5,300 0 0
WALT DISNEY CO Equity 254687106 598 6,341 SH   OTR None 6,341 0 0
PHYSICIANS REALTY TRUST Equity 71943U104 590 33,844 SH   OTR None 33,844 0 0
ELI LILLY & COMPANY Equity 532457108 583 1,800 SH   OTR None 1,800 0 0
CHEVRON CORPORATION Equity 166764100 556 3,846 SH   OTR None 3,846 0 0
PEPSICO INCORPORATED Equity 713448108 556 3,340 SH   OTR None 3,340 0 0
BANK OF AMERICA CORP Equity 060505104 555 17,848 SH   OTR None 17,848 0 0
SPDRS DOW JONES INDUSTRIAL AVERAGE Equity 78467X109 551 1,790 SH   OTR None 1,790 0 0
NOVARTIS AG FADR Equity 66987V109 520 6,160 SH   OTR None 6,160 0 0
SELECT SECTOR UTI SELECTSPDR ETF Equity 81369Y886 511 7,300 SH   OTR None 7,300 0 0
ISHARES CORE S&P MID CAP GROWTH ETF Equity 464287606 509 8,000 SH   OTR None 8,000 0 0
ISHARES CORE S&P MID CAP ETF Equity 464287507 493 2,180 SH   OTR None 2,180 0 0
FACEBOOK Equity 30303M102 492 3,053 SH   OTR None 3,053 0 0
ISHARES IBOXX HIGH YIELDBOND ETF Equity 464288513 458 6,235 SH   OTR None 6,235 0 0
VALE SA ADR Equity 91912E105 458 31,350 SH   OTR None 31,350 0 0
SPDR BLMBRG BRCLY HIGH YIELD BND ETF Equity 78464A417 455 5,018 SH   OTR None 5,019 0 0
ADOBE Equity 00724F101 449 1,227 SH   OTR None 1,227 0 0
ISHARES IBOXX INVT GRADEBOND ETF Equity 464287242 426 3,877 SH   OTR None 3,877 0 0
RAYTHEON TECHNOLOGIES Equity 09253P109 414 4,316 SH   OTR None 4,316 0 0
BP PLC FUNSPONSORED ADR Equity 055622104 385 13,600 SH   OTR None 13,600 0 0
ISHARES S&P SMALL CAP 600 GROWTH ETF Equity 464287887 363 3,450 SH   OTR None 3,450 0 0
COSTCO WHOLESALE Equity 22160K105 361 755 SH   OTR None 755 0 0
VICTORIA SECRET & CO Equity 926400102 336 12,048 SH   OTR None 12,048 0 0
ISHARES US HEALTHCARE ETF Equity 464287762 301 1,120 SH   OTR None 1,121 0 0
ISHARES TIPS BOND ETF Equity 464287176 296 2,606 SH   OTR None 2,606 0 0
WALGREENS BOOTS ALLIANCE Equity 931427108 284 7,515 SH   OTR None 7,515 0 0
TENCENT HOLDINGS Equity 88032XAD6 281 6,200 SH   OTR None 6,200 0 0
MONDELEZ INTL CLASS A Equity 609207105 281 4,528 SH   OTR None 4,528 0 0
HUNTINGTON BANCSHS Equity 446150104 277 23,081 SH   OTR None 23,081 0 0
ALTRIA GROUP INC Equity 02209S103 277 6,636 SH   OTR None 6,636 0 0
CONSTELLATION ENERGY CORP Equity 210371100 272 4,755 SH   OTR None 4,755 0 0
ISHARES US ENERGY ETF Equity 464287796 270 7,100 SH   OTR None 7,100 0 0
PEMBINA PIPELINE CO F Equity 706327103 265 7,507 SH   OTR None 7,507 0 0
KINDER MORGAN INC Equity 49456B101 264 15,787 SH   OTR None 15,787 0 0
MEDTRONIC PLC F Equity G5960L103 262 2,927 SH   OTR None 2,927 0 0
PRINCIPAL FINL Equity 74251V102 262 3,925 SH   OTR None 3,925 0 0
TARGET CORP Equity 87612E106 259 1,840 SH   OTR None 1,841 0 0
ZOETIS INC Equity 98978V103 258 1,505 SH   OTR None 1,505 0 0
ZOOM VIDEO COMMUNICATIONS Equity 98980L101 251 2,325 SH   OTR None 2,325 0 0
LAM RESEARCH Equity 512807108 249 585 SH   OTR None 585 0 0
DELTA AIRLINES Equity 247361702 246 8,495 SH   OTR None 8,495 0 0
GENERAL MOTORS CO Equity 37045V100 245 7,728 SH   OTR None 7,728 0 0
ISHARES INTERNATIONAL SEL DIV ETF Equity 464288448 226 8,322 SH   OTR None 8,322 0 0
SPDR MSCI ACWI EX-US ETF Equity 78463X848 222 9,375 SH   OTR None 9,375 0 0
PHILLIPS 66 Equity 718546104 222 2,710 SH   OTR None 2,710 0 0
MARRIOTT INTL INC CLASS A Equity 571903202 217 1,600 SH   OTR None 1,600 0 0
EDWARD LIFESCIENCES Equity 28176E108 216 2,280 SH   OTR None 2,280 0 0
LABCORP OF AMERICA Equity 50540R409 216 925 SH   OTR None 925 0 0
ILLINOIS TOOL WORKS Equity 452308109 207 1,138 SH   OTR None 1,138 0 0
ECOLAB Equity 278865100 204 1,331 SH   OTR None 1,331 0 0
AMERIPRISE FINANCIAL Equity 03076C106 202 850 SH   OTR None 850 0 0
CHURCH & DWIGHT Equity 171340102 201 2,175 SH   OTR None 2,175 0 0
SELECT FINANCIAL SPDR ETF Equity 81369Y605 198 6,300 SH   OTR None 6,300 0 0
ISHARES MBS ETF Equity 464288588 194 2,000 SH   OTR None 2,000 0 0
VANGUARD S&P 500 ETF Equity 922908363 192 555 SH   OTR None 555 0 0
DELL TECHNOLOGIES Equity 24703L202 189 4,100 SH   OTR None 4,100 0 0
BT GROUP PLC Equity G16612106 185 82,000 SH   OTR None 82,000 0 0
HERSHEYS CO Equity 427866108 185 860 SH   OTR None 860 0 0
VMWARE INC Equity 928563402 184 1,615 SH   OTR None 1,615 0 0
MARSH & MCLENNAN CO Equity 571748102 181 1,168 SH   OTR None 1,168 0 0
MARVELL TECH GROUP Equity G5876H106 165 3,800 SH   OTR None 3,800 0 0
EATON VANCE FLOATING RATE ETF Equity 278279104 164 14,000 SH   OTR None 14,000 0 0
MARATHON PETROLEUM Equity 56585A102 164 2,000 SH   OTR None 2,000 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435G425 159 1,903 SH   OTR None 1,903 0 0
INTERCONTINENTAL INC Equity 45866F104 158 1,690 SH   OTR None 1,690 0 0
ISHARES CORE MSCI EMERGING MKT ETF Equity 46434G103 158 3,225 SH   OTR None 3,225 0 0
TEXAS INSTRUMENTS Equity 882508104 157 1,028 SH   OTR None 1,028 0 0
APPLIED MATERIALS Equity 038222105 156 1,725 SH   OTR None 1,725 0 0
BLACKROCK MUNIASSETS CF Equity 09254J102 154 12,700 SH   OTR None 12,700 0 0
BLACKROCK MUNIY MICHIGAN Equity 09254V105 151 11,550 SH   OTR None 11,550 0 0
ISHARES S&P 500 VALUE ETF Equity 464287408 147 1,075 SH   OTR None 1,075 0 0
POWERSHARES QQQ TRUST SRS 1 ETF IV Equity 73935A104 142 510 SH   OTR None 510 0 0
ISHARES S&P 600 ETF Equity 464287879 142 1,600 SH   OTR None 241,800 0 0
CSX CORP Equity 126408103 137 4,736 SH   OTR None 4,736 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Equity 739371813 134 1,000 SH   OTR None 1,000 0 0
VANGUARD MEGA CAP ETF Equity 921910873 131 1,000 SH   OTR None 1,000 0 0
BROADCOM INC Equity Y09827109 131 271 SH   OTR None 271 0 0
ROPER TECHNOLOGIES Equity 776696106 131 333 SH   OTR None 333 0 0
ABBOTT LABORATORIES Equity 002824100 130 1,204 SH   OTR None 1,204 0 0
ISHARES ESG AWARE MSCI USA ETF Equity 46435U663 130 4,145 SH   OTR None 4,145 0 0
SPDRS GOLD SHARES ETF Equity 78463V107 130 775 SH   OTR None 775 0 0
AMERICAN EXPRESS Equity 025816109 126 915 SH   OTR None 915 0 0
SPDR DEVELOPED WORLD EX-USA ETF Equity 78463X889 122 4,250 SH   OTR None 4,250 0 0
VANGUARD SHORT TERM BOND ETF Equity 921937827 121 1,584 SH   OTR None 1,584 0 0
AUTO DATA PROCESSING Equity 053015103 121 579 SH   OTR None 579 0 0
ISHARES RUSSELL 2000 ETF Equity 464287655 118 700 SH   OTR None 700 0 0
WEC ENERGY GROUP Equity 976657106 115 1,151 SH   OTR None 1,151 0 0
TORO CORP Equity 891092108 112 1,490 SH   OTR None 1,490 0 0
ACCENTURE Equity G1151C101 111 400 SH   OTR None 400 0 0
SANOFI SPOND FUNSPONSORED ADR Equity 590328100 110 2,200 SH   OTR None 2,200 0 0
BLACKROCK MUNIHOLDINGS Equity 09253N104 101 7,961 SH   OTR None 7,961 0 0