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
Abbott Laboratories COM 002824100 425 3,592 SH   SOLE 0 3,592 0 0
Abbvie Inc COM 00287Y109 783 4,827 SH   SOLE 0 4,827 0 0
Advanced Micro Devic COM 007903107 279 2,551 SH   SOLE 0 2,551 0 0
Air Products & Chemicals Inc COM 009158106 569 2,277 SH   SOLE 0 2,277 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 6,365 107,370 SH   SOLE 0 107,370 0 0
Avantis Intl Small Cap Value ETF INTL SMCP VLU 025072802 14,278 228,158 SH   SOLE 0 228,158 0 0
Anavex Life Sciences COM 032797300 203 16,500 SH   SOLE 0 16,500 0 0
Apple Inc COM 037833100 3,332 19,081 SH   SOLE 0 19,081 0 0
Automatic Data Processing COM 053015103 488 2,144 SH   SOLE 0 2,144 0 0
Best Buy Inc COM 086516101 298 3,276 SH   SOLE 0 3,276 0 0
Blackrock Inc COM 09247X101 528 691 SH   SOLE 0 691 0 0
Blue Diamond Ventures In COM 09539R101 0 50,000 SH   SOLE 0 50,000 0 0
C S X Corp COM 126408103 237 6,320 SH   SOLE 0 6,320 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300 6,100 222,046 SH   SOLE 0 222,046 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706 2,770 87,746 SH   SOLE 0 87,746 0 0
Chevron Corp COM 166764100 782 4,803 SH   SOLE 0 4,803 0 0
Cincinnati Financial COM 172062101 330 2,425 SH   SOLE 0 2,425 0 0
Cisco Systems COM 17275R102 562 10,082 SH   SOLE 0 10,082 0 0
Comcast Corp Cl A COM 20030N101 289 6,167 SH   SOLE 0 6,167 0 0
Crown Castle International Corp COM 22822V101 544 2,948 SH   SOLE 0 2,948 0 0
Duke Energy Corporation COM 26441C105 465 4,166 SH   SOLE 0 4,166 0 0
Eaton Corporation COM 278058102 322 2,124 SH   SOLE 0 2,124 0 0
Energy Transfer LP COM 29273V100 206 18,399 SH   SOLE 0 18,399 0 0
Eversource Energy COM 30040W108 202 2,293 SH   SOLE 0 2,293 0 0
Exxon Mobil Corp COM 30231G102 498 6,027 SH   SOLE 0 6,027 0 0
Facebook Inc COM 30303M102 617 2,777 SH   SOLE 0 2,777 0 0
Flexshares Morningstar Global Upstream Natural Resources MORNSTAR UPSTR 33939L407 746 15,937 SH   SOLE 0 15,937 0 0
Home Depot COM 437076102 752 2,511 SH   SOLE 0 2,511 0 0
Illinois Tool Works COM 452308109 314 1,498 SH   SOLE 0 1,498 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103 982 2,708 SH   SOLE 0 2,708 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 217 9,920 SH   SOLE 0 9,920 0 0
iShares Morningstar US Equity ETF LRGE CORE INDX 464287127 383 6,091 SH   SOLE 0 6,091 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 2,141 4,718 SH   SOLE 0 4,718 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 3,670 34,265 SH   SOLE 0 34,265 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 379 4,968 SH   SOLE 0 4,968 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 604 2,252 SH   SOLE 0 2,252 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,369 8,250 SH   SOLE 0 8,250 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 2,360 8,500 SH   SOLE 0 8,500 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 21,792 87,143 SH   SOLE 0 87,143 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 883 5,469 SH   SOLE 0 5,469 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 3,287 16,012 SH   SOLE 0 16,012 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 32,737 303,459 SH   SOLE 0 303,459 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414 2,023 18,455 SH   SOLE 0 18,455 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 18,294 263,187 SH   SOLE 0 263,187 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859 3,867 79,791 SH   SOLE 0 79,791 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 9,481 170,666 SH   SOLE 0 170,666 0 0
JPMorgan Chase & Co COM 46625H100 1,150 8,436 SH   SOLE 0 8,436 0 0
Johnson & Johnson COM 478160104 249 1,402 SH   SOLE 0 1,402 0 0
Keurig Dr Pepper Inc. COM 49271V100 203 5,369 SH   SOLE 0 5,369 0 0
Kroger Corp COM 501044101 229 4,000 SH   SOLE 0 4,000 0 0
Lilly Eli & Co COM 532457108 575 2,007 SH   SOLE 0 2,007 0 0
Lockheed Martin Corp COM 539830109 420 951 SH   SOLE 0 951 0 0
Marathon Group Corp COM 565807401 0 300,000 SH   SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102 552 3,239 SH   SOLE 0 3,239 0 0
McDonalds Corp COM 580135101 561 2,267 SH   SOLE 0 2,267 0 0
Medical Svcs Intl Cl A COM 58463C101 0 50,000 SH   SOLE 0 50,000 0 0
Medtronic Inc. COM 585055106 592 5,336 SH   SOLE 0 5,336 0 0
Merck & Co COM 589331107 731 8,907 SH   SOLE 0 8,907 0 0
Microsoft COM 594918104 1,096 3,554 SH   SOLE 0 3,554 0 0
Mondelez Intl Inc Cl A COM 609207105 697 11,102 SH   SOLE 0 11,102 0 0
Nextera Energy Inc COM 65339F101 915 10,807 SH   SOLE 0 10,807 0 0
NOHO, Inc. COM 65528C109 0 150,000 SH   SOLE 0 150,000 0 0
NW Biotherapeutics COM 66737P600 31 45,150 SH   SOLE 0 45,150 0 0
Nutanix Inc COM 67059N108 436 16,240 SH   SOLE 0 16,240 0 0
Nvidia Corp COM 67066G104 304 1,114 SH   SOLE 0 1,114 0 0
PNC Financial Services COM 693475105 452 2,450 SH   SOLE 0 2,450 0 0
Paychex Inc COM 704326107 460 3,374 SH   SOLE 0 3,374 0 0
Pepsico Inc COM 713448108 859 5,134 SH   SOLE 0 5,134 0 0
Procter & Gamble COM 742718109 17,148 112,223 SH   SOLE 0 112,223 0 0
Prologis Inc COM 74340W103 498 3,082 SH   SOLE 0 3,082 0 0
Qualcomm Inc COM 747525103 501 3,277 SH   SOLE 0 3,277 0 0
Realty Income Corp. COM 756109104 460 6,641 SH   SOLE 0 6,641 0 0
S&P 500 Index SPDR TR UNIT 78462F103 467 1,033 SH   SOLE 0 1,033 0 0
SPDR Gold Trust GOLD SHS 78463V107 234 1,298 SH   SOLE 0 1,298 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 11,023 132,286 SH   SOLE 0 132,286 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 2,701 50,153 SH   SOLE 0 50,153 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 1,045 22,056 SH   SOLE 0 22,056 0 0
Schwab Fundamental Emg Mkts Large Co Index SCHWB FDT EMK LG 808524730 556 19,201 SH   SOLE 0 19,201 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 14,421 447,310 SH   SOLE 0 447,310 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 502 9,393 SH   SOLE 0 9,393 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 4,859 61,593 SH   SOLE 0 61,593 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 39,042 1,063,231 SH   SOLE 0 1,063,231 0 0
Schwab Intermediate-Term U.S. Treasury ETF INTRM TRM TRES 808524854 6,008 112,820 SH   SOLE 0 112,820 0 0
Sempra Energy COM 816851109 520 3,096 SH   SOLE 0 3,096 0 0
Service Corp Int'l, Inc. COM 817565104 4,217 64,065 SH   SOLE 0 64,065 0 0
Starbucks Corp COM 855244109 601 6,602 SH   SOLE 0 6,602 0 0
Texas Instruments COM 882508104 661 3,604 SH   SOLE 0 3,604 0 0
Truist Finl Corp COM 89832Q109 626 11,049 SH   SOLE 0 11,049 0 0
US Bancorp COM 902973304 472 8,888 SH   SOLE 0 8,888 0 0
United Parcel Service COM 911312106 592 2,762 SH   SOLE 0 2,762 0 0
Vanguard Div Apprciation DIV APP ETF 921908844 2,787 17,184 SH   SOLE 0 17,184 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 8,224 79,070 SH   SOLE 0 79,070 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 20,196 259,255 SH   SOLE 0 259,255 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 29,574 371,808 SH   SOLE 0 371,808 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 9,817 204,386 SH   SOLE 0 204,386 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 26,604 237,005 SH   SOLE 0 237,005 0 0
Vanguard International High Dividend ETF INTL HIGH ETF 921946794 2,083 30,798 SH   SOLE 0 30,798 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 1,554 12,542 SH   SOLE 0 12,542 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 4,592 99,536 SH   SOLE 0 99,536 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 4,957 63,476 SH   SOLE 0 63,476 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 1,159 16,243 SH   SOLE 0 16,243 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 12,302 59,375 SH   SOLE 0 59,375 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 98,406 237,025 SH   SOLE 0 237,025 0 0
Vanguard Real Estate Index REIT ETF 922908553 1,497 13,813 SH   SOLE 0 13,813 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,821 7,337 SH   SOLE 0 7,337 0 0
Vanguard Mid Cap ETF MID CAP ETF 922908629 292 1,227 SH   SOLE 0 1,227 0 0
Vanguard Large Value VALUE ETF 922908744 15,045 101,805 SH   SOLE 0 101,805 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 1,983 8,711 SH   SOLE 0 8,711 0 0
Walgreens Boots Alliance Inc. COM 931427108 340 7,601 SH   SOLE 0 7,601 0 0
Wisconsin Energy COM 976657106 281 2,811 SH   SOLE 0 2,811 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 762 23,925 SH   SOLE 0 23,925 0 0
WisdomTree Dynamic Currency Hedged International CURRNCY INT EQ 97717X263 1,999 65,132 SH   SOLE 0 65,132 0 0
Broadcom Ltd COM Y09827109 922 1,464 SH   SOLE 0 1,464 0 0