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
Abbott Laboratories COM 002824100 388 3,567 SH   SOLE 0 3,567 0 0
Abbvie Inc COM 00287Y109 752 4,907 SH   SOLE 0 4,907 0 0
Air Products & Chemicals Inc COM 009158106 552 2,296 SH   SOLE 0 2,296 0 0
Avantis Emerging Markets Equity ETF AVANTIS EMGMKT 025072604 7,105 136,556 SH   SOLE 0 136,556 0 0
Avantis Intl Small Cap Value ETF INTL SMCP VLU 025072802 13,903 263,518 SH   SOLE 0 263,518 0 0
Anavex Life Sciences COM 032797300 165 16,500 SH   SOLE 0 16,500 0 0
Apple Inc COM 037833100 2,565 18,764 SH   SOLE 0 18,764 0 0
Automatic Data Processing COM 053015103 403 1,918 SH   SOLE 0 1,918 0 0
Best Buy Inc COM 086516101 216 3,321 SH   SOLE 0 3,321 0 0
Blackrock Inc COM 09247X101 458 752 SH   SOLE 0 752 0 0
Cambria Foreign Shareholder Yield ETF CAMBRIA FGN SHR 132061300 6,088 261,751 SH   SOLE 0 261,751 0 0
Cambria Emerging Shareholder Yield ETF EMRG SHAREHLDR 132061706 2,575 96,423 SH   SOLE 0 96,423 0 0
Chevron Corp COM 166764100 693 4,785 SH   SOLE 0 4,785 0 0
Cincinnati Financial COM 172062101 289 2,425 SH   SOLE 0 2,425 0 0
Cisco Systems COM 17275R102 430 10,082 SH   SOLE 0 10,082 0 0
Comcast Corp Cl A COM 20030N101 224 5,721 SH   SOLE 0 5,721 0 0
Corning Inc COM 219350105 226 7,173 SH   SOLE 0 7,173 0 0
Crown Castle International Corp COM 22822V101 500 2,970 SH   SOLE 0 2,970 0 0
Duke Energy Corporation COM 26441C105 447 4,166 SH   SOLE 0 4,166 0 0
Eaton Corporation COM 278058102 267 2,119 SH   SOLE 0 2,119 0 0
Energy Transfer LP COM 29273V100 184 18,399 SH   SOLE 0 18,399 0 0
Exxon Mobil Corp COM 30231G102 513 5,995 SH   SOLE 0 5,995 0 0
Facebook Inc COM 30303M102 444 2,754 SH   SOLE 0 2,754 0 0
Fidelity Natl Info Svcs COM 31620M106 278 3,036 SH   SOLE 0 3,036 0 0
Flexshares Morningstar Global Upstream Natural Resources MORNSTAR UPSTR 33939L407 763 19,245 SH   SOLE 0 19,245 0 0
Home Depot COM 437076102 689 2,511 SH   SOLE 0 2,511 0 0
Illinois Tool Works COM 452308109 273 1,498 SH   SOLE 0 1,498 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103 493 1,759 SH   SOLE 0 1,759 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 204 9,920 SH   SOLE 0 9,920 0 0
iShares Morningstar US Equity ETF LRGE CORE INDX 464287127 306 5,883 SH   SOLE 0 5,883 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 1,790 4,721 SH   SOLE 0 4,721 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 3,685 36,242 SH   SOLE 0 36,242 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 206 3,418 SH   SOLE 0 3,418 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 505 2,232 SH   SOLE 0 2,232 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,187 8,185 SH   SOLE 0 8,185 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 1,005 4,594 SH   SOLE 0 4,594 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 17,767 85,519 SH   SOLE 0 85,519 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 794 5,828 SH   SOLE 0 5,828 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 2,555 15,083 SH   SOLE 0 15,083 0 0
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 29,526 319,511 SH   SOLE 0 319,511 0 0
iShares Short-Term National Muni Bond ETF SHRT NAT MUN ETF 464288158 6,787 64,842 SH   SOLE 0 64,842 0 0
iShares National AMT-Free Muni Bond NATIONAL MUN ETF 464288414 11,064 104,020 SH   SOLE 0 104,020 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 20,345 345,709 SH   SOLE 0 345,709 0 0
iShares Core 1-5 Year USD Bond ETF CORE 1 5 YR USD 46432F859 8,072 170,288 SH   SOLE 0 170,288 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 7,453 151,914 SH   SOLE 0 151,914 0 0
iShares 0-5 Year High Yield Corporate Bond ETF 0-5YR HI YL CP 46434V407 1,312 32,355 SH   SOLE 0 32,355 0 0
JPMorgan Chase & Co COM 46625H100 589 5,230 SH   SOLE 0 5,230 0 0
Johnson & Johnson COM 478160104 235 1,323 SH   SOLE 0 1,323 0 0
Keurig Dr Pepper Inc. COM 49271V100 337 9,519 SH   SOLE 0 9,519 0 0
The Kraft Heinz Co COM 500754106 286 7,503 SH   SOLE 0 7,503 0 0
Lilly Eli & Co COM 532457108 482 1,486 SH   SOLE 0 1,486 0 0
Lockheed Martin Corp COM 539830109 409 951 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 503 3,239 SH   SOLE 0 3,239 0 0
McDonalds Corp COM 580135101 560 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 450 5,011 SH   SOLE 0 5,011 0 0
Merck & Co COM 589331107 799 8,766 SH   SOLE 0 8,766 0 0
Microsoft COM 594918104 713 2,777 SH   SOLE 0 2,777 0 0
Mondelez Intl Inc Cl A COM 609207105 693 11,168 SH   SOLE 0 11,168 0 0
Nextera Energy Inc COM 65339F101 751 9,691 SH   SOLE 0 9,691 0 0
NOHO, Inc. COM 65528C109 0 150,000 SH   SOLE 0 150,000 0 0
NW Biotherapeutics COM 66737P600 35 55,150 SH   SOLE 0 55,150 0 0
Nutanix Inc COM 67059N108 238 16,240 SH   SOLE 0 16,240 0 0
PNC Financial Services COM 693475105 566 3,587 SH   SOLE 0 3,587 0 0
Paychex Inc COM 704326107 287 2,520 SH   SOLE 0 2,520 0 0
Pepsico Inc COM 713448108 852 5,112 SH   SOLE 0 5,112 0 0
Procter & Gamble COM 742718109 16,110 112,039 SH   SOLE 0 112,039 0 0
Prologis Inc COM 74340W103 360 3,057 SH   SOLE 0 3,057 0 0
Qualcomm Inc COM 747525103 420 3,291 SH   SOLE 0 3,291 0 0
Realty Income Corp. COM 756109104 492 7,204 SH   SOLE 0 7,204 0 0
S&P 500 Index SPDR TR UNIT 78462F103 384 1,017 SH   SOLE 0 1,017 0 0
SPDR Gold Trust GOLD SHS 78463V107 224 1,332 SH   SOLE 0 1,332 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 10,052 138,816 SH   SOLE 0 138,816 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 822 21,081 SH   SOLE 0 21,081 0 0
Schwab Fundamental Emg Mkts Large Co Index SCHWB FDT EMK LG 808524730 789 30,436 SH   SOLE 0 30,436 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 14,042 495,997 SH   SOLE 0 495,997 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 431 9,525 SH   SOLE 0 9,525 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 5,121 71,497 SH   SOLE 0 71,497 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 31,045 987,130 SH   SOLE 0 987,130 0 0
Schwab Intermediate-Term U.S. Treasury ETF INTRM TRM TRES 808524854 6,717 130,168 SH   SOLE 0 130,168 0 0
Sempra Energy COM 816851109 465 3,096 SH   SOLE 0 3,096 0 0
Service Corp Int'l, Inc. COM 817565104 4,711 68,155 SH   SOLE 0 68,155 0 0
Starbucks Corp COM 855244109 504 6,599 SH   SOLE 0 6,599 0 0
Texas Instruments COM 882508104 496 3,230 SH   SOLE 0 3,230 0 0
Truist Finl Corp COM 89832Q109 600 12,650 SH   SOLE 0 12,650 0 0
US Bancorp COM 902973304 409 8,888 SH   SOLE 0 8,888 0 0
United Parcel Service COM 911312106 504 2,762 SH   SOLE 0 2,762 0 0
Vanguard Div Apprciation DIV APP ETF 921908844 2,465 17,183 SH   SOLE 0 17,183 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 7,583 84,632 SH   SOLE 0 84,632 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 18,478 240,635 SH   SOLE 0 240,635 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 29,285 389,117 SH   SOLE 0 389,117 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 8,053 197,389 SH   SOLE 0 197,389 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 28,785 283,039 SH   SOLE 0 283,039 0 0
Vanguard International High Dividend ETF INTL HIGH ETF 921946794 2,199 37,383 SH   SOLE 0 37,383 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 929 9,004 SH   SOLE 0 9,004 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 5,986 143,726 SH   SOLE 0 143,726 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 5,441 71,352 SH   SOLE 0 71,352 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 914 16,243 SH   SOLE 0 16,243 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 18,211 105,981 SH   SOLE 0 105,981 0 0
Vanguard Tax-Exempt Bond Index ETF TAX EXEMPT BD 922907746 222 4,456 SH   SOLE 0 4,456 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 83,817 241,631 SH   SOLE 0 241,631 0 0
Vanguard Real Estate Index REIT ETF 922908553 1,450 15,919 SH   SOLE 0 15,919 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,289 6,542 SH   SOLE 0 6,542 0 0
Vanguard Mid Cap ETF MID CAP ETF 922908629 242 1,227 SH   SOLE 0 1,227 0 0
Vanguard Large Cap Value ETF VALUE ETF 922908744 14,603 110,727 SH   SOLE 0 110,727 0 0
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 288 1,526 SH   SOLE 0 1,526 0 0
Walgreens Boots Alliance Inc. COM 931427108 288 7,601 SH   SOLE 0 7,601 0 0
Wisconsin Energy COM 976657106 283 2,811 SH   SOLE 0 2,811 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 869 30,799 SH   SOLE 0 30,799 0 0
WisdomTree Dynamic Currency Hedged International CURRNCY INT EQ 97717X263 211 7,535 SH   SOLE 0 7,535 0 0
Broadcom Ltd COM Y09827109 714 1,470 SH   SOLE 0 1,470 0 0
Amern Tower Corp COM 03027X100 347 1,358 SH   SOLE 0 1,358 0 0