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 236 1,727 SH   SOLE   0 0 1,727
ABBOTT LABS COM 002824100 847 10,734 SH   SOLE   0 0 10,734
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 240 1,468 SH   SOLE   0 0 1,468
ADOBE INC COM 00724F101 278 873 SH   SOLE   0 0 873
AFLAC INC COM 001055102 237 6,920 SH   SOLE   0 0 6,920
ALLSTATE CORP COM 020002101 541 5,903 SH   SOLE   0 0 5,903
ALPHABET INC CAP STK CL C 02079K107 306 263 SH   SOLE   0 0 263
ALPS ETF TR ALERIAN MLP 00162Q866 38 11,050 SH   SOLE   0 0 11,050
AMAZON COM INC COM 023135106 517 265 SH   SOLE   0 0 265
AMERICAN ELEC PWR CO INC COM 025537101 1,314 16,431 SH   SOLE   0 0 16,431
ANALOG DEVICES INC COM 032654105 260 2,900 SH   SOLE   0 0 2,900
APPLE INC COM 037833100 3,931 15,457 SH   SOLE   0 0 15,457
AT&T INC COM 00206R102 612 20,998 SH   SOLE   0 0 20,998
AUTOMATIC DATA PROCESSING IN COM 053015103 1,085 7,941 SH   SOLE   0 0 7,941
BECTON DICKINSON & CO COM 075887109 299 1,303 SH   SOLE   0 0 1,303
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 697 3,812 SH   SOLE   0 0 3,812
BIOGEN INC COM 09062X103 348 1,100 SH   SOLE   0 0 1,100
BK OF AMERICA CORP COM 060505104 203 9,567 SH   SOLE   0 0 9,567
BOEING CO COM 097023105 711 4,765 SH   SOLE   0 0 4,765
BRISTOL-MYERS SQUIBB CO COM 110122108 1,028 18,443 SH   SOLE   0 0 18,443
CATERPILLAR INC DEL COM 149123101 846 7,293 SH   SOLE   0 0 7,293
CHEVRON CORP NEW COM 166764100 393 5,418 SH   SOLE   0 0 5,418
CHUBB LIMITED COM H1467J104 202 1,809 SH   SOLE   0 0 1,809
CINCINNATI FINL CORP COM 172062101 329 4,356 SH   SOLE   0 0 4,356
CISCO SYS INC COM 17275R102 1,083 27,558 SH   SOLE   0 0 27,558
CLOROX CO DEL COM 189054109 296 1,706 SH   SOLE   0 0 1,706
COCA COLA CO COM 191216100 877 19,816 SH   SOLE   0 0 19,816
COLGATE PALMOLIVE CO COM 194162103 369 5,564 SH   SOLE   0 0 5,564
COMCAST CORP NEW CL A 20030N101 212 6,162 SH   SOLE   0 0 6,162
COSTCO WHSL CORP NEW COM 22160K105 342 1,198 SH   SOLE   0 0 1,198
DISNEY WALT CO COM DISNEY 254687106 1,235 12,780 SH   SOLE   0 0 12,780
DNP SELECT INCOME FD COM 23325P104 674 68,883 SH   SOLE   0 0 68,883
DOW INC COM 260557103 214 7,332 SH   SOLE   0 0 7,332
DTE ENERGY CO COM 233331107 225 2,368 SH   SOLE   0 0 2,368
DUPONT DE NEMOURS INC COM 26614N102 213 6,240 SH   SOLE   0 0 6,240
ENBRIDGE INC COM 29250N105 378 13,004 SH   SOLE   0 0 13,004
EVERSOURCE ENERGY COM 30040W108 200 2,564 SH   SOLE   0 0 2,564
EXXON MOBIL CORP COM 30231G102 527 13,886 SH   SOLE   0 0 13,886
FACTSET RESH SYS INC COM 303075105 221 848 SH   SOLE   0 0 848
FARMERS NATIONAL BANC CORP COM 309627107 125 10,720 SH   SOLE   0 0 10,720
FORD MTR CO DEL COM 345370860 58 12,096 SH   SOLE   0 0 12,096
GENERAL ELECTRIC CO COM 369604103 80 10,068 SH   SOLE   0 0 10,068
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 246 6,486 SH   SOLE   0 0 6,486
HOME DEPOT INC COM 437076102 1,327 7,107 SH   SOLE   0 0 7,107
ILLINOIS TOOL WKS INC COM 452308109 208 1,462 SH   SOLE   0 0 1,462
INTEL CORP COM 458140100 986 18,216 SH   SOLE   0 0 18,216
INTERNATIONAL BUSINESS MACHS COM 459200101 528 4,755 SH   SOLE   0 0 4,755
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 293 26,000 SH   SOLE   0 0 26,000
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 521 9,653 SH   SOLE   0 0 9,653
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 513 10,923 SH   SOLE   0 0 10,923
ISHARES INC CORE MSCI EMKT 46434G103 1,995 49,306 SH   SOLE   0 0 49,306
ISHARES SILVER TRUST ISHARES 46428Q109 529 40,574 SH   SOLE   0 0 40,574
ISHARES TR CORE S&P500 ETF 464287200 3,222 12,468 SH   SOLE   0 0 12,468
ISHARES TR S&P 500 GRWT ETF 464287309 1,797 10,885 SH   SOLE   0 0 10,885
ISHARES TR S&P 500 VAL ETF 464287408 1,670 17,351 SH   SOLE   0 0 17,351
ISHARES TR MSCI EAFE ETF 464287465 2,820 52,757 SH   SOLE   0 0 52,757
ISHARES TR RUS MDCP VAL ETF 464287473 2,213 34,531 SH   SOLE   0 0 34,531
ISHARES TR RUS MD CP GR ETF 464287481 1,721 14,156 SH   SOLE   0 0 14,156
ISHARES TR CORE S&P MCP ETF 464287507 1,388 9,649 SH   SOLE   0 0 9,649
ISHARES TR RUS 1000 VAL ETF 464287598 7,158 72,168 SH   SOLE   0 0 72,168
ISHARES TR RUS 1000 GRW ETF 464287614 7,355 48,819 SH   SOLE   0 0 48,819
ISHARES TR RUS 2000 VAL ETF 464287630 1,727 21,053 SH   SOLE   0 0 21,053
ISHARES TR RUS 2000 GRW ETF 464287648 1,620 10,245 SH   SOLE   0 0 10,245
ISHARES TR RUSSELL 2000 ETF 464287655 399 3,489 SH   SOLE   0 0 3,489
ISHARES TR NATIONAL MUN ETF 464288414 398 3,524 SH   SOLE   0 0 3,524
ISHARES TR INTRM TR CRP ETF 464288638 1,422 25,892 SH   SOLE   0 0 25,892
ISHARES TR SH TR CRPORT ETF 464288646 986 18,827 SH   SOLE   0 0 18,827
ISHARES TR CORE HIGH DV ETF 46429B663 681 9,524 SH   SOLE   0 0 9,524
ISHARES TR MIN VOL EAFE ETF 46429B689 2,065 33,282 SH   SOLE   0 0 33,282
ISHARES TR MSCI MIN VOL ETF 46429B697 4,235 78,421 SH   SOLE   0 0 78,421
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,736 27,384 SH   SOLE   0 0 27,384
ISHARES TR CORE MSCI EAFE 46432F842 5,152 103,266 SH   SOLE   0 0 103,266
ISHARES TR 0-5YR HI YL CP 46434V407 456 11,161 SH   SOLE   0 0 11,161
ISHARES TR CORE DIV GRWTH 46434V621 575 17,644 SH   SOLE   0 0 17,644
JOHNSON & JOHNSON COM 478160104 1,096 8,362 SH   SOLE   0 0 8,362
JPMORGAN CHASE & CO COM 46625H100 1,770 19,657 SH   SOLE   0 0 19,657
KEYCORP COM 493267108 153 14,726 SH   SOLE   0 0 14,726
KIMBERLY CLARK CORP COM 494368103 244 1,912 SH   SOLE   0 0 1,912
L3HARRIS TECHNOLOGIES INC COM 502431109 305 1,696 SH   SOLE   0 0 1,696
LCNB CORP COM 50181P100 145 11,515 SH   SOLE   0 0 11,515
LILLY ELI & CO COM 532457108 1,055 7,607 SH   SOLE   0 0 7,607
LOCKHEED MARTIN CORP COM 539830109 574 1,694 SH   SOLE   0 0 1,694
LOWES COS INC COM 548661107 341 3,967 SH   SOLE   0 0 3,967
MCDONALDS CORP COM 580135101 425 2,572 SH   SOLE   0 0 2,572
MEDTRONIC PLC SHS G5960L103 286 3,167 SH   SOLE   0 0 3,167
MERCK & CO. INC COM 58933Y105 553 7,185 SH   SOLE   0 0 7,185
MICROSOFT CORP COM 594918104 4,754 30,143 SH   SOLE   0 0 30,143
NEXTERA ENERGY INC COM 65339F101 628 2,610 SH   SOLE   0 0 2,610
NIKE INC CL B 654106103 226 2,731 SH   SOLE   0 0 2,731
NORFOLK SOUTHERN CORP COM 655844108 255 1,744 SH   SOLE   0 0 1,744
ORACLE CORP COM 68389X105 738 15,270 SH   SOLE   0 0 15,270
PEPSICO INC COM 713448108 821 6,835 SH   SOLE   0 0 6,835
PFIZER INC COM 717081103 1,318 40,380 SH   SOLE   0 0 40,380
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,548 66,150 SH   SOLE   0 0 66,150
PROCTER & GAMBLE CO COM 742718109 1,299 11,813 SH   SOLE   0 0 11,813
PROGRESSIVE CORP OHIO COM 743315103 318 4,302 SH   SOLE   0 0 4,302
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,048 36,961 SH   SOLE   0 0 36,961
SIRIUS XM HLDGS INC COM 82968B103 179 36,305 SH   SOLE   0 0 36,305
SPDR GOLD TRUST GOLD SHS 78463V107 237 1,601 SH   SOLE   0 0 1,601
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 1,574 51,382 SH   SOLE   0 0 51,382
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,360 5,276 SH   SOLE   0 0 5,276
SPDR SER TR WELLS FG PFD ETF 78464A292 615 15,695 SH   SOLE   0 0 15,695
SPDR SER TR S&P DIVID ETF 78464A763 3,244 40,618 SH   SOLE   0 0 40,618
TESLA INC COM 88160R101 1,055 2,014 SH   SOLE   0 0 2,014
THERMO FISHER SCIENTIFIC INC COM 883556102 351 1,236 SH   SOLE   0 0 1,236
TIFFANY & CO NEW COM 886547108 414 3,200 SH   SOLE   0 0 3,200
TIMKENSTEEL CORP COM 887399103 35 10,746 SH   SOLE   0 0 10,746
TORO CO COM 891092108 256 3,927 SH   SOLE   0 0 3,927
UNITED TECHNOLOGIES CORP COM 913017109 279 2,957 SH   SOLE   0 0 2,957
UNITEDHEALTH GROUP INC COM 91324P102 356 1,429 SH   SOLE   0 0 1,429
US BANCORP DEL COM NEW 902973304 226 6,548 SH   SOLE   0 0 6,548
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,662 20,221 SH   SOLE   0 0 20,221
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 316 3,705 SH   SOLE   0 0 3,705
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 574 10,195 SH   SOLE   0 0 10,195
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,400 20,043 SH   SOLE   0 0 20,043
VANGUARD INDEX FDS MID CAP ETF 922908629 2,424 18,411 SH   SOLE   0 0 18,411
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,640 14,204 SH   SOLE   0 0 14,204
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 896 11,449 SH   SOLE   0 0 11,449
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,724 81,204 SH   SOLE   0 0 81,204
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 210 1,795 SH   SOLE   0 0 1,795
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,093 122,752 SH   SOLE   0 0 122,752
VERIZON COMMUNICATIONS INC COM 92343V104 1,288 23,974 SH   SOLE   0 0 23,974
VISA INC COM CL A 92826C839 1,990 12,351 SH   SOLE   0 0 12,351
VOYA PRIME RATE TR SH BEN INT 92913A100 298 80,430 SH   SOLE   0 0 80,430
WALMART INC COM 931142103 1,246 10,969 SH   SOLE   0 0 10,969
YUM BRANDS INC COM 988498101 208 3,037 SH   SOLE   0 0 3,037