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	5,353,278	48,759	SH		SOLE		47,999	0	760
AIR PRODS & CHEMS INC	COM	009158106	210,718	680	SH		SOLE		680	0	0
AMAZON COM INC	COM	023135106	475,725	5,663	SH		SOLE		5,663	0	0
AMGEN INC	COM	031162100	490,086	1,866	SH		SOLE		1,866	0	0
APPLE INC	COM	037833100	5,260,671	40,488	SH		SOLE		40,423	0	65
APPLIED MATLS INC	COM	038222105	515,140	5,290	SH		SOLE		5,290	0	0
BANK AMERICA CORP	COM	060505104	285,097	8,608	SH		SOLE		8,608	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	249,591	808	SH		SOLE		808	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	257,581	3,580	SH		SOLE		701	0	2,879
CVS HEALTH CORP	COM	126650100	387,952	4,163	SH		SOLE		4,123	0	40
CATERPILLAR INC	COM	149123101	1,331,954	5,560	SH		SOLE		5,560	0	0
CHEVRON CORP NEW	COM	166764100	2,647,298	14,749	SH		SOLE		13,575	0	1,174
COCA COLA CO	COM	191216100	819,042	12,876	SH		SOLE		12,376	0	500
CUMMINS INC	COM	231021106	368,281	1,520	SH		SOLE		1,520	0	0
DTE ENERGY CO	COM	233331107	269,903	2,278	SH		SOLE		232	0	2,046
DANAHER CORPORATION	COM	235851102	1,141,053	4,295	SH		SOLE		4,295	0	0
DEERE & CO	COM	244199105	452,748	1,053	SH		SOLE		1,033	0	20
DISNEY WALT CO	COM	254687106	296,663	3,415	SH		SOLE		3,415	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	246,748	10,230	SH		SOLE		10,230	0	0
EQUITY COMWLTH	6.5% CNV PFD D	294628201	263,051	10,500	SH		SOLE		10,500	0	0
FORD MTR CO DEL	COM	345370860	147,888	12,716	SH		SOLE		12,716	0	0
GENERAL DYNAMICS CORP	COM	369550108	539,639	2,175	SH		SOLE		2,175	0	0
GENERAL MLS INC	COM	370334104	230,755	2,752	SH		SOLE		2,752	0	0
HOME DEPOT INC	COM	437076102	397,352	1,258	SH		SOLE		1,008	0	250
INTEL CORP	COM	458140100	315,257	11,928	SH		SOLE		11,853	0	75
INTERNATIONAL BUSINESS MACHS	COM	459200101	703,041	4,990	SH		SOLE		4,740	0	250
ISHARES TR	CORE S&P500 ETF	464287200	2,320,303	6,039	SH		SOLE		6,039	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	212,015	3,624	SH		SOLE		3,624	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	240,750	2,966	SH		SOLE		2,966	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,593,025	54,738	SH		SOLE		54,413	0	325
ISHARES TR	CORE S&P MCP ETF	464287507	2,426,640	10,032	SH		SOLE		10,032	0	0
ISHARES TR	COHEN STEER REIT	464287564	2,353,672	42,919	SH		SOLE		41,750	0	1,169
ISHARES TR	RUSSELL 2000 ETF	464287655	2,276,767	13,058	SH		SOLE		13,018	0	40
ISHARES TR	CORE S&P SCP ETF	464287804	1,276,978	13,493	SH		SOLE		13,413	0	80
JOHNSON & JOHNSON	COM	478160104	1,464,782	8,292	SH		SOLE		8,017	0	275
LILLY ELI & CO	COM	532457108	466,812	1,276	SH		SOLE		1,276	0	0
LOWES COS INC	COM	548661107	680,521	3,416	SH		SOLE		3,386	0	30
MARATHON OIL CORP	COM	565849106	749,893	27,702	SH		SOLE		27,702	0	0
MASCO CORP	COM	574599106	435,198	9,325	SH		SOLE		9,325	0	0
MCDONALDS CORP	COM	580135101	1,862,630	7,068	SH		SOLE		7,043	0	25
MICROSOFT CORP	COM	594918104	3,257,508	13,583	SH		SOLE		13,021	0	562
MICROCHIP TECHNOLOGY INC.	COM	595017104	647,003	9,210	SH		SOLE		9,135	0	75
NIKE INC	CL B	654106103	985,487	8,422	SH		SOLE		8,382	0	40
NORFOLK SOUTHN CORP	COM	655844108	410,043	1,664	SH		SOLE		1,664	0	0
OLD NATL BANCORP IND	COM	680033107	206,141	11,465	SH		SOLE		11,465	0	0
PEPSICO INC	COM	713448108	1,133,118	6,233	SH		SOLE		6,198	0	35
PFIZER INC	COM	717081103	911,098	17,781	SH		SOLE		8,334	0	9,447
PROCTER AND GAMBLE CO	COM	742718109	2,156,297	14,227	SH		SOLE		13,912	0	315
SCHWAB CHARLES CORP	COM	808513105	1,008,719	12,115	SH		SOLE		12,035	0	80
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,058,586	112,040	SH		SOLE		111,188	0	852
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	5,054,630	90,976	SH		SOLE		90,566	0	410
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	6,408,713	97,072	SH		SOLE		96,580	0	492
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	7,686,999	117,162	SH		SOLE		115,482	0	1,680
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	4,097,672	101,152	SH		SOLE		100,108	0	1,044
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,847,894	78,069	SH		SOLE		77,153	0	916
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,357,429	166,328	SH		SOLE		165,763	0	565
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	3,464,235	66,890	SH		SOLE		62,872	0	4,018
SOUTHERN CO	COM	842587107	255,362	3,576	SH		SOLE		437	0	3,139
STARBUCKS CORP	COM	855244109	301,270	3,037	SH		SOLE		3,037	0	0
STRYKER CORPORATION	COM	863667101	2,860,520	11,664	SH		SOLE		10,889	0	775
SYSCO CORP	COM	871829107	532,398	6,964	SH		SOLE		6,964	0	0
TJX COS INC NEW	COM	872540109	1,755,339	22,052	SH		SOLE		21,972	0	80
THERMO FISHER SCIENTIFIC INC	COM	883556102	212,131	385	SH		SOLE		385	0	0
UNION PAC CORP	COM	907818108	357,817	1,728	SH		SOLE		305	0	1,423
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,054,604	27,055	SH		SOLE		26,625	0	430
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	249,667	3,027	SH		SOLE		2,925	0	102
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	905,319	5,701	SH		SOLE		5,701	0	0
AT&T INC	COM	00206R102	418,330	22,723	SH		SOLE		15,791	0	6,932
ABBVIE INC	COM	00287Y109	7,413,880	45,875	SH		SOLE		45,475	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	277,301	824	SH		SOLE		824	0	0
ALPHABET INC	CAP STK CL C	02079K107	427,235	4,815	SH		SOLE		4,815	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,389,129	27,078	SH		SOLE		26,843	0	235
BLACKROCK INC	COM	09247X101	350,772	495	SH		SOLE		495	0	0
BLACKSTONE INC	COM	09260D107	256,401	3,456	SH		SOLE		3,456	0	0
CISCO SYS INC	COM	17275R102	758,905	15,930	SH		SOLE		14,110	0	1,820
CONOCOPHILLIPS	COM	20825C104	448,093	3,775	SH		SOLE		2,820	0	955
COSTCO WHSL CORP NEW	COM	22160K105	2,308,064	5,056	SH		SOLE		4,779	0	277
EXXON MOBIL CORP	COM	30231G102	1,299,338	11,780	SH		SOLE		10,598	0	1,182
META PLATFORMS INC	CL A	30303M102	391,572	3,254	SH		SOLE		3,254	0	0
ISHARES TR	GNMA BOND ETF	46429B333	210,247	4,831	SH		SOLE		1,745	0	3,086
ISHARES TR	CORE 1 5 YR USD	46432F859	223,376	4,810	SH		SOLE		4,810	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	295,186	5,899	SH		SOLE		5,899	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	366,747	15,429	SH		SOLE		0	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	203,132	4,346	SH		SOLE		0	0	4,346
JPMORGAN CHASE & CO	COM	46625H100	2,293,512	17,103	SH		SOLE		15,664	0	1,439
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	552,428	10,989	SH		SOLE		10,989	0	0
MERCK & CO INC	COM	58933Y105	570,238	5,106	SH		SOLE		1,755	0	3,351
ORACLE CORP	COM	68389X105	1,457,915	17,836	SH		SOLE		17,776	0	60
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	568,735	6,019	SH		SOLE		5,842	0	177
PIMCO ETF TR	ACTIVE BD ETF	72201R775	4,396,001	48,431	SH		SOLE		48,253	0	178
RLJ LODGING TR	CUM CONV PFD A	74965L200	325,076	13,390	SH		SOLE		13,390	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	6,255,454	14,074	SH		SOLE		13,974	0	100
SALESFORCE INC	COM	79466L302	769,685	5,805	SH		SOLE		5,780	0	25
SYSTEM1 INC	CL A COM	87200P109	52,170	10,950	SH		SOLE		10,950	0	0
TESLA INC	COM	88160R101	303,881	2,467	SH		SOLE		2,467	0	0
3M CO	COM	88579Y101	316,410	2,639	SH		SOLE		2,625	0	14
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,928,302	52,245	SH		SOLE		52,044	0	201
VERIZON COMMUNICATIONS INC	COM	92343V104	592,497	15,038	SH		SOLE		8,567	0	6,471
VISA INC	COM CL A	92826C839	2,050,591	9,870	SH		SOLE		9,850	0	20
CHUBB LIMITED	COM	H1467J104	235,823	1,065	SH		SOLE		1,065	0	0