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
ABBOTT LABS COM 002824100 5,809 49,176 SH   SOLE   48,366 0 810
AMAZON COM INC COM 023135106 440 134 SH   SOLE   134 0 0
AMGEN INC COM 031162100 467 2,195 SH   SOLE   2,175 0 20
APPLE INC COM 037833100 6,599 46,634 SH   SOLE   46,499 0 135
BK OF AMERICA CORP COM 060505104 322 7,585 SH   SOLE   7,585 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 236 866 SH   SOLE   866 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 215 3,605 SH   SOLE   726 0 2,879
CVS HEALTH CORP COM 126650100 348 4,096 SH   SOLE   4,006 0 90
CATERPILLAR INC COM 149123101 1,072 5,585 SH   SOLE   5,585 0 0
CHEVRON CORP NEW COM 166764100 1,292 12,738 SH   SOLE   11,504 0 1,234
COCA COLA CO COM 191216100 687 12,980 SH   SOLE   12,480 0 500
DBX ETF TR XTRACK USD HIGH 233051432 497 12,395 SH   SOLE   12,352 0 43
DTE ENERGY CO COM 233331107 259 2,298 SH   SOLE   252 0 2,046
DANAHER CORPORATION COM 235851102 1,663 5,458 SH   SOLE   5,438 0 20
DEERE & CO COM 244199105 352 1,046 SH   SOLE   1,001 0 45
DISNEY WALT CO COM 254687106 768 4,542 SH   SOLE   4,542 0 0
FORD MTR CO DEL COM 345370860 171 12,074 SH   SOLE   11,974 0 100
GENERAL DYNAMICS CORP COM 369550108 446 2,275 SH   SOLE   2,275 0 0
HOME DEPOT INC COM 437076102 496 1,510 SH   SOLE   1,260 0 250
INTEL CORP COM 458140100 995 18,680 SH   SOLE   18,590 0 90
INTERNATIONAL BUSINESS MACHS COM 459200101 693 4,985 SH   SOLE   4,735 0 250
ISHARES TR CORE S&P500 ETF 464287200 2,620 6,081 SH   SOLE   6,081 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 221 4,380 SH   SOLE   4,380 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 265 3,587 SH   SOLE   3,587 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 256 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,476 57,383 SH   SOLE   56,573 0 810
ISHARES TR CORE S&P MCP ETF 464287507 2,922 11,108 SH   SOLE   11,108 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 290 1,850 SH   SOLE   1,850 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 504 1,838 SH   SOLE   1,838 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,821 12,895 SH   SOLE   12,830 0 65
ISHARES TR CORE S&P SCP ETF 464287804 1,387 12,703 SH   SOLE   12,593 0 110
JOHNSON & JOHNSON COM 478160104 1,357 8,401 SH   SOLE   8,121 0 280
LILLY ELI & CO COM 532457108 325 1,407 SH   SOLE   1,407 0 0
LOWES COS INC COM 548661107 701 3,454 SH   SOLE   3,409 0 45
MARATHON OIL CORP COM 565849106 403 29,452 SH   SOLE   29,452 0 0
MASCO CORP COM 574599106 582 10,475 SH   SOLE   10,475 0 0
MCDONALDS CORP COM 580135101 1,787 7,410 SH   SOLE   7,375 0 35
MICROSOFT CORP COM 594918104 3,974 14,097 SH   SOLE   13,535 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104 807 5,255 SH   SOLE   5,210 0 45
NIKE INC CL B 654106103 1,199 8,241 SH   SOLE   8,176 0 65
NORFOLK SOUTHN CORP COM 655844108 418 1,747 SH   SOLE   1,727 0 20
OLD NATL BANCORP IND COM 680033107 214 12,615 SH   SOLE   12,615 0 0
PEPSICO INC COM 713448108 959 6,378 SH   SOLE   6,333 0 45
PFIZER INC COM 717081103 547 12,711 SH   SOLE   3,264 0 9,447
PROCTER AND GAMBLE CO COM 742718109 1,862 13,317 SH   SOLE   12,992 0 325
SCHWAB CHARLES CORP COM 808513105 905 12,425 SH   SOLE   12,290 0 135
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,299 60,554 SH   SOLE   59,467 0 1,087
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,406 29,754 SH   SOLE   29,534 0 220
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,500 66,690 SH   SOLE   66,150 0 540
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,648 112,805 SH   SOLE   110,885 0 1,920
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,621 46,161 SH   SOLE   45,564 0 597
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,147 103,248 SH   SOLE   102,752 0 496
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 271 5,300 SH   SOLE   5,300 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,244 213,015 SH   SOLE   211,978 0 1,037
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,173 82,658 SH   SOLE   78,637 0 4,021
SOUTHERN CO COM 842587107 222 3,576 SH   SOLE   437 0 3,139
STARBUCKS CORP COM 855244109 230 2,087 SH   SOLE   2,087 0 0
STRYKER CORPORATION COM 863667101 3,118 11,795 SH   SOLE   11,085 0 710
SYSCO CORP COM 871829107 529 6,700 SH   SOLE   6,700 0 0
TJX COS INC NEW COM 872540109 1,563 23,687 SH   SOLE   23,562 0 125
THERMO FISHER SCIENTIFIC INC COM 883556102 220 385 SH   SOLE   385 0 0
UNION PAC CORP COM 907818108 348 1,774 SH   SOLE   351 0 1,423
V F CORP COM 918204108 454 6,773 SH   SOLE   6,773 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,550 30,987 SH   SOLE   30,457 0 530
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 244 3,725 SH   SOLE   3,725 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 805 4,756 SH   SOLE   4,756 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 280 781 SH   SOLE   781 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 289 2,550 SH   SOLE   2,550 0 0
AT&T INC COM 00206R102 295 10,906 SH   SOLE   3,974 0 6,932
ABBVIE INC COM 00287Y109 4,946 45,848 SH   SOLE   45,448 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101 474 824 SH   SOLE   824 0 0
ALPHABET INC CAP STK CL C 02079K107 784 294 SH   SOLE   291 0 3
ALPHABET INC CAP STK CL A 02079K305 3,272 1,224 SH   SOLE   1,219 0 5
BLACKROCK INC COM 09247X101 403 480 SH   SOLE   480 0 0
CISCO SYS INC COM 17275R102 723 13,277 SH   SOLE   11,457 0 1,820
CONOCOPHILLIPS COM 20825C104 256 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105 2,316 5,153 SH   SOLE   4,871 0 282
EXXON MOBIL CORP COM 30231G102 1,043 17,726 SH   SOLE   9,109 0 8,617
FACEBOOK INC CL A 30303M102 1,972 5,810 SH   SOLE   5,765 0 45
FEDEX CORP COM 31428X106 242 1,100 SH   SOLE   1,080 0 20
ISHARES TR GNMA BOND ETF 46429B333 1,786 35,724 SH   SOLE   32,477 0 3,247
ISHARES TR CORE 1 5 YR USD 46432F859 246 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 421 16,199 SH   SOLE   770 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549 240 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100 2,887 17,636 SH   SOLE   16,182 0 1,454
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,713 33,765 SH   SOLE   33,765 0 0
LEVEL ONE BANCORP INC COM 52730D208 1,517 51,448 SH   SOLE   51,448 0 0
MERCK & CO INC COM 58933Y105 380 5,011 SH   SOLE   1,660 0 3,351
ORACLE CORP COM 68389X105 1,748 20,060 SH   SOLE   19,960 0 100
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 1,306 12,831 SH   SOLE   12,541 0 290
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,250 29,400 SH   SOLE   29,268 0 132
SPDR S&P 500 ETF TR TR UNIT 78462F103 336 780 SH   SOLE   707 0 73
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 6,886 14,282 SH   SOLE   14,102 0 180
SALESFORCE COM INC COM 79466L302 1,622 5,980 SH   SOLE   5,935 0 45
TESLA INC COM 88160R101 2,141 2,760 SH   SOLE   2,760 0 0
3M CO COM 88579Y101 846 4,820 SH   SOLE   4,781 0 39
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,463 29,883 SH   SOLE   29,752 0 131
VERIZON COMMUNICATIONS INC COM 92343V104 512 9,471 SH   SOLE   3,000 0 6,471
VISA INC COM CL A 92826C839 2,319 10,410 SH   SOLE   10,345 0 65