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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   1,767,868 16,216 SH   SOLE   0 0 16,216
ABBVIE INC COM 00287Y109   3,100,601 23,013 SH   SOLE   0 0 23,013
AMAZON COM INC COM 023135106   1,903,517 14,602 SH   SOLE   0 0 14,602
AMERICAN EXPRESS CO COM 025816109   2,210,772 12,691 SH   SOLE   0 0 12,691
APPLE INC COM 037833100   6,194,626 31,936 SH   SOLE   0 0 31,936
AT&T INC COM 00206R102   1,782,843 111,777 SH   SOLE   0 0 111,777
BLACKROCK MUNIYIELD MICH QU COM 09254V105   165,750 15,000 SH   SOLE   0 0 15,000
BROADCOM INC COM 11135F101   213,388 246 SH   SOLE   0 0 246
CARRIER GLOBAL CORPORATION COM 14448C104   978,044 19,675 SH   SOLE   0 0 19,675
CHEVRON CORP NEW COM 166764100   2,204,301 14,009 SH   SOLE   0 0 14,009
CISCO SYS INC COM 17275R102   2,595,382 50,162 SH   SOLE   0 0 50,162
COCA COLA CO COM 191216100   6,120,416 101,634 SH   SOLE   0 0 101,634
CONOCOPHILLIPS COM 20825C104   238,510 2,302 SH   SOLE   0 0 2,302
CVS HEALTH CORP COM 126650100   2,305,209 33,346 SH   SOLE   0 0 33,346
DARDEN RESTAURANTS INC COM 237194105   1,107,406 6,628 SH   SOLE   0 0 6,628
EMERSON ELEC CO COM 291011104   2,517,813 27,855 SH   SOLE   0 0 27,855
EXXON MOBIL CORP COM 30231G102   5,698,881 53,136 SH   SOLE   0 0 53,136
GENUINE PARTS CO COM 372460105   252,153 1,490 SH   SOLE   0 0 1,490
GLOBAL X FDS US PFD ETF 37954Y657   4,561,032 235,226 SH   SOLE   0 0 235,226
HOME DEPOT INC COM 437076102   364,691 1,174 SH   SOLE   0 0 1,174
ISHARES TR RUSSELL 3000 ETF 464287689   264,150 1,038 SH   SOLE   0 0 1,038
ISHARES TR MSCI EAFE ETF 464287465   367,213 5,065 SH   SOLE   0 0 5,065
JOHNSON & JOHNSON COM 478160104   2,744,080 16,579 SH   SOLE   0 0 16,579
JPMORGAN CHASE & CO COM 46625H100   4,780,050 32,866 SH   SOLE   0 0 32,866
KEYCORP COM 493267108   496,133 53,694 SH   SOLE   0 0 53,694
KLA CORP COM NEW 482480100   248,330 512 SH   SOLE   0 0 512
MERCK & CO INC COM 58933Y105   202,625 1,756 SH   SOLE   0 0 1,756
MICROSOFT CORP COM 594918104   6,621,746 19,445 SH   SOLE   0 0 19,445
NEXTERA ENERGY INC COM 65339F101   460,782 6,210 SH   SOLE   0 0 6,210
NORTHROP GRUMMAN CORP COM 666807102   4,026,537 8,834 SH   SOLE   0 0 8,834
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   361,909 26,359 SH   SOLE   0 0 26,359
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   3,113,010 266,982 SH   SOLE   0 0 266,982
OTIS WORLDWIDE CORP COM 68902V107   529,788 5,952 SH   SOLE   0 0 5,952
PARAMOUNT GLOBAL CLASS B COM 92556H206   849,546 53,397 SH   SOLE   0 0 53,397
PEPSICO INC COM 713448108   1,943,699 10,494 SH   SOLE   0 0 10,494
PFIZER INC COM 717081103   2,301,892 62,756 SH   SOLE   0 0 62,756
PGIM HIGH YIELD BOND FUND IN COM 69346H100   633,482 51,005 SH   SOLE   0 0 51,005
PGIM SHORT DUR HIG YLD OPP F COM 69355J104   3,868,303 259,792 SH   SOLE   0 0 259,792
PROCTER AND GAMBLE CO COM 742718109   231,485 1,526 SH   SOLE   0 0 1,526
QUALCOMM INC COM 747525103   1,875,832 15,758 SH   SOLE   0 0 15,758
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,369,481 13,980 SH   SOLE   0 0 13,980
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   300,550 4,010 SH   SOLE   0 0 4,010
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,633,431 22,493 SH   SOLE   0 0 22,493
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,597,339 74,851 SH   SOLE   0 0 74,851
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   360,306 6,880 SH   SOLE   0 0 6,880
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   270,909 4,038 SH   SOLE   0 0 4,038
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,049,992 78,336 SH   SOLE   0 0 78,336
SCHWAB STRATEGIC TR US TIPS ETF 808524870   846,010 16,136 SH   SOLE   0 0 16,136
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,910,959 53,603 SH   SOLE   0 0 53,603
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   223,276 4,837 SH   SOLE   0 0 4,837
SELECT SECTOR SPDR TR ENERGY 81369Y506   296,352 3,651 SH   SOLE   0 0 3,651
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   418,442 12,413 SH   SOLE   0 0 12,413
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   580,584 8,872 SH   SOLE   0 0 8,872
SPDR S&P 500 ETF TR TR UNIT 78462F103   339,109 765 SH   SOLE   0 0 765
STRYKER CORPORATION COM 863667101   4,114,444 13,486 SH   SOLE   0 0 13,486
TRUIST FINL CORP COM 89832Q109   1,826,129 60,169 SH   SOLE   0 0 60,169
UNITEDHEALTH GROUP INC COM 91324P102   1,815,377 3,777 SH   SOLE   0 0 3,777
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,942,149 25,700 SH   SOLE   0 0 25,700
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,356,705 6,159 SH   SOLE   0 0 6,159
VERIZON COMMUNICATIONS INC COM 92343V104   1,492,862 40,141 SH   SOLE   0 0 40,141
WALGREENS BOOTS ALLIANCE INC COM 931427108   268,347 9,419 SH   SOLE   0 0 9,419
WALMART INC COM 931142103   1,308,524 8,325 SH   SOLE   0 0 8,325