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 545 2,743 SH   SOLE   0 0 2,743
ABBOTT LABS COM 002824100 1,086 9,369 SH   SOLE   0 0 9,369
ABBVIE INC COM 00287Y109 456 4,045 SH   SOLE   0 0 4,045
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 493 1,674 SH   SOLE   0 0 1,674
ADOBE SYSTEMS INCORPORATED COM 00724F101 391 667 SH   SOLE   0 0 667
AFLAC INC COM 001055102 382 7,114 SH   SOLE   0 0 7,114
AIR PRODS & CHEMS INC COM 009158106 270 940 SH   SOLE   0 0 940
ALLSTATE CORP COM 020002101 512 3,928 SH   SOLE   0 0 3,928
ALPHABET INC CAP STK CL A 02079K305 405 166 SH   SOLE   0 0 166
ALPHABET INC CAP STK CL C 02079K107 609 243 SH   SOLE   0 0 243
AMAZON COM INC COM 023135106 1,197 348 SH   SOLE   0 0 348
AMERICAN ELEC PWR CO INC COM 025537101 1,313 15,520 SH   SOLE   0 0 15,520
AMERICAN TOWER CORP NEW COM 03027X100 362 1,339 SH   SOLE   0 0 1,339
ANALOG DEVICES INC COM 032654105 510 2,964 SH   SOLE   0 0 2,964
APPLE INC COM 037833100 8,595 62,754 SH   SOLE   0 0 62,754
ARCHER DANIELS MIDLAND CO COM 039483102 340 5,616 SH   SOLE   0 0 5,616
ASML HOLDING N V N Y REGISTRY SHS N07059210 257 372 SH   SOLE   0 0 372
AT&T INC COM 00206R102 371 12,893 SH   SOLE   0 0 12,893
AUTOMATIC DATA PROCESSING IN COM 053015103 997 5,021 SH   SOLE   0 0 5,021
BECTON DICKINSON & CO COM 075887109 383 1,576 SH   SOLE   0 0 1,576
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,019 3,665 SH   SOLE   0 0 3,665
BK OF AMERICA CORP COM 060505104 307 7,452 SH   SOLE   0 0 7,452
BLACKROCK INC COM 09247X101 223 255 SH   SOLE   0 0 255
BLACKROCK MUNIASSETS FD INC COM 09254J102 479 28,416 SH   SOLE   0 0 28,416
BOEING CO COM 097023105 1,034 4,318 SH   SOLE   0 0 4,318
BRISTOL-MYERS SQUIBB CO COM 110122108 942 14,097 SH   SOLE   0 0 14,097
CATERPILLAR INC COM 149123101 956 4,393 SH   SOLE   0 0 4,393
CHEVRON CORP NEW COM 166764100 732 6,987 SH   SOLE   0 0 6,987
CHUBB LIMITED COM H1467J104 295 1,856 SH   SOLE   0 0 1,856
CINCINNATI FINL CORP COM 172062101 433 3,716 SH   SOLE   0 0 3,716
CISCO SYS INC COM 17275R102 1,248 23,552 SH   SOLE   0 0 23,552
COCA COLA CO COM 191216100 934 17,254 SH   SOLE   0 0 17,254
COLGATE PALMOLIVE CO COM 194162103 245 3,011 SH   SOLE   0 0 3,011
COMCAST CORP NEW CL A 20030N101 407 7,144 SH   SOLE   0 0 7,144
COSTCO WHSL CORP NEW COM 22160K105 605 1,529 SH   SOLE   0 0 1,529
DIAGEO PLC SPON ADR NEW 25243Q205 209 1,092 SH   SOLE   0 0 1,092
DISNEY WALT CO COM 254687106 1,962 11,162 SH   SOLE   0 0 11,162
DNP SELECT INCOME FD INC COM 23325P104 913 87,374 SH   SOLE   0 0 87,374
EASTMAN CHEM CO COM 277432100 245 2,100 SH   SOLE   0 0 2,100
EMERSON ELEC CO COM 291011104 228 2,365 SH   SOLE   0 0 2,365
ENBRIDGE INC COM 29250N105 372 9,280 SH   SOLE   0 0 9,280
EVERSOURCE ENERGY COM 30040W108 212 2,643 SH   SOLE   0 0 2,643
EXXON MOBIL CORP COM 30231G102 908 14,402 SH   SOLE   0 0 14,402
FACEBOOK INC CL A 30303M102 305 878 SH   SOLE   0 0 878
FACTSET RESH SYS INC COM 303075105 270 805 SH   SOLE   0 0 805
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 312 5,746 SH   SOLE   0 0 5,746
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 277 6,384 SH   SOLE   0 0 6,384
FLEXSHARES TR MORNSTAR UPSTR 33939L407 221 5,778 SH   SOLE   0 0 5,778
FORD MTR CO DEL COM 345370860 517 34,758 SH   SOLE   0 0 34,758
GENERAL DYNAMICS CORP COM 369550108 616 3,272 SH   SOLE   0 0 3,272
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 237 5,963 SH   SOLE   0 0 5,963
GOLDMAN SACHS GROUP INC COM 38141G104 301 794 SH   SOLE   0 0 794
HOME DEPOT INC COM 437076102 1,647 5,166 SH   SOLE   0 0 5,166
HUNTINGTON BANCSHARES INC COM 446150104 231 16,185 SH   SOLE   0 0 16,185
ILLINOIS TOOL WKS INC COM 452308109 335 1,500 SH   SOLE   0 0 1,500
INTEL CORP COM 458140100 741 13,195 SH   SOLE   0 0 13,195
INTERNATIONAL BUSINESS MACHS COM 459200101 662 4,518 SH   SOLE   0 0 4,518
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 656 10,768 SH   SOLE   0 0 10,768
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 554 6,178 SH   SOLE   0 0 6,178
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 368 7,040 SH   SOLE   0 0 7,040
ISHARES SILVER TR ISHARES 46428Q109 808 33,374 SH   SOLE   0 0 33,374
ISHARES TR 0-5 YR TIPS ETF 46429B747 590 5,553 SH   SOLE   0 0 5,553
ISHARES TR 0-5YR HI YL CP 46434V407 1,611 34,969 SH   SOLE   0 0 34,969
ISHARES TR CORE DIV GRWTH 46434V621 904 17,944 SH   SOLE   0 0 17,944
ISHARES TR CORE HIGH DV ETF 46429B663 650 6,735 SH   SOLE   0 0 6,735
ISHARES TR CORE MSCI EAFE 46432F842 7,926 105,875 SH   SOLE   0 0 105,875
ISHARES TR CORE S&P MCP ETF 464287507 2,245 8,355 SH   SOLE   0 0 8,355
ISHARES TR CORE S&P SCP ETF 464287804 307 2,718 SH   SOLE   0 0 2,718
ISHARES TR CORE S&P500 ETF 464287200 4,496 10,457 SH   SOLE   0 0 10,457
ISHARES TR ISHS 1-5YR INVS 464288646 2,405 43,877 SH   SOLE   0 0 43,877
ISHARES TR ISHS 5-10YR INVT 464288638 489 8,083 SH   SOLE   0 0 8,083
ISHARES TR MSCI EAFE ETF 464287465 3,858 48,913 SH   SOLE   0 0 48,913
ISHARES TR MSCI EAFE MIN VL 46429B689 2,541 33,642 SH   SOLE   0 0 33,642
ISHARES TR MSCI USA MIN VOL 46429B697 6,630 90,069 SH   SOLE   0 0 90,069
ISHARES TR NATIONAL MUN ETF 464288414 894 7,626 SH   SOLE   0 0 7,626
ISHARES TR RUS 1000 GRW ETF 464287614 13,155 48,458 SH   SOLE   0 0 48,458
ISHARES TR RUS 1000 VAL ETF 464287598 11,671 73,577 SH   SOLE   0 0 73,577
ISHARES TR RUS 2000 GRW ETF 464287648 2,261 7,254 SH   SOLE   0 0 7,254
ISHARES TR RUS 2000 VAL ETF 464287630 3,176 19,160 SH   SOLE   0 0 19,160
ISHARES TR RUS MD CP GR ETF 464287481 3,578 31,612 SH   SOLE   0 0 31,612
ISHARES TR RUS MDCP VAL ETF 464287473 3,241 28,190 SH   SOLE   0 0 28,190
ISHARES TR RUS MID CAP ETF 464287499 274 3,463 SH   SOLE   0 0 3,463
ISHARES TR RUSSELL 2000 ETF 464287655 1,164 5,074 SH   SOLE   0 0 5,074
ISHARES TR S&P 500 GRWT ETF 464287309 3,938 54,151 SH   SOLE   0 0 54,151
ISHARES TR S&P 500 VAL ETF 464287408 3,436 23,274 SH   SOLE   0 0 23,274
ISHARES TR SELECT DIVID ETF 464287168 566 4,853 SH   SOLE   0 0 4,853
ISHARES TR US TELECOM ETF 464287713 329 9,900 SH   SOLE   0 0 9,900
JOHNSON & JOHNSON COM 478160104 1,395 8,468 SH   SOLE   0 0 8,468
JPMORGAN CHASE & CO COM 46625H100 3,315 21,313 SH   SOLE   0 0 21,313
KEYCORP COM 493267108 206 9,989 SH   SOLE   0 0 9,989
L3HARRIS TECHNOLOGIES INC COM 502431109 364 1,683 SH   SOLE   0 0 1,683
LCNB CORP COM 50181P100 296 18,086 SH   SOLE   0 0 18,086
LILLY ELI & CO COM 532457108 1,332 5,805 SH   SOLE   0 0 5,805
LOCKHEED MARTIN CORP COM 539830109 632 1,670 SH   SOLE   0 0 1,670
LOWES COS INC COM 548661107 743 3,832 SH   SOLE   0 0 3,832
MCDONALDS CORP COM 580135101 788 3,412 SH   SOLE   0 0 3,412
MEDTRONIC PLC SHS G5960L103 463 3,727 SH   SOLE   0 0 3,727
MERCK & CO INC COM 58933Y105 393 5,059 SH   SOLE   0 0 5,059
MICROSOFT CORP COM 594918104 7,073 26,111 SH   SOLE   0 0 26,111
NEXTERA ENERGY INC COM 65339F101 764 10,424 SH   SOLE   0 0 10,424
NIKE INC CL B 654106103 672 4,347 SH   SOLE   0 0 4,347
NORFOLK SOUTHN CORP COM 655844108 457 1,721 SH   SOLE   0 0 1,721
NORTHROP GRUMMAN CORP COM 666807102 402 1,105 SH   SOLE   0 0 1,105
NVIDIA CORPORATION COM 67066G104 283 354 SH   SOLE   0 0 354
ORACLE CORP COM 68389X105 1,017 13,068 SH   SOLE   0 0 13,068
PAYCHEX INC COM 704326107 400 3,728 SH   SOLE   0 0 3,728
PAYPAL HLDGS INC COM 70450Y103 802 2,750 SH   SOLE   0 0 2,750
PEPSICO INC COM 713448108 1,000 6,749 SH   SOLE   0 0 6,749
PFIZER INC COM 717081103 1,001 25,559 SH   SOLE   0 0 25,559
PHILLIPS 66 COM 718546104 203 2,366 SH   SOLE   0 0 2,366
PRICE T ROWE GROUP INC COM 74144T108 299 1,511 SH   SOLE   0 0 1,511
PROCTER AND GAMBLE CO COM 742718109 1,259 9,330 SH   SOLE   0 0 9,330
PROGRESSIVE CORP COM 743315103 347 3,535 SH   SOLE   0 0 3,535
QUALCOMM INC COM 747525103 288 2,018 SH   SOLE   0 0 2,018
RAYTHEON TECHNOLOGIES CORP COM 75513E101 248 2,911 SH   SOLE   0 0 2,911
SABA CAPITAL INCOME & OPRNT SHARES 78518H103 379 80,430 SH   SOLE   0 0 80,430
SCOTTS MIRACLE-GRO CO CL A 810186106 350 1,821 SH   SOLE   0 0 1,821
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 334 4,122 SH   SOLE   0 0 4,122
SELECT SECTOR SPDR TR ENERGY 81369Y506 518 9,623 SH   SOLE   0 0 9,623
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 485 13,214 SH   SOLE   0 0 13,214
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 336 3,285 SH   SOLE   0 0 3,285
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,326 36,791 SH   SOLE   0 0 36,791
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 645 7,831 SH   SOLE   0 0 7,831
SIRIUS XM HOLDINGS INC COM 82968B103 237 36,305 SH   SOLE   0 0 36,305
SOUTHWEST AIRLS CO COM 844741108 271 5,100 SH   SOLE   0 0 5,100
SPDR GOLD TR GOLD SHS 78463V107 391 2,361 SH   SOLE   0 0 2,361
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,634 6,154 SH   SOLE   0 0 6,154
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 296 603 SH   SOLE   0 0 603
SPDR SER TR NUVEEN BLMBRG SR 78468R739 363 7,327 SH   SOLE   0 0 7,327
SPDR SER TR PRTFLO S&P500 GW 78464A409 218 3,463 SH   SOLE   0 0 3,463
SPDR SER TR PRTFLO S&P500 VL 78464A508 302 7,647 SH   SOLE   0 0 7,647
SPDR SER TR S&P BIOTECH 78464A870 454 3,353 SH   SOLE   0 0 3,353
SPDR SER TR S&P DIVID ETF 78464A763 2,083 17,035 SH   SOLE   0 0 17,035
STARBUCKS CORP COM 855244109 244 2,184 SH   SOLE   0 0 2,184
SYSCO CORP COM 871829107 261 3,355 SH   SOLE   0 0 3,355
TARGET CORP COM 87612E106 259 1,070 SH   SOLE   0 0 1,070
TESLA INC COM 88160R101 6,648 9,781 SH   SOLE   0 0 9,781
THERMO FISHER SCIENTIFIC INC COM 883556102 624 1,237 SH   SOLE   0 0 1,237
TORO CO COM 891092108 408 3,716 SH   SOLE   0 0 3,716
TORONTO DOMINION BK ONT COM NEW 891160509 207 2,949 SH   SOLE   0 0 2,949
TYSON FOODS INC CL A 902494103 216 2,931 SH   SOLE   0 0 2,931
UNITEDHEALTH GROUP INC COM 91324P102 770 1,923 SH   SOLE   0 0 1,923
US BANCORP DEL COM NEW 902973304 249 4,379 SH   SOLE   0 0 4,379
V F CORP COM 918204108 261 3,183 SH   SOLE   0 0 3,183
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,921 23,376 SH   SOLE   0 0 23,376
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 390 4,537 SH   SOLE   0 0 4,537
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 941 16,475 SH   SOLE   0 0 16,475
VANGUARD INDEX FDS MID CAP ETF 922908629 4,300 18,116 SH   SOLE   0 0 18,116
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,191 21,527 SH   SOLE   0 0 21,527
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,218 14,286 SH   SOLE   0 0 14,286
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,927 109,129 SH   SOLE   0 0 109,129
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,815 20,633 SH   SOLE   0 0 20,633
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 333 4,791 SH   SOLE   0 0 4,791
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,832 31,214 SH   SOLE   0 0 31,214
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,878 152,911 SH   SOLE   0 0 152,911
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,044 34,801 SH   SOLE   0 0 34,801
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 373 4,120 SH   SOLE   0 0 4,120
VERIZON COMMUNICATIONS INC COM 92343V104 1,291 23,037 SH   SOLE   0 0 23,037
VISA INC COM CL A 92826C839 1,893 8,096 SH   SOLE   0 0 8,096
WALMART INC COM 931142103 1,378 9,774 SH   SOLE   0 0 9,774
WEC ENERGY GROUP INC COM 92939U106 260 2,922 SH   SOLE   0 0 2,922
WORTHINGTON INDS INC COM 981811102 205 3,344 SH   SOLE   0 0 3,344
XYLEM INC COM 98419M100 279 2,329 SH   SOLE   0 0 2,329
YUM BRANDS INC COM 988498101 363 3,153 SH   SOLE   0 0 3,153
ZIMMER BIOMET HOLDINGS INC COM 98956P102 232 1,440 SH   SOLE   0 0 1,440