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   1,637,622 15,760 SH   SOLE   0 0 15,760
ABBVIE INC COM 00287Y109   3,848,677 22,439 SH   SOLE   0 0 22,439
AMAZON COM INC COM 023135106   2,434,950 12,600 SH   SOLE   0 0 12,600
AMERICAN EXPRESS CO COM 025816109   2,855,243 12,331 SH   SOLE   0 0 12,331
APPLE INC COM 037833100   6,983,547 33,157 SH   SOLE   0 0 33,157
AT&T INC COM 00206R102   1,671,685 87,477 SH   SOLE   0 0 87,477
BANK AMERICA CORP COM 060505104   230,666 5,800 SH   SOLE   0 0 5,800
BLACKROCK MUNIYIELD MICH QU COM 09254V105   541,107 47,300 SH   SOLE   0 0 47,300
BROADCOM INC COM 11135F101   394,960 246 SH   SOLE   0 0 246
CARRIER GLOBAL CORPORATION COM 14448C104   1,197,637 18,986 SH   SOLE   0 0 18,986
CHEVRON CORP NEW COM 166764100   2,415,441 15,442 SH   SOLE   0 0 15,442
CISCO SYS INC COM 17275R102   2,241,142 47,172 SH   SOLE   0 0 47,172
COCA COLA CO COM 191216100   7,484,380 117,586 SH   SOLE   0 0 117,586
CONOCOPHILLIPS COM 20825C104   255,868 2,237 SH   SOLE   0 0 2,237
CVS HEALTH CORP COM 126650100   2,510,227 42,503 SH   SOLE   0 0 42,503
DARDEN RESTAURANTS INC COM 237194105   1,002,949 6,628 SH   SOLE   0 0 6,628
DISNEY WALT CO COM 254687106   214,367 2,159 SH   SOLE   0 0 2,159
EATON VANCE NATL MUN OPPORT COM SHS 27829L105   1,660,896 98,628 SH   SOLE   0 0 98,628
EMERSON ELEC CO COM 291011104   3,031,934 27,523 SH   SOLE   0 0 27,523
EXELON CORP COM 30161N101   558,952 16,150 SH   SOLE   0 0 16,150
EXXON MOBIL CORP COM 30231G102   6,170,458 53,600 SH   SOLE   0 0 53,600
GENUINE PARTS CO COM 372460105   206,097 1,490 SH   SOLE   0 0 1,490
GLOBAL X FDS US PFD ETF 37954Y657   7,258,338 368,818 SH   SOLE   0 0 368,818
HOME DEPOT INC COM 437076102   393,122 1,142 SH   SOLE   0 0 1,142
ISHARES TR RUSSELL 3000 ETF 464287689   237,059 768 SH   SOLE   0 0 768
ISHARES TR MSCI EAFE ETF 464287465   335,644 4,285 SH   SOLE   0 0 4,285
JOHNSON & JOHNSON COM 478160104   3,287,496 22,492 SH   SOLE   0 0 22,492
JPMORGAN CHASE & CO. COM 46625H100   6,550,835 32,388 SH   SOLE   0 0 32,388
KEYCORP COM 493267108   737,328 51,888 SH   SOLE   0 0 51,888
KLA CORP COM NEW 482480100   396,589 481 SH   SOLE   0 0 481
MCDONALDS CORP COM 580135101   1,703,856 6,686 SH   SOLE   0 0 6,686
MERCK & CO INC COM 58933Y105   217,393 1,756 SH   SOLE   0 0 1,756
META PLATFORMS INC CL A 30303M102   228,916 454 SH   SOLE   0 0 454
MICROSOFT CORP COM 594918104   8,223,925 18,400 SH   SOLE   0 0 18,400
NEXTERA ENERGY INC COM 65339F101   663,136 9,365 SH   SOLE   0 0 9,365
NORTHROP GRUMMAN CORP COM 666807102   4,037,333 9,261 SH   SOLE   0 0 9,261
NUVEEN AMT-FREE MUN VALUE FD COM 670695105   1,501,885 108,205 SH   SOLE   0 0 108,205
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   2,620,139 212,157 SH   SOLE   0 0 212,157
OTIS WORLDWIDE CORP COM 68902V107   571,977 5,942 SH   SOLE   0 0 5,942
PARAMOUNT GLOBAL CLASS B COM 92556H206   547,979 52,741 SH   SOLE   0 0 52,741
PEPSICO INC COM 713448108   1,730,775 10,494 SH   SOLE   0 0 10,494
PFIZER INC COM 717081103   2,073,389 74,103 SH   SOLE   0 0 74,103
PGIM SHORT DUR HIG YLD OPP F COM 69355J104   4,625,168 301,707 SH   SOLE   0 0 301,707
PROCTER AND GAMBLE CO COM 742718109   251,598 1,526 SH   SOLE   0 0 1,526
QUALCOMM INC COM 747525103   3,052,035 15,323 SH   SOLE   0 0 15,323
RTX CORPORATION COM 75513E101   1,358,277 13,530 SH   SOLE   0 0 13,530
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   3,008,366 62,505 SH   SOLE   0 0 62,505
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   442,040 6,880 SH   SOLE   0 0 6,880
SCHWAB STRATEGIC TR US TIPS ETF 808524870   833,252 16,021 SH   SOLE   0 0 16,021
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,244,534 83,419 SH   SOLE   0 0 83,419
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   299,135 4,038 SH   SOLE   0 0 4,038
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,503,644 45,057 SH   SOLE   0 0 45,057
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   379,545 8,327 SH   SOLE   0 0 8,327
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,033,798 52,936 SH   SOLE   0 0 52,936
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   353,948 3,510 SH   SOLE   0 0 3,510
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   462,200 11,243 SH   SOLE   0 0 11,243
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   557,181 8,177 SH   SOLE   0 0 8,177
SELECT SECTOR SPDR TR ENERGY 81369Y506   332,789 3,651 SH   SOLE   0 0 3,651
SPDR S&P 500 ETF TR TR UNIT 78462F103   383,675 705 SH   SOLE   0 0 705
STRYKER CORPORATION COM 863667101   4,458,976 13,105 SH   SOLE   0 0 13,105
TRUIST FINL CORP COM 89832Q109   1,799,221 46,312 SH   SOLE   0 0 46,312
UNITEDHEALTH GROUP INC COM 91324P102   2,028,892 3,984 SH   SOLE   0 0 3,984
US BANCORP DEL COM NEW 902973304   694,988 17,506 SH   SOLE   0 0 17,506
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,346,483 30,593 SH   SOLE   0 0 30,593
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,647,594 6,159 SH   SOLE   0 0 6,159
VERIZON COMMUNICATIONS INC COM 92343V104   1,827,262 44,308 SH   SOLE   0 0 44,308
WALMART INC COM 931142103   1,573,242 23,235 SH   SOLE   0 0 23,235