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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 6,927 49,217 SH   SOLE   48,422 0 795
AMAZON COM INC COM 023135106 464 139 SH   SOLE   139 0 0
AMGEN INC COM 031162100 489 2,175 SH   SOLE   2,175 0 0
APPLE INC COM 037833100 8,317 46,837 SH   SOLE   46,737 0 100
APPLIED MATLS INC COM 038222105 384 2,440 SH   SOLE   2,440 0 0
BK OF AMERICA CORP COM 060505104 337 7,585 SH   SOLE   7,585 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 255 852 SH   SOLE   852 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 225 3,605 SH   SOLE   726 0 2,879
CVS HEALTH CORP COM 126650100 423 4,099 SH   SOLE   4,009 0 90
CATERPILLAR INC COM 149123101 1,155 5,585 SH   SOLE   5,585 0 0
CHEVRON CORP NEW COM 166764100 1,517 12,925 SH   SOLE   11,691 0 1,234
COCA COLA CO COM 191216100 769 12,980 SH   SOLE   12,480 0 500
DBX ETF TR XTRACK USD HIGH 233051432 717 17,994 SH   SOLE   17,951 0 43
DTE ENERGY CO COM 233331107 274 2,278 SH   SOLE   232 0 2,046
DANAHER CORPORATION COM 235851102 1,806 5,485 SH   SOLE   5,485 0 0
DEERE & CO COM 244199105 355 1,031 SH   SOLE   1,001 0 30
DISNEY WALT CO COM 254687106 709 4,579 SH   SOLE   4,579 0 0
FORD MTR CO DEL COM 345370860 241 11,606 SH   SOLE   11,606 0 0
GENERAL DYNAMICS CORP COM 369550108 474 2,275 SH   SOLE   2,275 0 0
GENERAL MLS INC COM 370334104 218 3,235 SH   SOLE   3,235 0 0
HOME DEPOT INC COM 437076102 657 1,583 SH   SOLE   1,333 0 250
INTEL CORP COM 458140100 692 13,430 SH   SOLE   13,340 0 90
INTERNATIONAL BUSINESS MACHS COM 459200101 645 4,829 SH   SOLE   4,579 0 250
ISHARES TR CORE S&P500 ETF 464287200 2,880 6,038 SH   SOLE   6,038 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 230 4,705 SH   SOLE   4,705 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 301 3,596 SH   SOLE   3,596 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 254 2,966 SH   SOLE   2,966 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,534 57,502 SH   SOLE   56,852 0 650
ISHARES TR CORE S&P MCP ETF 464287507 3,132 11,065 SH   SOLE   11,065 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 367 1,200 SH   SOLE   1,200 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,907 13,068 SH   SOLE   13,018 0 50
ISHARES TR CORE S&P SCP ETF 464287804 1,502 13,113 SH   SOLE   13,013 0 100
JOHNSON & JOHNSON COM 478160104 1,474 8,614 SH   SOLE   8,334 0 280
LILLY ELI & CO COM 532457108 389 1,407 SH   SOLE   1,407 0 0
LOWES COS INC COM 548661107 882 3,411 SH   SOLE   3,376 0 35
MARATHON OIL CORP COM 565849106 484 29,452 SH   SOLE   29,452 0 0
MASCO CORP COM 574599106 736 10,475 SH   SOLE   10,475 0 0
MCDONALDS CORP COM 580135101 2,000 7,460 SH   SOLE   7,425 0 35
MICROSOFT CORP COM 594918104 4,857 14,441 SH   SOLE   13,879 0 562
MICROCHIP TECHNOLOGY INC. COM 595017104 898 10,310 SH   SOLE   10,220 0 90
NIKE INC CL B 654106103 1,368 8,206 SH   SOLE   8,156 0 50
NORFOLK SOUTHN CORP COM 655844108 544 1,827 SH   SOLE   1,827 0 0
OLD NATL BANCORP IND COM 680033107 229 12,615 SH   SOLE   12,615 0 0
PEPSICO INC COM 713448108 1,108 6,338 SH   SOLE   6,293 0 45
PFIZER INC COM 717081103 746 12,634 SH   SOLE   3,187 0 9,447
PROCTER AND GAMBLE CO COM 742718109 2,195 13,417 SH   SOLE   13,092 0 325
SCHWAB CHARLES CORP COM 808513105 1,040 12,366 SH   SOLE   12,266 0 100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,762 59,402 SH   SOLE   58,315 0 1,087
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,052 30,842 SH   SOLE   30,622 0 220
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 5,114 69,843 SH   SOLE   69,303 0 540
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 9,288 115,337 SH   SOLE   113,417 0 1,920
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,778 46,662 SH   SOLE   46,065 0 597
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,123 105,378 SH   SOLE   104,882 0 496
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 244 4,825 SH   SOLE   4,825 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,494 218,252 SH   SOLE   217,215 0 1,037
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,191 82,546 SH   SOLE   78,525 0 4,021
SOUTHERN CO COM 842587107 245 3,576 SH   SOLE   437 0 3,139
STARBUCKS CORP COM 855244109 303 2,587 SH   SOLE   2,587 0 0
STRYKER CORPORATION COM 863667101 3,218 12,000 SH   SOLE   11,290 0 710
SYSCO CORP COM 871829107 550 7,000 SH   SOLE   7,000 0 0
TJX COS INC NEW COM 872540109 1,838 24,212 SH   SOLE   24,112 0 100
THERMO FISHER SCIENTIFIC INC COM 883556102 257 385 SH   SOLE   385 0 0
UNION PAC CORP COM 907818108 442 1,753 SH   SOLE   330 0 1,423
V F CORP COM 918204108 495 6,755 SH   SOLE   6,755 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,563 31,595 SH   SOLE   31,115 0 480
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 254 3,725 SH   SOLE   3,725 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 963 5,386 SH   SOLE   5,386 0 0
Invesco QQQ Trust UNIT SER 1 46090E903 311 781 SH   SOLE   781 0 0
Edwards Lifesciences Corp COM 28176E108 330 2,550 SH   SOLE   2,550 0 0
AT&T INC COM 00206R102 240 9,772 SH   SOLE   2,840 0 6,932
ABBVIE INC COM 00287Y109 6,222 45,952 SH   SOLE   45,552 0 400
ADOBE SYSTEMS INCORPORATED COM 00724F101 467 824 SH   SOLE   824 0 0
ALPHABET INC CAP STK CL C 02079K107 775 268 SH   SOLE   268 0 0
ALPHABET INC CAP STK CL A 02079K305 3,581 1,236 SH   SOLE   1,231 0 5
BLACKROCK INC COM 09247X101 472 515 SH   SOLE   515 0 0
CISCO SYS INC COM 17275R102 814 12,848 SH   SOLE   11,028 0 1,820
CONOCOPHILLIPS COM 20825C104 273 3,775 SH   SOLE   2,820 0 955
COSTCO WHSL CORP NEW COM 22160K105 3,030 5,337 SH   SOLE   5,055 0 282
EXELON CORP COM 30161N101 225 3,892 SH   SOLE   3,802 0 90
EXXON MOBIL CORP COM 30231G102 1,027 16,783 SH   SOLE   8,166 0 8,617
META PLATFORMS INC CL A 30303M102 1,924 5,720 SH   SOLE   5,690 0 30
FEDEX CORP COM 31428X106 285 1,100 SH   SOLE   1,080 0 20
ISHARES TR GNMA BOND ETF 46429B333 1,551 31,189 SH   SOLE   27,942 0 3,247
ISHARES TR CORE 1 5 YR USD 46432F859 243 4,810 SH   SOLE   4,810 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 416 16,199 SH   SOLE   770 0 15,429
ISHARES TR ESG AWR US AGRGT 46435U549 240 4,346 SH   SOLE   0 0 4,346
JPMORGAN CHASE & CO COM 46625H100 2,789 17,611 SH   SOLE   16,172 0 1,439
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,539 30,465 SH   SOLE   30,465 0 0
LEVEL ONE BANCORP INC COM 52730D208 1,768 44,768 SH   SOLE   44,768 0 0
MERCK & CO INC COM 58933Y105 388 5,011 SH   SOLE   1,660 0 3,351
ORACLE CORP COM 68389X105 1,743 19,990 SH   SOLE   19,915 0 75
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 1,381 13,718 SH   SOLE   13,428 0 290
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,345 30,507 SH   SOLE   30,375 0 132
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,605 14,649 SH   SOLE   14,499 0 150
SALESFORCE COM INC COM 79466L302 1,521 5,985 SH   SOLE   5,950 0 35
TESLA INC COM 88160R101 884 836 SH   SOLE   836 0 0
3M CO COM 88579Y101 832 4,686 SH   SOLE   4,647 0 39
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,976 36,623 SH   SOLE   36,492 0 131
VERIZON COMMUNICATIONS INC COM 92343V104 504 9,696 SH   SOLE   3,225 0 6,471
VISA INC COM CL A 92826C839 2,307 10,645 SH   SOLE   10,595 0 50
CHUBB LIMITED COM H1467J104 207 1,065 SH   SOLE   1,065 0 0