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
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
AT&T INC COM 00206R102 499 17,334 SH   SOLE 0 0 0 17,334
ABBOTT LABS COM 002824100 322 2,777 SH   SOLE 0 0 0 2,777
ABBVIE INC COM 00287Y109 397 3,528 SH   SOLE 0 0 0 3,528
APPLE INC COM 037833100 1,036 7,562 SH   SOLE 0 0 0 7,562
CVS HEALTH CORP COM 126650100 413 4,947 SH   SOLE 0 0 0 4,947
CAESARS ENTERTAINMENT INC NE COM 12769G100 2,331 22,463 SH   SOLE 0 0 0 22,463
COMCAST CORP NEW CL A 20030N101 225 3,942 SH   SOLE 0 0 0 3,942
DISNEY WALT CO COM 254687106 202 1,147 SH   SOLE 0 0 0 1,147
FS KKR CAP CORP COM 302635206 1,813 84,285 SH   SOLE 0 0 0 84,285
FIRST MERCHANTS CORP COM 320817109 500 12,000 SH   SOLE 0 0 0 12,000
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 649 6,481 SH   SOLE 0 0 0 6,481
HOME DEPOT INC COM 437076102 364 1,140 SH   SOLE 0 0 0 1,140
INVESCO ACTIVELY MANAGED ETF EMGRING MKTS50 46090C305 362 6,243 SH   SOLE 0 0 0 6,243
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 2,461 51,127 SH   SOLE 0 0 0 51,127
ISHARES TR MORNINGSTAR GRWT 464287119 2,393 36,945 SH   SOLE 0 0 0 36,945
ISHARES TR CORE S&P500 ETF 464287200 776 1,805 SH   SOLE 0 0 0 1,805
ISHARES TR S&P 500 GRWT ETF 464287309 931 12,806 SH   SOLE 0 0 0 12,806
ISHARES TR MORNINGSTAR VALU 464288109 5,868 90,897 SH   SOLE 0 0 0 90,897
ISHARES TR CORE MSCI TOTAL 46432F834 3,314 45,214 SH   SOLE 0 0 0 45,214
ISHARES INC CORE MSCI EMKT 46434G103 586 8,753 SH   SOLE 0 0 0 8,753
ISHARES TR HDG MSCI EAFE 46434V803 422 12,196 SH   SOLE 0 0 0 12,196
JPMORGAN CHASE & CO COM 46625H100 273 1,756 SH   SOLE 0 0 0 1,756
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,432 47,925 SH   SOLE 0 0 0 47,925
LILLY ELI & CO COM 532457108 4,491 19,566 SH   SOLE 0 0 0 19,566
MCDONALDS CORP COM 580135101 506 2,190 SH   SOLE 0 0 0 2,190
MICROSOFT CORP COM 594918104 362 1,336 SH   SOLE 0 0 0 1,336
MOODYS CORP COM 615369105 207 570 SH   SOLE 0 0 0 570
PEPSICO INC COM 713448108 209 1,413 SH   SOLE 0 0 0 1,413
PFIZER INC COM 717081103 389 9,933 SH   SOLE 0 0 0 9,933
PROCTER AND GAMBLE CO COM 742718109 563 4,174 SH   SOLE 0 0 0 4,174
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533 225 7,509 SH   SOLE 0 0 0 7,509
SPDR SER TR S&P DIVID ETF 78464A763 253 2,066 SH   SOLE 0 0 0 2,066
SALESFORCE COM INC COM 79466L302 292 1,194 SH   SOLE 0 0 0 1,194
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 512 4,922 SH   SOLE 0 0 0 4,922
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 35,903 245,977 SH   SOLE 0 0 0 245,977
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 28,627 418,700 SH   SOLE 0 0 0 418,700
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 323 4,125 SH   SOLE 0 0 0 4,125
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 12,169 116,807 SH   SOLE 0 0 0 116,807
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,131 277,719 SH   SOLE 0 0 0 277,719
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 769 23,837 SH   SOLE 0 0 0 23,837
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 15,471 464,863 SH   SOLE 0 0 0 464,863
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,529 28,108 SH   SOLE 0 0 0 28,108
UNITEDHEALTH GROUP INC COM 91324P102 262 654 SH   SOLE 0 0 0 654
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 433 2,799 SH   SOLE 0 0 0 2,799
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,585 341,316 SH   SOLE 0 0 0 341,316
VISA INC COM CL A 92826C839 212 907 SH   SOLE 0 0 0 907
WISDOMTREE TR US LARGECAP DIVD 97717W307 2,586 21,493 SH   SOLE 0 0 0 21,493