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 1,526 11,192 SH   SOLE   3,599 0 7,593
ABBOTT LABS COM 002824100 1,747 22,148 SH   SOLE   17,039 0 5,109
ABBVIE INC COM 00287Y109 499 6,555 SH   SOLE   720 0 5,835
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 348 2,126 SH   SOLE   2,054 0 72
ADOBE INC COM 00724F101 752 2,364 SH   SOLE   1,322 0 1,042
ALIGN TECHNOLOGY INC COM 016255101 1,138 6,538 SH   SOLE   45 0 6,493
ALPHABET INC CAP STK CL A 02079K305 4,732 4,072 SH   SOLE   2,606 0 1,466
ALPHABET INC CAP STK CL C 02079K107 2,445 2,101 SH   SOLE   342 0 1,759
AMAZON COM INC COM 023135106 1,648 845 SH   SOLE   109 0 736
AMERICAN EXPRESS CO COM 025816109 398 4,665 SH   SOLE   335 0 4,330
AMGEN INC COM 031162100 570 2,826 SH   SOLE   1,475 0 1,351
APPLE INC COM 037833100 23,378 91,935 SH   SOLE   24,481 0 67,454
AT&T INC COM 00206R102 531 18,187 SH   SOLE   4,939 0 13,248
BECTON DICKINSON & CO COM 075887109 256 1,116 SH   SOLE   927 0 189
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,904 7 SH   SOLE   7 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,748 75,199 SH   SOLE   36,620 0 38,579
BK OF AMERICA CORP COM 060505104 771 36,390 SH   SOLE   5,011 0 31,379
BOX INC CL A 10316T104 676 48,083 SH   SOLE   0 0 48,083
BRISTOL-MYERS SQUIBB CO COM 110122108 381 6,817 SH   SOLE   2,626 0 4,191
CAPITAL ONE FINL CORP COM 14040H105 203 4,015 SH   SOLE   0 0 4,015
CHARTER COMMUNICATIONS INC N CL A 16119P108 562 1,287 SH   SOLE   73 0 1,214
CHEVRON CORP NEW COM 166764100 1,127 15,561 SH   SOLE   7,187 0 8,374
CINCINNATI FINL CORP COM 172062101 499 6,618 SH   SOLE   109 0 6,509
CISCO SYS INC COM 17275R102 1,348 34,265 SH   SOLE   4,892 0 29,373
CLOROX CO DEL COM 189054109 224 1,301 SH   SOLE   1,206 0 95
COCA COLA CO COM 191216100 808 18,171 SH   SOLE   12,932 0 5,239
COMCAST CORP NEW CL A 20030N101 1,070 31,088 SH   SOLE   12,150 0 18,938
COSTCO WHSL CORP NEW COM 22160K105 267 937 SH   SOLE   661 0 276
DANAHER CORPORATION COM 235851102 1,244 8,980 SH   SOLE   7,190 0 1,790
DISNEY WALT CO COM DISNEY 254687106 2,134 22,103 SH   SOLE   11,570 0 10,533
DOCUSIGN INC COM 256163106 1,547 16,739 SH   SOLE   0 0 16,739
DOMINION ENERGY INC COM 25746U109 200 2,786 SH   SOLE   0 0 2,786
ELASTIC N V ORD SHS N14506104 718 12,870 SH   SOLE   2,344 0 10,526
ENBRIDGE INC COM 29250N105 210 7,238 SH   SOLE   1,638 0 5,600
EXXON MOBIL CORP COM 30231G102 583 15,414 SH   SOLE   8,693 0 6,721
FACEBOOK INC CL A 30303M102 8,135 48,730 SH   SOLE   3,702 0 45,028
FIFTH THIRD BANCORP COM 316773100 650 43,786 SH   SOLE   0 0 43,786
FORTY SEVEN INC COM 34983P104 299 3,131 SH   SOLE   3,131 0 0
GENERAL ELECTRIC CO COM 369604103 271 34,103 SH   SOLE   27,641 0 6,462
GILEAD SCIENCES INC COM 375558103 209 2,786 SH   SOLE   276 0 2,510
HOME DEPOT INC COM 437076102 630 3,372 SH   SOLE   2,972 0 400
HONEYWELL INTL INC COM 438516106 240 1,795 SH   SOLE   983 0 812
HUDSON TECHNOLOGIES INC COM 444144109 10 13,950 SH   SOLE   0 0 13,950
HUNTINGTON BANCSHARES INC COM 446150104 293 35,658 SH   SOLE   0 0 35,658
ILLUMINA INC COM 452327109 475 1,739 SH   SOLE   1,444 0 295
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 9,847 345,840 SH   SOLE   68,229 0 277,611
INTEL CORP COM 458140100 1,091 20,167 SH   SOLE   11,856 0 8,311
INTERNATIONAL BUSINESS MACHS COM 459200101 534 4,828 SH   SOLE   2,441 0 2,387
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 314 3,660 SH   SOLE   3,660 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 319 1,687 SH   SOLE   1,654 0 33
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 230 2,351 SH   SOLE   2,202 0 149
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 752 8,947 SH   SOLE   0 0 8,947
INVESCO QQQ TR UNIT SER 1 46090E103 206 1,082 SH   SOLE   0 0 1,082
ISHARES INC CORE MSCI EMKT 46434G103 68,896 1,702,375 SH   SOLE   680,024 0 1,022,351
ISHARES INC MIN VOL EMRG MKT 464286533 4,336 92,428 SH   SOLE   28,082 0 64,346
ISHARES INC MIN VOL GBL ETF 464286525 171,270 2,131,526 SH   SOLE   779,268 0 1,352,258
ISHARES TR CORE MSCI EAFE 46432F842 10,628 212,982 SH   SOLE   101,045 0 111,937
ISHARES TR CORE S&P MCP ETF 464287507 403 2,806 SH   SOLE   112 0 2,694
ISHARES TR CORE S&P SCP ETF 464287804 877 15,631 SH   SOLE   0 0 15,631
ISHARES TR CORE S&P US GWT 464287671 280 4,908 SH   SOLE   0 0 4,908
ISHARES TR CORE S&P US VLU 464287663 46,094 998,301 SH   SOLE   211,442 0 786,859
ISHARES TR CORE S&P500 ETF 464287200 24,728 95,687 SH   SOLE   18,562 0 77,125
ISHARES TR CORE US AGGBD ET 464287226 7,229 62,652 SH   SOLE   23,932 0 38,720
ISHARES TR DOW JONES US ETF 464287846 2,381 18,874 SH   SOLE   0 0 18,874
ISHARES TR EAFE GRWTH ETF 464288885 202 2,849 SH   SOLE   2,169 0 680
ISHARES TR EAFE SML CP ETF 464288273 1,183 26,423 SH   SOLE   12,565 0 13,858
ISHARES TR EAFE VALUE ETF 464288877 15,635 438,057 SH   SOLE   110,264 0 327,793
ISHARES TR IBOXX HI YD ETF 464288513 891 11,573 SH   SOLE   9,981 0 1,592
ISHARES TR INTL DEV RE ETF 464288489 739 34,137 SH   SOLE   8,001 0 26,136
ISHARES TR INTL SEL DIV ETF 464288448 558 24,725 SH   SOLE   0 0 24,725
ISHARES TR MIN VOL EAFE ETF 46429B689 2,500 40,313 SH   SOLE   8,235 0 32,078
ISHARES TR MODERT ALLOC ETF 464289875 600 16,325 SH   SOLE   0 0 16,325
ISHARES TR MSCI ACWI ETF 464288257 842 13,449 SH   SOLE   3,906 0 9,543
ISHARES TR MSCI ACWI EX US 464288240 335 8,901 SH   SOLE   132 0 8,769
ISHARES TR MSCI EAFE ETF 464287465 2,077 38,866 SH   SOLE   0 0 38,866
ISHARES TR MSCI EMG MKT ETF 464287234 4,034 118,212 SH   SOLE   15,510 0 102,702
ISHARES TR MSCI MIN VOL ETF 46429B697 3,475 64,317 SH   SOLE   19,042 0 45,275
ISHARES TR NATIONAL MUN ETF 464288414 55,480 490,888 SH   SOLE   70,220 0 420,668
ISHARES TR RUS 1000 ETF 464287622 12,528 88,525 SH   SOLE   6,258 0 82,267
ISHARES TR RUS 1000 GRW ETF 464287614 1,184 7,862 SH   SOLE   2,966 0 4,896
ISHARES TR RUS 1000 VAL ETF 464287598 5,648 56,962 SH   SOLE   3,216 0 53,746
ISHARES TR RUS 2000 GRW ETF 464287648 1,186 7,495 SH   SOLE   0 0 7,495
ISHARES TR RUS 2000 VAL ETF 464287630 1,830 22,327 SH   SOLE   6,836 0 15,491
ISHARES TR RUS MD CP GR ETF 464287481 343 2,830 SH   SOLE   500 0 2,330
ISHARES TR RUS MID CAP ETF 464287499 1,882 43,627 SH   SOLE   23,234 0 20,393
ISHARES TR RUSSELL 2000 ETF 464287655 9,046 78,986 SH   SOLE   10,436 0 68,550
ISHARES TR RUSSELL 3000 ETF 464287689 2,917 19,659 SH   SOLE   6,223 0 13,436
ISHARES TR S&P 100 ETF 464287101 329 2,770 SH   SOLE   0 0 2,770
ISHARES TR S&P 500 GRWT ETF 464287309 298 1,805 SH   SOLE   1,805 0 0
ISHARES TR SELECT DIVID ETF 464287168 645 8,764 SH   SOLE   0 0 8,764
ISHARES TR SHORT TREAS BD 464288679 1,683 15,158 SH   SOLE   15,158 0 0
ISHARES TR TIPS BD ETF 464287176 233 1,977 SH   SOLE   0 0 1,977
ISHARES TR U.S. MED DVC ETF 464288810 305 1,355 SH   SOLE   1,355 0 0
JOHNSON & JOHNSON COM 478160104 4,833 36,848 SH   SOLE   15,164 0 21,684
JPMORGAN CHASE & CO COM 46625H100 2,211 24,508 SH   SOLE   14,059 0 10,449
KINDER MORGAN INC DEL COM 49456B101 378 27,191 SH   SOLE   2,013 0 25,178
LOWES COS INC COM 548661107 558 6,479 SH   SOLE   0 0 6,479
MARATHON OIL CORP COM 565849106 67 20,244 SH   SOLE   20,083 0 161
MASTERCARD INC CL A 57636Q104 595 2,466 SH   SOLE   500 0 1,966
MCDONALDS CORP COM 580135101 406 2,451 SH   SOLE   478 0 1,973
MERCK & CO. INC COM 58933Y105 1,084 14,119 SH   SOLE   5,717 0 8,402
MICROSOFT CORP COM 594918104 6,929 43,940 SH   SOLE   11,597 0 32,343
NEXTERA ENERGY INC COM 65339F101 294 1,224 SH   SOLE   540 0 684
NIKE INC CL B 654106103 531 6,438 SH   SOLE   5,560 0 878
NOKIA CORP SPONSORED ADR 654902204 63 20,441 SH   SOLE   0 0 20,441
NOVARTIS A G SPONSORED ADR 66987V109 440 5,334 SH   SOLE   0 0 5,334
ORACLE CORP COM 68389X105 706 14,640 SH   SOLE   1,403 0 13,237
PAYCHEX INC COM 704326107 705 11,193 SH   SOLE   188 0 11,005
PAYPAL HLDGS INC COM 70450Y103 468 4,908 SH   SOLE   3,677 0 1,231
PEPSICO INC COM 713448108 2,569 21,403 SH   SOLE   12,282 0 9,121
PERCEPTRON INC COM 71361F100 38 13,086 SH   SOLE   0 0 13,086
PFIZER INC COM 717081103 793 24,279 SH   SOLE   7,574 0 16,705
PROCTER & GAMBLE CO COM 742718109 4,670 42,477 SH   SOLE   2,640 0 39,837
PURE STORAGE INC CL A 74624M102 201 16,318 SH   SOLE   0 0 16,318
QUALCOMM INC COM 747525103 1,021 15,148 SH   SOLE   13,373 0 1,775
RAPT THERAPEUTICS INC COM 75382E109 213 10,000 SH   SOLE   0 0 10,000
RAYTHEON CO COM NEW 755111507 955 7,279 SH   SOLE   4,873 0 2,406
REALTY INCOME CORP COM 756109104 399 8,035 SH   SOLE   4,622 0 3,413
RESTAURANT BRANDS INTL INC COM 76131D103 527 13,181 SH   SOLE   0 0 13,181
ROYAL BK CDA COM 780087102 2,318 37,682 SH   SOLE   0 0 37,682
S&P GLOBAL INC COM 78409V104 295 1,199 SH   SOLE   333 0 866
SALESFORCE COM INC COM 79466L302 1,508 10,479 SH   SOLE   6,972 0 3,507
SCHWAB CHARLES CORP COM 808513105 1,093 32,400 SH   SOLE   16,876 0 15,524
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 519 24,966 SH   SOLE   19,993 0 4,973
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 454 22,093 SH   SOLE   22,093 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 806 38,302 SH   SOLE   22,278 0 16,024
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,375 25,350 SH   SOLE   20,900 0 4,450
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 327 7,285 SH   SOLE   0 0 7,285
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 708 16,019 SH   SOLE   9,360 0 6,659
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,799 62,039 SH   SOLE   35,306 0 26,733
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,494 35,477 SH   SOLE   30,694 0 4,783
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 8,791 422,290 SH   SOLE   906 0 421,384
SEMPRA ENERGY COM 816851109 245 2,174 SH   SOLE   2,152 0 22
SILGAN HOLDINGS INC COM 827048109 671 23,128 SH   SOLE   0 0 23,128
SPDR GOLD TRUST GOLD SHS 78463V107 390 2,629 SH   SOLE   0 0 2,629
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,309 48,932 SH   SOLE   24,370 0 24,562
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 828 17,691 SH   SOLE   5,527 0 12,164
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 540 23,737 SH   SOLE   6,294 0 17,443
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,583 79,840 SH   SOLE   34,221 0 45,619
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 772 2,937 SH   SOLE   0 0 2,937
SPDR SER TR BLMBRG BRC CNVRT 78464A359 1,008 21,052 SH   SOLE   21,052 0 0
SPDR SER TR DJ REIT ETF 78464A607 339 4,700 SH   SOLE   0 0 4,700
SPDR SER TR S&P DIVID ETF 78464A763 559 7,009 SH   SOLE   0 0 7,009
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 505 10,586 SH   SOLE   9,407 0 1,179
STARBUCKS CORP COM 855244109 213 3,238 SH   SOLE   916 0 2,322
TJX COS INC NEW COM 872540109 1,728 36,140 SH   SOLE   26,187 0 9,953
TRUIST FINL CORP COM 89832Q109 305 9,917 SH   SOLE   246 0 9,671
UNION PAC CORP COM 907818108 1,366 9,664 SH   SOLE   6,745 0 2,919
UNITEDHEALTH GROUP INC COM 91324P102 679 2,727 SH   SOLE   803 0 1,924
US BANCORP DEL COM NEW 902973304 1,258 36,514 SH   SOLE   12,930 0 23,584
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 673 5,272 SH   SOLE   4,252 0 1,020
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 321 6,147 SH   SOLE   0 0 6,147
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 948 11,552 SH   SOLE   0 0 11,552
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 46,741 547,822 SH   SOLE   154,415 0 393,407
VANGUARD INDEX FDS GROWTH ETF 922908736 419 2,676 SH   SOLE   199 0 2,477
VANGUARD INDEX FDS LARGE CAP ETF 922908637 882 7,450 SH   SOLE   0 0 7,450
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 27,976 400,676 SH   SOLE   145,736 0 254,940
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 36,712 155,053 SH   SOLE   34,132 0 120,921
VANGUARD INDEX FDS SM CP VAL ETF 922908611 38,986 438,912 SH   SOLE   161,854 0 277,058
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,208 10,459 SH   SOLE   0 0 10,459
VANGUARD INDEX FDS SML CP GRW ETF 922908595 478 3,185 SH   SOLE   479 0 2,706
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,322 41,285 SH   SOLE   24,627 0 16,658
VANGUARD INDEX FDS VALUE ETF 922908744 1,054 11,847 SH   SOLE   1,187 0 10,660
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,886 265,431 SH   SOLE   105,660 0 159,771
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,204 155,189 SH   SOLE   62,241 0 92,948
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 26,214 610,935 SH   SOLE   203,287 0 407,648
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 300 4,781 SH   SOLE   0 0 4,781
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 4,151 78,455 SH   SOLE   0 0 78,455
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,940 22,271 SH   SOLE   21,821 0 450
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 749 12,004 SH   SOLE   10,873 0 1,131
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,072 51,430 SH   SOLE   40,990 0 10,440
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 52,509 507,797 SH   SOLE   104,366 0 403,431
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 14,550 436,205 SH   SOLE   153,173 0 283,032
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 382 5,417 SH   SOLE   0 0 5,417
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 392 5,556 SH   SOLE   3,416 0 2,140
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,270 15,424 SH   SOLE   13,483 0 1,941
VANGUARD WORLD FDS MATERIALS ETF 92204A801 276 2,878 SH   SOLE   1,537 0 1,341
VAREX IMAGING CORP COM 92214X106 218 9,610 SH   SOLE   0 0 9,610
VERIZON COMMUNICATIONS INC COM 92343V104 1,181 22,018 SH   SOLE   14,257 0 7,761
VISA INC COM CL A 92826C839 623 3,861 SH   SOLE   1,737 0 2,124
WALMART INC COM 931142103 411 3,633 SH   SOLE   1,037 0 2,596
WELLS FARGO CO NEW COM 949746101 833 28,954 SH   SOLE   4,727 0 24,227
WENDYS CO COM 95058W100 1,761 118,319 SH   SOLE   0 0 118,319
WISDOMTREE TR EMER MKT HIGH FD 97717W315 74,566 2,311,507 SH   SOLE   1,024,734 0 1,286,773
XCEL ENERGY INC COM 98389B100 376 6,238 SH   SOLE   0 0 6,238