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 315 2,116 SH   SOLE   0 0 2,116
ABBOTT LABS COM 002824100 1,358 11,475 SH   SOLE   0 0 11,475
ABBVIE INC COM 00287Y109 838 5,166 SH   SOLE   0 0 5,166
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 600 1,780 SH   SOLE   0 0 1,780
ADOBE SYSTEMS INCORPORATED COM 00724F101 438 961 SH   SOLE   0 0 961
ADVANCE AUTO PARTS INC COM 00751Y106 277 1,341 SH   SOLE   0 0 1,341
AFLAC INC COM 001055102 436 6,771 SH   SOLE   0 0 6,771
AIR PRODS & CHEMS INC COM 009158106 216 866 SH   SOLE   0 0 866
ALBEMARLE CORP COM 012653101 326 1,474 SH   SOLE   0 0 1,474
ALLSTATE CORP COM 020002101 540 3,897 SH   SOLE   0 0 3,897
ALPHABET INC CAP STK CL A 02079K305 498 179 SH   SOLE   0 0 179
ALPHABET INC CAP STK CL C 02079K107 1,003 359 SH   SOLE   0 0 359
AMAZON COM INC COM 023135106 1,174 360 SH   SOLE   0 0 360
AMERICAN ELEC PWR CO INC COM 025537101 1,556 15,596 SH   SOLE   0 0 15,596
AMERICAN TOWER CORP NEW COM 03027X100 475 1,889 SH   SOLE   0 0 1,889
AMGEN INC COM 031162100 231 957 SH   SOLE   0 0 957
ANALOG DEVICES INC COM 032654105 646 3,910 SH   SOLE   0 0 3,910
APPLE INC COM 037833100 11,508 65,905 SH   SOLE   0 0 65,905
ARCHER DANIELS MIDLAND CO COM 039483102 464 5,137 SH   SOLE   0 0 5,137
ASML HOLDING N V N Y REGISTRY SHS N07059210 420 628 SH   SOLE   0 0 628
AT&T INC COM 00206R102 281 11,909 SH   SOLE   0 0 11,909
ATLASSIAN CORP PLC CL A G06242104 212 723 SH   SOLE   0 0 723
AUTOMATIC DATA PROCESSING IN COM 053015103 1,349 5,928 SH   SOLE   0 0 5,928
BECTON DICKINSON & CO COM 075887109 346 1,300 SH   SOLE   0 0 1,300
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,523 4,316 SH   SOLE   0 0 4,316
BK OF AMERICA CORP COM 060505104 412 9,984 SH   SOLE   0 0 9,984
BLACKROCK INC COM 09247X101 341 446 SH   SOLE   0 0 446
BLACKROCK MUNIASSETS FD INC COM 09254J102 409 31,984 SH   SOLE   0 0 31,984
BOEING CO COM 097023105 757 3,954 SH   SOLE   0 0 3,954
BRISTOL-MYERS SQUIBB CO COM 110122108 1,070 14,654 SH   SOLE   0 0 14,654
CATERPILLAR INC COM 149123101 1,061 4,764 SH   SOLE   0 0 4,764
CHEVRON CORP NEW COM 166764100 1,390 8,536 SH   SOLE   0 0 8,536
CHUBB LIMITED COM H1467J104 374 1,750 SH   SOLE   0 0 1,750
CINCINNATI FINL CORP COM 172062101 898 6,607 SH   SOLE   0 0 6,607
CISCO SYS INC COM 17275R102 1,534 27,519 SH   SOLE   0 0 27,519
COCA COLA CO COM 191216100 1,113 17,947 SH   SOLE   0 0 17,947
COLGATE PALMOLIVE CO COM 194162103 230 3,027 SH   SOLE   0 0 3,027
COMCAST CORP NEW CL A 20030N101 311 6,648 SH   SOLE   0 0 6,648
CORNING INC COM 219350105 251 6,800 SH   SOLE   0 0 6,800
COSTCO WHSL CORP NEW COM 22160K105 1,172 2,035 SH   SOLE   0 0 2,035
DIAGEO PLC SPON ADR NEW 25243Q205 223 1,099 SH   SOLE   0 0 1,099
DISNEY WALT CO COM 254687106 1,613 11,760 SH   SOLE   0 0 11,760
DNP SELECT INCOME FD INC COM 23325P104 1,052 89,004 SH   SOLE   0 0 89,004
EASTMAN CHEM CO COM 277432100 235 2,100 SH   SOLE   0 0 2,100
EMERSON ELEC CO COM 291011104 340 3,468 SH   SOLE   0 0 3,468
ENBRIDGE INC COM 29250N105 743 16,117 SH   SOLE   0 0 16,117
EVERSOURCE ENERGY COM 30040W108 217 2,463 SH   SOLE   0 0 2,463
EXXON MOBIL CORP COM 30231G102 1,145 13,858 SH   SOLE   0 0 13,858
FACTSET RESH SYS INC COM 303075105 327 752 SH   SOLE   0 0 752
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 355 7,268 SH   SOLE   0 0 7,268
FLEXSHARES TR MORNSTAR UPSTR 33939L407 271 5,778 SH   SOLE   0 0 5,778
FORD MTR CO DEL COM 345370860 393 23,260 SH   SOLE   0 0 23,260
GENERAL DYNAMICS CORP COM 369550108 771 3,197 SH   SOLE   0 0 3,197
GENERAL MLS INC COM 370334104 202 2,981 SH   SOLE   0 0 2,981
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 253 5,804 SH   SOLE   0 0 5,804
GOLDMAN SACHS GROUP INC COM 38141G104 393 1,191 SH   SOLE   0 0 1,191
HOME DEPOT INC COM 437076102 1,611 5,381 SH   SOLE   0 0 5,381
HUNTINGTON BANCSHARES INC COM 446150104 258 17,668 SH   SOLE   0 0 17,668
ILLINOIS TOOL WKS INC COM 452308109 284 1,356 SH   SOLE   0 0 1,356
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 250 8,512 SH   SOLE   0 0 8,512
INTEL CORP COM 458140100 736 14,861 SH   SOLE   0 0 14,861
INTERNATIONAL BUSINESS MACHS COM 459200101 811 6,239 SH   SOLE   0 0 6,239
INTUITIVE SURGICAL INC COM NEW 46120E602 232 768 SH   SOLE   0 0 768
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 583 8,692 SH   SOLE   0 0 8,692
ISHARES SILVER TR ISHARES 46428Q109 979 42,770 SH   SOLE   0 0 42,770
ISHARES TR 0-5 YR TIPS ETF 46429B747 389 3,712 SH   SOLE   0 0 3,712
ISHARES TR 0-5YR HI YL CP 46434V407 1,784 40,572 SH   SOLE   0 0 40,572
ISHARES TR CORE DIV GRWTH 46434V621 960 17,967 SH   SOLE   0 0 17,967
ISHARES TR CORE HIGH DV ETF 46429B663 737 6,895 SH   SOLE   0 0 6,895
ISHARES TR CORE INTL AGGR 46435G672 263 5,045 SH   SOLE   0 0 5,045
ISHARES TR CORE MSCI EAFE 46432F842 7,233 104,055 SH   SOLE   0 0 104,055
ISHARES TR CORE S&P MCP ETF 464287507 1,690 6,299 SH   SOLE   0 0 6,299
ISHARES TR CORE S&P SCP ETF 464287804 345 3,197 SH   SOLE   0 0 3,197
ISHARES TR CORE S&P500 ETF 464287200 4,946 10,901 SH   SOLE   0 0 10,901
ISHARES TR GRWT ALLOCAT ETF 464289867 786 14,573 SH   SOLE   0 0 14,573
ISHARES TR ISHS 1-5YR INVS 464288646 2,682 51,860 SH   SOLE   0 0 51,860
ISHARES TR ISHS 5-10YR INVT 464288638 446 8,136 SH   SOLE   0 0 8,136
ISHARES TR MSCI EAFE ETF 464287465 3,676 49,939 SH   SOLE   0 0 49,939
ISHARES TR MSCI EAFE MIN VL 46429B689 2,312 32,053 SH   SOLE   0 0 32,053
ISHARES TR MSCI USA MIN VOL 46429B697 6,802 87,684 SH   SOLE   0 0 87,684
ISHARES TR NATIONAL MUN ETF 464288414 954 8,705 SH   SOLE   0 0 8,705
ISHARES TR RUS 1000 GRW ETF 464287614 12,957 46,670 SH   SOLE   0 0 46,670
ISHARES TR RUS 1000 VAL ETF 464287598 12,423 74,849 SH   SOLE   0 0 74,849
ISHARES TR RUS 2000 GRW ETF 464287648 2,376 9,290 SH   SOLE   0 0 9,290
ISHARES TR RUS 2000 VAL ETF 464287630 3,131 19,398 SH   SOLE   0 0 19,398
ISHARES TR RUS MD CP GR ETF 464287481 3,618 36,001 SH   SOLE   0 0 36,001
ISHARES TR RUS MDCP VAL ETF 464287473 3,794 31,713 SH   SOLE   0 0 31,713
ISHARES TR RUS MID CAP ETF 464287499 271 3,468 SH   SOLE   0 0 3,468
ISHARES TR RUSSELL 2000 ETF 464287655 803 3,912 SH   SOLE   0 0 3,912
ISHARES TR S&P 500 GRWT ETF 464287309 4,122 53,966 SH   SOLE   0 0 53,966
ISHARES TR S&P 500 VAL ETF 464287408 3,722 23,904 SH   SOLE   0 0 23,904
ISHARES TR SELECT DIVID ETF 464287168 650 5,072 SH   SOLE   0 0 5,072
ISHARES TR US TELECOM ETF 464287713 296 9,900 SH   SOLE   0 0 9,900
JOHNSON & JOHNSON COM 478160104 1,420 8,011 SH   SOLE   0 0 8,011
JPMORGAN CHASE & CO COM 46625H100 2,918 21,407 SH   SOLE   0 0 21,407
KEYCORP COM 493267108 226 10,112 SH   SOLE   0 0 10,112
L3HARRIS TECHNOLOGIES INC COM 502431109 393 1,580 SH   SOLE   0 0 1,580
LILLY ELI & CO COM 532457108 1,901 6,640 SH   SOLE   0 0 6,640
LOCKHEED MARTIN CORP COM 539830109 667 1,512 SH   SOLE   0 0 1,512
LOWES COS INC COM 548661107 729 3,604 SH   SOLE   0 0 3,604
MCDONALDS CORP COM 580135101 1,049 4,241 SH   SOLE   0 0 4,241
MEDTRONIC PLC SHS G5960L103 304 2,741 SH   SOLE   0 0 2,741
MERCK & CO INC COM 58933Y105 416 5,066 SH   SOLE   0 0 5,066
MICROSOFT CORP COM 594918104 7,855 25,478 SH   SOLE   0 0 25,478
MORGAN STANLEY COM NEW 617446448 209 2,392 SH   SOLE   0 0 2,392
NEXTERA ENERGY INC COM 65339F101 847 10,000 SH   SOLE   0 0 10,000
NIKE INC CL B 654106103 667 4,957 SH   SOLE   0 0 4,957
NORFOLK SOUTHN CORP COM 655844108 461 1,617 SH   SOLE   0 0 1,617
NORTHROP GRUMMAN CORP COM 666807102 494 1,105 SH   SOLE   0 0 1,105
NVIDIA CORPORATION COM 67066G104 636 2,332 SH   SOLE   0 0 2,332
ORACLE CORP COM 68389X105 1,248 15,088 SH   SOLE   0 0 15,088
PAYCHEX INC COM 704326107 447 3,277 SH   SOLE   0 0 3,277
PAYPAL HLDGS INC COM 70450Y103 353 3,050 SH   SOLE   0 0 3,050
PEPSICO INC COM 713448108 1,283 7,666 SH   SOLE   0 0 7,666
PFIZER INC COM 717081103 1,645 31,777 SH   SOLE   0 0 31,777
PHILLIPS 66 COM 718546104 235 2,723 SH   SOLE   0 0 2,723
PRICE T ROWE GROUP INC COM 74144T108 224 1,484 SH   SOLE   0 0 1,484
PROCTER AND GAMBLE CO COM 742718109 1,406 9,199 SH   SOLE   0 0 9,199
PRUDENTIAL FINL INC COM 744320102 308 2,607 SH   SOLE   0 0 2,607
QUALCOMM INC COM 747525103 387 2,532 SH   SOLE   0 0 2,532
RAYTHEON TECHNOLOGIES CORP COM 75513E101 260 2,620 SH   SOLE   0 0 2,620
SABA CAPITAL INCOME & OPRNT SHARES 78518H103 364 80,430 SH   SOLE   0 0 80,430
SCOTTS MIRACLE-GRO CO CL A 810186106 222 1,805 SH   SOLE   0 0 1,805
SELECT SECTOR SPDR TR ENERGY 81369Y506 589 7,700 SH   SOLE   0 0 7,700
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 211 5,511 SH   SOLE   0 0 5,511
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 250 5,169 SH   SOLE   0 0 5,169
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 348 3,375 SH   SOLE   0 0 3,375
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,799 37,591 SH   SOLE   0 0 37,591
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 400 4,540 SH   SOLE   0 0 4,540
SHOPIFY INC CL A 82509L107 260 384 SH   SOLE   0 0 384
SPDR GOLD TR GOLD SHS 78463V107 968 5,361 SH   SOLE   0 0 5,361
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,961 6,557 SH   SOLE   0 0 6,557
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 283 577 SH   SOLE   0 0 577
SPDR SER TR NUVEEN BLMBRG SH 78468R739 394 8,316 SH   SOLE   0 0 8,316
SPDR SER TR PRTFLO S&P500 GW 78464A409 208 3,140 SH   SOLE   0 0 3,140
SPDR SER TR PRTFLO S&P500 VL 78464A508 325 7,776 SH   SOLE   0 0 7,776
SPDR SER TR S&P BIOTECH 78464A870 533 5,933 SH   SOLE   0 0 5,933
SPDR SER TR S&P DIVID ETF 78464A763 2,286 17,845 SH   SOLE   0 0 17,845
STARBUCKS CORP COM 855244109 337 3,704 SH   SOLE   0 0 3,704
SYSCO CORP COM 871829107 256 3,138 SH   SOLE   0 0 3,138
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 285 2,738 SH   SOLE   0 0 2,738
TARGET CORP COM 87612E106 201 948 SH   SOLE   0 0 948
TESLA INC COM 88160R101 10,637 9,871 SH   SOLE   0 0 9,871
THERMO FISHER SCIENTIFIC INC COM 883556102 1,027 1,738 SH   SOLE   0 0 1,738
TORONTO DOMINION BK ONT COM NEW 891160509 235 2,965 SH   SOLE   0 0 2,965
TYSON FOODS INC CL A 902494103 222 2,478 SH   SOLE   0 0 2,478
UNITED PARCEL SERVICE INC CL B 911312106 414 1,928 SH   SOLE   0 0 1,928
UNITEDHEALTH GROUP INC COM 91324P102 1,167 2,289 SH   SOLE   0 0 2,289
US BANCORP DEL COM NEW 902973304 234 4,411 SH   SOLE   0 0 4,411
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,743 22,370 SH   SOLE   0 0 22,370
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 350 4,397 SH   SOLE   0 0 4,397
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 759 14,480 SH   SOLE   0 0 14,480
VANGUARD INDEX FDS MID CAP ETF 922908629 3,797 15,964 SH   SOLE   0 0 15,964
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,302 21,243 SH   SOLE   0 0 21,243
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,695 12,683 SH   SOLE   0 0 12,683
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,701 123,596 SH   SOLE   0 0 123,596
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,148 25,408 SH   SOLE   0 0 25,408
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 423 5,809 SH   SOLE   0 0 5,809
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,068 31,251 SH   SOLE   0 0 31,251
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,637 179,824 SH   SOLE   0 0 179,824
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,781 35,182 SH   SOLE   0 0 35,182
VERIZON COMMUNICATIONS INC COM 92343V104 1,332 26,149 SH   SOLE   0 0 26,149
VISA INC COM CL A 92826C839 1,572 7,088 SH   SOLE   0 0 7,088
WALMART INC COM 931142103 1,426 9,577 SH   SOLE   0 0 9,577
WEC ENERGY GROUP INC COM 92939U106 210 2,109 SH   SOLE   0 0 2,109
YUM BRANDS INC COM 988498101 374 3,154 SH   SOLE   0 0 3,154