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
3M CO COM 88579Y101 726 3,810 SH   SOLE   3,810 0 0
ALLISON TRANSMISSION HLDGS I COM 01973R101 942 21,450 SH   SOLE   21,450 0 0
ALPHABET INC CAP STK CL C 02079K107 1,820 1,757 SH   SOLE   1,757 0 0
AMAZON COM INC COM 023135106 279 186 SH   SOLE   186 0 0
AMERICAN ELEC PWR INC COM 025537101 1,472 19,690 SH   SOLE   19,690 0 0
AMERICAN TOWER CORP NEW COM 03027X100 337 2,129 SH   SOLE   2,129 0 0
APPLE INC COM 037833100 3,475 22,032 SH   SOLE   22,032 0 0
ARK ETF TR INNOVATION ETF 00214Q104 331 8,903 SH   SOLE   8,903 0 0
AT&T INC COM 00206R102 408 14,300 SH   SOLE   14,300 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 500 2,450 SH   SOLE   2,450 0 0
BOEING CO COM 097023105 1,866 5,785 SH   SOLE   5,785 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 337 6,486 SH   SOLE   6,486 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 311 9,000 SH   SOLE   9,000 0 0
CHEVRON CORP NEW COM 166764100 1,078 9,910 SH   SOLE   9,910 0 0
CIGNA CORP NEW COM 125523100 818 4,305 SH   SOLE   4,305 0 0
COCA COLA CO COM 191216100 274 5,796 SH   SOLE   5,796 0 0
COMMERCE BANCSHARES INC COM 200525103 1,049 18,614 SH   SOLE   18,614 0 0
CONOCOPHILLIPS COM 20825C104 663 10,638 SH   SOLE   10,638 0 0
CSX CORP COM 126408103 1,056 17,000 SH   SOLE   17,000 0 0
DISNEY WALT CO COM DISNEY 254687106 1,378 12,567 SH   SOLE   12,567 0 0
DOWDUPONT INC COM 26078J100 450 8,413 SH   SOLE   8,413 0 0
ECOLAB INC COM 278865100 1,479 10,040 SH   SOLE   10,040 0 0
EXXON MOBIL CORP COM 30231G102 877 12,863 SH   SOLE   12,863 0 0
FEDEX CORP COM 31428X106 796 4,931 SH   SOLE   4,931 0 0
GENERAL ELECTRIC CO COM 369604103 257 33,890 SH   SOLE   33,890 0 0
HOME DEPOT INC COM 437076102 762 4,434 SH   SOLE   4,434 0 0
INTEL CORP COM 458140100 1,656 35,280 SH   SOLE   35,280 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 500 4,402 SH   SOLE   4,402 0 0
INVESCO EXCHNG TRADED FD TR S&P500 HDL VOL 46138E362 562 14,720 SH   SOLE   14,720 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 4,068 72,810 SH   SOLE   72,810 0 0
ISHARES TR COHEN STEER REIT 464287564 398 4,155 SH   SOLE   4,155 0 0
ISHARES TR EDGE MSCI MINM 46435G433 2,439 83,945 SH   SOLE   83,945 0 0
ISHARES TR IBONDS DEC 46435U697 687 27,000 SH   SOLE   27,000 0 0
ISHARES TR IBONDS DEC2021 46435G789 1,137 44,685 SH   SOLE   44,685 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,118 43,635 SH   SOLE   43,635 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,025 40,835 SH   SOLE   40,835 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 1,129 44,465 SH   SOLE   44,465 0 0
ISHARES TR IBONDS SEP2020 46434V571 1,107 43,645 SH   SOLE   43,645 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 16,261 243,943 SH   SOLE   243,943 0 0
ISHARES TR MIN VOL USA ETF 46429B697 16,846 321,497 SH   SOLE   321,497 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 467 11,960 SH   SOLE   11,960 0 0
ISHARES TR TIPS BD ETF 464287176 214 1,950 SH   SOLE   1,950 0 0
ISHARES TR U.S. TECH ETF 464287721 629 3,934 SH   SOLE   3,934 0 0
ISHARES TR USA MOMENTUM FCT 46432F396 7,277 72,600 SH   SOLE   72,600 0 0
JOHNSON & JOHNSON COM 478160104 2,093 16,215 SH   SOLE   16,215 0 0
JP MORGAN EXCHANGE TRADED FD GLOBAL BD OPRT 46641Q852 4,973 105,110 SH   SOLE   105,110 0 0
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 29,537 589,216 SH   SOLE   589,216 0 0
JPMORGAN CHASE & CO COM 46625H100 543 5,567 SH   SOLE   5,567 0 0
MICROSOFT CORP COM 594918104 379 3,736 SH   SOLE   3,736 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,122 7,500 SH   SOLE   7,500 0 0
ORACLE CORP COM 68389X105 277 6,125 SH   SOLE   6,125 0 0
PAYCHEX INC COM 704326107 963 14,780 SH   SOLE   14,780 0 0
PEPSICO INC COM 713448108 673 6,093 SH   SOLE   6,093 0 0
PFIZER INC COM 717081103 2,473 56,655 SH   SOLE   56,655 0 0
PHILLIPS 66 COM 718546104 509 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 124 15,517 SH   SOLE   15,517 0 0
PRICE T ROWE GROUP INC COM 74144T108 403 4,370 SH   SOLE   4,370 0 0
PROCTER AND GAMBLE CO COM 742718109 281 3,061 SH   SOLE   3,061 0 0
QUALCOMM INC COM 747525103 500 8,790 SH   SOLE   8,790 0 0
SCHLUMBERGER LTD COM 806857108 289 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 728 13,743 SH   SOLE   13,743 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 517 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 6,604 261,875 SH   SOLE   261,875 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 709 14,200 SH   SOLE   14,200 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 687 13,575 SH   SOLE   13,575 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,477 74,027 SH   SOLE   74,027 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 840 31,775 SH   SOLE   31,775 0 0
TOTAL S A SPONSORED ADR 89151E109 707 13,545 SH   SOLE   13,545 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,213 8,885 SH   SOLE   8,885 0 0
V F CORP COM 918204108 276 3,865 SH   SOLE   3,865 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 613 7,800 SH   SOLE   7,800 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 829 15,275 SH   SOLE   15,275 0 0
VANGUARD GROUP DIV APP ETF 921908844 7,536 76,938 SH   SOLE   76,938 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 3,583 26,670 SH   SOLE   26,670 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 302 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,426 77,955 SH   SOLE   77,955 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 979 7,085 SH   SOLE   7,085 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6,570 88,112 SH   SOLE   88,112 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,885 95,429 SH   SOLE   95,429 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,936 22,243 SH   SOLE   22,243 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 877 6,874 SH   SOLE   6,874 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,388 34,585 SH   SOLE   34,585 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,510 144,629 SH   SOLE   144,629 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,331 170,650 SH   SOLE   170,650 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 247 3,166 SH   SOLE   3,166 0 0
VISA INC COM CL A 92826C839 1,437 10,892 SH   SOLE   10,892 0 0
W R BERKLEY CORPORATION COM 084423102 1,028 13,915 SH   SOLE   13,915 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 1,824 26,700 SH   SOLE   26,700 0 0
WASTE MGMT INC DEL COM 94106L109 1,576 17,710 SH   SOLE   17,710 0 0