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
AT&T Inc	COM	00206R102	293	10,272	SH		SOLE		3,340	0	6,932
Abbott Laboratories	COM	002824100	5,510	50,630	SH		SOLE		49,795	0	835
AbbVie Inc	COM	00287Y109	3,998	45,642	SH		SOLE		45,242	0	400
Adobe Systems Inc	COM	00724F101	471	961	SH		SOLE		961	0	0
Alphabet Inc C	CAP STK CL C	02079K107	495	337	SH		SOLE		332	0	5
Alphabet Inc A	CAP STK CL A	02079K305	1,882	1,284	SH		SOLE		1,279	0	5
Amazon.com Inc	COM	023135106	359	114	SH		SOLE		114	0	0
Amgen Inc	COM	031162100	611	2,405	SH		SOLE		2,380	0	25
Apple Inc	COM	037833100	6,138	53,000	SH		SOLE		52,800	0	200
Biogen Inc	COM	09062X103	207	730	SH		SOLE		730	0	0
Bristol-Myers Squibb Company	COM	110122108	219	3,630	SH		SOLE		751	0	2,879
Caterpillar Inc	COM	149123101	671	4,500	SH		SOLE		4,500	0	0
Chevron Corp	COM	166764100	817	11,343	SH		SOLE		10,119	0	1,224
Cisco Systems Inc	COM	17275R102	553	14,051	SH		SOLE		12,231	0	1,820
Coca-Cola Co	COM	191216100	657	13,208	SH		SOLE		12,708	0	500
Costco Wholesale Corp	COM	22160K105	1,811	5,101	SH		SOLE		4,809	0	292
DTE Energy Co	COM	233331107	270	2,323	SH		SOLE		277	0	2,046
Danaher Corp	COM	235851102	1,261	5,853	SH		SOLE		5,803	0	50
Deere & Co	COM	244199105	211	951	SH		SOLE		901	0	50
Walt Disney Co	COM DISNEY	254687106	539	4,348	SH		SOLE		4,298	0	50
Edwards Lifesciences Corp	COM	28176E108	204	2,550	SH		SOLE		2,550	0	0
Exxon Mobil Corp	COM	30231G102	625	18,193	SH		SOLE		9,526	0	8,667
Facebook Inc A	CL A	30303M102	1,747	6,672	SH		SOLE		6,622	0	50
General Dynamics Corp	COM	369550108	273	1,975	SH		SOLE		1,975	0	0
General Mills Inc	COM	370334104	246	3,985	SH		SOLE		3,885	0	100
The Home Depot Inc	COM	437076102	440	1,585	SH		SOLE		1,335	0	250
Intel Corp	COM	458140100	916	17,690	SH		SOLE		17,590	0	100
International Business Machines Corp	COM	459200101	606	4,983	SH		SOLE		4,733	0	250
Invesco QQQ Trust	UNIT SER 1	46090E103	219	786	SH		SOLE		786	0	0
iShares Core S&P 500	ETF	464287200	2,117	6,299	SH		SOLE		6,299	0	0
iShares S&P 500 Growth	ETF	464287309	206	893	SH		SOLE		893	0	0
iShares 1-3 Year Treasury Bond	ETF	464287457	257	2,966	SH		SOLE		2,966	0	0
iShares MSCI EAFE	ETF	464287465	3,392	53,296	SH		SOLE		52,296	0	1,000
iShares Core S&P Mid-Cap	ETF	464287507	2,059	11,112	SH		SOLE		11,112	0	0
iShares Russell 1000 Value	ETF	464287598	219	1,850	SH		SOLE		1,850	0	0
iShares Russell 1000 Growth	ETF	464287614	399	1,838	SH		SOLE		1,838	0	0
iShares Russell 2000	ETF	464287655	1,950	13,016	SH		SOLE		12,941	0	75
iShares Core S&P Small-Cap	ETF	464287804	870	12,393	SH		SOLE		12,243	0	150
iShares GNMA Bond ETF	ETF	46429B333	1,319	25,807	SH		SOLE		22,706	0	3,101
iShares Core 1-5 Year USD Bond ETF	ETF	46432F859	248	4,810	SH		SOLE		4,810	0	0
iShares ESG 1-5 Year USD Corp Bd ETF	ETF	46435G243	423	16,199	SH		SOLE		770	0	15,429
iShares ESG U.S. Aggregate Bond ETF	ETF	46435U549	245	4,346	SH		SOLE		0	0	4,346
JPMorgan Chase & Co	COM	46625H100	1,597	16,586	SH		SOLE		15,122	0	1,464
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	1,737	34,187	SH		SOLE		34,187	0	0
Johnson & Johnson	COM	478160104	1,221	8,201	SH		SOLE		7,916	0	285
Level One Bancorp Inc	COM	52730D208	804	51,348	SH		SOLE		51,348	0	0
Eli Lilly and Co	COM	532457108	223	1,507	SH		SOLE		1,507	0	0
Lowe's Companies Inc	COM	548661107	502	3,027	SH		SOLE		2,977	0	50
Marathon Oil Corp	COM	565849106	65	15,987	SH		SOLE		15,987	0	0
Masco Corp	COM	574599106	466	8,450	SH		SOLE		8,450	0	0
McDonald's Corp	COM	580135101	1,557	7,095	SH		SOLE		7,055	0	40
Merck & Co Inc	COM	58933Y105	435	5,201	SH		SOLE		1,850	0	3,351
Microsoft Corp	COM	594918104	3,077	14,631	SH		SOLE		14,064	0	567
Microchip Technology Inc	COM	595017104	560	5,450	SH		SOLE		5,375	0	75
Nike Inc B	CL B	654106103	1,052	8,365	SH		SOLE		8,265	0	100
Norfolk Southern Corp	COM	655844108	387	1,810	SH		SOLE		1,785	0	25
Old National Bancorp	COM	680033107	210	16,711	SH		SOLE		16,711	0	0
Oracle Corp	COM	68389X105	1,250	20,935	SH		SOLE		20,820	0	115
PepsiCo Inc	COM	713448108	781	5,638	SH		SOLE		5,588	0	50
Pfizer Inc	COM	717081103	415	11,309	SH		SOLE		1,862	0	9,447
PIMCO Enhanced Low Duration Active ETF	ETF	72201R718	3,436	33,625	SH		SOLE		33,316	0	309
PIMCO Active Bond ETF	ETF	72201R775	2,690	23,928	SH		SOLE		23,869	0	59
Procter & Gamble Co	COM	742718109	1,857	13,362	SH		SOLE		13,032	0	330
Progressive Corp	COM	743315103	270	2,850	SH		SOLE		2,850	0	0
SPDR S&P MidCap 400 ETF	ETF	78467Y107	4,669	13,739	SH		SOLE		13,539	0	200
Salesforce.com Inc	COM	79466L302	1,425	5,670	SH		SOLE		5,620	0	50
Charles Schwab Corp	COM	808513105	465	12,841	SH		SOLE		12,691	0	150
Schwab US Large-Cap ETF	ETF	808524201	7,727	95,830	SH		SOLE		94,751	0	1,079
Schwab US Large-Cap Growth ETF	ETF	808524300	2,167	18,819	SH		SOLE		18,819	0	0
Schwab US Large-Cap Value ETF	ETF	808524409	1,587	30,400	SH		SOLE		30,400	0	0
Schwab US Mid-Cap ETF	ETF	808524508	5,071	91,405	SH		SOLE		89,845	0	1,560
Schwab US Small-Cap ETF	ETF	808524607	2,628	38,462	SH		SOLE		38,005	0	457
Schwab Emerging Markets Equity ETF	ETF	808524706	2,193	81,945	SH		SOLE		81,699	0	246
Schwab 1-5 Year Corporate Bond ETF	ETF	808524714	288	5,600	SH		SOLE		5,600	0	0
Schwab International Equity ETF	ETF	808524805	5,866	186,810	SH		SOLE		186,262	0	548
Schwab US TIPS ETF	ETF	808524870	4,494	72,913	SH		SOLE		68,972	0	3,941
Stryker Corp	COM	863667101	2,427	11,615	SH		SOLE		10,900	0	715
Sysco Corp	COM	871829107	255	4,100	SH		SOLE		4,100	0	0
TJX Companies Inc	COM	872540109	1,327	23,842	SH		SOLE		23,702	0	140
Tesla Motors Inc	COM	88160R101	1,199	2,795	SH		SOLE		2,795	0	0
Thermo Fisher Scientific Inc	COM	883556102	148	335	SH		SOLE		335	0	0
3M Co	COM	88579Y101	723	4,516	SH		SOLE		4,472	0	44
Union Pacific Corp	COM	907818108	355	1,803	SH		SOLE		380	0	1,423