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
Estimated average burden
hours per response:		23.8

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	5,018,448	49,560	SH		SOLE		48,800	0	760
AMAZON COM INC	COM	023135106	820,473	7,943	SH		SOLE		7,943	0	0
AMGEN INC	COM	031162100	436,600	1,806	SH		SOLE		1,806	0	0
APPLE INC	COM	037833100	7,326,261	44,429	SH		SOLE		44,364	0	65
APPLIED MATLS INC	COM	038222105	655,298	5,335	SH		SOLE		5,335	0	0
BANK AMERICA CORP	COM	060505104	246,189	8,608	SH		SOLE		8,608	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	767,293	2,485	SH		SOLE		2,485	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	248,130	3,580	SH		SOLE		701	0	2,879
CVS HEALTH CORP	COM	126650100	257,262	3,462	SH		SOLE		3,422	0	40
CATERPILLAR INC	COM	149123101	1,500,275	6,556	SH		SOLE		6,556	0	0
CHEVRON CORP NEW	COM	166764100	2,417,868	14,819	SH		SOLE		13,645	0	1,174
COCA COLA CO	COM	191216100	854,551	13,675	SH		SOLE		13,175	0	500
CUMMINS INC	COM	231021106	386,986	1,620	SH		SOLE		1,620	0	0
DTE ENERGY CO	COM	233331107	251,702	2,278	SH		SOLE		232	0	2,046
DANAHER CORPORATION	COM	235851102	1,081,148	4,285	SH		SOLE		4,285	0	0
DEERE & CO	COM	244199105	549,965	1,328	SH		SOLE		1,308	0	20
DISNEY WALT CO	COM	254687106	305,960	3,056	SH		SOLE		3,056	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	342,657	13,230	SH		SOLE		13,230	0	0
FORD MTR CO DEL	COM	345370860	143,457	11,385	SH		SOLE		11,385	0	0
GENERAL DYNAMICS CORP	COM	369550108	502,062	2,200	SH		SOLE		2,200	0	0
GENERAL MLS INC	COM	370334104	368,504	4,312	SH		SOLE		4,312	0	0
HOME DEPOT INC	COM	437076102	428,809	1,453	SH		SOLE		1,203	0	250
INTEL CORP	COM	458140100	463,359	14,183	SH		SOLE		14,108	0	75
INTERNATIONAL BUSINESS MACHS	COM	459200101	658,989	5,027	SH		SOLE		4,777	0	250
ISHARES TR	CORE S&P500 ETF	464287200	2,483,041	6,040	SH		SOLE		6,040	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	215,582	3,374	SH		SOLE		3,374	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	243,687	2,966	SH		SOLE		2,966	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,897,006	54,488	SH		SOLE		54,163	0	325
ISHARES TR	CORE S&P MCP ETF	464287507	2,509,605	10,032	SH		SOLE		10,032	0	0
ISHARES TR	COHEN STEER REIT	464287564	2,528,215	45,521	SH		SOLE		44,352	0	1,169
ISHARES TR	RUSSELL 2000 ETF	464287655	2,325,411	13,035	SH		SOLE		12,995	0	40
ISHARES TR	CORE S&P SCP ETF	464287804	1,309,125	13,538	SH		SOLE		13,458	0	80
JOHNSON & JOHNSON	COM	478160104	1,415,150	9,130	SH		SOLE		8,855	0	275
LILLY ELI & CO	COM	532457108	414,165	1,206	SH		SOLE		1,206	0	0
LOWES COS INC	COM	548661107	1,111,950	5,561	SH		SOLE		5,531	0	30
MARATHON OIL CORP	COM	565849106	663,740	27,702	SH		SOLE		27,702	0	0
MASCO CORP	COM	574599106	457,921	9,210	SH		SOLE		9,210	0	0
MCDONALDS CORP	COM	580135101	1,952,237	6,982	SH		SOLE		6,957	0	25
MICROSOFT CORP	COM	594918104	4,104,856	14,238	SH		SOLE		13,676	0	562
MICROCHIP TECHNOLOGY INC.	COM	595017104	766,587	9,150	SH		SOLE		9,075	0	75
NIKE INC	CL B	654106103	1,038,842	8,447	SH		SOLE		8,407	0	40
NORFOLK SOUTHN CORP	COM	655844108	311,004	1,467	SH		SOLE		1,467	0	0
OLD NATL BANCORP IND	COM	680033107	165,325	11,465	SH		SOLE		11,465	0	0
PAYCHEX INC	COM	704326107	217,263	1,896	SH		SOLE		1,896	0	0
PEPSICO INC	COM	713448108	1,361,599	7,469	SH		SOLE		7,434	0	35
PFIZER INC	COM	717081103	785,482	19,252	SH		SOLE		9,805	0	9,447
PROCTER AND GAMBLE CO	COM	742718109	1,996,441	13,427	SH		SOLE		13,112	0	315
SCHWAB CHARLES CORP	COM	808513105	602,909	11,510	SH		SOLE		11,430	0	80
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,294,921	109,467	SH		SOLE		108,615	0	852
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	5,991,300	91,933	SH		SOLE		91,523	0	410
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	6,313,083	96,265	SH		SOLE		95,773	0	492
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	7,892,322	116,320	SH		SOLE		114,640	0	1,680
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	4,181,935	99,736	SH		SOLE		98,692	0	1,044
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,925,630	78,533	SH		SOLE		77,617	0	916
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	5,737,654	164,875	SH		SOLE		164,310	0	565
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	2,833,398	52,852	SH		SOLE		52,747	0	105
SOUTHERN CO	COM	842587107	259,603	3,731	SH		SOLE		592	0	3,139
STARBUCKS CORP	COM	855244109	368,308	3,537	SH		SOLE		3,537	0	0
STRYKER CORPORATION	COM	863667101	3,421,567	11,954	SH		SOLE		11,179	0	775
SYSCO CORP	COM	871829107	537,830	6,964	SH		SOLE		6,964	0	0
TJX COS INC NEW	COM	872540109	1,736,458	22,160	SH		SOLE		22,080	0	80
THERMO FISHER SCIENTIFIC INC	COM	883556102	222,037	385	SH		SOLE		385	0	0
UNION PAC CORP	COM	907818108	555,075	2,758	SH		SOLE		1,335	0	1,423
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,104,334	27,335	SH		SOLE		26,905	0	430
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	902,709	5,686	SH		SOLE		5,686	0	0
WALMART INC	COM	931142103	310,546	2,098	SH		SOLE		2,098	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	217,268	676	SH		SOLE		676	0	0
ABBVIE INC	COM	00287Y109	7,337,415	46,040	SH		SOLE		45,640	0	400
ADOBE SYSTEMS INCORPORATED	COM	00724F101	298,276	774	SH		SOLE		774	0	0
ALPHABET INC	CAP STK CL C	02079K107	563,160	5,415	SH		SOLE		5,415	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,876,269	27,728	SH		SOLE		27,493	0	235
BLACKROCK INC	COM	09247X101	331,214	495	SH		SOLE		495	0	0
BLACKSTONE INC	COM	09260D107	303,575	3,456	SH		SOLE		3,456	0	0
CISCO SYS INC	COM	17275R102	862,799	16,505	SH		SOLE		14,685	0	1,820
CONOCOPHILLIPS	COM	20825C104	380,076	3,808	SH		SOLE		2,853	0	955
COSTCO WHSL CORP NEW	COM	22160K105	2,574,780	5,182	SH		SOLE		4,905	0	277
EXXON MOBIL CORP	COM	30231G102	1,024,117	9,339	SH		SOLE		9,189	0	150
META PLATFORMS INC	CL A	30303M102	586,836	2,769	SH		SOLE		2,769	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	226,816	4,810	SH		SOLE		4,810	0	0
ISHARES TR	BLACKROCK ULTRA	46434V878	210,497	4,189	SH		SOLE		4,189	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	371,222	15,429	SH		SOLE		0	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	208,869	4,346	SH		SOLE		0	0	4,346
JPMORGAN CHASE & CO	COM	46625H100	2,228,692	17,103	SH		SOLE		15,664	0	1,439
MARATHON PETE CORP	COM	56585A102	221,661	1,644	SH		SOLE		1,644	0	0
MERCK & CO INC	COM	58933Y105	546,955	5,106	SH		SOLE		1,755	0	3,351
ORACLE CORP	COM	68389X105	1,741,414	18,741	SH		SOLE		18,681	0	60
PIMCO ETF TR	ENHNCD LW DUR AC	72201R718	388,175	4,091	SH		SOLE		3,914	0	177
PIMCO ETF TR	ACTIVE BD ETF	72201R775	4,669,936	50,347	SH		SOLE		50,169	0	178
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	6,456,180	14,047	SH		SOLE		13,947	0	100
SALESFORCE INC	COM	79466L302	1,153,729	5,775	SH		SOLE		5,750	0	25
SYSTEM1 INC	CL A COM	87200P109	47,085	10,950	SH		SOLE		10,950	0	0
TESLA INC	COM	88160R101	760,126	3,664	SH		SOLE		3,664	0	0
3M CO	COM	88579Y101	267,027	2,540	SH		SOLE		2,526	0	14
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,015,263	52,673	SH		SOLE		52,472	0	201
VERIZON COMMUNICATIONS INC	COM	92343V104	354,599	9,118	SH		SOLE		2,647	0	6,471
VISA INC	COM CL A	92826C839	2,221,908	9,855	SH		SOLE		9,835	0	20
CHUBB LIMITED	COM	H1467J104	207,686	1,065	SH		SOLE		1,065	0	0