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   1,792,532 15,771 SH   SOLE   0 0 15,771
ABBVIE INC COM 00287Y109   4,085,887 22,438 SH   SOLE   0 0 22,438
AMAZON COM INC COM 023135106   2,244,288 12,442 SH   SOLE   0 0 12,442
AMERICAN EXPRESS CO COM 025816109   2,820,168 12,386 SH   SOLE   0 0 12,386
APPLE INC COM 037833100   5,397,615 31,477 SH   SOLE   0 0 31,477
AT&T INC COM 00206R102   2,146,443 121,957 SH   SOLE   0 0 121,957
BANK AMERICA CORP COM 060505104   225,624 5,950 SH   SOLE   0 0 5,950
BLACKROCK MUNIYIELD MICH QU COM 09254V105   544,423 47,300 SH   SOLE   0 0 47,300
BROADCOM INC COM 11135F101   326,051 246 SH   SOLE   0 0 246
CARRIER GLOBAL CORPORATION COM 14448C104   1,111,504 19,121 SH   SOLE   0 0 19,121
CHEVRON CORP NEW COM 166764100   2,335,655 14,807 SH   SOLE   0 0 14,807
CISCO SYS INC COM 17275R102   2,414,247 48,372 SH   SOLE   0 0 48,372
COCA COLA CO COM 191216100   7,199,915 117,684 SH   SOLE   0 0 117,684
CONOCOPHILLIPS COM 20825C104   291,089 2,287 SH   SOLE   0 0 2,287
CVS HEALTH CORP COM 126650100   2,770,543 34,736 SH   SOLE   0 0 34,736
DARDEN RESTAURANTS INC COM 237194105   1,107,870 6,628 SH   SOLE   0 0 6,628
DISNEY WALT CO COM 254687106   269,681 2,204 SH   SOLE   0 0 2,204
EATON CORP PLC SHS G29183103   215,437 689 SH   SOLE   0 0 689
EMERSON ELEC CO COM 291011104   3,125,855 27,560 SH   SOLE   0 0 27,560
EXXON MOBIL CORP COM 30231G102   6,174,531 53,119 SH   SOLE   0 0 53,119
GENERAC HLDGS INC COM 368736104   772,608 6,125 SH   SOLE   0 0 6,125
GENUINE PARTS CO COM 372460105   230,846 1,490 SH   SOLE   0 0 1,490
GLOBAL X FDS US PFD ETF 37954Y657   7,097,388 352,053 SH   SOLE   0 0 352,053
HOME DEPOT INC COM 437076102   438,071 1,142 SH   SOLE   0 0 1,142
ISHARES TR RUSSELL 3000 ETF 464287689   281,175 937 SH   SOLE   0 0 937
ISHARES TR MSCI EAFE ETF 464287465   342,200 4,285 SH   SOLE   0 0 4,285
JOHNSON & JOHNSON COM 478160104   2,740,144 17,322 SH   SOLE   0 0 17,322
JPMORGAN CHASE & CO COM 46625H100   6,569,875 32,800 SH   SOLE   0 0 32,800
KEYCORP COM 493267108   796,634 50,388 SH   SOLE   0 0 50,388
KLA CORP COM NEW 482480100   336,012 481 SH   SOLE   0 0 481
MERCK & CO INC COM 58933Y105   231,704 1,756 SH   SOLE   0 0 1,756
META PLATFORMS INC CL A 30303M102   237,934 490 SH   SOLE   0 0 490
MICROSOFT CORP COM 594918104   7,904,831 18,789 SH   SOLE   0 0 18,789
NEXTERA ENERGY INC COM 65339F101   656,356 10,270 SH   SOLE   0 0 10,270
NORTHROP GRUMMAN CORP COM 666807102   4,431,434 9,258 SH   SOLE   0 0 9,258
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   1,267,866 93,916 SH   SOLE   0 0 93,916
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   2,745,665 224,319 SH   SOLE   0 0 224,319
OTIS WORLDWIDE CORP COM 68902V107   590,855 5,952 SH   SOLE   0 0 5,952
PARAMOUNT GLOBAL CLASS B COM 92556H206   633,603 53,832 SH   SOLE   0 0 53,832
PEPSICO INC COM 713448108   1,836,555 10,494 SH   SOLE   0 0 10,494
PFIZER INC COM 717081103   2,030,395 73,167 SH   SOLE   0 0 73,167
PGIM SHORT DUR HIG YLD OPP F COM 69355J104   4,061,289 264,063 SH   SOLE   0 0 264,063
PROCTER AND GAMBLE CO COM 742718109   247,523 1,526 SH   SOLE   0 0 1,526
QUALCOMM INC COM 747525103   2,602,480 15,372 SH   SOLE   0 0 15,372
RTX CORPORATION COM 75513E101   1,363,469 13,980 SH   SOLE   0 0 13,980
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   325,447 3,510 SH   SOLE   0 0 3,510
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,073,520 53,140 SH   SOLE   0 0 53,140
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,706,144 77,087 SH   SOLE   0 0 77,087
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,302,778 40,962 SH   SOLE   0 0 40,962
SCHWAB STRATEGIC TR US TIPS ETF 808524870   840,089 16,106 SH   SOLE   0 0 16,106
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,280,932 68,055 SH   SOLE   0 0 68,055
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   230,552 5,012 SH   SOLE   0 0 5,012
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   306,807 4,038 SH   SOLE   0 0 4,038
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   426,973 6,880 SH   SOLE   0 0 6,880
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   598,203 9,112 SH   SOLE   0 0 9,112
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   473,555 11,243 SH   SOLE   0 0 11,243
SELECT SECTOR SPDR TR ENERGY 81369Y506   344,691 3,651 SH   SOLE   0 0 3,651
SPDR S&P 500 ETF TR TR UNIT 78462F103   373,995 715 SH   SOLE   0 0 715
STRYKER CORPORATION COM 863667101   4,704,201 13,145 SH   SOLE   0 0 13,145
TRUIST FINL CORP COM 89832Q109   2,454,142 62,959 SH   SOLE   0 0 62,959
UNITEDHEALTH GROUP INC COM 91324P102   1,997,104 4,037 SH   SOLE   0 0 4,037
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,116,705 27,608 SH   SOLE   0 0 27,608
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,600,724 6,159 SH   SOLE   0 0 6,159
VERIZON COMMUNICATIONS INC COM 92343V104   1,713,852 40,845 SH   SOLE   0 0 40,845
WALMART INC COM 931142103   1,444,080 24,000 SH   SOLE   0 0 24,000