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
3M CO COM 88579Y101 354 2,023 SH   SOLE   0 0 2,023
ALTRIA GROUP INC COM 02209S103 582 14,183 SH   SOLE   0 0 14,183
AMAZON COM INC COM 023135106 381 117 SH   SOLE   0 0 117
AMERICAN ELEC PWR CO INC COM 025537101 661 7,944 SH   SOLE   0 0 7,944
AMGEN INC COM 031162100 267 1,162 SH   SOLE   0 0 1,162
APPLE INC COM 037833100 2,585 19,482 SH   SOLE   0 0 19,482
AT&T INC COM 00206R102 1,109 38,561 SH   SOLE   0 0 38,561
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 481 2,076 SH   SOLE   0 0 2,076
BRISTOL-MYERS SQUIBB CO COM 110122108 499 8,044 SH   SOLE   0 0 8,044
CATERPILLAR INC COM 149123101 985 5,413 SH   SOLE   0 0 5,413
CHEVRON CORP NEW COM 166764100 514 6,082 SH   SOLE   0 0 6,082
CISCO SYS INC COM 17275R102 482 10,762 SH   SOLE   0 0 10,762
CLOROX CO DEL COM 189054109 762 3,775 SH   SOLE   0 0 3,775
COCA COLA CO COM 191216100 756 13,793 SH   SOLE   0 0 13,793
DISNEY WALT CO COM 254687106 548 3,025 SH   SOLE   0 0 3,025
DOW INC COM 260557103 318 5,729 SH   SOLE   0 0 5,729
DUKE ENERGY CORP NEW COM NEW 26441C204 316 3,456 SH   SOLE   0 0 3,456
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 74 12,000 SH   SOLE   0 0 12,000
EXXON MOBIL CORP COM 30231G102 214 5,187 SH   SOLE   0 0 5,187
GENERAL MLS INC COM 370334104 306 5,201 SH   SOLE   0 0 5,201
HASBRO INC COM 418056107 394 4,212 SH   SOLE   0 0 4,212
INTEL CORP COM 458140100 604 12,126 SH   SOLE   0 0 12,126
INTERNATIONAL PAPER CO COM 460146103 270 5,428 SH   SOLE   0 0 5,428
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,436 25,535 SH   SOLE   0 0 25,535
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 18,792 115,340 SH   SOLE   0 0 115,340
INVESCO QQQ TR UNIT SER 1 46090E103 1,024 3,265 SH   SOLE   0 0 3,265
ISHARES TR CORE HIGH DV ETF 46429B663 13,195 150,512 SH   SOLE   0 0 150,512
ISHARES TR MSCI EAFE MIN VL 46429B689 9,673 131,761 SH   SOLE   0 0 131,761
ISHARES TR 0-5YR INVT GR CP 46434V100 7,134 136,616 SH   SOLE   0 0 136,616
ISHARES TR MSCI EAFE ETF 464287465 2,984 40,894 SH   SOLE   0 0 40,894
ISHARES TR SELECT DIVID ETF 464287168 2,459 25,569 SH   SOLE   0 0 25,569
ISHARES TR EAFE GRWTH ETF 464288885 1,395 13,820 SH   SOLE   0 0 13,820
ISHARES TR FLTG RATE NT ETF 46429B655 919 18,122 SH   SOLE   0 0 18,122
ISHARES TR MSCI USA QLT FCT 46432F339 741 6,375 SH   SOLE   0 0 6,375
ISHARES TR S&P MC 400GR ETF 464287606 646 8,940 SH   SOLE   0 0 8,940
ISHARES TR CORE 1 5 YR USD 46432F859 405 7,850 SH   SOLE   0 0 7,850
ISHARES TR S&P MC 400VL ETF 464287705 345 4,000 SH   SOLE   0 0 4,000
ISHARES TR CORE DIV GRWTH 46434V621 319 7,124 SH   SOLE   0 0 7,124
ISHARES TR CORE MSCI EAFE 46432F842 279 4,038 SH   SOLE   0 0 4,038
JOHNSON & JOHNSON COM 478160104 213 1,354 SH   SOLE   0 0 1,354
JPMORGAN CHASE & CO COM 46625H100 408 3,209 SH   SOLE   0 0 3,209
KELLOGG CO COM 487836108 2,875 46,207 SH   SOLE   0 0 46,207
KIMBERLY-CLARK CORP COM 494368103 645 4,787 SH   SOLE   0 0 4,787
LANCASTER COLONY CORP COM 513847103 3,335 18,149 SH   SOLE   0 0 18,149
LILLY ELI & CO COM 532457108 2,447 14,492 SH   SOLE   0 0 14,492
LOCKHEED MARTIN CORP COM 539830109 444 1,252 SH   SOLE   0 0 1,252
MCDONALDS CORP COM 580135101 1,101 5,133 SH   SOLE   0 0 5,133
MERCK & CO. INC COM 58933Y105 908 11,106 SH   SOLE   0 0 11,106
MICROSOFT CORP COM 594918104 1,483 6,667 SH   SOLE   0 0 6,667
NUVEEN MICH QUALITY MUN INCO COM 670979103 615 41,652 SH   SOLE   0 0 41,652
NUVEEN MUN VALUE FD INC COM 670928100 1,290 116,180 SH   SOLE   0 0 116,180
PEPSICO INC COM 713448108 853 5,754 SH   SOLE   0 0 5,754
PFIZER INC COM 717081103 1,443 39,196 SH   SOLE   0 0 39,196
PHILIP MORRIS INTL INC COM 718172109 374 4,523 SH   SOLE   0 0 4,523
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 388 7,815 SH   SOLE   0 0 7,815
PROCTER AND GAMBLE CO COM 742718109 1,481 10,644 SH   SOLE   0 0 10,644
QUALCOMM INC COM 747525103 1,461 9,588 SH   SOLE   0 0 9,588
RAYTHEON TECHNOLOGIES CORP COM 75513E101 389 5,442 SH   SOLE   0 0 5,442
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 522 14,489 SH   SOLE   0 0 14,489
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 457 5,156 SH   SOLE   0 0 5,156
SPDR GOLD TR GOLD SHS 78463V107 744 4,173 SH   SOLE   0 0 4,173
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 212 6,277 SH   SOLE   0 0 6,277
SPDR S&P 500 ETF TR TR UNIT 78462F103 544 1,455 SH   SOLE   0 0 1,455
SPDR SER TR S&P DIVID ETF 78464A763 17,863 168,627 SH   SOLE   0 0 168,627
STRYKER CORPORATION COM 863667101 2,584 10,543 SH   SOLE   0 0 10,543
TORONTO DOMINION BK ONT COM NEW 891160509 438 7,771 SH   SOLE   0 0 7,771
UNITED PARCEL SERVICE INC CL B 911312106 919 5,454 SH   SOLE   0 0 5,454
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 569 6,862 SH   SOLE   0 0 6,862
VANGUARD BD INDEX FDS INTERMED TERM 921937819 423 4,554 SH   SOLE   0 0 4,554
VANGUARD INDEX FDS SML CP GRW ETF 922908595 8,155 30,467 SH   SOLE   0 0 30,467
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 7,816 36,858 SH   SOLE   0 0 36,858
VANGUARD INDEX FDS MID CAP ETF 922908629 7,600 36,754 SH   SOLE   0 0 36,754
VANGUARD INDEX FDS SM CP VAL ETF 922908611 7,477 52,574 SH   SOLE   0 0 52,574
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,373 37,873 SH   SOLE   0 0 37,873
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,316 44,686 SH   SOLE   0 0 44,686
VANGUARD INDEX FDS TOTAL STK MKT 922908769 910 4,676 SH   SOLE   0 0 4,676
VANGUARD INDEX FDS GROWTH ETF 922908736 247 976 SH   SOLE   0 0 976
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,467 26,587 SH   SOLE   0 0 26,587
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 8,720 104,744 SH   SOLE   0 0 104,744
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,423 10,081 SH   SOLE   0 0 10,081
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,367 25,861 SH   SOLE   0 0 25,861
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,980 22,882 SH   SOLE   0 0 22,882
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,809 7,941 SH   SOLE   0 0 7,941
VANGUARD WORLD FDS MATERIALS ETF 92204A801 785 4,999 SH   SOLE   0 0 4,999
VERIZON COMMUNICATIONS INC COM 92343V104 856 14,573 SH   SOLE   0 0 14,573
VISA INC COM CL A 92826C839 593 2,711 SH   SOLE   0 0 2,711
WESTERN DIGITAL CORP. COM 958102105 215 3,880 SH   SOLE   0 0 3,880