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	2,480,963	6,668	SH		SOLE		6,468	0	200
CHEVRON CORP NEW	COM	166764100	2,508,872	15,423	SH		SOLE		14,034	0	1,389
COCA COLA CO	COM	191216100	799,309	13,566	SH		SOLE		13,066	0	500
CUMMINS INC	COM	231021106	504,841	1,670	SH		SOLE		1,520	0	150
DTE ENERGY CO	COM	233331107	245,249	2,278	SH		SOLE		232	0	2,046
DANAHER CORPORATION	COM	235851102	849,183	3,450	SH		SOLE		3,450	0	0
DEERE & CO	COM	244199105	512,252	1,239	SH		SOLE		1,139	0	100
ENTERPRISE PRODS PARTNERS L	COM	293792107	341,930	11,730	SH		SOLE		11,730	0	0
FORD MTR CO DEL	COM	345370860	138,155	10,578	SH		SOLE		10,578	0	0
GENERAL DYNAMICS CORP	COM	369550108	201,578	695	SH		SOLE		695	0	0
HOME DEPOT INC	COM	437076102	421,373	1,202	SH		SOLE		952	0	250
HONEYWELL INTL INC	COM	438516106	829,561	4,240	SH		SOLE		3,990	0	250
ILLINOIS TOOL WKS INC	COM	452308109	206,154	791	SH		SOLE		791	0	0
INTEL CORP	COM	458140100	483,010	12,984	SH		SOLE		11,984	0	1,000
INTERNATIONAL BUSINESS MACHS	COM	459200101	833,459	4,480	SH		SOLE		3,980	0	500
ISHARES TR	CORE S&P500 ETF	464287200	2,852,064	5,520	SH		SOLE		5,520	0	0
ISHARES TR	CORE US AGGBD ET	464287226	3,375,369	35,248	SH		SOLE		34,701	0	547
ISHARES TR	S&P 500 GRWT ETF	464287309	298,056	3,561	SH		SOLE		3,561	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	307,298	3,791	SH		SOLE		3,791	0	0
ISHARES TR	MSCI EAFE ETF	464287465	5,440,489	69,483	SH		SOLE		65,508	0	3,975
ISHARES TR	CORE S&P MCP ETF	464287507	2,843,748	48,380	SH		SOLE		48,380	0	0
ISHARES TR	COHEN STEER REIT	464287564	2,242,299	40,747	SH		SOLE		39,802	0	945
ISHARES TR	RUSSELL 2000 ETF	464287655	2,563,672	12,759	SH		SOLE		12,759	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,434,810	13,580	SH		SOLE		13,580	0	0
JOHNSON & JOHNSON	COM	478160104	1,325,365	8,824	SH		SOLE		8,324	0	500
ELI LILLY & CO	COM	532457108	1,002,868	1,316	SH		SOLE		1,316	0	0
LOWES COS INC	COM	548661107	987,910	4,166	SH		SOLE		4,016	0	150
MARATHON OIL CORP	COM	565849106	733,155	24,702	SH		SOLE		22,702	0	2,000
MASCO CORP	COM	574599106	338,504	4,575	SH		SOLE		4,075	0	500
MCDONALDS CORP	COM	580135101	1,907,557	7,100	SH		SOLE		6,950	0	150
MICROSOFT CORP	COM	594918104	6,167,799	14,572	SH		SOLE		13,865	0	707
MICROCHIP TECHNOLOGY INC.	COM	595017104	616,630	7,000	SH		SOLE		7,000	0	0
NIKE INC	CL B	654106103	744,688	8,367	SH		SOLE		8,067	0	300
PALO ALTO NETWORKS INC	COM	697435105	658,104	2,342	SH		SOLE		2,142	0	200
PEPSICO INC	COM	713448108	1,107,084	6,553	SH		SOLE		6,303	0	250
PFIZER INC	COM	717081103	371,744	14,124	SH		SOLE		3,677	0	10,447
PROCTER AND GAMBLE CO	COM	742718109	2,027,704	12,896	SH		SOLE		12,371	0	525
RPM INTL INC	COM	749685103	221,280	2,000	SH		SOLE		2,000	0	0
SCHWAB CHARLES CORP	COM	808513105	987,600	13,890	SH		SOLE		13,190	0	700
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	5,885,321	96,465	SH		SOLE		95,582	0	883
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	8,377,150	91,165	SH		SOLE		90,739	0	426
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	3,563,932	48,233	SH		SOLE		48,208	0	25
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	9,898,718	125,364	SH		SOLE		123,605	0	1,759
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	5,327,714	112,684	SH		SOLE		108,003	0	4,681
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	501,376	19,623	SH		SOLE		19,608	0	15
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	9,110,487	238,058	SH		SOLE		237,253	0	805
SOUTHERN CO	COM	842587107	260,312	3,731	SH		SOLE		592	0	3,139
STARBUCKS CORP	COM	855244109	304,865	3,547	SH		SOLE		3,147	0	400
STRYKER CORPORATION	COM	863667101	4,233,237	12,160	SH		SOLE		11,240	0	920
SYSCO CORP	COM	871829107	300,158	3,875	SH		SOLE		3,875	0	0
TJX COS INC NEW	COM	872540109	2,161,101	22,446	SH		SOLE		21,946	0	500
THERMO FISHER SCIENTIFIC INC	COM	883556102	226,195	394	SH		SOLE		394	0	0
UNION PAC CORP	COM	907818108	382,039	1,613	SH		SOLE		190	0	1,423
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,279,985	30,274	SH		SOLE		27,994	0	2,280
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,123,911	6,091	SH		SOLE		5,591	0	500
WALMART INC	COM	931142103	399,728	6,594	SH		SOLE		6,594	0	0
ABBOTT LABS	COM	002824100	5,400,170	48,576	SH		SOLE		47,456	0	1,120
ABBVIE INC	COM	00287Y109	7,871,051	46,566	SH		SOLE		45,866	0	700
ADOBE INC	COM	00724F101	241,174	495	SH		SOLE		495	0	0
ALPHABET INC	CAP STK CL C	02079K107	646,406	4,100	SH		SOLE		4,100	0	0
ALPHABET INC	CAP STK CL A	02079K305	4,448,000	28,487	SH		SOLE		27,812	0	675
AMAZON COM INC	COM	023135106	1,069,451	5,751	SH		SOLE		5,451	0	300
AMERICAN EXPRESS CO	COM	025816109	212,891	975	SH		SOLE		725	0	250
AMGEN INC	COM	031162100	472,416	1,773	SH		SOLE		1,773	0	0
APPLE INC	COM	037833100	6,071,456	36,187	SH		SOLE		35,837	0	350
APPLIED MATLS INC	COM	038222105	1,241,913	5,935	SH		SOLE		5,585	0	350
BANK AMERICA CORP	COM	060505104	356,678	9,732	SH		SOLE		8,482	0	1,250
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	506,887	1,239	SH		SOLE		1,239	0	0
BLACKROCK INC	COM	09247X101	455,301	581	SH		SOLE		581	0	0
CISCO SYS INC	COM	17275R102	591,344	11,920	SH		SOLE		9,350	0	2,570
COMCAST CORP NEW	CL A	20030N101	812,800	20,305	SH		SOLE		19,180	0	1,125
CONOCOPHILLIPS	COM	20825C104	203,879	1,535	SH		SOLE		895	0	640
COSTCO WHSL CORP NEW	COM	22160K105	3,896,174	5,392	SH		SOLE		5,030	0	362
EDWARDS LIFESCIENCES CORP	COM	28176E108	219,624	2,400	SH		SOLE		2,400	0	0
EXXON MOBIL CORP	COM	30231G102	1,081,238	8,848	SH		SOLE		8,698	0	150
META PLATFORMS INC	CL A	30303M102	1,354,614	2,606	SH		SOLE		2,606	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	321,480	732	SH		SOLE		732	0	0
ISHARES TR	GNMA BOND ETF	46429B333	441,293	10,415	SH		SOLE		10,415	0	0
ISHARES TR	MSCI INDIA ETF	46429B598	1,168,892	22,384	SH		SOLE		20,819	0	1,565
ISHARES TR	CORE 1 5 YR USD	46432F859	225,685	4,810	SH		SOLE		4,810	0	0
ISHARES TR	ESG AWRE 1 5 YR	46435G243	373,690	15,429	SH		SOLE		0	0	15,429
JPMORGAN CHASE & CO	COM	46625H100	3,702,158	18,829	SH		SOLE		17,065	0	1,764
J P MORGAN EXCHANGE TRADED F	CORE PLUS BD ETF	46641Q670	3,858,485	84,579	SH		SOLE		83,913	0	666
MARATHON PETE CORP	COM	56585A102	347,246	1,644	SH		SOLE		1,644	0	0
MERCK & CO INC	COM	58933Y105	720,954	5,688	SH		SOLE		2,337	0	3,351
NVIDIA CORPORATION	COM	67066G104	415,284	477	SH		SOLE		309	0	168
ORACLE CORP	COM	68389X105	2,107,210	17,251	SH		SOLE		17,251	0	0
PIMCO ETF TR	ACTIVE BD ETF	72201R775	1,218,979	13,588	SH		SOLE		13,540	0	48
SPDR SER TR	PRTFLO S&P500 VL	78464A508	4,317,046	88,591	SH		SOLE		87,838	0	753
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	7,433,286	13,801	SH		SOLE		13,206	0	595
SALESFORCE INC	COM	79466L302	1,946,204	6,487	SH		SOLE		6,287	0	200
SYSTEM1 INC	CL A COM	87200P109	45,880	20,950	SH		SOLE		20,950	0	0
TMC THE METALS COMPANY INC	COM	87261Y106	18,700	10,000	SH		SOLE		10,000	0	0
TESLA INC	COM	88160R101	403,458	2,349	SH		SOLE		2,349	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	1,153,478	2,563	SH		SOLE		2,448	0	115
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,662,025	60,934	SH		SOLE		59,856	0	1,078
VISA INC	COM CL A	92826C839	2,840,868	10,350	SH		SOLE		10,200	0	150
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	1,898,529	44,608	SH		SOLE		44,035	0	573