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
DISNEY WALT CO COM 254687106 11,617 64,118 SH   SOLE   3,452 0 60,666
PFIZER INC COM 717081103 322 8,760 SH   SOLE   0 0 8,760
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 204 2,820 SH   SOLE   500 0 2,320
AMERICAN TOWER CORP NEW COM 03027X100 606 2,700 SH   SOLE   0 0 2,700
VANGUARD WORLD FD ESG US STK ETF 921910733 215 3,063 SH   SOLE   0 0 3,063
DIGITAL RLTY TR INC COM 253868103 6,058 43,422 SH   SOLE   1,992 0 41,430
BECTON DICKINSON & CO COM 075887109 535 2,137 SH   SOLE   300 0 1,837
GENERAL ELECTRIC CO COM 369604103 223 20,669 SH   SOLE   0 0 20,669
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,928 193,423 SH   SOLE   5,620 0 187,803
ABBOTT LABS COM 002824100 9,159 83,651 SH   SOLE   3,308 0 80,343
PEPSICO INC COM 713448108 5,198 35,053 SH   SOLE   2,269 0 32,784
NEXTERA ENERGY INC COM 65339F101 2,397 31,070 SH   SOLE   3,180 0 27,890
CVS HEALTH CORP COM 126650100 620 9,075 SH   SOLE   1,768 0 7,307
HUNT J B TRANS SVCS INC COM 445658107 780 5,711 SH   SOLE   275 0 5,436
TRAVELERS COMPANIES INC COM 89417E109 355 2,526 SH   SOLE   350 0 2,176
PRUDENTIAL FINL INC COM 744320102 1,146 14,683 SH   SOLE   135 0 14,548
REGENERON PHARMACEUTICALS COM 75886F107 267 552 SH   SOLE   45 0 507
PROGRESSIVE CORP COM 743315103 2,131 21,550 SH   SOLE   1,230 0 20,320
ABB LTD SPONSORED ADR 000375204 10 12,600 SH Put SOLE   0 0 12,600
APPLE INC COM 037833100 22,080 166,400 SH   SOLE   6,856 0 159,544
AT&T INC COM 00206R102 1,798 62,514 SH   SOLE   1,367 0 61,147
ISHARES TR MSCI USA MIN VOL 46429B697 341 5,023 SH   SOLE   250 0 4,773
AMAZON COM INC COM 023135106 11,487 3,527 SH   SOLE   0 0 3,527
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 615 2,354 SH   SOLE   28 0 2,326
LOWES COS INC COM 548661107 610 3,800 SH   SOLE   2,300 0 1,500
MERCK & CO. INC COM 58933Y105 3,474 42,471 SH   SOLE   2,232 0 40,239
ISHARES TR MSCI USA QLT FCT 46432F339 4,267 36,714 SH   SOLE   1,600 0 35,120
COLGATE PALMOLIVE CO COM 194162103 1,459 17,063 SH   SOLE   6,640 0 10,423
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,168 103,010 SH   SOLE   4,353 0 98,657
DELTA AIR LINES INC DEL COM NEW 247361702 1,257 31,261 SH   SOLE   1,996 0 29,265
PROCTER AND GAMBLE CO COM 742718109 1,971 14,163 SH   SOLE   900 0 13,263
STRYKER CORPORATION COM 863667101 8,526 34,794 SH   SOLE   1,415 0 33,379
NIKE INC CL B 654106103 5,933 41,942 SH   SOLE   1,457 0 40,485
V F CORP COM 918204108 728 8,526 SH   SOLE   163 0 8,363
WALMART INC COM 931142103 203 1,405 SH   SOLE   0 0 1,405
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 15,550 142,605 SH   SOLE   7,391 0 135,214
DOMINOS PIZZA INC COM 25754A201 1,037 2,705 SH   SOLE   190 0 2,515
INFOSYS LTD SPONSORED ADR 456788108 983 57,968 SH   SOLE   897 0 57,071
INTEL CORP COM 458140100 244 4,905 SH   SOLE   2,075 0 2,830
COMCAST CORP NEW CL A 20030N101 923 17,608 SH   SOLE   645 0 16,963
ISHARES TR CORE S&P SCP ETF 464287804 4,836 52,623 SH   SOLE   760 0 51,863
JPMORGAN CHASE & CO COM 46625H100 9,619 75,697 SH   SOLE   4,169 0 71,528
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 17,987 197,682 SH   SOLE   9,296 0 188,423
CISCO SYS INC COM 17275R102 888 19,840 SH   SOLE   3,622 0 16,218
ANALOG DEVICES INC COM 032654105 6,143 41,584 SH   SOLE   1,526 0 40,058
CORNING INC COM 219350105 668 18,555 SH   SOLE   318 0 18,237
T-MOBILE US INC COM 872590104 6,062 44,955 SH   SOLE   1,514 0 43,441
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 3,032 13,030 SH   SOLE   510 0 12,520
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 22,809 390,827 SH   SOLE   15,252 0 375,593
ABBVIE INC COM 00287Y109 214 1,996 SH   SOLE   600 0 1,396
EATON CORP PLC SHS G29183103 969 8,062 SH   SOLE   119 0 7,943
BROADCOM INC COM 11135F101 11,807 26,966 SH   SOLE   837 0 26,129
SYSCO CORP COM 871829107 1,391 18,727 SH   SOLE   225 0 18,502
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 927 3,999 SH   SOLE   125 0 3,874
PPL CORP COM 69351T106 447 15,844 SH   SOLE   259 0 15,585
PEOPLES BANCORP INC COM 709789101 235 8,693 SH   SOLE   0 0 8,693
WISDOMTREE TR US SMALLCAP DIVD 97717W604 512 19,263 SH   SOLE   388 0 18,875
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 230 1,500 SH   SOLE   700 0 800
VISA INC COM CL A 92826C839 10,276 46,982 SH   SOLE   1,642 0 45,340
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,519 458,743 SH   SOLE   17,130 0 441,613
CORE MOLDING TECHNOLOGIES IN COM 218683100 958 68,007 SH   SOLE   0 0 68,007
TJX COS INC NEW COM 872540109 6,341 92,854 SH   SOLE   3,660 0 89,194
FACEBOOK INC CL A 30303M102 10,240 37,488 SH   SOLE   1,327 0 36,161
LILLY ELI & CO COM 532457108 4,356 25,797 SH   SOLE   835 0 24,962
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,465 22,838 SH   SOLE   288 0 22,550
DNP SELECT INCOME FD INC COM 23325P104 146 14,202 SH   SOLE   0 0 14,202
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,707 34,456 SH   SOLE   276 0 34,180
CITIGROUP INC COM NEW 172967424 2,022 32,785 SH   SOLE   904 0 31,881
SALESFORCE COM INC COM 79466L302 9,860 44,310 SH   SOLE   2,011 0 42,299
HOME DEPOT INC COM 437076102 3,510 13,216 SH   SOLE   366 0 12,850
ALIGN TECHNOLOGY INC COM 016255101 1,068 1,999 SH   SOLE   195 0 1,804
L3HARRIS TECHNOLOGIES INC COM 502431109 7,577 40,084 SH   SOLE   1,566 0 38,518
METLIFE INC COM 59156R108 678 14,442 SH   SOLE   179 0 14,263
COCA COLA CO COM 191216100 1,125 20,521 SH   SOLE   297 0 20,224
AMGEN INC COM 031162100 268 1,165 SH   SOLE   1,000 0 165
UNITEDHEALTH GROUP INC COM 91324P102 10,315 29,415 SH   SOLE   1,223 0 28,192
NVIDIA CORPORATION COM 67066G104 588 1,126 SH   SOLE   0 0 1,126
WASTE MGMT INC DEL COM 94106L109 3,979 33,741 SH   SOLE   710 0 33,031
LOCKHEED MARTIN CORP COM 539830109 211 593 SH   SOLE   0 0 593
AMERICAN ELEC PWR CO INC COM 025537101 2,757 33,106 SH   SOLE   305 0 32,801
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,355 448,708 SH   SOLE   17,045 0 431,663
3M CO COM 88579Y101 224 1,281 SH   SOLE   0 0 1,281
MASCO CORP COM 574599106 685 12,476 SH   SOLE   0 0 12,476
TOTAL SE SPONSORED ADS 89151E109 1,829 43,636 SH   SOLE   1,980 0 41,656
RAYTHEON TECHNOLOGIES CORP COM 75513E101 822 11,500 SH   SOLE   0 0 11,500
LAUDER ESTEE COS INC CL A 518439104 2,184 8,203 SH   SOLE   685 0 7,518
STARBUCKS CORP COM 855244109 1,452 13,569 SH   SOLE   375 0 13,194
ABB LTD SPONSORED ADR 000375204 25 900 SH   SOLE   0 0 900
MICROSOFT CORP COM 594918104 15,948 71,700 SH   SOLE   2,912 0 68,788
ISHARES TR CORE S&P MCP ETF 464287507 3,463 15,069 SH   SOLE   665 0 14,404
PERKINELMER INC COM 714046109 255 1,774 SH   SOLE   0 0 1,774
ADOBE SYSTEMS INCORPORATED COM 00724F101 4,189 8,376 SH   SOLE   463 0 7,913
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 82 13,420 SH   SOLE   0 0 13,420
HEICO CORP NEW COM 422806109 315 2,382 SH   SOLE   0 0 2,382
MCDONALDS CORP COM 580135101 1,557 7,258 SH   SOLE   680 0 6,578
TC ENERGY CORP COM 87807B107 205 5,038 SH   SOLE   1,750 0 3,288
ALPHABET INC CAP STK CL A 02079K305 228 130 SH   SOLE   0 0 130
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 27,917 551,931 SH   SOLE   23,944 0 528,718
APPLIED MATLS INC COM 038222105 5,373 62,263 SH   SOLE   5,795 0 56,468
PHILLIPS 66 COM 718546104 4,013 57,380 SH   SOLE   2,613 0 54,767
UNILEVER PLC SPON ADR NEW 904767704 600 9,934 SH   SOLE   155 0 9,779
ISHARES TR MSCI EAFE ETF 464287465 355 4,865 SH   SOLE   0 0 4,865
SPDR SER TR PORTFOLIO SHORT 78464A474 38,222 1,217,269 SH   SOLE   39,875 0 1,177,394
ROYAL CARIBBEAN GROUP COM V7780T103 1,174 15,717 SH   SOLE   742 0 14,975
VMWARE INC CL A COM 928563402 2,540 18,112 SH   SOLE   824 0 17,288
SPDR SER TR NUVEEN BLMBRG SR 78468R739 427 8,570 SH   SOLE   0 0 8,570
ALPHABET INC CAP STK CL C 02079K107 12,014 6,858 SH   SOLE   302 0 6,556
HONEYWELL INTL INC COM 438516106 8,361 39,308 SH   SOLE   2,301 0 37,007
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 739 14,751 SH   SOLE   2,487 0 12,264
ASTRAZENECA PLC SPONSORED ADR 046353108 8,804 176,109 SH   SOLE   5,513 0 170,596
ISHARES TR CORE S&P500 ETF 464287200 458 1,219 SH   SOLE   0 0 1,219
UNITED PARCEL SERVICE INC CL B 911312106 925 5,495 SH   SOLE   79 0 5,416
MEDTRONIC PLC SHS G5960L103 2,010 17,157 SH   SOLE   206 0 16,951
BLACKROCK INC COM 09247X101 9,784 13,560 SH   SOLE   772 0 12,788
AES CORP COM 00130H105 1,583 67,350 SH   SOLE   0 0 67,350
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 18,100 265,469 SH   SOLE   11,894 0 253,575
JOHNSON & JOHNSON COM 478160104 1,158 7,361 SH   SOLE   1,094 0 6,267
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 3,397 67,700 SH   SOLE   4,525 0 63,175
PAYPAL HLDGS INC COM 70450Y103 9,754 41,648 SH   SOLE   1,482 0 40,166
DOLLAR GEN CORP NEW COM 256677105 8,374 39,821 SH   SOLE   1,414 0 38,407
KEYCORP COM 493267108 598 36,450 SH   SOLE   567 0 35,883