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

OMB Number:		3235-0006
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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
3M CO	COM	88579Y101	295	2,161	SH		SOLE		2,147	0	14
ABBOTT LABS	COM	002824100	4,095	51,899	SH		SOLE		51,064	0	835
ABBVIE INC	COM	00287Y109	3,683	48,343	SH		SOLE		47,943	0	400
ADOBE INC	COM	00724F101	342	1,074	SH		SOLE		1,074	0	0
ALPHABET INC	CAP STK CL C	02079K107	405	348	SH		SOLE		343	0	5
ALPHABET INC	CAP STK CL A	02079K305	1,489	1,281	SH		SOLE		1,276	0	5
AMGEN INC	COM	031162100	525	2,590	SH		SOLE		2,565	0	25
APPLE INC	COM	037833100	3,728	14,659	SH		SOLE		14,609	0	50
AT&T INC	COM	00206R102	338	11,606	SH		SOLE		4,674	0	6,932
BIOGEN INC	COM	09062X103	256	810	SH		SOLE		810	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	202	3,630	SH		SOLE		751	0	2,879
CATERPILLAR INC DEL	COM	149123101	557	4,800	SH		SOLE		4,800	0	0
CHEVRON CORP NEW	COM	166764100	772	10,648	SH		SOLE		9,424	0	1,224
CISCO SYS INC	COM	17275R102	608	15,466	SH		SOLE		13,646	0	1,820
COCA COLA CO	COM	191216100	582	13,029	SH		SOLE		12,529	0	500
COSTCO WHSL CORP NEW	COM	22160K105	1,512	5,303	SH		SOLE		5,011	0	292
DANAHER CORPORATION	COM	235851102	866	6,250	SH		SOLE		6,200	0	50
DISNEY WALT CO	COM DISNEY	254687106	447	4,623	SH		SOLE		4,573	0	50
DTE ENERGY CO	COM	233331107	233	2,423	SH		SOLE		377	0	2,046
EXXON MOBIL CORP	COM	30231G102	730	19,230	SH		SOLE		10,563	0	8,667
FACEBOOK INC	CL A	30303M102	1,136	6,812	SH		SOLE		6,762	0	50
General Dynamics Corp	COM	369550108	261	1,975	SH		SOLE		1,975	0	0
General Mills Inc	COM	370334104	210	3,985	SH		SOLE		3,885	0	100
HOME DEPOT INC	COM	437076102	418	2,235	SH		SOLE		1,985	0	250
INTEL CORP	COM	458140100	953	17,615	SH		SOLE		17,515	0	100
INTERNATIONAL BUSINESS MACHS	COM	459200101	498	4,488	SH		SOLE		4,238	0	250
ISHARES	ESG US AGR BD	46435U549	241	4,346	SH		SOLE		0	0	4,346
ISHARES	1 3 YR TREAS BD	464287457	257	2,966	SH		SOLE		2,966	0	0
ISHARES	RUS 1000 GRW ETF	464287614	281	1,866	SH		SOLE		1,866	0	0
ISHARES	ESG 1 5 YR USD	46435G243	351	14,079	SH		SOLE		0	0	14,079
ISHARES	GNMA BOND ETF	46429B333	610	11,832	SH		SOLE		8,746	0	3,086
ISHARES	CORE S&P SCP ETF	464287804	733	13,078	SH		SOLE		12,928	0	150
ISHARES	RUSSELL 2000 ETF	464287655	1,472	12,861	SH		SOLE		12,786	0	75
ISHARES	CORE S&P MCP ETF	464287507	1,696	11,787	SH		SOLE		11,787	0	0
ISHARES	CORE S&P500 ETF	464287200	1,774	6,862	SH		SOLE		6,862	0	0
ISHARES	MSCI EAFE ETF	464287465	2,901	54,274	SH		SOLE		53,274	0	1,000
ISHARES TR	CORE 1 5 YR USD	46432F859	243	4,810	SH		SOLE		4,810	0	0
JOHNSON & JOHNSON	COM	478160104	1,111	8,476	SH		SOLE		8,191	0	285
JPMORGAN CHASE & CO	COM	46625H100	1,487	16,511	SH		SOLE		15,047	0	1,464
JPMorgan Ultra-Short Income ETF	EXCHANGE-TRADED	46641Q837	1,338	26,935	SH		SOLE		26,935	0	0
LEVEL ONE BANCORP INC	COM	52730D208	927	51,348	SH		SOLE		51,348	0	0
LOWES COS INC	COM	548661107	288	3,352	SH		SOLE		3,302	0	50
MARATHON OIL CORP	COM	565849106	42	12,837	SH		SOLE		12,837	0	0
MASCO CORP	COM	574599106	294	8,500	SH		SOLE		8,300	0	200
MCDONALDS CORP	COM	580135101	1,176	7,109	SH		SOLE		7,069	0	40
MERCK & CO. INC	COM	58933Y105	328	4,226	SH		SOLE		875	0	3,351
MICROCHIP TECHNOLOGY INC	COM	595017104	422	6,225	SH		SOLE		6,150	0	75
MICROSOFT CORP	COM	594918104	2,375	15,061	SH		SOLE		14,529	0	532
NIKE INC	CL B	654106103	729	8,790	SH		SOLE		8,690	0	100
NORFOLK SOUTHERN CORP	COM	655844108	300	2,055	SH		SOLE		2,030	0	25
OLD NATL BANCORP IND	COM	680033107	243	18,411	SH		SOLE		18,411	0	0
ORACLE CORP	COM	68389X105	1,046	21,635	SH		SOLE		21,520	0	115
PEPSICO INC	COM	713448108	710	5,913	SH		SOLE		5,863	0	50
PFIZER INC	COM	717081103	377	11,563	SH		SOLE		2,116	0	9,447
PIMCO Active Bond ETF	ETF	72201R775	2,674	25,187	SH		SOLE		24,742	0	445
PIMCO Enhanced Low Duration Active ETF	ETF	72201R718	3,586	36,226	SH		SOLE		35,507	0	719
PROCTER & GAMBLE CO	COM	742718109	1,516	13,786	SH		SOLE		13,456	0	330
PROGRESSIVE CORP OHIO	COM	743315103	214	2,900	SH		SOLE		2,900	0	0
SALESFORCE COM INC	COM	79466L302	890	6,180	SH		SOLE		6,130	0	50
SCHWAB 1 5 YEAR CORP BOND ETF	1 5YR CORP BD	808524714	281	5,725	SH		SOLE		5,725	0	0
SCHWAB CHARLES CORP	COM	808513105	516	15,361	SH		SOLE		15,211	0	150
Schwab Emerging Markets Equity ETF	EMRG MKTEQ ETF	808524706	1,589	76,837	SH		SOLE		76,341	0	496
Schwab International Equity ETF	INTL EQTY ETF	808524805	4,445	172,009	SH		SOLE		170,893	0	1,116
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	1,264	28,559	SH		SOLE		28,559	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,475	18,515	SH		SOLE		18,515	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	1,933	37,526	SH		SOLE		36,960	0	566
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	3,706	87,908	SH		SOLE		86,000	0	1,908
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	4,324	75,187	SH		SOLE		71,015	0	4,172
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,726	93,487	SH		SOLE		91,474	0	2,013
SPDR	MIDCAP 400 ETF TR	78467Y107	3,662	13,869	SH		SOLE		13,669	0	200
STRYKER CORP	COM	863667101	1,920	11,494	SH		SOLE		10,779	0	715
SYSCO CORP	COM	871829107	207	4,545	SH		SOLE		4,545	0	0
TESLA INC	COM	88160R101	285	544	SH		SOLE		544	0	0
TJX COS INC NEW	COM	872540109	1,212	25,352	SH		SOLE		25,212	0	140
UNION PAC CORP	COM	907818108	283	2,007	SH		SOLE		584	0	1,423
V F CORP	COM	918204108	365	6,754	SH		SOLE		6,654	0	100
Vanguard FTSE Emerging Markets ETF	FTSE EMR MKT ETF	922042858	1,007	30,040	SH		SOLE		29,460	0	580
Vanguard Short-Term Infl-Prot Secs ETF	STRM INFPROIDX	922020805	225	4,625	SH		SOLE		4,625	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	551	10,253	SH		SOLE		3,782	0	6,471
VISA INC	COM CL A	92826C839	1,646	10,215	SH		SOLE		10,140	0	75
WALGREENS BOOTS ALLIANCE INC	COM	931427108	220	4,804	SH		SOLE		4,804	0	0