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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AGNC INVT CORP COM 00123Q104   235,029 23,201 SH   SOLE 0 0 0 23,201
ALPHABET INC CAP STK CL C 02079K107   371,983 3,075 SH   SOLE 0 0 0 3,075
AMAZON COM INC COM 023135106   380,130 2,916 SH   SOLE 0 0 0 2,916
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   3,246,970 162,267 SH   SOLE 0 0 0 162,267
APPLE INC COM 037833100   1,994,384 10,282 SH   SOLE 0 0 0 10,282
AUTOMATIC DATA PROCESSING IN COM 053015103   255,083 1,161 SH   SOLE 0 0 0 1,161
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,646,501 7,761 SH   SOLE 0 0 0 7,761
BLACKROCK INVT QUALITY MUN T COM 09247D105   336,925 28,970 SH   SOLE 0 0 0 28,970
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   282,821 28,453 SH   SOLE 0 0 0 28,453
BLACKROCK MUNI INCOME TR II COM 09249N101   107,025 10,281 SH   SOLE 0 0 0 10,281
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,483,214 213,518 SH   SOLE 0 0 0 213,518
BLACKROCK MUNICIPAL INCOME COM 09253X102   428,121 37,423 SH   SOLE 0 0 0 37,423
BLACKROCK MUNIYILD QULT FD I COM 09254F100   274,035 23,685 SH   SOLE 0 0 0 23,685
BLACKROCK MUNIYIELD MICH QU COM 09254V105   350,384 31,709 SH   SOLE 0 0 0 31,709
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105   273,343 13,154 SH   SOLE 0 0 0 13,154
CSX CORP COM 126408103   260,722 7,646 SH   SOLE 0 0 0 7,646
CATERPILLAR INC COM 149123101   262,639 1,067 SH   SOLE 0 0 0 1,067
CHEVRON CORP NEW COM 166764100   308,971 1,964 SH   SOLE 0 0 0 1,964
COCA COLA CO COM 191216100   293,570 4,875 SH   SOLE 0 0 0 4,875
DISNEY WALT CO COM 254687106   254,172 2,847 SH   SOLE 0 0 0 2,847
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   135,619 13,630 SH   SOLE 0 0 0 13,630
EATON VANCE MUN INCOME 2028 SHS 27829U105   267,796 15,233 SH   SOLE 0 0 0 15,233
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   602,729 47,459 SH   SOLE 0 0 0 47,459
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   762,011 16,777 SH   SOLE 0 0 0 16,777
GRACO INC COM 384109104   366,642 4,246 SH   SOLE 0 0 0 4,246
HOME DEPOT INC COM 437076102   335,726 1,081 SH   SOLE 0 0 0 1,081
INVESCO QQQ TR UNIT SER 1 46090E103   2,037,257 5,515 SH   SOLE 0 0 0 5,515
INVESCO MUNICIPAL TRUST COM 46131J103   229,611 24,349 SH   SOLE 0 0 0 24,349
INVESCO QUALITY MUN INCOME T COM 46133G107   232,968 24,369 SH   SOLE 0 0 0 24,369
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   259,717 4,135 SH   SOLE 0 0 0 4,135
ISHARES TR CORE S&P500 ETF 464287200   220,181 494 SH   SOLE 0 0 0 494
ISHARES TR CORE S&P MCP ETF 464287507   238,993 914 SH   SOLE 0 0 0 914
ISHARES TR CORE S&P SCP ETF 464287804   859,133 8,622 SH   SOLE 0 0 0 8,622
ISHARES TR MODERT ALLOC ETF 464289875   375,126 9,283 SH   SOLE 0 0 0 9,283
JPMORGAN CHASE & CO COM 46625H100   285,860 1,965 SH   SOLE 0 0 0 1,965
JOHNSON & JOHNSON COM 478160104   649,928 3,927 SH   SOLE 0 0 0 3,927
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   239,219 14,014 SH   SOLE 0 0 0 14,014
MCDONALDS CORP COM 580135101   354,724 1,189 SH   SOLE 0 0 0 1,189
NORFOLK SOUTHN CORP COM 655844108   222,726 982 SH   SOLE 0 0 0 982
NUVEEN AMT FREE QLTY MUN INC COM 670657105   144,026 13,177 SH   SOLE 0 0 0 13,177
NVIDIA CORPORATION COM 67066G104   324,879 768 SH   SOLE 0 0 0 768
NUVEEN QUALITY MUNCP INCOME COM 67066V101   393,068 34,877 SH   SOLE 0 0 0 34,877
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   1,038,870 89,097 SH   SOLE 0 0 0 89,097
NUVEEN AMT FREE MUN CR INC F COM 67071L106   366,889 31,358 SH   SOLE 0 0 0 31,358
OTTER TAIL CORP COM 689648103   209,341 2,651 SH   SOLE 0 0 0 2,651
PIMCO NEW YORK MUN INCOME FD COM 72200T103   135,092 15,745 SH   SOLE 0 0 0 15,745
PROCTER AND GAMBLE CO COM 742718109   518,699 3,418 SH   SOLE 0 0 0 3,418
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   205,496 3,282 SH   SOLE 0 0 0 3,282
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   358,539 11,018 SH   SOLE 0 0 0 11,018
SPDR SER TR PORTFOLIO SHORT 78464A474   270,029 9,172 SH   SOLE 0 0 0 9,172
SPDR SER TR S&P DIVID ETF 78464A763   372,538 3,039 SH   SOLE 0 0 0 3,039
SPDR SER TR PORTFOLI S&P1500 78464A805   17,072,206 313,597 SH   SOLE 0 0 0 313,597
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   18,322,032 354,391 SH   SOLE 0 0 0 354,391
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,294,981 24,728 SH   SOLE 0 0 0 24,728
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   806,069 10,755 SH   SOLE 0 0 0 10,755
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   509,956 7,179 SH   SOLE 0 0 0 7,179
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,009,501 45,879 SH   SOLE 0 0 0 45,879
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   487,779 10,319 SH   SOLE 0 0 0 10,319
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,974,890 27,195 SH   SOLE 0 0 0 27,195
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   368,015 10,323 SH   SOLE 0 0 0 10,323
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,167,479 25,292 SH   SOLE 0 0 0 25,292
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305   397,986 14,402 SH   SOLE 0 0 0 14,402
TESLA INC COM 88160R101   223,028 852 SH   SOLE 0 0 0 852
UNION PAC CORP COM 907818108   311,160 1,521 SH   SOLE 0 0 0 1,521
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   15,817,547 97,381 SH   SOLE 0 0 0 97,381
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   782,343 3,079 SH   SOLE 0 0 0 3,079
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   977,329 6,277 SH   SOLE 0 0 0 6,277
VANGUARD WELLINGTON FD US MINIMUM 921935409   1,665,450 16,691 SH   SOLE 0 0 0 16,691
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   495,467 10,729 SH   SOLE 0 0 0 10,729
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   930,435 8,772 SH   SOLE 0 0 0 8,772
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,023,047 66,894 SH   SOLE 0 0 0 66,894
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   579,690 11,792 SH   SOLE 0 0 0 11,792
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,054,298 10,871 SH   SOLE 0 0 0 10,871
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   875,877 16,098 SH   SOLE 0 0 0 16,098
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   84,055,713 432,274 SH   SOLE 0 0 0 432,274
VANGUARD WORLD FDS ENERGY ETF 92204A306   636,160 5,635 SH   SOLE 0 0 0 5,635
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   528,513 6,506 SH   SOLE 0 0 0 6,506
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   410,032 1,675 SH   SOLE 0 0 0 1,675
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   25,189,748 122,560 SH   SOLE 0 0 0 122,560
VANGUARD WORLD FDS INF TECH ETF 92204A702   34,399,792 77,799 SH   SOLE 0 0 0 77,799
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   838,161 11,078 SH   SOLE 0 0 0 11,078
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   921,104 4,665 SH   SOLE 0 0 0 4,665
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   820,148 4,069 SH   SOLE 0 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   839,979 10,629 SH   SOLE 0 0 0 10,629
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   308,754 6,148 SH   SOLE 0 0 0 6,148
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   42,616,825 104,638 SH   SOLE 0 0 0 104,638
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   266,415 3,188 SH   SOLE 0 0 0 3,188
VANGUARD INDEX FDS SML CP GRW ETF 922908595   853,327 3,714 SH   SOLE 0 0 0 3,714
VANGUARD INDEX FDS SM CP VAL ETF 922908611   804,227 4,862 SH   SOLE 0 0 0 4,862
VANGUARD INDEX FDS MID CAP ETF 922908629   805,025 3,657 SH   SOLE 0 0 0 3,657
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,486,965 43,586 SH   SOLE 0 0 0 43,586
VANGUARD INDEX FDS GROWTH ETF 922908736   2,684,955 9,489 SH   SOLE 0 0 0 9,489
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,688,332 8,489 SH   SOLE 0 0 0 8,489
VANGUARD INDEX FDS TOTAL STK MKT 922908769   28,664,243 130,126 SH   SOLE 0 0 0 130,126
WEC ENERGY GROUP INC COM 92939U106   259,249 2,938 SH   SOLE 0 0 0 2,938
WALMART INC COM 931142103   735,174 4,677 SH   SOLE 0 0 0 4,677
WESTERN ASSET MANAGED MUNS F COM 95766M105   372,352 37,498 SH   SOLE 0 0 0 37,498