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	374	2,886	SH		SOLE		2,872	0	14
ABBOTT LABS	COM	002824100	5,297	48,750	SH		SOLE		47,980	0	770
ABBVIE INC	COM	00287Y109	6,983	45,592	SH		SOLE		45,192	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	302	824	SH		SOLE		824	0	0
ALPHABET INC	CAP STK CL C	02079K107	556	254	SH		SOLE		254	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,957	1,357	SH		SOLE		1,354	0	3
AMAZON COM INC	COM	023135106	570	5,363	SH		SOLE		5,363	0	0
AMGEN INC	COM	031162100	490	2,016	SH		SOLE		2,016	0	0
APPLE INC	COM	037833100	5,882	43,021	SH		SOLE		42,956	0	65
APPLIED MATLS INC	COM	038222105	500	5,500	SH		SOLE		5,500	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	221	808	SH		SOLE		808	0	0
BK OF AMERICA CORP	COM	060505104	240	7,708	SH		SOLE		7,708	0	0
BLACKROCK INC	COM	09247X101	314	515	SH		SOLE		515	0	0
BLACKSTONE INC	COM	09260D107	401	4,393	SH		SOLE		4,393	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	278	3,580	SH		SOLE		701	0	2,879
CATERPILLAR INC	COM	149123101	1,032	5,775	SH		SOLE		5,775	0	0
CHEVRON CORP NEW	COM	166764100	2,213	15,282	SH		SOLE		14,048	0	1,234
CHUBB LIMITED	COM	H1467J104	210	1,065	SH		SOLE		1,065	0	0
CISCO SYS INC	COM	17275R102	677	15,883	SH		SOLE		14,063	0	1,820
COCA COLA CO	COM	191216100	839	13,251	SH		SOLE		12,751	0	500
CONOCOPHILLIPS	COM	20825C104	342	3,775	SH		SOLE		2,820	0	955
COSTCO WHSL CORP NEW	COM	22160K105	2,443	5,097	SH		SOLE		4,820	0	277
CUMMINS INC	COM	231021106	269	1,390	SH		SOLE		1,390	0	0
CVS HEALTH CORP	COM	126650100	390	4,210	SH		SOLE		4,160	0	50
DANAHER CORPORATION	COM	235851102	1,227	4,835	SH		SOLE		4,835	0	0
DBX ETF TR	XTRACK USD HIGH	233051432	1,304	38,663	SH		SOLE		38,517	0	146
DEERE & CO	COM	244199105	291	968	SH		SOLE		943	0	25
DISNEY WALT CO	COM	254687106	377	3,990	SH		SOLE		3,990	0	0
DTE ENERGY CO	COM	233331107	291	2,278	SH		SOLE		232	0	2,046
EDWARDS LIFESCIENCES CORP	COM	28176E108	228	2,400	SH		SOLE		2,400	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	249	10,230	SH		SOLE		10,230	0	0
EXXON MOBIL CORP	COM	30231G102	797	9,304	SH		SOLE		8,022	0	1,282
GENERAL DYNAMICS CORP	COM	369550108	506	2,275	SH		SOLE		2,275	0	0
GENERAL MLS INC	COM	370334104	244	3,235	SH		SOLE		3,235	0	0
HOME DEPOT INC	COM	437076102	372	1,358	SH		SOLE		1,108	0	250
INTEL CORP	COM	458140100	497	13,298	SH		SOLE		13,208	0	90
INTERNATIONAL BUSINESS MACHS	COM	459200101	684	4,844	SH		SOLE		4,594	0	250
INVESCO QQQ TR	UNIT SER 1	46090E103	212	756	SH		SOLE		756	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	218	3,608	SH		SOLE		3,608	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	2,224	13,134	SH		SOLE		13,084	0	50
ISHARES TR	RUS 1000 GRW ETF	464287614	262	1,200	SH		SOLE		1,200	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,480	55,681	SH		SOLE		55,281	0	400
ISHARES TR	GNMA BOND ETF	46429B333	568	12,479	SH		SOLE		9,378	0	3,101
ISHARES TR	ESG AWRE 1 5 YR	46435G243	372	15,429	SH		SOLE		0	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	213	4,346	SH		SOLE		0	0	4,346
ISHARES TR	CORE S&P500 ETF	464287200	2,278	6,009	SH		SOLE		6,009	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,212	13,113	SH		SOLE		13,013	0	100
ISHARES TR	CORE S&P MCP ETF	464287507	2,446	10,810	SH		SOLE		10,810	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	228	4,810	SH		SOLE		4,810	0	0
ISHARES TR	COHEN STEER REIT	464287564	2,191	36,053	SH		SOLE		35,585	0	468
ISHARES TR	BLACKROCK ULTRA	46434V878	812	16,232	SH		SOLE		16,232	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	246	2,966	SH		SOLE		2,966	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	306	3,014	SH		SOLE		3,014	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	1,902	37,970	SH		SOLE		37,970	0	0
JOHNSON & JOHNSON	COM	478160104	1,548	8,723	SH		SOLE		8,443	0	280
JPMORGAN CHASE & CO	COM	46625H100	1,973	17,525	SH		SOLE		16,086	0	1,439
LILLY ELI & CO	COM	532457108	456	1,407	SH		SOLE		1,407	0	0
LOWES COS INC	COM	548661107	637	3,645	SH		SOLE		3,610	0	35
MARATHON OIL CORP	COM	565849106	640	28,452	SH		SOLE		28,452	0	0
MASCO CORP	COM	574599106	482	9,525	SH		SOLE		9,525	0	0
MCDONALDS CORP	COM	580135101	1,802	7,300	SH		SOLE		7,275	0	25
MERCK & CO INC	COM	58933Y105	460	5,011	SH		SOLE		1,660	0	3,351
META PLATFORMS INC	CL A	30303M102	993	6,161	SH		SOLE		6,131	0	30
MICROCHIP TECHNOLOGY INC.	COM	595017104	585	10,065	SH		SOLE		9,975	0	90
MICROSOFT CORP	COM	594918104	3,569	13,895	SH		SOLE		13,333	0	562
NIKE INC	CL B	654106103	827	8,067	SH		SOLE		8,017	0	50
NORFOLK SOUTHN CORP	COM	655844108	395	1,737	SH		SOLE		1,737	0	0
ORACLE CORP	COM	68389X105	1,338	19,145	SH		SOLE		19,070	0	75
PEPSICO INC	COM	713448108	1,035	6,213	SH		SOLE		6,168	0	45
PFIZER INC	COM	717081103	805	15,350	SH		SOLE		5,903	0	9,447
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	753	7,846	SH		SOLE		7,639	0	207
PIMCO ETF TR	ACTIVE BD ETF	72201R775	2,600	27,293	SH		SOLE		27,165	0	128
PROCTER AND GAMBLE CO	COM	742718109	1,978	13,758	SH		SOLE		13,433	0	325
SALESFORCE INC	COM	79466L302	1,017	6,164	SH		SOLE		6,129	0	35
SCHWAB CHARLES CORP	COM	808513105	771	12,209	SH		SOLE		12,109	0	100
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	4,343	77,834	SH		SOLE		73,813	0	4,021
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	3,858	98,941	SH		SOLE		97,893	0	1,048
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	7,235	115,337	SH		SOLE		113,654	0	1,683
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	4,758	106,538	SH		SOLE		105,705	0	833
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	5,236	83,886	SH		SOLE		83,389	0	497
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	4,359	75,160	SH		SOLE		74,743	0	417
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,794	184,232	SH		SOLE		183,653	0	579
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	2,274	89,588	SH		SOLE		89,265	0	323
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	229	4,825	SH		SOLE		4,825	0	0
SOUTHERN CO	COM	842587107	256	3,591	SH		SOLE		452	0	3,139
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	5,828	14,048	SH		SOLE		13,923	0	125
SPROTT PHYSICAL GOLD TR	UNIT	85207H104	212	14,938	SH		SOLE		14,938	0	0
STARBUCKS CORP	COM	855244109	204	2,676	SH		SOLE		2,676	0	0
STRYKER CORPORATION	COM	863667101	2,388	11,964	SH		SOLE		11,264	0	700
SYSCO CORP	COM	871829107	593	6,964	SH		SOLE		6,964	0	0
TESLA INC	COM	88160R101	544	807	SH		SOLE		807	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	209	385	SH		SOLE		385	0	0
TJX COS INC NEW	COM	872540109	1,327	23,752	SH		SOLE		23,652	0	100
UNION PAC CORP	COM	907818108	369	1,728	SH		SOLE		305	0	1,423
V F CORP	COM	918204108	303	6,860	SH		SOLE		6,860	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	800	5,341	SH		SOLE		5,341	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,165	27,960	SH		SOLE		27,480	0	480
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,983	52,231	SH		SOLE		52,037	0	194
VERIZON COMMUNICATIONS INC	COM	92343V104	453	8,924	SH		SOLE		2,453	0	6,471
VISA INC	COM CL A	92826C839	2,012	10,220	SH		SOLE		10,195	0	25