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        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
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        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>MANVIR S GREWAL SR</PersonNm>
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            <AddressLine1Txt>3120 PINE TREE RD</AddressLine1Txt>
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        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
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        <AssetDesc>LEGG MASON BW GLOBAL OPP BOND</AssetDesc>
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      <GainLossSaleOtherAssetGrp>
        <AssetDesc>JANIS FLEXIBLE BOND CLASS I</AssetDesc>
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        <AssetDesc>PIMCO SHORT TERM INSTITUTIONAL</AssetDesc>
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      <GainLossSaleOtherAssetGrp>
        <AssetDesc>PIMCO TOTAL RETURN</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>46279</GrossSalesPriceAmt>
        <BasisAmt>50275</BasisAmt>
        <TotalNetAmt>-3996</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>VANGUARD GROWTH INDEX INVESTOR CL</AssetDesc>
        <AcquiredDt>2015-12</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2016-03</SoldDt>
        <GrossSalesPriceAmt>25375</GrossSalesPriceAmt>
        <BasisAmt>26526</BasisAmt>
        <TotalNetAmt>-1151</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <StockNm>CHARTER ONE INVESTMENT SERVICES</StockNm>
        <EOYBookValueAmt>371318</EOYBookValueAmt>
        <EOYFMVAmt>353504</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc5">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>INVESTMENT ADVISORY FEES</CategoryTxt>
        <Amt>4907</Amt>
        <NetInvestmentIncomeAmt>4907</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>4907</AdjustedNetIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc6">
      <TaxesDetail>
        <CategoryTxt>STATE OF MI REGISTRATION</CategoryTxt>
        <Amt>20</Amt>
        <NetInvestmentIncomeAmt>20</NetInvestmentIncomeAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>2015 NET INVESTMENT TAX</CategoryTxt>
        <Amt>98</Amt>
        <NetInvestmentIncomeAmt>98</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>