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 543 3,645 SH   SOLE   3,606 0 39
ABBOTT LABS COM 002824100 5,692 48,092 SH   SOLE   47,297 0 795
ABBVIE INC COM 00287Y109 7,630 47,065 SH   SOLE   46,665 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101 375 824 SH   SOLE   824 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 256 2,350 SH   SOLE   2,350 0 0
ALPHABET INC CAP STK CL C 02079K107 723 259 SH   SOLE   259 0 0
ALPHABET INC CAP STK CL A 02079K305 4,030 1,449 SH   SOLE   1,444 0 5
ALTRIA GROUP INC COM 02209S103 487 9,157 SH   SOLE   9,157 0 0
AMAZON COM INC COM 023135106 799 245 SH   SOLE   245 0 0
AMGEN INC COM 031162100 496 2,050 SH   SOLE   2,050 0 0
APPLE INC COM 037833100 8,644 49,505 SH   SOLE   49,405 0 100
APPLIED MATLS INC COM 038222105 567 4,300 SH   SOLE   4,300 0 0
AT&T INC COM 00206R102 202 8,549 SH   SOLE   1,617 0 6,932
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 283 802 SH   SOLE   802 0 0
BK OF AMERICA CORP COM 060505104 317 7,685 SH   SOLE   7,685 0 0
BLACKROCK INC COM 09247X101 394 515 SH   SOLE   515 0 0
BLACKSTONE GROUP INC COM 09260D107 558 4,393 SH   SOLE   4,393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 263 3,580 SH   SOLE   701 0 2,879
CATERPILLAR INC COM 149123101 1,161 5,210 SH   SOLE   5,210 0 0
CHEVRON CORP NEW COM 166764100 2,381 14,620 SH   SOLE   13,386 0 1,234
CHUBB LIMITED COM H1467J104 229 1,065 SH   SOLE   1,065 0 0
CISCO SYS INC COM 17275R102 646 11,583 SH   SOLE   9,763 0 1,820
COCA COLA CO COM 191216100 766 12,272 SH   SOLE   11,772 0 500
CONOCOPHILLIPS COM 20825C104 379 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105 2,858 4,963 SH   SOLE   4,681 0 282
CVS HEALTH CORP COM 126650100 420 4,151 SH   SOLE   4,061 0 90
DANAHER CORPORATION COM 235851102 1,412 4,810 SH   SOLE   4,810 0 0
DBX ETF TR XTRACK USD HIGH 233051432 1,238 32,816 SH   SOLE   32,687 0 129
DEERE & CO COM 244199105 414 993 SH   SOLE   963 0 30
DISNEY WALT CO COM 254687106 550 4,013 SH   SOLE   4,013 0 0
DTE ENERGY CO COM 233331107 303 2,278 SH   SOLE   232 0 2,046
ENTERPRISE PRODS PARTNERS L COM 293792107 316 12,230 SH   SOLE   12,230 0 0
EXXON MOBIL CORP COM 30231G102 1,380 16,713 SH   SOLE   8,096 0 8,617
FACEBOOK INC CL A 30303M102 1,410 6,339 SH   SOLE   6,309 0 30
FORD MTR CO DEL COM 345370860 191 11,293 SH   SOLE   11,293 0 0
GENERAL DYNAMICS CORP COM 369550108 476 1,975 SH   SOLE   1,975 0 0
HOME DEPOT INC COM 437076102 347 1,158 SH   SOLE   908 0 250
INTEL CORP COM 458140100 584 11,780 SH   SOLE   11,690 0 90
INTERNATIONAL BUSINESS MACHS COM 459200101 610 4,694 SH   SOLE   4,444 0 250
ISHARES TR CORE S&P500 ETF 464287200 2,726 6,009 SH   SOLE   6,009 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 275 3,602 SH   SOLE   3,602 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 247 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,001 54,365 SH   SOLE   53,715 0 650
ISHARES TR CORE S&P MCP ETF 464287507 2,666 9,935 SH   SOLE   9,935 0 0
ISHARES TR COHEN STEER REIT 464287564 1,423 20,042 SH   SOLE   19,915 0 127
ISHARES TR RUSSELL 2000 ETF 464287655 2,684 13,076 SH   SOLE   13,026 0 50
ISHARES TR CORE S&P SCP ETF 464287804 1,323 12,263 SH   SOLE   12,163 0 100
ISHARES TR GNMA BOND ETF 46429B333 901 18,881 SH   SOLE   15,764 0 3,117
ISHARES TR CORE 1 5 YR USD 46432F859 233 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 399 16,199 SH   SOLE   770 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549 224 4,346 SH   SOLE   0 0 4,346
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,597 31,765 SH   SOLE   31,765 0 0
JOHNSON & JOHNSON COM 478160104 1,414 7,981 SH   SOLE   7,701 0 280
JPMORGAN CHASE & CO COM 46625H100 2,263 16,600 SH   SOLE   15,161 0 1,439
LEVEL ONE BANCORP INC COM 52730D208 1,498 37,449 SH   SOLE   37,449 0 0
LILLY ELI & CO COM 532457108 403 1,407 SH   SOLE   1,407 0 0
LOWES COS INC COM 548661107 700 3,461 SH   SOLE   3,426 0 35
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 234 4,763 SH   SOLE   4,763 0 0
MARATHON OIL CORP COM 565849106 640 25,502 SH   SOLE   25,502 0 0
MASCO CORP COM 574599106 506 9,925 SH   SOLE   9,925 0 0
MCDONALDS CORP COM 580135101 1,696 6,860 SH   SOLE   6,825 0 35
MERCK & CO. INC COM 58933Y105 415 5,011 SH   SOLE   1,660 0 3,351
MICROCHIP TECHNOLOGY INC. COM 595017104 760 10,120 SH   SOLE   10,030 0 90
MICROSOFT CORP COM 594918104 4,004 12,986 SH   SOLE   12,424 0 562
NIKE INC CL B 654106103 1,087 8,056 SH   SOLE   8,006 0 50
NORFOLK SOUTHN CORP COM 655844108 498 1,747 SH   SOLE   1,747 0 0
OLD NATL BANCORP IND COM 680033107 190 11,615 SH   SOLE   11,615 0 0
ORACLE CORP COM 68389X105 1,437 17,375 SH   SOLE   17,300 0 75
PEPSICO INC COM 713448108 1,022 6,103 SH   SOLE   6,058 0 45
PFIZER INC COM 717081103 665 12,850 SH   SOLE   3,403 0 9,447
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 962 9,863 SH   SOLE   9,573 0 290
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,918 28,668 SH   SOLE   28,540 0 128
PROCTER AND GAMBLE CO COM 742718109 1,985 12,989 SH   SOLE   12,664 0 325
PROGRESSIVE CORP COM 743315103 217 1,900 SH   SOLE   1,900 0 0
SALESFORCE COM INC COM 79466L302 1,235 5,815 SH   SOLE   5,780 0 35
SCHWAB CHARLES CORP COM 808513105 976 11,572 SH   SOLE   11,472 0 100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,744 106,659 SH   SOLE   105,749 0 910
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,182 69,265 SH   SOLE   68,871 0 394
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,677 79,515 SH   SOLE   79,046 0 469
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,623 113,676 SH   SOLE   111,995 0 1,681
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,591 96,931 SH   SOLE   95,889 0 1,042
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,964 106,738 SH   SOLE   106,413 0 325
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 234 4,825 SH   SOLE   4,825 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,951 216,540 SH   SOLE   215,955 0 585
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,024 82,749 SH   SOLE   78,727 0 4,022
SOUTHERN CO COM 842587107 260 3,591 SH   SOLE   452 0 3,139
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 6,984 14,206 SH   SOLE   14,056 0 150
STARBUCKS CORP COM 855244109 235 2,587 SH   SOLE   2,587 0 0
STRYKER CORPORATION COM 863667101 3,062 11,424 SH   SOLE   10,714 0 710
SYSCO CORP COM 871829107 571 6,950 SH   SOLE   6,950 0 0
TESLA INC COM 88160R101 901 836 SH   SOLE   836 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 228 385 SH   SOLE   385 0 0
TJX COS INC NEW COM 872540109 1,320 21,797 SH   SOLE   21,697 0 100
UNION PAC CORP COM 907818108 472 1,728 SH   SOLE   305 0 1,423
V F CORP COM 918204108 392 6,895 SH   SOLE   6,895 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 941 5,351 SH   SOLE   5,351 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,398 30,305 SH   SOLE   29,825 0 480
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,972 50,868 SH   SOLE   50,697 0 171
VERIZON COMMUNICATIONS INC COM 92343V104 436 8,567 SH   SOLE   2,096 0 6,471
VISA INC COM CL A 92826C839 2,170 9,785 SH   SOLE   9,735 0 50
INVESCO QQQ TR UNIT SER 1 46090E103 274 756 SH   SOLE   756 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 283 2,400 SH   SOLE   2,400 0 0