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
PFIZER INC COM 717081103 739 20,149 SH   SOLE   233 0 19,916
AMERICAN TOWER CORP NEW COM 03027X100 653 2,700 SH   SOLE   0 0 2,700
DIGITAL RLTY TR INC COM 253868103 6,252 42,597 SH   SOLE   1,953 0 40,644
BECTON DICKINSON & CO COM 075887109 619 2,662 SH   SOLE   300 0 2,362
UNILEVER N V N Y SHS NEW 904784709 545 9,019 SH   SOLE   0 0 9,019
DISNEY WALT CO COM DISNEY 254687106 7,873 63,450 SH   SOLE   3,406 0 60,044
GENERAL ELECTRIC CO COM 369604103 132 21,747 SH   SOLE   0 0 21,747
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,360 200,288 SH   SOLE   5,620 0 194,668
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 33 14,595 SH   SOLE   483 0 14,112
PEPSICO INC COM 713448108 4,097 29,560 SH   SOLE   2,110 0 27,450
ABBOTT LABS COM 002824100 9,166 84,224 SH   SOLE   3,314 0 80,910
NEXTERA ENERGY INC COM 65339F101 2,619 9,434 SH   SOLE   895 0 8,539
HUNT J B TRANS SVCS INC COM 445658107 655 5,180 SH   SOLE   0 0 5,180
PRUDENTIAL FINL INC COM 744320102 990 15,586 SH   SOLE   135 0 15,451
REGENERON PHARMACEUTICALS COM 75886F107 467 834 SH   SOLE   45 0 789
PROGRESSIVE CORP COM 743315103 1,988 21,003 SH   SOLE   1,230 0 19,773
AT&T INC COM 00206R102 2,779 97,471 SH   SOLE   2,342 0 95,129
APPLE INC COM 037833100 20,899 180,520 SH   SOLE   7,302 0 173,218
ISHARES TR MSCI USA MIN VOL 46429B697 284 4,461 SH   SOLE   0 0 4,461
HUNTINGTON BANCSHARES INC COM 446150104 111 12,101 SH   SOLE   0 0 12,101
PAYCHEX INC COM 704326107 603 7,555 SH   SOLE   131 0 7,424
AMAZON COM INC COM 023135106 11,030 3,506 SH   SOLE   0 0 3,506
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 563 2,491 SH   SOLE   35 0 2,456
MERCK & CO. INC COM 58933Y105 4,078 49,158 SH   SOLE   2,307 0 46,851
LOWES COS INC COM 548661107 630 3,800 SH   SOLE   2,300 0 1,500
ISHARES TR MSCI USA QLT FCT 46432F339 3,819 36,816 SH   SOLE   1,595 0 35,221
COLGATE PALMOLIVE CO COM 194162103 2,197 28,477 SH   SOLE   6,948 0 21,529
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,276 106,502 SH   SOLE   4,620 0 101,882
DELTA AIR LINES INC DEL COM NEW 247361702 1,539 50,319 SH   SOLE   2,528 0 47,791
PROCTER AND GAMBLE CO COM 742718109 2,003 14,412 SH   SOLE   900 0 13,512
BOEING CO COM 097023105 628 3,813 SH   SOLE   125 0 3,688
STRYKER CORPORATION COM 863667101 7,248 34,783 SH   SOLE   1,337 0 33,446
NIKE INC CL B 654106103 5,155 41,065 SH   SOLE   1,451 0 39,614
V F CORP COM 918204108 645 9,181 SH   SOLE   163 0 9,018
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 13,455 165,963 SH   SOLE   7,866 0 158,097
DOMINOS PIZZA INC COM 25754A201 1,173 2,759 SH   SOLE   190 0 2,569
INFOSYS LTD SPONSORED ADR 456788108 822 59,488 SH   SOLE   897 0 58,591
INTEL CORP COM 458140100 245 4,741 SH   SOLE   2,075 0 2,666
COMCAST CORP NEW CL A 20030N101 806 17,434 SH   SOLE   645 0 16,789
ISHARES TR CORE S&P SCP ETF 464287804 3,811 54,265 SH   SOLE   935 0 53,330
JPMORGAN CHASE & CO COM 46625H100 7,254 75,355 SH   SOLE   4,169 0 71,186
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 15,488 194,751 SH   SOLE   9,109 0 185,642
CISCO SYS INC COM 17275R102 911 23,122 SH   SOLE   3,581 0 19,541
ANALOG DEVICES INC COM 032654105 4,780 40,945 SH   SOLE   1,360 0 39,585
T-MOBILE US INC COM 872590104 3,132 27,387 SH   SOLE   975 0 26,412
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,886 9,816 SH   SOLE   510 0 9,306
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 19,272 382,009 SH   SOLE   15,195 0 366,814
EATON CORP PLC SHS G29183103 847 8,303 SH   SOLE   119 0 8,184
SYSCO CORP COM 871829107 1,182 19,002 SH   SOLE   225 0 18,777
BROADCOM INC COM 11135F101 9,935 27,271 SH   SOLE   852 0 26,419
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,116 5,242 SH   SOLE   125 0 5,117
PPL CORP COM 69351T106 400 14,714 SH   SOLE   259 0 14,455
WISDOMTREE TR US SMALLCAP DIVD 97717W604 376 17,829 SH   SOLE   388 0 17,441
VISA INC COM CL A 92826C839 9,215 46,083 SH   SOLE   1,388 0 44,695
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 15,606 497,011 SH   SOLE   17,480 0 479,531
CORE MOLDING TECHNOLOGIES IN COM 218683100 221 24,936 SH   SOLE   0 0 24,936
TJX COS INC NEW COM 872540109 4,867 87,466 SH   SOLE   3,547 0 83,919
FACEBOOK INC CL A 30303M102 9,982 38,115 SH   SOLE   1,327 0 36,788
LILLY ELI & CO COM 532457108 3,644 24,621 SH   SOLE   980 0 23,641
PROSHARES TR SHORT S&P 500 NE 74347B425 24,858 1,223,311 SH   SOLE   54,025 0 1,169,286
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,187 21,468 SH   SOLE   78 0 21,390
DNP SELECT INCOME FD INC COM 23325P104 132 13,143 SH   SOLE   0 0 13,143
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,092 35,767 SH   SOLE   276 0 35,491
CITIGROUP INC COM NEW 172967424 1,489 34,539 SH   SOLE   904 0 33,635
SALESFORCE COM INC COM 79466L302 11,352 45,170 SH   SOLE   2,132 0 43,038
HOME DEPOT INC COM 437076102 3,564 12,835 SH   SOLE   374 0 12,461
ALIGN TECHNOLOGY INC COM 016255101 786 2,400 SH   SOLE   260 0 2,140
L3HARRIS TECHNOLOGIES INC COM 502431109 5,790 34,088 SH   SOLE   1,566 0 32,522
METLIFE INC COM 59156R108 562 15,133 SH   SOLE   179 0 14,954
COCA COLA CO COM 191216100 1,046 21,181 SH   SOLE   297 0 20,884
AMGEN INC COM 031162100 313 1,230 SH   SOLE   1,000 0 230
UNITEDHEALTH GROUP INC COM 91324P102 9,183 29,453 SH   SOLE   1,167 0 28,286
NVIDIA CORPORATION COM 67066G104 620 1,146 SH   SOLE   0 0 1,146
WASTE MGMT INC DEL COM 94106L109 3,258 28,786 SH   SOLE   635 0 28,151
LOCKHEED MARTIN CORP COM 539830109 227 593 SH   SOLE   0 0 593
AMERICAN ELEC PWR CO INC COM 025537101 2,162 26,453 SH   SOLE   305 0 26,148
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 417 5,149 SH   SOLE   470 0 4,679
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34,208 412,887 SH   SOLE   15,667 0 397,220
3M CO COM 88579Y101 205 1,281 SH   SOLE   0 0 1,281
MASCO CORP COM 574599106 1,127 20,451 SH   SOLE   0 0 20,451
LAUDER ESTEE COS INC CL A 518439104 2,068 9,474 SH   SOLE   685 0 8,789
STARBUCKS CORP COM 855244109 1,406 16,360 SH   SOLE   375 0 15,985
MICROSOFT CORP COM 594918104 15,199 72,261 SH   SOLE   2,932 0 69,329
ISHARES TR CORE S&P MCP ETF 464287507 2,863 15,450 SH   SOLE   665 0 14,785
PERKINELMER INC COM 714046109 223 1,774 SH   SOLE   0 0 1,774
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,617 7,375 SH   SOLE   463 0 6,912
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 75 13,420 SH   SOLE   0 0 13,420
MCDONALDS CORP COM 580135101 1,754 7,989 SH   SOLE   690 0 7,299
HEICO CORP NEW COM 422806109 249 2,382 SH   SOLE   0 0 2,382
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 4,152 82,850 SH   SOLE   6,790 0 76,060
TC ENERGY CORP COM 87807B107 383 9,134 SH   SOLE   1,750 0 7,384
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 25,476 504,518 SH   SOLE   23,716 0 480,802
APPLIED MATLS INC COM 038222105 3,797 63,872 SH   SOLE   5,885 0 57,987
PHILLIPS 66 COM 718546104 3,149 60,744 SH   SOLE   2,869 0 57,875
ISHARES TR MSCI EAFE ETF 464287465 344 5,397 SH   SOLE   0 0 5,397
SPDR SER TR PORTFOLIO SHORT 78464A474 8,671 277,800 SH   SOLE   4,384 0 273,416
ROYAL CARIBBEAN GROUP COM V7780T103 1,104 18,810 SH   SOLE   742 0 18,068
VMWARE INC CL A COM 928563402 1,203 8,376 SH   SOLE   410 0 7,966
SPDR SER TR NUVEEN BLMBRG SR 78468R739 427 8,570 SH   SOLE   0 0 8,570
ALPHABET INC CAP STK CL C 02079K107 10,753 7,317 SH   SOLE   318 0 6,999
HONEYWELL INTL INC COM 438516106 6,444 39,150 SH   SOLE   2,264 0 36,886
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 657 15,195 SH   SOLE   2,487 0 12,708
ASTRAZENECA PLC SPONSORED ADR 046353108 9,457 172,579 SH   SOLE   5,506 0 167,073
ISHARES TR CORE S&P500 ETF 464287200 451 1,343 SH   SOLE   0 0 1,343
UNITED PARCEL SERVICE INC CL B 911312106 1,103 6,622 SH   SOLE   79 0 6,543
MEDTRONIC PLC SHS G5960L103 1,356 13,049 SH   SOLE   206 0 12,843
BLACKROCK INC COM 09247X101 8,075 14,328 SH   SOLE   773 0 13,555
AES CORP COM 00130H105 1,224 67,592 SH   SOLE   0 0 67,592
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,723 265,379 SH   SOLE   11,890 0 253,489
JOHNSON & JOHNSON COM 478160104 1,306 8,770 SH   SOLE   1,219 0 7,551
PAYPAL HLDGS INC COM 70450Y103 9,015 45,752 SH   SOLE   1,542 0 44,210
DOLLAR GEN CORP NEW COM 256677105 8,211 39,172 SH   SOLE   1,421 0 37,751
KEYCORP COM 493267108 423 35,435 SH   SOLE   567 0 34,868