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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   434,962 3,815 SH   SOLE 0 0 0 3,815
ABBVIE INC COM 00287Y109   606,755 3,072 SH   SOLE 0 0 0 3,072
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   378,154 1,070 SH   SOLE 0 0 0 1,070
ADOBE INC COM 00724F101   482,053 931 SH   SOLE 0 0 0 931
ADVANCED MICRO DEVICES INC COM 007903107   1,379,421 8,407 SH   SOLE 0 0 0 8,407
AIR PRODS & CHEMS INC COM 009158106   2,759,592 9,268 SH   SOLE 0 0 0 9,268
ALLSTATE CORP COM 020002101   771,089 4,066 SH   SOLE 0 0 0 4,066
ALPHABET INC CAP STK CL A 02079K305   2,934,771 17,695 SH   SOLE 0 0 0 17,695
ALPHABET INC CAP STK CL C 02079K107   1,626,866 9,731 SH   SOLE 0 0 0 9,731
AMAZON COM INC COM 023135106   7,198,114 38,631 SH   SOLE 0 0 0 38,631
AMERICAN CENTY ETF TR US EQT ETF 025072885   244,823 2,573 SH   SOLE 0 0 0 2,573
AMERICAN EXPRESS CO COM 025816109   1,481,064 5,461 SH   SOLE 0 0 0 5,461
AMPLIFY ETF TR CWP ENHANCED DIV 032108409   5,154,525 125,140 SH   SOLE 0 0 0 125,140
ANALOG DEVICES INC COM 032654105   1,680,714 7,302 SH   SOLE 0 0 0 7,302
APPLE INC COM 037833100   19,181,382 82,324 SH   SOLE 0 0 0 82,324
BANK AMERICA CORP COM 060505104   702,302 17,699 SH   SOLE 0 0 0 17,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,492,623 3,243 SH   SOLE 0 0 0 3,243
BEST BUY INC COM 086516101   2,027,436 19,627 SH   SOLE 0 0 0 19,627
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   12,033,754 243,254 SH   SOLE 0 0 0 243,254
BLACKROCK ETF TRUST US INDUSTRY ROTA 09290C830   8,071,458 298,736 SH   SOLE 0 0 0 298,736
BLACKROCK MUNIYIELD MICH QU COM 09254V105   435,963 36,300 SH   SOLE 0 0 0 36,300
BNY MELLON MUN BD INFRASTRUC COM SHS 09662W109   554,477 49,684 SH   SOLE 0 0 0 49,684
BOEING CO COM 097023105   362,510 2,384 SH   SOLE 0 0 0 2,384
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   3,074,318 60,950 SH   SOLE 0 0 0 60,950
BOOKING HOLDINGS INC COM 09857L108   202,192 48 SH   SOLE 0 0 0 48
BRISTOL-MYERS SQUIBB CO COM 110122108   769,384 14,870 SH   SOLE 0 0 0 14,870
BROADCOM INC COM 11135F101   7,496,419 43,458 SH   SOLE 0 0 0 43,458
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   559,912 20,761 SH   SOLE 0 0 0 20,761
CARLISLE COS INC COM 142339100   909,414 2,022 SH   SOLE 0 0 0 2,022
CATERPILLAR INC COM 149123101   392,171 1,003 SH   SOLE 0 0 0 1,003
CHEVRON CORP NEW COM 166764100   476,858 3,238 SH   SOLE 0 0 0 3,238
CHIPOTLE MEXICAN GRILL INC COM 169656105   624,370 10,836 SH   SOLE 0 0 0 10,836
CHUBB LIMITED COM H1467J104   3,333,364 11,559 SH   SOLE 0 0 0 11,559
CISCO SYS INC COM 17275R102   838,247 15,751 SH   SOLE 0 0 0 15,751
CME GROUP INC COM 12572Q105   2,749,097 12,459 SH   SOLE 0 0 0 12,459
COCA COLA CO COM 191216100   852,679 11,866 SH   SOLE 0 0 0 11,866
COMCAST CORP NEW CL A 20030N101   2,424,334 58,040 SH   SOLE 0 0 0 58,040
CONOCOPHILLIPS COM 20825C104   293,550 2,788 SH   SOLE 0 0 0 2,788
COSTCO WHSL CORP NEW COM 22160K105   1,237,822 1,396 SH   SOLE 0 0 0 1,396
DANAHER CORPORATION COM 235851102   227,711 819 SH   SOLE 0 0 0 819
DARDEN RESTAURANTS INC COM 237194105   2,251,154 13,716 SH   SOLE 0 0 0 13,716
DEERE & CO COM 244199105   325,356 780 SH   SOLE 0 0 0 780
DEVON ENERGY CORP NEW COM 25179M103   2,090,272 53,432 SH   SOLE 0 0 0 53,432
DEXCOM INC COM 252131107   328,630 4,902 SH   SOLE 0 0 0 4,902
DIAMONDBACK ENERGY INC COM 25278X109   657,150 3,812 SH   SOLE 0 0 0 3,812
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401   733,522 11,793 SH   SOLE 0 0 0 11,793
DTE ENERGY CO COM 233331107   493,546 3,844 SH   SOLE 0 0 0 3,844
EATON CORP PLC SHS G29183103   6,319,934 19,068 SH   SOLE 0 0 0 19,068
ECOLAB INC COM 278865100   354,410 1,388 SH   SOLE 0 0 0 1,388
EDWARDS LIFESCIENCES CORP COM 28176E108   649,606 9,844 SH   SOLE 0 0 0 9,844
ELI LILLY & CO COM 532457108   2,487,622 2,808 SH   SOLE 0 0 0 2,808
EXPEDITORS INTL WASH INC COM 302130109   3,281,113 24,970 SH   SOLE 0 0 0 24,970
EXXON MOBIL CORP COM 30231G102   767,828 6,550 SH   SOLE 0 0 0 6,550
FEDEX CORP COM 31428X106   203,374 743 SH   SOLE 0 0 0 743
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   3,200,280 18,340 SH   SOLE 0 0 0 18,340
FIDELITY NATL INFORMATION SV COM 31620M106   1,963,635 23,446 SH   SOLE 0 0 0 23,446
FINANCIAL INSTNS INC COM 317585404   218,204 8,567 SH   SOLE 0 0 0 8,567
FISERV INC COM 337738108   1,090,116 6,068 SH   SOLE 0 0 0 6,068
FORD MTR CO COM 345370860   134,389 12,726 SH   SOLE 0 0 0 12,726
GE AEROSPACE COM NEW 369604301   292,711 1,552 SH   SOLE 0 0 0 1,552
GOLDMAN SACHS GROUP INC COM 38141G104   331,334 669 SH   SOLE 0 0 0 669
HOME DEPOT INC COM 437076102   5,144,528 12,696 SH   SOLE 0 0 0 12,696
ILLINOIS TOOL WKS INC COM 452308109   4,863,021 18,556 SH   SOLE 0 0 0 18,556
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,209,025 7,526 SH   SOLE 0 0 0 7,526
INTERNATIONAL BUSINESS MACHS COM 459200101   315,180 1,426 SH   SOLE 0 0 0 1,426
INTUIT COM 461202103   238,488 384 SH   SOLE 0 0 0 384
INTUITIVE SURGICAL INC COM NEW 46120E602   224,510 457 SH   SOLE 0 0 0 457
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365   264,170 3,447 SH   SOLE 0 0 0 3,447
IQVIA HLDGS INC COM 46266C105   991,719 4,185 SH   SOLE 0 0 0 4,185
ISHARES INC CORE MSCI EMKT 46434G103   5,167,226 90,006 SH   SOLE 0 0 0 90,006
ISHARES INC MSCI EMRG CHN 46434G764   7,997,120 130,864 SH   SOLE 0 0 0 130,864
ISHARES TR US INFRASTRUC 46435U713   1,927,002 41,026 SH   SOLE 0 0 0 41,026
ISHARES TR IBDS DEC28 ETF 46435U515   2,573,079 100,786 SH   SOLE 0 0 0 100,786
ISHARES TR MSCI INTL VLU FT 46435G409   749,171 25,370 SH   SOLE 0 0 0 25,370
ISHARES TR IBONDS DEC2026 46435GAA0   2,558,145 105,273 SH   SOLE 0 0 0 105,273
ISHARES TR IBONDS 27 ETF 46435UAA9   2,548,218 104,564 SH   SOLE 0 0 0 104,564
ISHARES TR CORE MSCI EAFE 46432F842   1,289,446 16,521 SH   SOLE 0 0 0 16,521
ISHARES TR TRS FLT RT BD 46434V860   209,308 4,137 SH   SOLE 0 0 0 4,137
ISHARES TR HDG MSCI EAFE 46434V803   2,052,656 57,952 SH   SOLE 0 0 0 57,952
ISHARES TR CORE DIV GRWTH 46434V621   393,331 6,274 SH   SOLE 0 0 0 6,274
ISHARES TR CORE MSCI EURO 46434V738   365,002 5,991 SH   SOLE 0 0 0 5,991
ISHARES TR CORE TOTAL USD 46434V613   491,033 10,421 SH   SOLE 0 0 0 10,421
ISHARES TR IBONDS DEC25 ETF 46434VBD1   2,505,230 99,810 SH   SOLE 0 0 0 99,810
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,499,870 99,162 SH   SOLE 0 0 0 99,162
ISHARES TR IBONDS DEC 2031 46436E486   1,873,224 88,276 SH   SOLE 0 0 0 88,276
ISHARES TR IBONDS DEC 2032 46436E312   1,873,892 72,886 SH   SOLE 0 0 0 72,886
ISHARES TR IBONDS DEC 29 46436E205   1,873,539 79,691 SH   SOLE 0 0 0 79,691
ISHARES TR 0-3 MNTH TREASRY 46436E718   737,003 7,317 SH   SOLE 0 0 0 7,317
ISHARES TR IBONDS DEC 2030 46436E726   1,871,744 84,427 SH   SOLE 0 0 0 84,427
ISHARES TR IBONDS DEC 2033 46436E130   1,880,670 71,238 SH   SOLE 0 0 0 71,238
ISHARES TR MSCI USA QLT FCT 46432F339   21,258,396 118,563 SH   SOLE 0 0 0 118,563
ISHARES TR MSCI USA MIN VOL 46429B697   433,637 4,749 SH   SOLE 0 0 0 4,749
ISHARES TR MSCI ACWI ETF 464288257   1,157,145 9,679 SH   SOLE 0 0 0 9,679
ISHARES TR EAFE VALUE ETF 464288877   13,310,178 231,361 SH   SOLE 0 0 0 231,361
ISHARES TR EAFE GRWTH ETF 464288885   15,536,481 144,324 SH   SOLE 0 0 0 144,324
ISHARES TR S&P 100 ETF 464287101   1,074,331 3,882 SH   SOLE 0 0 0 3,882
ISHARES TR 20 YR TR BD ETF 464287432   203,899 2,078 SH   SOLE 0 0 0 2,078
ISHARES TR GLOBAL ENERG ETF 464287341   216,724 5,354 SH   SOLE 0 0 0 5,354
ISHARES TR U.S. TECH ETF 464287721   1,991,331 13,134 SH   SOLE 0 0 0 13,134
ISHARES TR CORE S&P MCP ETF 464287507   614,510 9,861 SH   SOLE 0 0 0 9,861
ISHARES TR CORE S&P SCP ETF 464287804   221,847 1,897 SH   SOLE 0 0 0 1,897
ISHARES TR CORE S&P500 ETF 464287200   572,191 992 SH   SOLE 0 0 0 992
ISHARES TR RUS 1000 VAL ETF 464287598   732,818 3,861 SH   SOLE 0 0 0 3,861
ISHARES TR RUS 1000 GRW ETF 464287614   353,608 942 SH   SOLE 0 0 0 942
ISHARES TR CORE S&P US GWT 464287671   222,586 1,687 SH   SOLE 0 0 0 1,687
JOHNSON & JOHNSON COM 478160104   3,963,781 24,459 SH   SOLE 0 0 0 24,459
JOHNSON CTLS INTL PLC SHS G51502105   2,066,529 26,627 SH   SOLE 0 0 0 26,627
JPMORGAN CHASE & CO. COM 46625H100   7,069,490 33,527 SH   SOLE 0 0 0 33,527
L3HARRIS TECHNOLOGIES INC COM 502431109   805,245 3,385 SH   SOLE 0 0 0 3,385
LAUDER ESTEE COS INC CL A 518439104   222,334 2,230 SH   SOLE 0 0 0 2,230
LINDE PLC SHS G54950103   238,568 500 SH   SOLE 0 0 0 500
LOWES COS INC COM 548661107   396,870 1,465 SH   SOLE 0 0 0 1,465
MARATHON PETE CORP COM 56585A102   4,810,002 29,526 SH   SOLE 0 0 0 29,526
MASTERCARD INCORPORATED CL A 57636Q104   813,403 1,647 SH   SOLE 0 0 0 1,647
MCDONALDS CORP COM 580135101   3,232,453 10,615 SH   SOLE 0 0 0 10,615
MEDTRONIC PLC SHS G5960L103   2,422,643 26,909 SH   SOLE 0 0 0 26,909
MERCK & CO INC COM 58933Y105   4,104,813 36,147 SH   SOLE 0 0 0 36,147
META PLATFORMS INC CL A 30303M102   2,871,226 5,016 SH   SOLE 0 0 0 5,016
MICRON TECHNOLOGY INC COM 595112103   254,519 2,454 SH   SOLE 0 0 0 2,454
MICROSOFT CORP COM 594918104   17,107,781 39,758 SH   SOLE 0 0 0 39,758
MONDELEZ INTL INC CL A 609207105   276,297 3,750 SH   SOLE 0 0 0 3,750
MOTOROLA SOLUTIONS INC COM NEW 620076307   6,180,322 13,745 SH   SOLE 0 0 0 13,745
NETFLIX INC COM 64110L106   787,290 1,110 SH   SOLE 0 0 0 1,110
NEXTERA ENERGY INC COM 65339F101   1,376,844 16,288 SH   SOLE 0 0 0 16,288
NOVO-NORDISK A S ADR 670100205   263,740 2,215 SH   SOLE 0 0 0 2,215
NVIDIA CORPORATION COM 67066G104   6,443,809 53,062 SH   SOLE 0 0 0 53,062
NXP SEMICONDUCTORS N V COM N6596X109   944,749 3,936 SH   SOLE 0 0 0 3,936
NYLI MACKAY DEFINEDTERM MUNI COM 56064K100   1,292,814 76,679 SH   SOLE 0 0 0 76,679
ORACLE CORP COM 68389X105   549,964 3,227 SH   SOLE 0 0 0 3,227
PEPSICO INC COM 713448108   393,868 2,316 SH   SOLE 0 0 0 2,316
PFIZER INC COM 717081103   208,423 7,202 SH   SOLE 0 0 0 7,202
PHILIP MORRIS INTL INC COM 718172109   331,023 2,727 SH   SOLE 0 0 0 2,727
PROCTER AND GAMBLE CO COM 742718109   657,361 3,795 SH   SOLE 0 0 0 3,795
PROGRESSIVE CORP COM 743315103   271,045 1,068 SH   SOLE 0 0 0 1,068
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,169,580 13,110 SH   SOLE 0 0 0 13,110
QUANTUM SI INC COM CL A 74765K105   15,972 18,105 SH   SOLE 0 0 0 18,105
RAYMOND JAMES FINL INC COM 754730109   409,177 3,341 SH   SOLE 0 0 0 3,341
REALTY INCOME CORP COM 756109104   208,699 3,291 SH   SOLE 0 0 0 3,291
RTX CORPORATION COM 75513E101   229,362 1,893 SH   SOLE 0 0 0 1,893
S&P GLOBAL INC COM 78409V104   1,008,238 1,952 SH   SOLE 0 0 0 1,952
SALESFORCE INC COM 79466L302   1,544,975 5,645 SH   SOLE 0 0 0 5,645
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   906,481 10,724 SH   SOLE 0 0 0 10,724
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   719,852 6,910 SH   SOLE 0 0 0 6,910
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   751,130 16,574 SH   SOLE 0 0 0 16,574
SELECT SECTOR SPDR TR INDL 81369Y704   326,731 2,412 SH   SOLE 0 0 0 2,412
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   5,739,698 25,424 SH   SOLE 0 0 0 25,424
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   874,787 5,680 SH   SOLE 0 0 0 5,680
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   543,297 2,711 SH   SOLE 0 0 0 2,711
SERVICENOW INC COM 81762P102   460,611 515 SH   SOLE 0 0 0 515
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   887,299 2,097 SH   SOLE 0 0 0 2,097
SPDR S&P 500 ETF TR TR UNIT 78462F103   517,741 902 SH   SOLE 0 0 0 902
SPDR SER TR PRTFLO S&P500 GW 78464A409   11,232,097 135,424 SH   SOLE 0 0 0 135,424
SPDR SER TR PORTFOLIO S&P500 78464A854   8,072,671 119,577 SH   SOLE 0 0 0 119,577
SPDR SER TR PRTFLO S&P500 VL 78464A508   4,457,732 84,331 SH   SOLE 0 0 0 84,331
STARBUCKS CORP COM 855244109   666,542 6,837 SH   SOLE 0 0 0 6,837
STERIS PLC SHS USD G8473T100   786,766 3,244 SH   SOLE 0 0 0 3,244
STRYKER CORPORATION COM 863667101   552,930 1,531 SH   SOLE 0 0 0 1,531
TARGET CORP COM 87612E106   442,673 2,840 SH   SOLE 0 0 0 2,840
TESLA INC COM 88160R101   736,750 2,816 SH   SOLE 0 0 0 2,816
THERMO FISHER SCIENTIFIC INC COM 883556102   322,914 522 SH   SOLE 0 0 0 522
TJX COS INC NEW COM 872540109   1,012,588 8,615 SH   SOLE 0 0 0 8,615
TRANE TECHNOLOGIES PLC SHS G8994E103   2,079,025 5,348 SH   SOLE 0 0 0 5,348
TRANSDIGM GROUP INC COM 893641100   204,080 143 SH   SOLE 0 0 0 143
UNION PAC CORP COM 907818108   1,857,459 7,536 SH   SOLE 0 0 0 7,536
UNITED PARCEL SERVICE INC CL B 911312106   341,614 2,506 SH   SOLE 0 0 0 2,506
UNITEDHEALTH GROUP INC COM 91324P102   3,188,442 5,453 SH   SOLE 0 0 0 5,453
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   463,689 879 SH   SOLE 0 0 0 879
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   203,574 1,214 SH   SOLE 0 0 0 1,214
VANGUARD INDEX FDS TOTAL STK MKT 922908769   205,291 725 SH   SOLE 0 0 0 725
VANGUARD INDEX FDS VALUE ETF 922908744   263,950 1,512 SH   SOLE 0 0 0 1,512
VANGUARD INDEX FDS SMALL CP ETF 922908751   252,925 1,066 SH   SOLE 0 0 0 1,066
VANGUARD INDEX FDS GROWTH ETF 922908736   1,714,462 4,466 SH   SOLE 0 0 0 4,466
VANGUARD WORLD FD INF TECH ETF 92204A702   246,716 421 SH   SOLE 0 0 0 421
VERIZON COMMUNICATIONS INC COM 92343V104   2,026,355 45,120 SH   SOLE 0 0 0 45,120
VISA INC COM CL A 92826C839   2,217,690 8,066 SH   SOLE 0 0 0 8,066
WALMART INC COM 931142103   5,876,106 72,769 SH   SOLE 0 0 0 72,769
WELLS FARGO CO NEW COM 949746101   214,140 3,791 SH   SOLE 0 0 0 3,791
WESTERN ASSET MANAGED MUNS F COM 95766M105   285,554 26,343 SH   SOLE 0 0 0 26,343
WISDOMTREE TR US LARGECAP DIVD 97717W307   263,732 3,357 SH   SOLE 0 0 0 3,357