| ABBVIE INC | COM | $203K | 0.0% | 970 SH | |
| AGNC INVT CORP | COM | $205K | 0.0% | 21,376 SH | |
| ALPHABET INC | CAP STK CL C | $493K | 0.1% | 3,153 SH | |
| AMAZON COM INC | COM | $738K | 0.1% | 3,878 SH | |
| ANNALY CAPITAL MANAGEMENT IN | COM NEW | $3.2M | 0.6% | 156,779 SH | |
| APPLE INC | COM | $3.1M | 0.6% | 14,173 SH | |
| AUTOMATIC DATA PROCESSING IN | COM | $355K | 0.1% | 1,160 SH | |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | $6.4M | 1.2% | 12,008 SH | |
| BLACKROCK INVT QUALITY MUN T | COM | $304K | 0.1% | 26,431 SH | |
| BLACKROCK MUN INCOME TR | SH BEN INT | $645K | 0.1% | 65,148 SH | |
| BLACKROCK MUNIHOLDINGS FD IN | COM | $2.5M | 0.5% | 210,090 SH | |
| BLACKROCK MUNIYIELD MICH QU | COM | $361K | 0.1% | 31,709 SH | |
| BLACKROCK MUNIYILD QULT FD I | COM | $277K | 0.1% | 23,685 SH | |
| CATERPILLAR INC | COM | $376K | 0.1% | 1,138 SH | |
| CHEVRON CORP NEW | COM | $376K | 0.1% | 2,245 SH | |
| COCA COLA CO | COM | $278K | 0.1% | 3,874 SH | |
| CSX CORP | COM | $356K | 0.1% | 12,111 SH | |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | $728K | 0.1% | 23,317 SH | |
| EATON VANCE MUNI INCOME TRUS | SH BEN INT | $140K | 0.0% | 13,630 SH | |
| ENERGY TRANSFER L P | COM UT LTD PTN | $934K | 0.2% | 50,260 SH | |
| FIDELITY COVINGTON TRUST | CONSMR STAPLES | $10.1M | 1.9% | 198,496 SH | |
| GRACO INC | COM | $360K | 0.1% | 4,311 SH | |
| HOME DEPOT INC | COM | $437K | 0.1% | 1,191 SH | |
| INVESCO EXCH TRADED FD TR II | S&P500 LOW VOL | $320K | 0.1% | 4,278 SH | |
| INVESCO MUNICIPAL TRUST | COM | $235K | 0.0% | 24,349 SH | |
| INVESCO QQQ TR | UNIT SER 1 | $2.6M | 0.5% | 5,574 SH | |
| INVESCO QUALITY MUN INCOME T | COM | $236K | 0.0% | 24,369 SH | |
| ISHARES TR | CORE S&P500 ETF | $284K | 0.1% | 505 SH | |
| JOHNSON & JOHNSON | COM | $651K | 0.1% | 3,924 SH | |
| JPMORGAN CHASE & CO. | COM | $489K | 0.1% | 1,995 SH | |
| MCDONALDS CORP | COM | $360K | 0.1% | 1,151 SH | |
| META PLATFORMS INC | CL A | $235K | 0.0% | 407 SH | |
| MICROSOFT CORP | COM | $303K | 0.1% | 807 SH | |
| NUVEEN AMT FREE MUN CR INC F | COM | $423K | 0.1% | 34,193 SH | |
| NUVEEN MUNICIPAL CREDIT INC | COM SH BEN INT | $1.0M | 0.2% | 82,387 SH | |
| NUVEEN QUALITY MUNCP INCOME | COM | $253K | 0.0% | 21,942 SH | |
| NVIDIA CORPORATION | COM | $977K | 0.2% | 9,013 SH | |
| NYLI MACKAY DEFINEDTERM MUNI | COM | $211K | 0.0% | 14,014 SH | |
| OTTER TAIL CORP | COM | $212K | 0.0% | 2,634 SH | |
| PIMCO NEW YORK MUN INCOME FD | COM | $118K | 0.0% | 15,745 SH | |
| PROCTER AND GAMBLE CO | COM | $595K | 0.1% | 3,489 SH | |
| PUBLIC SVC ENTERPRISE GRP IN | COM | $277K | 0.1% | 3,370 SH | |
| SCHWAB STRATEGIC TR | 1 5YR CORP BD | $2.6M | 0.5% | 104,584 SH | |
| SCHWAB STRATEGIC TR | CORE BOND ETF | $296K | 0.1% | 11,550 SH | |
| SCHWAB STRATEGIC TR | MUN BD ETF | $571K | 0.1% | 22,497 SH | |
| SCHWAB STRATEGIC TR | SHT TM US TRES | $1.6M | 0.3% | 63,714 SH | |
| SCHWAB STRATEGIC TR | US AGGREGATE B | $3.2M | 0.6% | 136,964 SH | |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | $63.8M | 12.1% | 2,963,018 SH | |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | $3.8M | 0.7% | 135,635 SH | |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | $5.4M | 1.0% | 214,171 SH | |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | $2.1M | 0.4% | 94,089 SH | |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | $2.1M | 0.4% | 81,924 SH | |
| SCHWAB STRATEGIC TR | US SML CAP ETF | $6.0M | 1.1% | 255,797 SH | |
| SPDR GOLD TR | GOLD SHS | $271K | 0.1% | 939 SH | |
| SPDR SER TR | PORTFOLI S&P1500 | $17.6M | 3.3% | 259,065 SH | |
| SPDR SER TR | S&P DIVID ETF | $243K | 0.0% | 1,791 SH | |
| SPROTT PHYSICAL SILVER TR | TR UNIT | $117K | 0.0% | 10,093 SH | |
| T ROWE PRICE ETF INC | PRICE GRW STOCK | $782K | 0.1% | 21,855 SH | |
| UNION PAC CORP | COM | $370K | 0.1% | 1,567 SH | |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | $1.0M | 0.2% | 3,079 SH | |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | $1.1M | 0.2% | 6,214 SH | |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | $745K | 0.1% | 14,939 SH | |
| VANGUARD INDEX FDS | EXTEND MKT ETF | $6.8M | 1.3% | 39,720 SH | |
| VANGUARD INDEX FDS | GROWTH ETF | $3.4M | 0.7% | 9,285 SH | |
| VANGUARD INDEX FDS | MID CAP ETF | $260K | 0.0% | 1,005 SH | |
| VANGUARD INDEX FDS | REAL ESTATE ETF | $252K | 0.0% | 2,787 SH | |
| VANGUARD INDEX FDS | S&P 500 ETF SHS | $77.7M | 14.7% | 151,113 SH | |
| VANGUARD INDEX FDS | SM CP VAL ETF | $1.0M | 0.2% | 5,444 SH | |
| VANGUARD INDEX FDS | SMALL CP ETF | $1.5M | 0.3% | 6,585 SH | |
| VANGUARD INDEX FDS | SML CP GRW ETF | $727K | 0.1% | 2,885 SH | |
| VANGUARD INDEX FDS | TOTAL STK MKT | $32.6M | 6.2% | 118,522 SH | |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | $504K | 0.1% | 8,307 SH | |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | $1.1M | 0.2% | 9,734 SH | |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | $1.1M | 0.2% | 21,598 SH | |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | $571K | 0.1% | 6,985 SH | |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | $633K | 0.1% | 8,021 SH | |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | $1.0M | 0.2% | 4,069 SH | |
| VANGUARD SCOTTSDALE FDS | VNG RUS3000IDX | $1.2M | 0.2% | 4,665 SH | |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | $22.0M | 4.2% | 113,284 SH | |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | $378K | 0.1% | 7,445 SH | |
| VANGUARD WELLINGTON FD | US MINIMUM | $1.3M | 0.2% | 9,969 SH | |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | $960K | 0.2% | 7,446 SH | |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | $12.8M | 2.4% | 154,432 SH | |
| VANGUARD WORLD FD | CONSUM STP ETF | $100.4M | 19.0% | 458,746 SH | |
| VANGUARD WORLD FD | ENERGY ETF | $540K | 0.1% | 4,164 SH | |
| VANGUARD WORLD FD | FINANCIALS ETF | $625K | 0.1% | 5,229 SH | |
| VANGUARD WORLD FD | HEALTH CAR ETF | $332K | 0.1% | 1,254 SH | |
| VANGUARD WORLD FD | INDUSTRIAL ETF | $33.3M | 6.3% | 134,487 SH | |
| VANGUARD WORLD FD | INF TECH ETF | $67.1M | 12.7% | 123,754 SH | |
| WALMART INC | COM | $1.3M | 0.2% | 15,031 SH | |
| WEC ENERGY GROUP INC | COM | $320K | 0.1% | 2,938 SH | |
| WESTERN ASSET MANAGED MUNS F | COM | $407K | 0.1% | 39,518 SH | |
| XCEL ENERGY INC | COM | $218K | 0.0% | 3,079 SH | |