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
Expires: July 31, 2015
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 431,050 1,648 SH SOLE 0 0 1,648
ADVANCED MICRO DEVICES INC COM 007903107 312,609 511 SH SOLE 0 0 511
AGNC INVT CORP COM 00123Q104 279,482 30,814 SH SOLE 0 0 30,814
ALPHABET INC CAP STK CL C 02079K107 1,608,189 4,720 SH SOLE 0 0 4,720
ALPHABET INC CAP STK CL A 02079K305 469,669 1,365 SH SOLE 0 0 1,365
AMAZON COM INC COM 023135106 1,179,974 4,736 SH SOLE 0 0 4,736
ANNALY CAPITAL MANAGEMENT IN COM NEW 035710839 2,599,683 137,622 SH SOLE 0 0 137,622
APPLE INC COM 037833100 5,357,246 16,087 SH SOLE 0 0 16,087
APPLIED MATLS INC COM 038222105 395,781 774 SH SOLE 0 0 774
ARK ETF TR INNOVATION ETF 00214Q104 279,745 3,140 SH SOLE 0 0 3,140
AUTOMATIC DATA PROCESSING IN COM 053015103 299,498 1,161 SH SOLE 0 0 1,161
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,061,685 26,231 SH SOLE 0 0 26,231
BLACKROCK ETF TRUST II ISHAR INTER ETF 092528207 1,327,918 58,013 SH SOLE 0 0 58,013
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 1,409,777 137,405 SH SOLE 0 0 137,405
BLACKROCK MUNIYIELD MICH QU COM 09254V105 357,995 31,709 SH SOLE 0 0 31,709
BLACKROCK MUNIYILD QULT FD I COM 09254F100 437,267 44,035 SH SOLE 0 0 44,035
CATERPILLAR INC COM 149123101 661,937 816 SH SOLE 0 0 816
CHEVRON CORPORATION COM 166764100 572,357 2,803 SH SOLE 0 0 2,803
CISCO SYS INC COM 17275R102 312,280 2,901 SH SOLE 0 0 2,901
COCA COLA CO COM 191216100 316,259 3,674 SH SOLE 0 0 3,674
COSTCO WHOLESALE CORPORATION COM 22160K105 204,387 225 SH SOLE 0 0 225
CSX CORP COM 126408103 393,355 8,457 SH SOLE 0 0 8,457
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 3,961,913 95,629 SH SOLE 0 0 95,629
EA SERIES TRUST STRIVE 500 ETF 02072L680 240,666 4,881 SH SOLE 0 0 4,881
EATON VANCE MUN INCOME TR SH BEN INT 27826U108 125,941 13,630 SH SOLE 0 0 13,630
EMERSON ELEC CO COM 291011104 280,286 1,807 SH SOLE 0 0 1,807
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 992,596 50,207 SH SOLE 0 0 50,207
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 230,716 1,418 SH SOLE 0 0 1,418
FIDELITY COVINGTON TRUST CONSMR STAPLES 316092303 18,270,363 359,370 SH SOLE 0 0 359,370
GRACO INC COM 384109104 338,182 4,401 SH SOLE 0 0 4,401
HOME DEPOT INC COM 437076102 348,397 1,225 SH SOLE 0 0 1,225
INTEL CORP COM 458140100 204,155 1,698 SH SOLE 0 0 1,698
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 287,472 4,077 SH SOLE 0 0 4,077
INVESCO MUNICIPAL TRUST COM 46131J103 206,480 24,349 SH SOLE 0 0 24,349
INVESCO QQQ TR UNIT SER 1 46090E103 3,306,568 4,470 SH SOLE 0 0 4,470
INVESCO QUALITY MUN INCOME T COM 46133G107 210,061 24,369 SH SOLE 0 0 24,369
ISHARES GOLD TR ISHARES NEW 464285204 202,688 2,595 SH SOLE 0 0 2,595
ISHARES SILVER TR ISHARES 46428Q109 388,983 7,136 SH SOLE 0 0 7,136
ISHARES TR CORE S&P500 ETF 464287200 358,418 468 SH SOLE 0 0 468
ISHARES TR CORE 60 BALA ETF 464289867 3,269,381 47,714 SH SOLE 0 0 47,714
JOHNSON & JOHNSON COM 478160104 1,004,811 3,795 SH SOLE 0 0 3,795
JPMORGAN CHASE & CO COM 46625H100 804,159 2,431 SH SOLE 0 0 2,431
LAMAR ADVERTISING CO CL A 512816109 223,939 1,554 SH SOLE 0 0 1,554
MCDONALDS CORP COM 580135101 247,353 1,071 SH SOLE 0 0 1,071
MCKESSON CORP COM 58155Q103 207,579 243 SH SOLE 0 0 243
MERCK & CO INC COM 58933Y105 289,777 1,994 SH SOLE 0 0 1,994
META PLATFORMS INC CL A 30303M102 812,161 1,120 SH SOLE 0 0 1,120
MICROSOFT CORP COM 594918104 1,056,690 2,060 SH SOLE 0 0 2,060
MPLX LP COM UNIT REP LTD 55336V100 1,405,619 24,958 SH SOLE 0 0 24,958
NUVEEN AMT FREE MUN CR INC F COM 67071L106 335,923 31,661 SH SOLE 0 0 31,661
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 1,435,649 132,562 SH SOLE 0 0 132,562
NUVEEN QUALITY MUNCP INCOME COM 67066V101 150,292 14,851 SH SOLE 0 0 14,851
NVIDIA CORPORATION COM 67066G104 2,427,349 10,629 SH SOLE 0 0 10,629
NYLIM MACKAY DEFINEDTERM MUN COM 56064K100 190,731 14,014 SH SOLE 0 0 14,014
OTTER TAIL CORP COM 689648103 240,504 2,732 SH SOLE 0 0 2,732
PALANTIR TECHNOLOGIES INC CL A 69608A108 272,345 1,456 SH SOLE 0 0 1,456
PIMCO NEW YORK MUN FD II COM 72200Y102 99,774 16,303 SH SOLE 0 0 16,303
PROCTER & GAMBLE CO COM 742718109 555,235 3,822 SH SOLE 0 0 3,822
PUBLIC SVC ENTERPRISE GROUP COM 744573106 232,213 3,448 SH SOLE 0 0 3,448
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,284,652 162,455 SH SOLE 0 0 162,455
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,368,052 99,248 SH SOLE 0 0 99,248
SCHWAB STRATEGIC TR CORE BOND ETF 808524599 281,755 11,585 SH SOLE 0 0 11,585
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 927,454 25,445 SH SOLE 0 0 25,445
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,944,172 174,726 SH SOLE 0 0 174,726
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10,811,875 331,348 SH SOLE 0 0 331,348
SCHWAB STRATEGIC TR US REIT ETF 808524847 378,288 17,164 SH SOLE 0 0 17,164
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 6,124,279 194,607 SH SOLE 0 0 194,607
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 6,452,118 120,039 SH SOLE 0 0 120,039
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 26,332,682 877,756 SH SOLE 0 0 877,756
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,522,623 91,832 SH SOLE 0 0 91,832
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 594,949 11,961 SH SOLE 0 0 11,961
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 28,541,247 794,357 SH SOLE 0 0 794,357
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 100,630,212 3,433,306 SH SOLE 0 0 3,433,306
SCHWAB STRATEGIC TR MUN BD ETF 808524649 3,867,490 160,078 SH SOLE 0 0 160,078
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 6,654,511 276,121 SH SOLE 0 0 276,121
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,544,143 567,608 SH SOLE 0 0 567,608
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 492,370 3,264 SH SOLE 0 0 3,264
SPDR GOLD TR GOLD SHS 78463V107 381,221 1,001 SH SOLE 0 0 1,001
SPDR SERIES TRUST ST STR PR SP1500 78464A805 21,819,009 237,034 SH SOLE 0 0 237,034
SPROTT FDS TR URANI MINER ETF 85208P303 313,236 6,600 SH SOLE 0 0 6,600
T ROWE PRICE EXCHANGE-TRADED PRICE GRW STOCK 87283Q305 974,186 20,105 SH SOLE 0 0 20,105
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 220,796 484 SH SOLE 0 0 484
TESLA INC COM 88160R101 401,290 1,131 SH SOLE 0 0 1,131
UNION PAC CORP COM 907818108 412,322 1,515 SH SOLE 0 0 1,515
US BANCORP COM NEW 902973304 259,477 4,492 SH SOLE 0 0 4,492
VALERO ENERGY CORP COM 91913Y100 201,409 520 SH SOLE 0 0 520
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,579,158 18,474 SH SOLE 0 0 18,474
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,369,193 6,214 SH SOLE 0 0 6,214
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 702,215 14,172 SH SOLE 0 0 14,172
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 140,246,509 200,106 SH SOLE 0 0 200,106
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 956,855 4,142 SH SOLE 0 0 4,142
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 40,888,209 109,257 SH SOLE 0 0 109,257
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 3,372,477 37,426 SH SOLE 0 0 37,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 213,407 2,381 SH SOLE 0 0 2,381
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 7,531,519 32,515 SH SOLE 0 0 32,515
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,743,034 6,127 SH SOLE 0 0 6,127
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 204,007 944 SH SOLE 0 0 944
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 846,124 2,505 SH SOLE 0 0 2,505
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 223,498 2,694 SH SOLE 0 0 2,694
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,322,293 8,377 SH SOLE 0 0 8,377
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,001,011 42,251 SH SOLE 0 0 42,251
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 319,290 4,133 SH SOLE 0 0 4,133
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,399,736 4,069 SH SOLE 0 0 4,069
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,565,110 4,665 SH SOLE 0 0 4,665
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 23,145,732 99,206 SH SOLE 0 0 99,206
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,309,002 97,799 SH SOLE 0 0 97,799
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 3,885,140 55,023 SH SOLE 0 0 55,023
VANGUARD WELLINGTON FD US MINIMUM 921935409 1,063,760 7,515 SH SOLE 0 0 7,515
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 989,242 6,374 SH SOLE 0 0 6,374
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 17,199,879 182,164 SH SOLE 0 0 182,164
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 49,264,771 153,707 SH SOLE 0 0 153,707
VANGUARD WORLD FD FINANCIALS ETF 92204A405 561,326 4,315 SH SOLE 0 0 4,315
VANGUARD WORLD FD INF TECH ETF 92204A702 187,414,243 1,491,320 SH SOLE 0 0 1,491,320
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 316,656 1,002 SH SOLE 0 0 1,002
VANGUARD WORLD FD CONSUM STP ETF 92204A207 97,171,389 445,311 SH SOLE 0 0 445,311
VANGUARD WORLD FD ENERGY ETF 92204A306 495,656 2,879 SH SOLE 0 0 2,879
WALMART INC COM 931142103 1,608,924 15,482 SH SOLE 0 0 15,482
WEC ENERGY GROUP INC COM 92939U106 296,092 2,938 SH SOLE 0 0 2,938
WESTERN ASSET MANAGED MUNS F COM 95766M105 447,973 50,165 SH SOLE 0 0 50,165
WORKIVA INC COM CL A 98139A105 240,917 3,619 SH SOLE 0 0 3,619