In early fall use bigger crankbaits, bigger Rapalas, Cisco Kid Toppers, Swim Whizzes. . . You can also try bigger spinner baits like Bionic Bucktails by Northland, Lindy Tandem Spin, or Jimmy's Baits. Fish 4 to 8 feet. The big musky will really start hitting. Also, go a little deeper for musky, look at 6 to 12 feet.
Bluegills are shallow, but some real monster gills are in deep water.
Use worms or waxies . Perch and crappie will suspend 8 to 12 feet, with some still lurking in the shallows. Try both areas. Use a small jig like a Mini Mite. Later in the day and evening, draw back to 8 to 12 feet.