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   209,035 21,308 SH   SOLE 0 0 0 21,308
ALPHABET INC CAP STK CL C 02079K107   438,997 3,115 SH   SOLE 0 0 0 3,115
AMAZON COM INC COM 023135106   446,096 2,936 SH   SOLE 0 0 0 2,936
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839   3,056,257 157,783 SH   SOLE 0 0 0 157,783
APPLE INC COM 037833100   2,762,709 14,350 SH   SOLE 0 0 0 14,350
AUTOMATIC DATA PROCESSING IN COM 053015103   270,379 1,161 SH   SOLE 0 0 0 1,161
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,061,213 8,583 SH   SOLE 0 0 0 8,583
BLACKROCK INVT QUALITY MUN T COM 09247D105   347,357 29,288 SH   SOLE 0 0 0 29,288
BLACKROCK MUN INCOME TR SH BEN INT 09248F109   287,044 28,505 SH   SOLE 0 0 0 28,505
BLACKROCK MUNI INCOME TR II COM 09249N101   110,064 10,306 SH   SOLE 0 0 0 10,306
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104   2,033,624 170,749 SH   SOLE 0 0 0 170,749
BLACKROCK MUNICIPAL INCOME COM 09253X102   437,026 37,545 SH   SOLE 0 0 0 37,545
BLACKROCK MUNIYILD QULT FD I COM 09254F100   288,720 23,685 SH   SOLE 0 0 0 23,685
BLACKROCK MUNIYIELD MICH QU COM 09254V105   360,214 31,709 SH   SOLE 0 0 0 31,709
CSX CORP COM 126408103   265,085 7,646 SH   SOLE 0 0 0 7,646
CATERPILLAR INC COM 149123101   316,935 1,072 SH   SOLE 0 0 0 1,072
CHEVRON CORP NEW COM 166764100   310,194 2,080 SH   SOLE 0 0 0 2,080
COCA COLA CO COM 191216100   287,739 4,883 SH   SOLE 0 0 0 4,883
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   312,264 10,903 SH   SOLE 0 0 0 10,903
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   133,847 13,630 SH   SOLE 0 0 0 13,630
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   715,478 51,846 SH   SOLE 0 0 0 51,846
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303   5,339,658 119,643 SH   SOLE 0 0 0 119,643
GRACO INC COM 384109104   368,383 4,246 SH   SOLE 0 0 0 4,246
HOME DEPOT INC COM 437076102   401,756 1,159 SH   SOLE 0 0 0 1,159
INVESCO QQQ TR UNIT SER 1 46090E103   2,236,054 5,460 SH   SOLE 0 0 0 5,460
INVESCO MUNICIPAL TRUST COM 46131J103   232,046 24,349 SH   SOLE 0 0 0 24,349
INVESCO QUALITY MUN INCOME T COM 46133G107   231,749 24,369 SH   SOLE 0 0 0 24,369
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   262,307 4,186 SH   SOLE 0 0 0 4,186
ISHARES TR CORE S&P MCP ETF 464287507   240,212 867 SH   SOLE 0 0 0 867
ISHARES TR CORE S&P SCP ETF 464287804   547,727 5,060 SH   SOLE 0 0 0 5,060
ISHARES TR MODERT ALLOC ETF 464289875   336,284 8,101 SH   SOLE 0 0 0 8,101
JPMORGAN CHASE & CO COM 46625H100   336,229 1,977 SH   SOLE 0 0 0 1,977
JOHNSON & JOHNSON COM 478160104   612,681 3,909 SH   SOLE 0 0 0 3,909
MAINSTAY MACKAY DEFINEDTERM COM 56064K100   227,728 14,014 SH   SOLE 0 0 0 14,014
MCDONALDS CORP COM 580135101   352,496 1,189 SH   SOLE 0 0 0 1,189
MICROSOFT CORP COM 594918104   202,604 539 SH   SOLE 0 0 0 539
NUVEEN AMT FREE QLTY MUN INC COM 670657105   179,426 16,311 SH   SOLE 0 0 0 16,311
NVIDIA CORPORATION COM 67066G104   395,213 798 SH   SOLE 0 0 0 798
NUVEEN QUALITY MUNCP INCOME COM 67066V101   246,484 21,527 SH   SOLE 0 0 0 21,527
NUVEEN MUNICIPAL CREDIT INC COM SH BEN INT 67070X101   1,057,642 89,479 SH   SOLE 0 0 0 89,479
NUVEEN AMT FREE MUN CR INC F COM 67071L106   404,161 34,193 SH   SOLE 0 0 0 34,193
OTTER TAIL CORP COM 689648103   226,451 2,665 SH   SOLE 0 0 0 2,665
PIMCO NEW YORK MUN INCOME FD COM 72200T103   123,756 15,745 SH   SOLE 0 0 0 15,745
PROCTER AND GAMBLE CO COM 742718109   502,542 3,429 SH   SOLE 0 0 0 3,429
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   201,633 3,297 SH   SOLE 0 0 0 3,297
SPDR SER TR S&P DIVID ETF 78464A763   382,786 3,063 SH   SOLE 0 0 0 3,063
SPDR SER TR PORTFOLI S&P1500 78464A805   16,563,243 283,375 SH   SOLE 0 0 0 283,375
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   30,272,744 543,789 SH   SOLE 0 0 0 543,789
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,570,572 27,847 SH   SOLE 0 0 0 27,847
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,079,122 25,062 SH   SOLE 0 0 0 25,062
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,395,789 18,531 SH   SOLE 0 0 0 18,531
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,688,412 78,078 SH   SOLE 0 0 0 78,078
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   900,656 18,616 SH   SOLE 0 0 0 18,616
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,606,997 34,244 SH   SOLE 0 0 0 34,244
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   303,457 8,210 SH   SOLE 0 0 0 8,210
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,508,716 32,362 SH   SOLE 0 0 0 32,362
T ROWE PRICE ETF INC PRICE GRW STOCK 87283Q305   530,867 17,334 SH   SOLE 0 0 0 17,334
UNION PAC CORP COM 907818108   374,103 1,523 SH   SOLE 0 0 0 1,523
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   17,250,250 101,234 SH   SOLE 0 0 0 101,234
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   833,762 3,079 SH   SOLE 0 0 0 3,079
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,043,703 6,214 SH   SOLE 0 0 0 6,214
VANGUARD WELLINGTON FD US MINIMUM 921935409   1,277,280 12,207 SH   SOLE 0 0 0 12,207
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   463,981 9,686 SH   SOLE 0 0 0 9,686
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   998,912 8,948 SH   SOLE 0 0 0 8,948
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   7,030,621 88,614 SH   SOLE 0 0 0 88,614
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   603,333 12,203 SH   SOLE 0 0 0 12,203
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,086,617 10,562 SH   SOLE 0 0 0 10,562
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   688,921 12,271 SH   SOLE 0 0 0 12,271
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   83,398,631 436,734 SH   SOLE 0 0 0 436,734
VANGUARD WORLD FDS ENERGY ETF 92204A306   586,386 5,000 SH   SOLE 0 0 0 5,000
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   441,709 4,788 SH   SOLE 0 0 0 4,788
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   297,808 1,188 SH   SOLE 0 0 0 1,188
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   27,712,359 125,720 SH   SOLE 0 0 0 125,720
VANGUARD WORLD FDS INF TECH ETF 92204A702   41,933,674 86,640 SH   SOLE 0 0 0 86,640
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   842,869 10,894 SH   SOLE 0 0 0 10,894
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   992,852 4,665 SH   SOLE 0 0 0 4,665
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   882,729 4,069 SH   SOLE 0 0 0 4,069
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   891,579 10,969 SH   SOLE 0 0 0 10,969
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   496,425 9,724 SH   SOLE 0 0 0 9,724
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   50,817,971 116,342 SH   SOLE 0 0 0 116,342
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   261,937 2,964 SH   SOLE 0 0 0 2,964
VANGUARD INDEX FDS SML CP GRW ETF 922908595   776,145 3,210 SH   SOLE 0 0 0 3,210
VANGUARD INDEX FDS SM CP VAL ETF 922908611   902,424 5,014 SH   SOLE 0 0 0 5,014
VANGUARD INDEX FDS MID CAP ETF 922908629   310,465 1,335 SH   SOLE 0 0 0 1,335
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   6,868,295 41,773 SH   SOLE 0 0 0 41,773
VANGUARD INDEX FDS GROWTH ETF 922908736   2,892,660 9,305 SH   SOLE 0 0 0 9,305
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,537,417 7,207 SH   SOLE 0 0 0 7,207
VANGUARD INDEX FDS TOTAL STK MKT 922908769   29,220,119 123,177 SH   SOLE 0 0 0 123,177
WEC ENERGY GROUP INC COM 92939U106   247,291 2,938 SH   SOLE 0 0 0 2,938
WALMART INC COM 931142103   817,616 5,186 SH   SOLE 0 0 0 5,186
WESTERN ASSET MANAGED MUNS F COM 95766M105   406,819 40,002 SH   SOLE 0 0 0 40,002