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
Expires:	Oct 31, 2018
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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 LABS	COM	002824100	5,994	50,007	SH		SOLE		49,197	0	810
AMAZON COM INC	COM	023135106	407	132	SH		SOLE		132	0	0
AMGEN INC	COM	031162100	559	2,270	SH		SOLE		2,250	0	20
APPLE INC	COM	037833100	6,125	50,145	SH		SOLE		50,010	0	135
BK OF AMERICA CORP	COM	060505104	272	7,060	SH		SOLE		7,060	0	0
BERKSHIRE HATHAWAY INC	COM	084670702	219	852	SH		SOLE		852	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	228	3,605	SH		SOLE		726	0	2,879
CVS HEALTH CORP	COM	126650100	327	4,310	SH		SOLE		4,220	0	90
CATERPILLAR INC	COM	149123101	1,252	5,410	SH		SOLE		5,410	0	0
CHEVRON CORP NEW	COM	166764100	1,360	12,975	SH		SOLE		11,741	0	1,234
COCA COLA CO	COM	191216100	677	12,780	SH		SOLE		12,280	0	500
Xtrackers USD High Yield Corp Bd ETF	ETF	233051432	205	4,302	SH		SOLE		4,267	0	35
DTE Energy Co	COM	233331107	309	2,298	SH		SOLE		252	0	2,046
DANAHER CORPORATION	COM	235851102	1,248	5,533	SH		SOLE		5,513	0	20
DEERE & CO	COM	244199105	338	896	SH		SOLE		851	0	45
DISNEY WALT CO	COM	254687106	805	4,357	SH		SOLE		4,357	0	0
FORD MTR CO DEL	COM	345370860	182	14,894	SH		SOLE		14,894	0	0
GENERAL DYNAMICS CORP	COM	369550108	358	1,975	SH		SOLE		1,975	0	0
HOME DEPOT INC	COM	437076102	459	1,509	SH		SOLE		1,259	0	250
INTEL CORP	COM	458140100	1,145	17,880	SH		SOLE		17,790	0	90
INTERNATIONAL BUSINESS MACHS	COM	459200101	643	4,851	SH		SOLE		4,601	0	250
iShares Core S&P 500	ETF	464287200	2,457	6,179	SH		SOLE		6,179	0	0
iShares MSCI Emerging Markets	ETF	464287234	234	4,380	SH		SOLE		4,380	0	0
iShares S&P 500 Growth	ETF	464287309	233	3,578	SH		SOLE		3,578	0	0
iShares 1-3 Year Treasury Bond	ETF	464287457	256	2,966	SH		SOLE		2,966	0	0
iShares MSCI EAFE	ETF	464287465	4,347	57,326	SH		SOLE		56,516	0	810
iShares Core S&P Mid-Cap	ETF	464287507	2,920	11,215	SH		SOLE		11,215	0	0
iShares Russell 1000 Value	ETF	464287598	281	1,850	SH		SOLE		1,850	0	0
iShares Russell 1000 Growth	ETF	464287614	447	1,838	SH		SOLE		1,838	0	0
iShares Russell 2000	ETF	464287655	2,912	13,183	SH		SOLE		13,118	0	65
iShares Core S&P Small-Cap	ETF	464287804	1,382	12,728	SH		SOLE		12,618	0	110
JOHNSON & JOHNSON	COM	478160104	1,398	8,566	SH		SOLE		8,286	0	280
LILLY ELI & CO	COM	532457108	282	1,507	SH		SOLE		1,507	0	0
LOWES COS INC	COM	548661107	649	3,398	SH		SOLE		3,353	0	45
MARATHON OIL CORP	COM	565849106	286	26,802	SH		SOLE		26,802	0	0
Masco Corp	COM	574599106	580	9,675	SH		SOLE		9,675	0	0
MCDONALDS CORP	COM	580135101	1,624	7,250	SH		SOLE		7,215	0	35
MICROSOFT CORP	COM	594918104	3,385	14,338	SH		SOLE		13,776	0	562
Microchip Technology Inc	COM	595017104	828	5,310	SH		SOLE		5,265	0	45
NIKE INC	COM	654106103	1,107	8,316	SH		SOLE		8,251	0	65
NORFOLK SOUTHN CORP	COM	655844108	482	1,790	SH		SOLE		1,770	0	20
OLD NATL BANCORP IND	COM	680033107	311	16,115	SH		SOLE		14,865	0	1,250
PEPSICO INC	COM	713448108	867	6,138	SH		SOLE		6,093	0	45
PFIZER INC	COM	717081103	427	11,809	SH		SOLE		2,362	0	9,447
PROCTER AND GAMBLE CO	COM	742718109	1,847	13,607	SH		SOLE		13,282	0	325
Charles Schwab Corp	COM	808513105	871	13,280	SH		SOLE		13,145	0	135
Schwab US Large-Cap ETF	ETF	808524201	6,915	72,069	SH		SOLE		70,981	0	1,087
Schwab US Large-Cap Growth ETF	ETF	808524300	3,232	24,937	SH		SOLE		24,717	0	220
Schwab US Large-Cap Value ETF	ETF	808524409	3,519	53,730	SH		SOLE		53,190	0	540
Schwab US Mid-Cap ETF	ETF	808524508	7,941	106,743	SH		SOLE		104,823	0	1,920
Schwab US Small-Cap ETF	ETF	808524607	4,351	43,915	SH		SOLE		43,318	0	597
Schwab Emerging Markets Equity ETF	ETF	808524706	3,168	99,297	SH		SOLE		98,801	0	496
SCHWAB 1 5 YEAR CORP BOND ETF	ETF	808524714	270	5,300	SH		SOLE		5,300	0	0
Schwab International Equity ETF	ETF	808524805	7,847	208,741	SH		SOLE		207,704	0	1,037
Schwab US TIPS ETF	ETF	808524870	4,645	76,010	SH		SOLE		71,989	0	4,021
SOUTHERN CO	COM	842587107	223	3,576	SH		SOLE		437	0	3,139
STARBUCKS CORP	COM	855244109	211	1,937	SH		SOLE		1,937	0	0
STRYKER CORPORATION	COM	863667101	2,899	11,895	SH		SOLE		11,185	0	710
SYSCO	COM	871829107	315	3,950	SH		SOLE		3,950	0	0
TJX COS INC NEW	COM	872540109	1,568	23,717	SH		SOLE		23,592	0	125
UNION PAC CORP	COM	907818108	387	1,753	SH		SOLE		330	0	1,423
VF Corp	COM	918204108	558	6,985	SH		SOLE		6,985	0	0
Vanguard FTSE Emerging Markets ETF	ETF	922042858	1,616	31,045	SH		SOLE		30,515	0	530
Vanguard FTSE Europe ETF	ETF	922042874	238	3,750	SH		SOLE		3,750	0	0
Vanguard Small-Cap Value ETF	ETF	922908611	763	4,621	SH		SOLE		4,621	0	0
Invesco QQQ Trust	ETF	46090E103	250	781	SH		SOLE		781	0	0
Edwards Lifesciences Corp	COM	28176E108	213	2,550	SH		SOLE		2,550	0	0
AT&T	COM	00206R102	296	9,772	SH		SOLE		2,840	0	6,932
ABBVIE INC	COM	00287Y109	5,009	46,282	SH		SOLE		45,882	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	405	849	SH		SOLE		849	0	0
ALPHABET INC	COM	02079K107	652	316	SH		SOLE		313	0	3
ALPHABET INC	COM	02079K305	2,619	1,268	SH		SOLE		1,263	0	5
BLACKROCK INC	COM	09247X101	363	480	SH		SOLE		480	0	0
CISCO SYS INC	COM	17275R102	657	12,698	SH		SOLE		10,878	0	1,820
COSTCO WHSL CORP NEW	COM	22160K105	1,863	5,277	SH		SOLE		4,995	0	282
EXXON MOBIL CORP	COM	30231G102	921	16,465	SH		SOLE		7,848	0	8,617
FACEBOOK INC	COM	30303M102	1,831	6,230	SH		SOLE		6,185	0	45
iShares GNMA Bond ETF	ETF	46429B333	1,657	32,761	SH		SOLE		29,514	0	3,247
iShares Core 1-5 Year USD Bond ETF	ETF	46432F859	247	4,810	SH		SOLE		4,810	0	0
iShares ESG 1-5 Year USD Corp Bd ETF	ETF	46435G243	421	16,199	SH		SOLE		770	0	15,429
iShares ESG U.S. Aggregate Bond ETF	ETF	46435U549	238	4,346	SH		SOLE		0	0	4,346
JPMORGAN CHASE & CO	COM	46625H100	2,585	17,001	SH		SOLE		15,547	0	1,454
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	1,699	33,450	SH		SOLE		33,450	0	0
LEVEL ONE BANCORP INC	COM	52730D208	1,330	51,448	SH		SOLE		51,448	0	0
MERCK & CO. INC	COM	58933Y105	392	5,011	SH		SOLE		1,660	0	3,351
ORACLE CORP	COM	68389X105	1,430	20,290	SH		SOLE		20,190	0	100
PIMCO Enhanced Low Duration Active ETF	ETF	72201R718	2,025	19,827	SH		SOLE		19,537	0	290
PIMCO Active Bond ETF	ETF	72201R775	2,955	27,026	SH		SOLE		26,894	0	132
SPDR S&P MidCap 400 ETF	ETF	78467Y107	6,940	14,539	SH		SOLE		14,359	0	180
SALESFORCE COM INC	COM	79466L302	1,290	6,080	SH		SOLE		6,035	0	45
TESLA	COM	88160R101	1,843	2,760	SH		SOLE		2,760	0	0
3M CO	COM	88579Y101	937	4,846	SH		SOLE		4,807	0	39
Vanguard Short-Term Corporate Bond ETF	ETF	92206C409	1,635	19,857	SH		SOLE		19,726	0	131
VERIZON COMMUNICATIONS	COM	92343V104	569	9,755	SH		SOLE		3,284	0	6,471
VISA INC	COM	92826C839	2,233	10,520	SH		SOLE		10,455	0	65