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	543	3,645	SH		SOLE		3,606	0	39
ABBOTT LABS	COM	002824100	5,692	48,092	SH		SOLE		47,297	0	795
ABBVIE INC	COM	00287Y109	7,630	47,065	SH		SOLE		46,665	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	375	824	SH		SOLE		824	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	256	2,350	SH		SOLE		2,350	0	0
ALPHABET INC	CAP STK CL C	02079K107	723	259	SH		SOLE		259	0	0
ALPHABET INC	CAP STK CL A	02079K305	4,030	1,449	SH		SOLE		1,444	0	5
ALTRIA GROUP INC	COM	02209S103	487	9,157	SH		SOLE		9,157	0	0
AMAZON COM INC	COM	023135106	799	245	SH		SOLE		245	0	0
AMGEN INC	COM	031162100	496	2,050	SH		SOLE		2,050	0	0
APPLE INC	COM	037833100	8,644	49,505	SH		SOLE		49,405	0	100
APPLIED MATLS INC	COM	038222105	567	4,300	SH		SOLE		4,300	0	0
AT&T INC	COM	00206R102	202	8,549	SH		SOLE		1,617	0	6,932
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	283	802	SH		SOLE		802	0	0
BK OF AMERICA CORP	COM	060505104	317	7,685	SH		SOLE		7,685	0	0
BLACKROCK INC	COM	09247X101	394	515	SH		SOLE		515	0	0
BLACKSTONE GROUP INC	COM	09260D107	558	4,393	SH		SOLE		4,393	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	263	3,580	SH		SOLE		701	0	2,879
CATERPILLAR INC	COM	149123101	1,161	5,210	SH		SOLE		5,210	0	0
CHEVRON CORP NEW	COM	166764100	2,381	14,620	SH		SOLE		13,386	0	1,234
CHUBB LIMITED	COM	H1467J104	229	1,065	SH		SOLE		1,065	0	0
CISCO SYS INC	COM	17275R102	646	11,583	SH		SOLE		9,763	0	1,820
COCA COLA CO	COM	191216100	766	12,272	SH		SOLE		11,772	0	500
CONOCOPHILLIPS	COM	20825C104	379	3,775	SH		SOLE		2,820	0	955
COSTCO WHSL CORP NEW	COM	22160K105	2,858	4,963	SH		SOLE		4,681	0	282
CVS HEALTH CORP	COM	126650100	420	4,151	SH		SOLE		4,061	0	90
DANAHER CORPORATION	COM	235851102	1,412	4,810	SH		SOLE		4,810	0	0
DBX ETF TR	XTRACK USD HIGH	233051432	1,238	32,816	SH		SOLE		32,687	0	129
DEERE & CO	COM	244199105	414	993	SH		SOLE		963	0	30
DISNEY WALT CO	COM	254687106	550	4,013	SH		SOLE		4,013	0	0
DTE ENERGY CO	COM	233331107	303	2,278	SH		SOLE		232	0	2,046
ENTERPRISE PRODS PARTNERS L	COM	293792107	316	12,230	SH		SOLE		12,230	0	0
EXXON MOBIL CORP	COM	30231G102	1,380	16,713	SH		SOLE		8,096	0	8,617
FACEBOOK INC	CL A	30303M102	1,410	6,339	SH		SOLE		6,309	0	30
FORD MTR CO DEL	COM	345370860	191	11,293	SH		SOLE		11,293	0	0
GENERAL DYNAMICS CORP	COM	369550108	476	1,975	SH		SOLE		1,975	0	0
HOME DEPOT INC	COM	437076102	347	1,158	SH		SOLE		908	0	250
INTEL CORP	COM	458140100	584	11,780	SH		SOLE		11,690	0	90
INTERNATIONAL BUSINESS MACHS	COM	459200101	610	4,694	SH		SOLE		4,444	0	250
ISHARES TR	CORE S&P500 ETF	464287200	2,726	6,009	SH		SOLE		6,009	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	275	3,602	SH		SOLE		3,602	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	247	2,966	SH		SOLE		2,966	0	0
ISHARES TR	MSCI EAFE ETF	464287465	4,001	54,365	SH		SOLE		53,715	0	650
ISHARES TR	CORE S&P MCP ETF	464287507	2,666	9,935	SH		SOLE		9,935	0	0
ISHARES TR	COHEN STEER REIT	464287564	1,423	20,042	SH		SOLE		19,915	0	127
ISHARES TR	RUSSELL 2000 ETF	464287655	2,684	13,076	SH		SOLE		13,026	0	50
ISHARES TR	CORE S&P SCP ETF	464287804	1,323	12,263	SH		SOLE		12,163	0	100
ISHARES TR	GNMA BOND ETF	46429B333	901	18,881	SH		SOLE		15,764	0	3,117
ISHARES TR	CORE 1 5 YR USD	46432F859	233	4,810	SH		SOLE		4,810	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	399	16,199	SH		SOLE		770	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	224	4,346	SH		SOLE		0	0	4,346
J P MORGAN EXCHANGE-TRADED F	ULTRA SHRT INC	46641Q837	1,597	31,765	SH		SOLE		31,765	0	0
JOHNSON & JOHNSON	COM	478160104	1,414	7,981	SH		SOLE		7,701	0	280
JPMORGAN CHASE & CO	COM	46625H100	2,263	16,600	SH		SOLE		15,161	0	1,439
LEVEL ONE BANCORP INC	COM	52730D208	1,498	37,449	SH		SOLE		37,449	0	0
LILLY ELI & CO	COM	532457108	403	1,407	SH		SOLE		1,407	0	0
LOWES COS INC	COM	548661107	700	3,461	SH		SOLE		3,426	0	35
MAGELLAN MIDSTREAM PRTNRS LP	COM UNIT RP LP	559080106	234	4,763	SH		SOLE		4,763	0	0
MARATHON OIL CORP	COM	565849106	640	25,502	SH		SOLE		25,502	0	0
MASCO CORP	COM	574599106	506	9,925	SH		SOLE		9,925	0	0
MCDONALDS CORP	COM	580135101	1,696	6,860	SH		SOLE		6,825	0	35
MERCK & CO. INC	COM	58933Y105	415	5,011	SH		SOLE		1,660	0	3,351
MICROCHIP TECHNOLOGY INC.	COM	595017104	760	10,120	SH		SOLE		10,030	0	90
MICROSOFT CORP	COM	594918104	4,004	12,986	SH		SOLE		12,424	0	562
NIKE INC	CL B	654106103	1,087	8,056	SH		SOLE		8,006	0	50
NORFOLK SOUTHN CORP	COM	655844108	498	1,747	SH		SOLE		1,747	0	0
OLD NATL BANCORP IND	COM	680033107	190	11,615	SH		SOLE		11,615	0	0
ORACLE CORP	COM	68389X105	1,437	17,375	SH		SOLE		17,300	0	75
PEPSICO INC	COM	713448108	1,022	6,103	SH		SOLE		6,058	0	45
PFIZER INC	COM	717081103	665	12,850	SH		SOLE		3,403	0	9,447
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	962	9,863	SH		SOLE		9,573	0	290
PIMCO ETF TR	ACTIVE BD ETF	72201R775	2,918	28,668	SH		SOLE		28,540	0	128
PROCTER AND GAMBLE CO	COM	742718109	1,985	12,989	SH		SOLE		12,664	0	325
PROGRESSIVE CORP	COM	743315103	217	1,900	SH		SOLE		1,900	0	0
SALESFORCE COM INC	COM	79466L302	1,235	5,815	SH		SOLE		5,780	0	35
SCHWAB CHARLES CORP	COM	808513105	976	11,572	SH		SOLE		11,472	0	100
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,744	106,659	SH		SOLE		105,749	0	910
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	5,182	69,265	SH		SOLE		68,871	0	394
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	5,677	79,515	SH		SOLE		79,046	0	469
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	8,623	113,676	SH		SOLE		111,995	0	1,681
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	4,591	96,931	SH		SOLE		95,889	0	1,042
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,964	106,738	SH		SOLE		106,413	0	325
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	234	4,825	SH		SOLE		4,825	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	7,951	216,540	SH		SOLE		215,955	0	585
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	5,024	82,749	SH		SOLE		78,727	0	4,022
SOUTHERN CO	COM	842587107	260	3,591	SH		SOLE		452	0	3,139
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	6,984	14,206	SH		SOLE		14,056	0	150
STARBUCKS CORP	COM	855244109	235	2,587	SH		SOLE		2,587	0	0
STRYKER CORPORATION	COM	863667101	3,062	11,424	SH		SOLE		10,714	0	710
SYSCO CORP	COM	871829107	571	6,950	SH		SOLE		6,950	0	0
TESLA INC	COM	88160R101	901	836	SH		SOLE		836	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	228	385	SH		SOLE		385	0	0
TJX COS INC NEW	COM	872540109	1,320	21,797	SH		SOLE		21,697	0	100
UNION PAC CORP	COM	907818108	472	1,728	SH		SOLE		305	0	1,423
V F CORP	COM	918204108	392	6,895	SH		SOLE		6,895	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	941	5,351	SH		SOLE		5,351	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,398	30,305	SH		SOLE		29,825	0	480
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,972	50,868	SH		SOLE		50,697	0	171
VERIZON COMMUNICATIONS INC	COM	92343V104	436	8,567	SH		SOLE		2,096	0	6,471
VISA INC	COM CL A	92826C839	2,170	9,785	SH		SOLE		9,735	0	50
INVESCO QQQ TR	UNIT SER 1	46090E103	274	756	SH		SOLE		756	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	283	2,400	SH		SOLE		2,400	0	0