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
CATERPILLAR INC	COM	149123101	1,993,703	6,743	SH		SOLE		6,743	0	0
CHEVRON CORP NEW	COM	166764100	2,252,614	15,102	SH		SOLE		13,928	0	1,174
COCA COLA CO	COM	191216100	767,033	13,016	SH		SOLE		12,516	0	500
CUMMINS INC	COM	231021106	424,039	1,770	SH		SOLE		1,770	0	0
DTE ENERGY CO	COM	233331107	253,496	2,278	SH		SOLE		232	0	2,046
DANAHER CORPORATION	COM	235851102	816,320	3,525	SH		SOLE		3,525	0	0
DEERE & CO	COM	244199105	579,535	1,444	SH		SOLE		1,424	0	20
ENTERPRISE PRODS PARTNERS L	COM	293792107	309,086	11,730	SH		SOLE		11,730	0	0
HOME DEPOT INC	COM	437076102	414,820	1,197	SH		SOLE		947	0	250
HONEYWELL INTL INC	COM	438516106	817,874	3,900	SH		SOLE		3,875	0	25
ILLINOIS TOOL WKS INC	COM	452308109	208,039	790	SH		SOLE		790	0	0
INTEL CORP	COM	458140100	680,043	13,533	SH		SOLE		13,533	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	672,190	4,110	SH		SOLE		3,860	0	250
ISHARES TR	CORE S&P500 ETF	464287200	2,719,903	5,695	SH		SOLE		5,695	0	0
ISHARES TR	CORE US AGGBD ET	464287226	2,879,344	29,011	SH		SOLE		28,500	0	511
ISHARES TR	S&P 500 GRWT ETF	464287309	255,495	3,402	SH		SOLE		3,402	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	294,195	3,586	SH		SOLE		3,586	0	0
ISHARES TR	MSCI EAFE ETF	464287465	5,197,396	68,928	SH		SOLE		68,498	0	430
ISHARES TR	CORE S&P MCP ETF	464287507	2,659,809	9,597	SH		SOLE		9,597	0	0
ISHARES TR	COHEN STEER REIT	464287564	2,507,400	42,694	SH		SOLE		41,496	0	1,198
ISHARES TR	RUSSELL 2000 ETF	464287655	2,551,752	12,714	SH		SOLE		12,674	0	40
ISHARES TR	CORE S&P SCP ETF	464287804	1,449,792	13,393	SH		SOLE		13,313	0	80
JOHNSON & JOHNSON	COM	478160104	1,374,140	8,767	SH		SOLE		8,492	0	275
ELI LILLY & CO	COM	532457108	740,891	1,271	SH		SOLE		1,271	0	0
LOWES COS INC	COM	548661107	929,277	4,176	SH		SOLE		4,176	0	0
MARATHON OIL CORP	COM	565849106	639,080	26,452	SH		SOLE		26,452	0	0
MASCO CORP	COM	574599106	365,711	5,460	SH		SOLE		5,460	0	0
MCDONALDS CORP	COM	580135101	2,074,680	6,997	SH		SOLE		6,972	0	25
MICROSOFT CORP	COM	594918104	5,346,593	14,218	SH		SOLE		13,656	0	562
MICROCHIP TECHNOLOGY INC.	COM	595017104	689,877	7,650	SH		SOLE		7,575	0	75
NIKE INC	CL B	654106103	968,723	8,892	SH		SOLE		8,852	0	40
PALO ALTO NETWORKS INC	COM	697435105	587,409	1,992	SH		SOLE		1,992	0	0
PEPSICO INC	COM	713448108	1,111,674	6,497	SH		SOLE		6,462	0	35
PFIZER INC	COM	717081103	428,222	14,874	SH		SOLE		5,427	0	9,447
PROCTER AND GAMBLE CO	COM	742718109	2,004,586	13,679	SH		SOLE		13,364	0	315
RPM INTL INC	COM	749685103	223,260	2,000	SH		SOLE		2,000	0	0
SCHWAB CHARLES CORP	COM	808513105	963,220	14,000	SH		SOLE		13,920	0	80
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,500,226	97,522	SH		SOLE		96,661	0	861
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	7,465,771	89,966	SH		SOLE		89,566	0	400
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	6,371,039	90,885	SH		SOLE		90,414	0	471
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	9,237,870	122,648	SH		SOLE		120,929	0	1,719
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	5,043,424	106,762	SH		SOLE		105,702	0	1,060
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	1,108,864	44,730	SH		SOLE		43,834	0	896
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	7,897,546	213,678	SH		SOLE		212,964	0	714
SOUTHERN CO	COM	842587107	261,618	3,731	SH		SOLE		592	0	3,139
STARBUCKS CORP	COM	855244109	353,993	3,687	SH		SOLE		3,687	0	0
STRYKER CORPORATION	COM	863667101	3,600,055	11,990	SH		SOLE		11,215	0	775
SYSCO CORP	COM	871829107	361,994	4,950	SH		SOLE		4,950	0	0
TJX COS INC NEW	COM	872540109	2,114,571	22,541	SH		SOLE		22,461	0	80
THERMO FISHER SCIENTIFIC INC	COM	883556102	209,269	394	SH		SOLE		394	0	0
UNION PAC CORP	COM	907818108	409,694	1,668	SH		SOLE		245	0	1,423
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,251,454	30,449	SH		SOLE		30,019	0	430
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,106,673	6,146	SH		SOLE		6,146	0	0
WALMART INC	COM	931142103	316,124	1,998	SH		SOLE		1,998	0	0
ABBOTT LABS	COM	002824100	5,425,547	49,292	SH		SOLE		48,532	0	760
ABBVIE INC	COM	00287Y109	7,214,318	46,553	SH		SOLE		46,128	0	425
ADOBE INC	COM	00724F101	295,317	495	SH		SOLE		495	0	0
AIR PRODS & CHEMS INC	COM	009158106	245,791	892	SH		SOLE		892	0	0
ALPHABET INC	CAP STK CL C	02079K107	607,408	4,310	SH		SOLE		4,310	0	0
ALPHABET INC	CAP STK CL A	02079K305	3,934,018	28,162	SH		SOLE		27,927	0	235
AMAZON COM INC	COM	023135106	868,246	5,714	SH		SOLE		5,714	0	0
AMGEN INC	COM	031162100	525,348	1,824	SH		SOLE		1,824	0	0
APPLE INC	COM	037833100	7,203,115	37,413	SH		SOLE		37,348	0	65
APPLIED MATLS INC	COM	038222105	962,692	5,940	SH		SOLE		5,915	0	25
BANK AMERICA CORP	COM	060505104	311,141	9,232	SH		SOLE		9,232	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	406,236	1,139	SH		SOLE		1,139	0	0
BLACKROCK INC	COM	09247X101	397,782	490	SH		SOLE		490	0	0
CISCO SYS INC	COM	17275R102	631,760	12,505	SH		SOLE		10,685	0	1,820
COMCAST CORP NEW	CL A	20030N101	846,322	19,300	SH		SOLE		19,200	0	100
COSTCO WHSL CORP NEW	COM	22160K105	3,615,743	5,356	SH		SOLE		5,079	0	277
EXXON MOBIL CORP	COM	30231G102	855,535	8,557	SH		SOLE		8,407	0	150
META PLATFORMS INC	CL A	30303M102	977,240	2,761	SH		SOLE		2,761	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	306,073	747	SH		SOLE		747	0	0
ISHARES TR	CORE 1 5 YR USD	46432F859	228,764	4,810	SH		SOLE		4,810	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	377,702	15,429	SH		SOLE		0	0	15,429
ISHARES TR	ESG AWR US AGRGT	46435U549	207,478	4,346	SH		SOLE		0	0	4,346
JPMORGAN CHASE & CO	COM	46625H100	3,165,391	18,609	SH		SOLE		17,170	0	1,439
J P MORGAN EXCHANGE TRADED F	CORE PLUS BD ETF	46641Q670	640,898	13,559	SH		SOLE		13,559	0	0
MARATHON PETE CORP	COM	56585A102	243,904	1,644	SH		SOLE		1,644	0	0
MERCK & CO INC	COM	58933Y105	536,654	4,888	SH		SOLE		1,537	0	3,351
ORACLE CORP	COM	68389X105	1,821,936	17,281	SH		SOLE		17,221	0	60
PIMCO ETF TR	ACTIVE BD ETF	72201R775	3,682,915	39,691	SH		SOLE		39,562	0	129
SPDR SER TR	PRTFLO S&P500 VL	78464A508	968,738	20,775	SH		SOLE		20,775	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	6,863,967	13,478	SH		SOLE		13,378	0	100
SALESFORCE INC	COM	79466L302	1,655,677	6,292	SH		SOLE		6,267	0	25
SYSTEM1 INC	CL A COM	87200P109	46,509	20,950	SH		SOLE		20,950	0	0
TMC THE METALS COMPANY INC	COM	87261Y106	11,000	10,000	SH		SOLE		10,000	0	0
TESLA INC	COM	88160R101	588,640	2,369	SH		SOLE		2,369	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	1,275,637	2,423	SH		SOLE		2,413	0	10
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,496,790	58,121	SH		SOLE		57,071	0	1,050
VISA INC	COM CL A	92826C839	2,708,681	10,404	SH		SOLE		10,384	0	20
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	1,109,466	27,273	SH		SOLE		27,273	0	0