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
ABBOTT LABS	COM	002824100	6,927	49,217	SH		SOLE		48,422	0	795
AMAZON COM INC	COM	023135106	464	139	SH		SOLE		139	0	0
AMGEN INC	COM	031162100	489	2,175	SH		SOLE		2,175	0	0
APPLE INC	COM	037833100	8,317	46,837	SH		SOLE		46,737	0	100
APPLIED MATLS INC	COM	038222105	384	2,440	SH		SOLE		2,440	0	0
BK OF AMERICA CORP	COM	060505104	337	7,585	SH		SOLE		7,585	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	255	852	SH		SOLE		852	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	225	3,605	SH		SOLE		726	0	2,879
CVS HEALTH CORP	COM	126650100	423	4,099	SH		SOLE		4,009	0	90
CATERPILLAR INC	COM	149123101	1,155	5,585	SH		SOLE		5,585	0	0
CHEVRON CORP NEW	COM	166764100	1,517	12,925	SH		SOLE		11,691	0	1,234
COCA COLA CO	COM	191216100	769	12,980	SH		SOLE		12,480	0	500
DBX ETF TR	XTRACK USD HIGH	233051432	717	17,994	SH		SOLE		17,951	0	43
DTE ENERGY CO	COM	233331107	274	2,278	SH		SOLE		232	0	2,046
DANAHER CORPORATION	COM	235851102	1,806	5,485	SH		SOLE		5,485	0	0
DEERE & CO	COM	244199105	355	1,031	SH		SOLE		1,001	0	30
DISNEY WALT CO	COM	254687106	709	4,579	SH		SOLE		4,579	0	0
FORD MTR CO DEL	COM	345370860	241	11,606	SH		SOLE		11,606	0	0
GENERAL DYNAMICS CORP	COM	369550108	474	2,275	SH		SOLE		2,275	0	0
GENERAL MLS INC	COM	370334104	218	3,235	SH		SOLE		3,235	0	0
HOME DEPOT INC	COM	437076102	657	1,583	SH		SOLE		1,333	0	250
INTEL CORP	COM	458140100	692	13,430	SH		SOLE		13,340	0	90
INTERNATIONAL BUSINESS MACHS	COM	459200101	645	4,829	SH		SOLE		4,579	0	250
ISHARES TR	CORE S&P500 ETF	464287200	2,880	6,038	SH		SOLE		6,038	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	230	4,705	SH		SOLE		4,705	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	301	3,596	SH		SOLE		3,596	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	254	2,966	SH		SOLE		2,966	0	0
ISHARES TR	MSCI EAFE ETF	464287465	4,534	57,502	SH		SOLE		56,852	0	650
ISHARES TR	CORE S&P MCP ETF	464287507	3,132	11,065	SH		SOLE		11,065	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	367	1,200	SH		SOLE		1,200	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	2,907	13,068	SH		SOLE		13,018	0	50
ISHARES TR	CORE S&P SCP ETF	464287804	1,502	13,113	SH		SOLE		13,013	0	100
JOHNSON & JOHNSON	COM	478160104	1,474	8,614	SH		SOLE		8,334	0	280
LILLY ELI & CO	COM	532457108	389	1,407	SH		SOLE		1,407	0	0
LOWES COS INC	COM	548661107	882	3,411	SH		SOLE		3,376	0	35
MARATHON OIL CORP	COM	565849106	484	29,452	SH		SOLE		29,452	0	0
MASCO CORP	COM	574599106	736	10,475	SH		SOLE		10,475	0	0
MCDONALDS CORP	COM	580135101	2,000	7,460	SH		SOLE		7,425	0	35
MICROSOFT CORP	COM	594918104	4,857	14,441	SH		SOLE		13,879	0	562
MICROCHIP TECHNOLOGY INC.	COM	595017104	898	10,310	SH		SOLE		10,220	0	90
NIKE INC	CL B	654106103	1,368	8,206	SH		SOLE		8,156	0	50
NORFOLK SOUTHN CORP	COM	655844108	544	1,827	SH		SOLE		1,827	0	0
OLD NATL BANCORP IND	COM	680033107	229	12,615	SH		SOLE		12,615	0	0
PEPSICO INC	COM	713448108	1,108	6,338	SH		SOLE		6,293	0	45
PFIZER INC	COM	717081103	746	12,634	SH		SOLE		3,187	0	9,447
PROCTER AND GAMBLE CO	COM	742718109	2,195	13,417	SH		SOLE		13,092	0	325
SCHWAB CHARLES CORP	COM	808513105	1,040	12,366	SH		SOLE		12,266	0	100
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	6,762	59,402	SH		SOLE		58,315	0	1,087
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	5,052	30,842	SH		SOLE		30,622	0	220
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	5,114	69,843	SH		SOLE		69,303	0	540
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	9,288	115,337	SH		SOLE		113,417	0	1,920
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	4,778	46,662	SH		SOLE		46,065	0	597
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	3,123	105,378	SH		SOLE		104,882	0	496
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	244	4,825	SH		SOLE		4,825	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	8,494	218,252	SH		SOLE		217,215	0	1,037
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	5,191	82,546	SH		SOLE		78,525	0	4,021
SOUTHERN CO	COM	842587107	245	3,576	SH		SOLE		437	0	3,139
STARBUCKS CORP	COM	855244109	303	2,587	SH		SOLE		2,587	0	0
STRYKER CORPORATION	COM	863667101	3,218	12,000	SH		SOLE		11,290	0	710
SYSCO CORP	COM	871829107	550	7,000	SH		SOLE		7,000	0	0
TJX COS INC NEW	COM	872540109	1,838	24,212	SH		SOLE		24,112	0	100
THERMO FISHER SCIENTIFIC INC	COM	883556102	257	385	SH		SOLE		385	0	0
UNION PAC CORP	COM	907818108	442	1,753	SH		SOLE		330	0	1,423
V F CORP	COM	918204108	495	6,755	SH		SOLE		6,755	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,563	31,595	SH		SOLE		31,115	0	480
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	254	3,725	SH		SOLE		3,725	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	963	5,386	SH		SOLE		5,386	0	0
Invesco QQQ Trust	UNIT SER 1	46090E903	311	781	SH		SOLE		781	0	0
Edwards Lifesciences Corp	COM	28176E108	330	2,550	SH		SOLE		2,550	0	0
AT&T INC	COM	00206R102	240	9,772	SH		SOLE		2,840	0	6,932
ABBVIE INC	COM	00287Y109	6,222	45,952	SH		SOLE		45,552	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	467	824	SH		SOLE		824	0	0
ALPHABET INC	CAP STK CL C	02079K107	775	268	SH		SOLE		268	0	0
ALPHABET INC	CAP STK CL A	02079K305	3,581	1,236	SH		SOLE		1,231	0	5
BLACKROCK INC	COM	09247X101	472	515	SH		SOLE		515	0	0
CISCO SYS INC	COM	17275R102	814	12,848	SH		SOLE		11,028	0	1,820
CONOCOPHILLIPS	COM	20825C104	273	3,775	SH		SOLE		2,820	0	955
COSTCO WHSL CORP NEW	COM	22160K105	3,030	5,337	SH		SOLE		5,055	0	282
EXELON CORP	COM	30161N101	225	3,892	SH		SOLE		3,802	0	90
EXXON MOBIL CORP	COM	30231G102	1,027	16,783	SH		SOLE		8,166	0	8,617
META PLATFORMS INC	CL A	30303M102	1,924	5,720	SH		SOLE		5,690	0	30
FEDEX CORP	COM	31428X106	285	1,100	SH		SOLE		1,080	0	20
ISHARES TR	GNMA BOND ETF	46429B333	1,551	31,189	SH		SOLE		27,942	0	3,247
ISHARES TR	CORE 1 5 YR USD	46432F859	243	4,810	SH		SOLE		4,810	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	416	16,199	SH		SOLE		770	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	240	4,346	SH		SOLE		0	0	4,346
JPMORGAN CHASE & CO	COM	46625H100	2,789	17,611	SH		SOLE		16,172	0	1,439
J P MORGAN EXCHANGE-TRADED F	ULTRA SHRT INC	46641Q837	1,539	30,465	SH		SOLE		30,465	0	0
LEVEL ONE BANCORP INC	COM	52730D208	1,768	44,768	SH		SOLE		44,768	0	0
MERCK & CO INC	COM	58933Y105	388	5,011	SH		SOLE		1,660	0	3,351
ORACLE CORP	COM	68389X105	1,743	19,990	SH		SOLE		19,915	0	75
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	1,381	13,718	SH		SOLE		13,428	0	290
PIMCO ETF TR	ACTIVE BD ETF	72201R775	3,345	30,507	SH		SOLE		30,375	0	132
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	7,605	14,649	SH		SOLE		14,499	0	150
SALESFORCE COM INC	COM	79466L302	1,521	5,985	SH		SOLE		5,950	0	35
TESLA INC	COM	88160R101	884	836	SH		SOLE		836	0	0
3M CO	COM	88579Y101	832	4,686	SH		SOLE		4,647	0	39
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	2,976	36,623	SH		SOLE		36,492	0	131
VERIZON COMMUNICATIONS INC	COM	92343V104	504	9,696	SH		SOLE		3,225	0	6,471
VISA INC	COM CL A	92826C839	2,307	10,645	SH		SOLE		10,595	0	50
CHUBB LIMITED	COM	H1467J104	207	1,065	SH		SOLE		1,065	0	0