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
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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
iShares Morningstar US Equity ETF LRGE CORE INDX 464287127 374 6,164 SH   SOLE 0 6,164 0 0
A S E Industrial Holdi COM 00215W100 213 26,515 SH   SOLE 0 26,515 0 0
Abbott Laboratories COM 002824100 533 4,597 SH   SOLE 0 4,597 0 0
Abbvie Inc COM 00287Y109 680 6,036 SH   SOLE 0 6,036 0 0
Advanced Micro Devic COM 007903107 246 2,620 SH   SOLE 0 2,620 0 0
Air Products & Chemicals Inc COM 009158106 835 2,903 SH   SOLE 0 2,903 0 0
Avantis Intl Small Cap Value ETF INTL SMCP VLU 025072802 5,926 91,542 SH   SOLE 0 91,542 0 0
Amgen Inc. COM 031162100 266 1,093 SH   SOLE 0 1,093 0 0
Anavex Life Sciences COM 032797300 240 10,500 SH   SOLE 0 10,500 0 0
Apple Inc COM 037833100 2,403 17,546 SH   SOLE 0 17,546 0 0
Arch Therapeutics COM 03939W109 1 11,500 SH   SOLE 0 11,500 0 0
Automatic Data Processing COM 053015103 658 3,315 SH   SOLE 0 3,315 0 0
Bnp Paribas COM 05565A202 251 8,005 SH   SOLE 0 8,005 0 0
Best Buy Inc COM 086516101 369 3,213 SH   SOLE 0 3,213 0 0
Blackrock Inc COM 09247X101 822 940 SH   SOLE 0 940 0 0
Blue Diamond Ventures In COM 09539R101 0 50,000 SH   SOLE 0 50,000 0 0
C S X Corp COM 126408103 250 7,794 SH   SOLE 0 7,794 0 0
Chevron Corp COM 166764100 646 6,165 SH   SOLE 0 6,165 0 0
Cincinnati Financial COM 172062101 283 2,425 SH   SOLE 0 2,425 0 0
Cisco Systems COM 17275R102 713 13,456 SH   SOLE 0 13,456 0 0
Comcast Corp Cl A COM 20030N101 457 8,017 SH   SOLE 0 8,017 0 0
Compagnie De St Gobain COM 204280309 266 20,257 SH   SOLE 0 20,257 0 0
Rio Doce COM 204412209 236 10,341 SH   SOLE 0 10,341 0 0
Crown Castle International Corp COM 22822V101 744 3,813 SH   SOLE 0 3,813 0 0
Deutsche Post AG ADR COM 25157Y202 225 3,298 SH   SOLE 0 3,298 0 0
Duke Energy Corporation COM 26441C105 417 4,226 SH   SOLE 0 4,226 0 0
Eaton Corporation COM 278058102 415 2,799 SH   SOLE 0 2,799 0 0
Enel-Societa Per Azion COM 29265W207 229 24,696 SH   SOLE 0 24,696 0 0
Eversource Energy COM 30040W108 232 2,893 SH   SOLE 0 2,893 0 0
Exxon Mobil Corp COM 30231G102 398 6,312 SH   SOLE 0 6,312 0 0
Facebook Inc COM 30303M102 768 2,210 SH   SOLE 0 2,210 0 0
Home Depot COM 437076102 1,205 3,778 SH   SOLE 0 3,778 0 0
Honeywell International COM 438516106 306 1,395 SH   SOLE 0 1,395 0 0
Iberdrola S A COM 450737101 207 4,237 SH   SOLE 0 4,237 0 0
Illinois Tool Works COM 452308109 435 1,948 SH   SOLE 0 1,948 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103 960 2,708 SH   SOLE 0 2,708 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 205 9,920 SH   SOLE 0 9,920 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 2,025 4,709 SH   SOLE 0 4,709 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 1,351 11,712 SH   SOLE 0 11,712 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 321 4,416 SH   SOLE 0 4,416 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 609 2,265 SH   SOLE 0 2,265 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,215 7,657 SH   SOLE 0 7,657 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 2,448 9,019 SH   SOLE 0 9,019 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 21,877 90,369 SH   SOLE 0 90,369 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 878 5,298 SH   SOLE 0 5,298 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 3,224 14,057 SH   SOLE 0 14,057 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 29,469 260,830 SH   SOLE 0 260,830 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 19,468 260,065 SH   SOLE 0 260,065 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 8,327 124,300 SH   SOLE 0 124,300 0 0
JPMorgan Chase & Co COM 46625H100 1,637 10,525 SH   SOLE 0 10,525 0 0
Johnson & Johnson COM 478160104 249 1,510 SH   SOLE 0 1,510 0 0
Lilly Eli & Co COM 532457108 633 2,757 SH   SOLE 0 2,757 0 0
Lockheed Martin Corp COM 539830109 575 1,520 SH   SOLE 0 1,520 0 0
Marathon Group Corp COM 565807401 0 300,000 SH   SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102 610 4,339 SH   SOLE 0 4,339 0 0
McDonalds Corp COM 580135101 678 2,934 SH   SOLE 0 2,934 0 0
Medical Svcs Intl Cl A COM 58463C101 0 50,000 SH   SOLE 0 50,000 0 0
Medtronic Inc. COM 585055106 625 5,036 SH   SOLE 0 5,036 0 0
Merck & Co COM 589331107 876 11,269 SH   SOLE 0 11,269 0 0
Microsoft COM 594918104 1,212 4,473 SH   SOLE 0 4,473 0 0
Mondelez Intl Inc Cl A COM 609207105 832 13,323 SH   SOLE 0 13,323 0 0
Nn Group N V COM 629334103 235 9,937 SH   SOLE 0 9,937 0 0
Nestle ADR COM 641069406 270 2,162 SH   SOLE 0 2,162 0 0
Nextera Energy Inc COM 65339F101 1,130 15,414 SH   SOLE 0 15,414 0 0
NOHO, Inc. COM 65528C109 0 150,000 SH   SOLE 0 150,000 0 0
NW Biotherapeutics COM 66737P600 66 45,150 SH   SOLE 0 45,150 0 0
Novartis AG COM 66987V109 204 2,231 SH   SOLE 0 2,231 0 0
Nvidia Corp COM 67066G104 202 252 SH   SOLE 0 252 0 0
PNC Financial Services COM 693475105 608 3,187 SH   SOLE 0 3,187 0 0
Paychex Inc COM 704326107 692 6,445 SH   SOLE 0 6,445 0 0
Pepsico Inc COM 713448108 959 6,472 SH   SOLE 0 6,472 0 0
Persimmon COM 715318101 230 2,763 SH   SOLE 0 2,763 0 0
Phillips 66 COM 718546104 208 2,425 SH   SOLE 0 2,425 0 0
Procter & Gamble COM 742718109 14,845 110,019 SH   SOLE 0 110,019 0 0
Prologis Inc COM 74340W103 476 3,982 SH   SOLE 0 3,982 0 0
Qualcomm Inc COM 747525103 605 4,232 SH   SOLE 0 4,232 0 0
Realty Income Corp. COM 756109104 393 5,891 SH   SOLE 0 5,891 0 0
Roche Hldg Ltd Spon Adrf COM 771195104 250 5,314 SH   SOLE 0 5,314 0 0
S&P 500 Index SPDR TR UNIT 78462F103 464 1,083 SH   SOLE 0 1,083 0 0
SPDR Gold Trust GOLD SHS 78463V107 225 1,358 SH   SOLE 0 1,358 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889 1,637 44,484 SH   SOLE 0 44,484 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 10,163 118,574 SH   SOLE 0 118,574 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 2,872 27,548 SH   SOLE 0 27,548 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 3,352 32,239 SH   SOLE 0 32,239 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 1,083 10,395 SH   SOLE 0 10,395 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706 1,073 32,633 SH   SOLE 0 32,633 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 7,491 225,076 SH   SOLE 0 225,076 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 437 8,040 SH   SOLE 0 8,040 0 0
Schwab US Div Equity ETF US DIVIDEND EQ 808524797 492 6,509 SH   SOLE 0 6,509 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 33,344 845,227 SH   SOLE 0 845,227 0 0
Sempra Energy COM 816851109 543 4,096 SH   SOLE 0 4,096 0 0
Service Corp Int'l, Inc. COM 817565104 3,114 58,117 SH   SOLE 0 58,117 0 0
Siemens AG ADR COM 826197501 218 2,740 SH   SOLE 0 2,740 0 0
Smurfit Kappa Group PLC ADR COM 83272W106 262 4,821 SH   SOLE 0 4,821 0 0
Softbank Mobile Servic COM 83405K102 263 20,039 SH   SOLE 0 20,039 0 0
Southern Home Med COM 84305M206 0 150,000 SH   SOLE 0 150,000 0 0
Starbucks Corp COM 855244109 708 6,330 SH   SOLE 0 6,330 0 0
Svenska Hndlsbnkn Ab COM 86959C103 229 40,824 SH   SOLE 0 40,824 0 0
Texas Instruments COM 882508104 1,213 6,306 SH   SOLE 0 6,306 0 0
3M Company COM 88579Y101 238 1,198 SH   SOLE 0 1,198 0 0
Total Fina Elf S A Adr COM 89151E109 273 6,041 SH   SOLE 0 6,041 0 0
Toyota Motor Corp ADR COM 892331307 305 1,745 SH   SOLE 0 1,745 0 0
Truist Finl Corp COM 89832Q109 813 14,656 SH   SOLE 0 14,656 0 0
US Bancorp COM 902973304 608 10,677 SH   SOLE 0 10,677 0 0
Unilever PLC ADR COM 904767704 208 3,564 SH   SOLE 0 3,564 0 0
Utd Overseas Bk COM 911271302 227 5,890 SH   SOLE 0 5,890 0 0
United Parcel Service COM 911312106 295 1,419 SH   SOLE 0 1,419 0 0
Vanguard Div Apprciation DIV APP ETF 921908844 2,798 18,078 SH   SOLE 0 18,078 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 6,342 62,796 SH   SOLE 0 62,796 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 22,635 275,503 SH   SOLE 0 275,503 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 38,763 451,315 SH   SOLE 0 451,315 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 12,484 242,309 SH   SOLE 0 242,309 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 18,931 180,691 SH   SOLE 0 180,691 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 1,585 11,619 SH   SOLE 0 11,619 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 5,466 100,653 SH   SOLE 0 100,653 0 0
Vanguard Short Term SHORT TERM TREAS 92206C102 218 3,541 SH   SOLE 0 3,541 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 5,325 64,378 SH   SOLE 0 64,378 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 1,148 16,442 SH   SOLE 0 16,442 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 3,834 19,142 SH   SOLE 0 19,142 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 78,623 199,795 SH   SOLE 0 199,795 0 0
Vanguard REIT REIT ETF 922908553 245 2,405 SH   SOLE 0 2,405 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 2,444 8,433 SH   SOLE 0 8,433 0 0
Vanguard Large Value VALUE ETF 922908744 12,459 90,637 SH   SOLE 0 90,637 0 0
Verizon Communications COM 92343V104 350 6,241 SH   SOLE 0 6,241 0 0
Walgreens Boots Alliance Inc. COM 931427108 533 10,140 SH   SOLE 0 10,140 0 0
Wisconsin Energy COM 976657106 386 4,337 SH   SOLE 0 4,337 0 0
WisdomTree Dynamic Currency Hedged International CURRNCY INT EQ 97717X263 8,850 288,282 SH   SOLE 0 288,282 0 0
Worksport Ltd COM 98139Q100 5 10,000 SH   SOLE 0 10,000 0 0
Zurich Insurance Group COM 989825104 210 5,225 SH   SOLE 0 5,225 0 0
Broadcom Ltd COM Y09827109 876 1,838 SH   SOLE 0 1,838 0 0