Arbor Trust Wealth Advisors 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
Abbott Laboratories	Common Stock	002824100	4,524	52,082	SH		SOLE		51,247	0	835
AbbVie Inc	Common Stock	00287Y109	4,267	48,188	SH		SOLE		47,788	0	400
Adobe Systems Inc	Common Stock	00724F101	305	924	SH		SOLE		924	0	0
Alphabet Inc A	Common Stock	02079K305	1,737	1,297	SH		SOLE		1,292	0	5
Alphabet Inc C	Common Stock	02079K107	480	359	SH		SOLE		354	0	5
Amazon.com Inc	Common Stock	023135106	209	113	SH		SOLE		113	0	0
Amgen Inc	Common Stock	031162100	650	2,695	SH		SOLE		2,670	0	25
Apple Inc	Common Stock	037833100	4,398	14,976	SH		SOLE		14,926	0	50
AT&T Inc	Common Stock	00206R102	459	11,747	SH		SOLE		4,815	0	6,932
Berkshire Hathaway Inc B	Common Stock	084670702	421	1,857	SH		SOLE		832	0	1,000
Biogen Inc	Common Stock	09062X103	240	810	SH		SOLE		810	0	0
Bristol-Myers Squibb Company	Common Stock	110122108	236	3,680	SH		SOLE		801	0	2,879
Caterpillar Inc	Common Stock	149123101	868	5,876	SH		SOLE		5,876	0	0
Charles Schwab Corp	Common Stock	808513105	821	17,264	SH		SOLE		17,114	0	150
Chevron Corp	Common Stock	166764100	1,284	10,651	SH		SOLE		9,427	0	1,224
Chubb Ltd	Common Stock	H1467J104	206	1,315	SH		SOLE		1,315	0	0
Cisco Systems Inc	Common Stock	17275R102	713	14,864	SH		SOLE		13,044	0	1,820
Coca-Cola Co	Common Stock	191216100	744	13,434	SH		SOLE		12,934	0	500
ConocoPhillips	Common Stock	20825C104	324	4,980	SH		SOLE		4,025	0	955
Costco Wholesale Corp	Common Stock	22160K105	1,595	5,425	SH		SOLE		5,133	0	292
Danaher Corp	Common Stock	235851102	983	6,400	SH		SOLE		6,350	0	50
Deere & Co	Common Stock	244199105	373	2,146	SH		SOLE		2,096	0	50
DTE Energy Co	Common Stock	233331107	422	3,228	SH		SOLE		1,182	0	2,046
Exxon Mobil Corp	Common Stock	30231G102	1,357	19,440	SH		SOLE		10,773	0	8,667
Facebook Inc A	Common Stock	30303M102	1,403	6,838	SH		SOLE		6,788	0	50
General Dynamics Corp	Common Stock	369550108	351	1,991	SH		SOLE		1,991	0	0
Intel Corp	Common Stock	458140100	1,075	17,960	SH		SOLE		17,860	0	100
International Business Machines Corp	Common Stock	459200101	598	4,458	SH		SOLE		4,208	0	250
iShares Core S&P 500	Exchange Traded Fund	464287200	2,192	6,782	SH		SOLE		6,782	0	0
iShares Core S&P Mid-Cap	Exchange Traded Fund	464287507	2,484	12,070	SH		SOLE		12,070	0	0
iShares Core S&P Small-Cap	Exchange Traded Fund	464287804	1,098	13,094	SH		SOLE		12,944	0	150
iShares ESG 1-5 Year USD Corp Bd ETF	Exchange Traded Fund	46435G243	258	10,163	SH		SOLE		0	0	10,163
iShares GNMA Bond ETF	Exchange Traded Fund	46429B333	495	9,859	SH		SOLE		6,773	0	3,086
iShares MSCI EAFE	Exchange Traded Fund	464287465	4,103	59,090	SH		SOLE		58,090	0	1,000
iShares Russell 1000 Growth	Exchange Traded Fund	464287614	328	1,866	SH		SOLE		1,866	0	0
iShares Russell 1000 Value	Exchange Traded Fund	464287598	266	1,950	SH		SOLE		1,950	0	0
iShares Russell 2000	Exchange Traded Fund	464287655	2,158	13,024	SH		SOLE		12,949	0	75
Johnson & Johnson	Common Stock	478160104	1,333	9,140	SH		SOLE		8,055	0	285
JPMorgan Chase & Co	Common Stock	46625H100	2,313	16,593	SH		SOLE		15,129	0	1,464
JPMorgan Ultra-Short Income ETF	Exchange Traded Fund	46641Q837	708	14,000	SH		SOLE		14,000	0	0
Level One Bancorp Inc	Common Stock	52730D208	1,293	51,311	SH		SOLE		51,311	0	0
Lowe's Companies Inc	Common Stock	548661107	401	3,350	SH		SOLE		3,300	0	50
Masco Corp	Common Stock	574599106	409	8,525	SH		SOLE		8,325	0	200
McDonald's Corp	Common Stock	580135101	1,403	7,099	SH		SOLE		7,059	0	40
Merck & Co Inc	Common Stock	58933Y105	387	4,226	SH		SOLE		875	0	3,351
Microchip Technology Inc	Common Stock	595017104	674	6,433	SH		SOLE		6,358	0	75
Microsoft Corp	Common Stock	594918104	2,391	15,161	SH		SOLE		14,629	0	532
Nike Inc B	Common Stock	654106103	908	8,939	SH		SOLE		8,839	0	100
Norfolk Southern Corp	Common Stock	655844108	401	2,066	SH		SOLE		2,041	0	25
Old National Bancorp	Common Stock	680033107	344	18,830	SH		SOLE		18,830	0	0
Oracle Corp	Common Stock	68389X105	1,161	21,912	SH		SOLE		21,797	0	115
PepsiCo Inc	Common Stock	713448108	820	5,955	SH		SOLE		5,905	0	50
Pfizer Inc	Common Stock	717081103	453	11,563	SH		SOLE		2,116	0	9,447
PIMCO Active Bond ETF	Exchange Traded Fund	72201R775	2,586	23,918	SH		SOLE		23,473	0	445
PIMCO Enhanced Low Duration Active ETF	Exchange Traded Fund	72201R718	3,404	33,999	SH		SOLE		33,267	0	732
Procter & Gamble Co	Common Stock	742718109	1,716	13,742	SH		SOLE		13,412	0	330
Progressive Corp	Common Stock	743315103	210	2,900	SH		SOLE		2,900	0	0
Salesforce.com Inc	Common Stock	79466L302	1,010	6,208	SH		SOLE		6,158	0	50
Schwab Emerging Markets Equity ETF	Exchange Traded Fund	808524706	2,135	78,015	SH		SOLE		77,405	0	560
Schwab International Equity ETF	Exchange Traded Fund	808524805	5,802	172,525	SH		SOLE		171,259	0	1,116
Schwab US Large-Cap ETF	Exchange Traded Fund	808524201	7,154	93,141	SH		SOLE		90,878	0	2,013
Schwab US Large-Cap Growth ETF	Exchange Traded Fund	808524300	1,579	16,990	SH		SOLE		16,990	0	0
Schwab US Large-Cap Value ETF	Exchange Traded Fund	808524409	1,502	24,990	SH		SOLE		24,990	0	0
Schwab US Mid-Cap ETF	Exchange Traded Fund	808524508	5,106	84,886	SH		SOLE		82,778	0	1,908
Schwab US Small-Cap ETF	Exchange Traded Fund	808524607	2,847	37,644	SH		SOLE		37,078	0	566
Schwab US TIPS ETF	Exchange Traded Fund	808524870	4,028	71,121	SH		SOLE		68,134	0	2,987
Southern Co	Common Stock	842587107	229	3,593	SH		SOLE		454	0	3,139
SPDR S&P MidCap 400 ETF	Exchange Traded Fund	78467Y107	5,277	14,003	SH		SOLE		13,803	0	200
Stryker Corp	Common Stock	863667101	2,419	11,492	SH		SOLE		10,777	0	715
Sysco Corp	Common Stock	871829107	391	4,570	SH		SOLE		4,570	0	0
Tesla Motors Inc	Common Stock	88160R101	232	554	SH		SOLE		554	0	0
The Home Depot Inc	Common Stock	437076102	488	2,233	SH		SOLE		1,983	0	250
TJX Companies Inc	Common Stock	872540109	1,585	25,966	SH		SOLE		25,826	0	140
Union Pacific Corp	Common Stock	907818108	375	2,075	SH		SOLE		652	0	1,423
United Technologies Corp	Common Stock	913017109	891	5,951	SH		SOLE		5,906	0	45
Vanguard FTSE Emerging Markets ETF	Exchange Traded Fund	922042858	1,320	29,673	SH		SOLE		29,093	0	580
Vanguard FTSE Europe ETF	Exchange Traded Fund	922042874	261	4,446	SH		SOLE		4,446	0	0
Vanguard Short-Term Infl-Prot Secs ETF	Exchange Traded Fund	922020805	228	4,625	SH		SOLE		4,625	0	0
Verizon Communications Inc	Common Stock	92343V104	632	10,299	SH		SOLE		3,828	0	6,471
VF Corp	Common Stock	918204108	678	6,806	SH		SOLE		6,706	0	100
Visa Inc Class A	Common Stock	92826C839	1,947	10,361	SH		SOLE		10,286	0	75
Walgreen Boots Alliance Inc Com	Common Stock	931427108	293	4,978	SH		SOLE		4,978	0	0
Walt Disney Co	Common Stock	254687106	656	4,508	SH		SOLE		4,458	0	50