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 310 1,767 SH   SOLE   0 0 1,767
ABBOTT LABS COM 002824100 1,183 10,012 SH   SOLE   0 0 10,012
ABBVIE INC COM 00287Y109 439 4,066 SH   SOLE   0 0 4,066
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 599 1,873 SH   SOLE   0 0 1,873
ADOBE SYSTEMS INCORPORATED COM 00724F101 474 823 SH   SOLE   0 0 823
ADVANCE AUTO PARTS INC COM 00751Y106 313 1,496 SH   SOLE   0 0 1,496
AFLAC INC COM 001055102 373 7,148 SH   SOLE   0 0 7,148
AIR PRODS & CHEMS INC COM 009158106 242 944 SH   SOLE   0 0 944
ALBEMARLE CORP COM 012653101 232 1,061 SH   SOLE   0 0 1,061
ALLSTATE CORP COM 020002101 495 3,886 SH   SOLE   0 0 3,886
ALPHABET INC CAP STK CL A 02079K305 444 166 SH   SOLE   0 0 166
ALPHABET INC CAP STK CL C 02079K107 669 251 SH   SOLE   0 0 251
AMAZON COM INC COM 023135106 1,150 350 SH   SOLE   0 0 350
AMERICAN ELEC PWR CO INC COM 025537101 1,303 16,054 SH   SOLE   0 0 16,054
AMERICAN TOWER CORP NEW COM 03027X100 450 1,695 SH   SOLE   0 0 1,695
ANALOG DEVICES INC COM 032654105 601 3,590 SH   SOLE   0 0 3,590
APPLE INC COM 037833100 8,883 62,774 SH   SOLE   0 0 62,774
ARCHER DANIELS MIDLAND CO COM 039483102 307 5,117 SH   SOLE   0 0 5,117
ASML HOLDING N V N Y REGISTRY SHS N07059210 384 515 SH   SOLE   0 0 515
AT&T INC COM 00206R102 272 10,056 SH   SOLE   0 0 10,056
ATLASSIAN CORP PLC CL A G06242104 276 706 SH   SOLE   0 0 706
AUTOMATIC DATA PROCESSING IN COM 053015103 993 4,968 SH   SOLE   0 0 4,968
BECTON DICKINSON & CO COM 075887109 388 1,580 SH   SOLE   0 0 1,580
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,000 3,665 SH   SOLE   0 0 3,665
BK OF AMERICA CORP COM 060505104 317 7,463 SH   SOLE   0 0 7,463
BLACKROCK INC COM 09247X101 293 350 SH   SOLE   0 0 350
BLACKROCK MUNIASSETS FD INC COM 09254J102 454 29,916 SH   SOLE   0 0 29,916
BOEING CO COM 097023105 929 4,226 SH   SOLE   0 0 4,226
BRISTOL-MYERS SQUIBB CO COM 110122108 830 14,025 SH   SOLE   0 0 14,025
CATERPILLAR INC COM 149123101 845 4,399 SH   SOLE   0 0 4,399
CHEVRON CORP NEW COM 166764100 838 8,256 SH   SOLE   0 0 8,256
CHUBB LIMITED COM H1467J104 323 1,864 SH   SOLE   0 0 1,864
CINCINNATI FINL CORP COM 172062101 731 6,396 SH   SOLE   0 0 6,396
CISCO SYS INC COM 17275R102 1,279 23,500 SH   SOLE   0 0 23,500
COCA COLA CO COM 191216100 886 16,885 SH   SOLE   0 0 16,885
COLGATE PALMOLIVE CO COM 194162103 228 3,016 SH   SOLE   0 0 3,016
COMCAST CORP NEW CL A 20030N101 400 7,153 SH   SOLE   0 0 7,153
COSTCO WHSL CORP NEW COM 22160K105 798 1,775 SH   SOLE   0 0 1,775
DIAGEO PLC SPON ADR NEW 25243Q205 211 1,092 SH   SOLE   0 0 1,092
DISNEY WALT CO COM 254687106 1,870 11,054 SH   SOLE   0 0 11,054
DNP SELECT INCOME FD INC COM 23325P104 936 87,766 SH   SOLE   0 0 87,766
EASTMAN CHEM CO COM 277432100 212 2,100 SH   SOLE   0 0 2,100
EMERSON ELEC CO COM 291011104 296 3,139 SH   SOLE   0 0 3,139
ENBRIDGE INC COM 29250N105 370 9,301 SH   SOLE   0 0 9,301
EVERSOURCE ENERGY COM 30040W108 217 2,660 SH   SOLE   0 0 2,660
EXXON MOBIL CORP COM 30231G102 847 14,402 SH   SOLE   0 0 14,402
FACEBOOK INC CL A 30303M102 298 878 SH   SOLE   0 0 878
FACTSET RESH SYS INC COM 303075105 318 807 SH   SOLE   0 0 807
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 326 7,199 SH   SOLE   0 0 7,199
FLEXSHARES TR MORNSTAR UPSTR 33939L407 211 5,778 SH   SOLE   0 0 5,778
FORD MTR CO DEL COM 345370860 492 34,758 SH   SOLE   0 0 34,758
GENERAL DYNAMICS CORP COM 369550108 645 3,292 SH   SOLE   0 0 3,292
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 229 5,987 SH   SOLE   0 0 5,987
GOLDMAN SACHS GROUP INC COM 38141G104 389 1,028 SH   SOLE   0 0 1,028
HOME DEPOT INC COM 437076102 1,700 5,178 SH   SOLE   0 0 5,178
HUNTINGTON BANCSHARES INC COM 446150104 273 17,632 SH   SOLE   0 0 17,632
ILLINOIS TOOL WKS INC COM 452308109 307 1,485 SH   SOLE   0 0 1,485
INTEL CORP COM 458140100 810 15,195 SH   SOLE   0 0 15,195
INTERNATIONAL BUSINESS MACHS COM 459200101 624 4,494 SH   SOLE   0 0 4,494
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 593 9,739 SH   SOLE   0 0 9,739
INVESCO QQQ TR UNIT SER 1 46090E103 335 935 SH   SOLE   0 0 935
ISHARES SILVER TR ISHARES 46428Q109 831 40,474 SH   SOLE   0 0 40,474
ISHARES TR 0-5 YR TIPS ETF 46429B747 436 4,124 SH   SOLE   0 0 4,124
ISHARES TR 0-5YR HI YL CP 46434V407 1,672 36,597 SH   SOLE   0 0 36,597
ISHARES TR CORE DIV GRWTH 46434V621 902 17,944 SH   SOLE   0 0 17,944
ISHARES TR CORE HIGH DV ETF 46429B663 648 6,873 SH   SOLE   0 0 6,873
ISHARES TR CORE MSCI EAFE 46432F842 7,754 104,430 SH   SOLE   0 0 104,430
ISHARES TR CORE S&P MCP ETF 464287507 1,653 6,283 SH   SOLE   0 0 6,283
ISHARES TR CORE S&P SCP ETF 464287804 356 3,256 SH   SOLE   0 0 3,256
ISHARES TR CORE S&P500 ETF 464287200 4,678 10,858 SH   SOLE   0 0 10,858
ISHARES TR ISHS 1-5YR INVS 464288646 2,514 46,005 SH   SOLE   0 0 46,005
ISHARES TR ISHS 5-10YR INVT 464288638 487 8,107 SH   SOLE   0 0 8,107
ISHARES TR MSCI EAFE ETF 464287465 3,882 49,758 SH   SOLE   0 0 49,758
ISHARES TR MSCI EAFE MIN VL 46429B689 2,535 33,645 SH   SOLE   0 0 33,645
ISHARES TR MSCI USA MIN VOL 46429B697 7,029 95,635 SH   SOLE   0 0 95,635
ISHARES TR NATIONAL MUN ETF 464288414 886 7,626 SH   SOLE   0 0 7,626
ISHARES TR RUS 1000 GRW ETF 464287614 13,026 47,531 SH   SOLE   0 0 47,531
ISHARES TR RUS 1000 VAL ETF 464287598 11,360 72,585 SH   SOLE   0 0 72,585
ISHARES TR RUS 2000 GRW ETF 464287648 2,235 7,614 SH   SOLE   0 0 7,614
ISHARES TR RUS 2000 VAL ETF 464287630 2,795 17,441 SH   SOLE   0 0 17,441
ISHARES TR RUS MD CP GR ETF 464287481 3,607 32,182 SH   SOLE   0 0 32,182
ISHARES TR RUS MDCP VAL ETF 464287473 3,296 29,103 SH   SOLE   0 0 29,103
ISHARES TR RUS MID CAP ETF 464287499 271 3,465 SH   SOLE   0 0 3,465
ISHARES TR RUSSELL 2000 ETF 464287655 855 3,910 SH   SOLE   0 0 3,910
ISHARES TR S&P 500 GRWT ETF 464287309 4,002 54,151 SH   SOLE   0 0 54,151
ISHARES TR S&P 500 VAL ETF 464287408 3,467 23,840 SH   SOLE   0 0 23,840
ISHARES TR SELECT DIVID ETF 464287168 558 4,860 SH   SOLE   0 0 4,860
ISHARES TR US TELECOM ETF 464287713 321 9,900 SH   SOLE   0 0 9,900
JOHNSON & JOHNSON COM 478160104 1,364 8,446 SH   SOLE   0 0 8,446
JPMORGAN CHASE & CO COM 46625H100 3,477 21,241 SH   SOLE   0 0 21,241
KEYCORP COM 493267108 217 10,032 SH   SOLE   0 0 10,032
L3HARRIS TECHNOLOGIES INC COM 502431109 372 1,690 SH   SOLE   0 0 1,690
LCNB CORP COM 50181P100 316 18,086 SH   SOLE   0 0 18,086
LILLY ELI & CO COM 532457108 1,343 5,811 SH   SOLE   0 0 5,811
LOCKHEED MARTIN CORP COM 539830109 571 1,655 SH   SOLE   0 0 1,655
LOWES COS INC COM 548661107 780 3,845 SH   SOLE   0 0 3,845
MCDONALDS CORP COM 580135101 1,008 4,180 SH   SOLE   0 0 4,180
MEDTRONIC PLC SHS G5960L103 475 3,791 SH   SOLE   0 0 3,791
MERCK & CO INC COM 58933Y105 381 5,078 SH   SOLE   0 0 5,078
MICROSOFT CORP COM 594918104 7,338 26,027 SH   SOLE   0 0 26,027
NEXTERA ENERGY INC COM 65339F101 821 10,457 SH   SOLE   0 0 10,457
NIKE INC CL B 654106103 728 5,013 SH   SOLE   0 0 5,013
NORFOLK SOUTHN CORP COM 655844108 413 1,728 SH   SOLE   0 0 1,728
NORTHROP GRUMMAN CORP COM 666807102 398 1,105 SH   SOLE   0 0 1,105
NVIDIA CORPORATION COM 67066G104 438 2,116 SH   SOLE   0 0 2,116
ORACLE CORP COM 68389X105 1,139 13,075 SH   SOLE   0 0 13,075
PAYCHEX INC COM 704326107 421 3,743 SH   SOLE   0 0 3,743
PAYPAL HLDGS INC COM 70450Y103 846 3,250 SH   SOLE   0 0 3,250
PEPSICO INC COM 713448108 1,079 7,177 SH   SOLE   0 0 7,177
PFIZER INC COM 717081103 1,104 25,679 SH   SOLE   0 0 25,679
PRICE T ROWE GROUP INC COM 74144T108 299 1,520 SH   SOLE   0 0 1,520
PROCTER AND GAMBLE CO COM 742718109 1,300 9,296 SH   SOLE   0 0 9,296
QUALCOMM INC COM 747525103 261 2,024 SH   SOLE   0 0 2,024
RAYTHEON TECHNOLOGIES CORP COM 75513E101 251 2,925 SH   SOLE   0 0 2,925
SABA CAPITAL INCOME & OPRNT SHARES 78518H103 366 80,430 SH   SOLE   0 0 80,430
SCOTTS MIRACLE-GRO CO CL A 810186106 267 1,825 SH   SOLE   0 0 1,825
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 331 4,126 SH   SOLE   0 0 4,126
SELECT SECTOR SPDR TR ENERGY 81369Y506 496 9,528 SH   SOLE   0 0 9,528
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 506 13,470 SH   SOLE   0 0 13,470
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 395 3,100 SH   SOLE   0 0 3,100
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 330 3,375 SH   SOLE   0 0 3,375
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,401 37,591 SH   SOLE   0 0 37,591
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 629 7,950 SH   SOLE   0 0 7,950
SIRIUS XM HOLDINGS INC COM 82968B103 221 36,305 SH   SOLE   0 0 36,305
SOUTHWEST AIRLS CO COM 844741108 262 5,100 SH   SOLE   0 0 5,100
SPDR GOLD TR GOLD SHS 78463V107 733 4,461 SH   SOLE   0 0 4,461
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,813 6,555 SH   SOLE   0 0 6,555
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 285 593 SH   SOLE   0 0 593
SPDR SER TR NUVEEN BLMBRG SR 78468R739 362 7,327 SH   SOLE   0 0 7,327
SPDR SER TR PRTFLO S&P500 GW 78464A409 212 3,314 SH   SOLE   0 0 3,314
SPDR SER TR PRTFLO S&P500 VL 78464A508 314 8,047 SH   SOLE   0 0 8,047
SPDR SER TR S&P BIOTECH 78464A870 594 4,725 SH   SOLE   0 0 4,725
SPDR SER TR S&P DIVID ETF 78464A763 2,079 17,690 SH   SOLE   0 0 17,690
STARBUCKS CORP COM 855244109 336 3,042 SH   SOLE   0 0 3,042
SYSCO CORP COM 871829107 265 3,372 SH   SOLE   0 0 3,372
TARGET CORP COM 87612E106 245 1,072 SH   SOLE   0 0 1,072
TESLA INC COM 88160R101 7,585 9,781 SH   SOLE   0 0 9,781
THERMO FISHER SCIENTIFIC INC COM 883556102 707 1,238 SH   SOLE   0 0 1,238
UNITED PARCEL SERVICE INC CL B 911312106 350 1,919 SH   SOLE   0 0 1,919
UNITEDHEALTH GROUP INC COM 91324P102 831 2,128 SH   SOLE   0 0 2,128
US BANCORP DEL COM NEW 902973304 261 4,396 SH   SOLE   0 0 4,396
V F CORP COM 918204108 215 3,204 SH   SOLE   0 0 3,204
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,985 24,225 SH   SOLE   0 0 24,225
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 374 4,382 SH   SOLE   0 0 4,382
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 983 17,253 SH   SOLE   0 0 17,253
VANGUARD INDEX FDS MID CAP ETF 922908629 4,197 17,725 SH   SOLE   0 0 17,725
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,192 21,532 SH   SOLE   0 0 21,532
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,071 14,044 SH   SOLE   0 0 14,044
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,634 112,650 SH   SOLE   0 0 112,650
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,870 21,467 SH   SOLE   0 0 21,467
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 330 4,809 SH   SOLE   0 0 4,809
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,796 31,227 SH   SOLE   0 0 31,227
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,035 159,131 SH   SOLE   0 0 159,131
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,069 35,182 SH   SOLE   0 0 35,182
VERIZON COMMUNICATIONS INC COM 92343V104 1,244 23,039 SH   SOLE   0 0 23,039
VISA INC COM CL A 92826C839 1,711 7,683 SH   SOLE   0 0 7,683
WALMART INC COM 931142103 1,356 9,731 SH   SOLE   0 0 9,731
WEC ENERGY GROUP INC COM 92939U106 213 2,412 SH   SOLE   0 0 2,412
XYLEM INC COM 98419M100 288 2,329 SH   SOLE   0 0 2,329
YUM BRANDS INC COM 988498101 386 3,153 SH   SOLE   0 0 3,153
ZIMMER BIOMET HOLDINGS INC COM 98956P102 204 1,391 SH   SOLE   0 0 1,391