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
AGNC INVT CORP COM 00123Q104   207,623 21,994 SH   SOLE 0 0 0 21,994
ALPHABET INC CAP STK CL C 02079K107   405,439 3,075 SH   SOLE 0 0 0 3,075
AMAZON COM INC COM 023135106   360,512 2,836 SH   SOLE 0 0 0 2,836
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   3,042,813 161,765 SH   SOLE 0 0 0 161,765
APPLE INC COM 037833100   1,755,508 10,253 SH   SOLE 0 0 0 10,253
AUTOMATIC DATA PROCESSING IN COM 053015103   279,211 1,160 SH   SOLE 0 0 0 1,160
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,829,723 8,078 SH   SOLE 0 0 0 8,078
BLACKROCK INVT QUALITY MUN T COM 09247D105   294,709 29,121 SH   SOLE 0 0 0 29,121
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   252,599 28,477 SH   SOLE 0 0 0 28,477
BLACKROCK MUNI INCOME TR II COM 09249N101   94,076 10,292 SH   SOLE 0 0 0 10,292
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,212,803 214,626 SH   SOLE 0 0 0 214,626
BLACKROCK MUNICIPAL INCOME COM 09253X102   380,442 37,481 SH   SOLE 0 0 0 37,481
BLACKROCK MUNIYILD QULT FD I COM 09254F100   242,298 23,685 SH   SOLE 0 0 0 23,685
BLACKROCK MUNIYIELD MICH QU COM 09254V105   314,870 31,709 SH   SOLE 0 0 0 31,709
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105   255,375 13,156 SH   SOLE 0 0 0 13,156
CSX CORP COM 126408103   235,109 7,645 SH   SOLE 0 0 0 7,645
CATERPILLAR INC COM 149123101   291,990 1,069 SH   SOLE 0 0 0 1,069
CHEVRON CORP NEW COM 166764100   352,515 2,090 SH   SOLE 0 0 0 2,090
COCA COLA CO COM 191216100   272,900 4,874 SH   SOLE 0 0 0 4,874
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   202,119 7,741 SH   SOLE 0 0 0 7,741
DISNEY WALT CO COM 254687106   230,742 2,846 SH   SOLE 0 0 0 2,846
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   121,443 13,630 SH   SOLE 0 0 0 13,630
EATON VANCE MUN INCOME 2028 SHS 27829U105   258,352 15,233 SH   SOLE 0 0 0 15,233
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   736,209 52,473 SH   SOLE 0 0 0 52,473
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   4,847,196 113,837 SH   SOLE 0 0 0 113,837
GRACO INC COM 384109104   309,448 4,246 SH   SOLE 0 0 0 4,246
HOME DEPOT INC COM 437076102   326,561 1,080 SH   SOLE 0 0 0 1,080
INVESCO QQQ TR UNIT SER 1 46090E103   1,950,404 5,443 SH   SOLE 0 0 0 5,443
INVESCO MUNICIPAL TRUST COM 46131J103   203,071 24,349 SH   SOLE 0 0 0 24,349
INVESCO QUALITY MUN INCOME T COM 46133G107   204,456 24,369 SH   SOLE 0 0 0 24,369
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   244,544 4,159 SH   SOLE 0 0 0 4,159
ISHARES TR CORE S&P500 ETF 464287200   292,012 680 SH   SOLE 0 0 0 680
ISHARES TR CORE S&P MCP ETF 464287507   226,659 909 SH   SOLE 0 0 0 909
ISHARES TR CORE S&P SCP ETF 464287804   793,552 8,412 SH   SOLE 0 0 0 8,412
ISHARES TR MODERT ALLOC ETF 464289875   336,906 8,654 SH   SOLE 0 0 0 8,654
JPMORGAN CHASE & CO COM 46625H100   285,773 1,970 SH   SOLE 0 0 0 1,970
JOHNSON & JOHNSON COM 478160104   611,565 3,926 SH   SOLE 0 0 0 3,926
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   223,243 14,014 SH   SOLE 0 0 0 14,014
MCDONALDS CORP COM 580135101   313,155 1,188 SH   SOLE 0 0 0 1,188
NUVEEN AMT FREE QLTY MUN INC COM 670657105   157,229 16,242 SH   SOLE 0 0 0 16,242
NVIDIA CORPORATION COM 67066G104   347,122 798 SH   SOLE 0 0 0 798
NUVEEN QUALITY MUNCP INCOME COM 67066V101   355,630 35,071 SH   SOLE 0 0 0 35,071
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   953,046 91,375 SH   SOLE 0 0 0 91,375
NUVEEN AMT FREE MUN CR INC F COM 67071L106   352,530 34,193 SH   SOLE 0 0 0 34,193
OTTER TAIL CORP COM 689648103   201,281 2,651 SH   SOLE 0 0 0 2,651
PIMCO NEW YORK MUN INCOME FD COM 72200T103   113,521 15,745 SH   SOLE 0 0 0 15,745
PROCTER AND GAMBLE CO COM 742718109   499,395 3,423 SH   SOLE 0 0 0 3,423
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   331,602 10,693 SH   SOLE 0 0 0 10,693
SPDR SER TR S&P DIVID ETF 78464A763   350,785 3,050 SH   SOLE 0 0 0 3,050
SPDR SER TR PORTFOLI S&P1500 78464A805   16,149,181 307,662 SH   SOLE 0 0 0 307,662
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   21,398,517 429,258 SH   SOLE 0 0 0 429,258
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,385,858 27,388 SH   SOLE 0 0 0 27,388
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,255,883 17,270 SH   SOLE 0 0 0 17,270
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   562,594 8,312 SH   SOLE 0 0 0 8,312
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,165,521 52,282 SH   SOLE 0 0 0 52,282
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   667,983 14,223 SH   SOLE 0 0 0 14,223
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,109,426 29,810 SH   SOLE 0 0 0 29,810
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   341,230 10,048 SH   SOLE 0 0 0 10,048
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,256,840 28,416 SH   SOLE 0 0 0 28,416
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305   427,702 15,826 SH   SOLE 0 0 0 15,826
UNION PAC CORP COM 907818108   309,654 1,520 SH   SOLE 0 0 0 1,520
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   15,393,969 99,073 SH   SOLE 0 0 0 99,073
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   760,020 3,079 SH   SOLE 0 0 0 3,079
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   933,327 6,277 SH   SOLE 0 0 0 6,277
VANGUARD WELLINGTON FD US MINIMUM 921935409   1,532,815 15,938 SH   SOLE 0 0 0 15,938
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   489,384 11,193 SH   SOLE 0 0 0 11,193
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   910,901 8,816 SH   SOLE 0 0 0 8,816
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,297,251 74,264 SH   SOLE 0 0 0 74,264
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   633,730 12,883 SH   SOLE 0 0 0 12,883
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   995,093 10,679 SH   SOLE 0 0 0 10,679
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   707,008 13,630 SH   SOLE 0 0 0 13,630
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   79,287,125 434,045 SH   SOLE 0 0 0 434,045
VANGUARD WORLD FDS ENERGY ETF 92204A306   690,484 5,448 SH   SOLE 0 0 0 5,448
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   382,413 4,761 SH   SOLE 0 0 0 4,761
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   268,719 1,143 SH   SOLE 0 0 0 1,143
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   24,187,448 124,050 SH   SOLE 0 0 0 124,050
VANGUARD WORLD FDS INF TECH ETF 92204A702   34,440,542 83,009 SH   SOLE 0 0 0 83,009
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   846,640 11,266 SH   SOLE 0 0 0 11,266
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   889,755 4,665 SH   SOLE 0 0 0 4,665
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   792,072 4,069 SH   SOLE 0 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   846,331 11,138 SH   SOLE 0 0 0 11,138
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   322,472 6,704 SH   SOLE 0 0 0 6,704
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   43,625,152 111,090 SH   SOLE 0 0 0 111,090
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   234,556 3,100 SH   SOLE 0 0 0 3,100
VANGUARD INDEX FDS SML CP GRW ETF 922908595   773,142 3,609 SH   SOLE 0 0 0 3,609
VANGUARD INDEX FDS SM CP VAL ETF 922908611   779,318 4,886 SH   SOLE 0 0 0 4,886
VANGUARD INDEX FDS MID CAP ETF 922908629   769,856 3,696 SH   SOLE 0 0 0 3,696
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,117,452 42,680 SH   SOLE 0 0 0 42,680
VANGUARD INDEX FDS GROWTH ETF 922908736   2,530,216 9,291 SH   SOLE 0 0 0 9,291
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,607,333 8,501 SH   SOLE 0 0 0 8,501
VANGUARD INDEX FDS TOTAL STK MKT 922908769   27,394,808 128,971 SH   SOLE 0 0 0 128,971
WEC ENERGY GROUP INC COM 92939U106   236,656 2,938 SH   SOLE 0 0 0 2,938
WALMART INC COM 931142103   765,468 4,786 SH   SOLE 0 0 0 4,786
WESTERN ASSET MANAGED MUNS F COM 95766M105   343,823 38,502 SH   SOLE 0 0 0 38,502