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 316 8,717 SH   SOLE   0 0 8,717
AMERICAN TOWER CORP NEW COM 03027X100 645 2,700 SH   SOLE   0 0 2,700
DISNEY WALT CO COM 254687106 11,398 61,770 SH   SOLE   3,478 0 58,292
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 240 3,050 SH   SOLE   500 0 2,550
DIGITAL RLTY TR INC COM 253868103 6,367 45,205 SH   SOLE   2,054 0 43,151
BECTON DICKINSON & CO COM 075887109 446 1,835 SH   SOLE   300 0 1,535
GENERAL ELECTRIC CO COM 369604103 268 20,406 SH   SOLE   0 0 20,406
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,070 191,007 SH   SOLE   0 0 191,007
ABBOTT LABS COM 002824100 9,972 83,213 SH   SOLE   3,417 0 79,796
PEPSICO INC COM 713448108 5,327 37,661 SH   SOLE   2,324 0 35,337
CVS HEALTH CORP COM 126650100 777 10,324 SH   SOLE   1,768 0 8,556
NEXTERA ENERGY INC COM 65339F101 2,212 29,261 SH   SOLE   3,180 0 26,081
TRAVELERS COMPANIES INC COM 89417E109 352 2,341 SH   SOLE   350 0 1,991
HUNT J B TRANS SVCS INC COM 445658107 958 5,700 SH   SOLE   275 0 5,425
PRUDENTIAL FINL INC COM 744320102 1,317 14,455 SH   SOLE   135 0 14,320
PROGRESSIVE CORP COM 743315103 2,150 22,489 SH   SOLE   1,445 0 21,044
AT&T INC COM 00206R102 1,321 43,641 SH   SOLE   667 0 42,974
APPLE INC COM 037833100 19,938 163,223 SH   SOLE   6,730 0 156,493
ISHARES TR MSCI USA MIN VOL 46429B697 375 5,423 SH   SOLE   250 0 5,173
AMAZON COM INC COM 023135106 12,011 3,882 SH   SOLE   0 0 3,882
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 612 2,214 SH   SOLE   28 0 2,186
MERCK & CO. INC COM 58933Y105 3,027 39,260 SH   SOLE   1,282 0 37,978
ISHARES TR MSCI USA QLT FCT 46432F339 4,308 35,377 SH   SOLE   1,455 0 33,922
LOWES COS INC COM 548661107 723 3,800 SH   SOLE   2,300 0 1,500
COLGATE PALMOLIVE CO COM 194162103 973 12,341 SH   SOLE   6,600 0 5,741
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,778 98,106 SH   SOLE   4,624 0 93,482
TEXAS INSTRS INC COM 882508104 215 1,139 SH   SOLE   0 0 1,139
PROCTER AND GAMBLE CO COM 742718109 1,921 14,187 SH   SOLE   900 0 13,287
DELTA AIR LINES INC DEL COM NEW 247361702 1,377 28,525 SH   SOLE   1,690 0 26,835
STRYKER CORPORATION COM 863667101 8,485 34,833 SH   SOLE   1,473 0 33,360
DUKE ENERGY CORP NEW COM NEW 26441C204 242 2,503 SH   SOLE   0 0 2,503
NIKE INC CL B 654106103 5,792 43,587 SH   SOLE   2,007 0 41,580
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 14,717 124,423 SH   SOLE   6,785 0 117,638
V F CORP COM 918204108 733 9,167 SH   SOLE   163 0 9,004
DOMINOS PIZZA INC COM 25754A201 1,231 3,347 SH   SOLE   190 0 3,157
INFOSYS LTD SPONSORED ADR 456788108 970 51,821 SH   SOLE   787 0 51,034
INTEL CORP COM 458140100 314 4,909 SH   SOLE   2,075 0 2,834
COMCAST CORP NEW CL A 20030N101 1,027 18,985 SH   SOLE   645 0 18,340
ISHARES TR CORE S&P SCP ETF 464287804 5,286 48,701 SH   SOLE   760 0 47,941
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 18,297 189,222 SH   SOLE   8,243 0 180,979
JPMORGAN CHASE & CO COM 46625H100 11,376 74,729 SH   SOLE   4,123 0 70,606
CISCO SYS INC COM 17275R102 978 18,906 SH   SOLE   3,564 0 15,342
ANALOG DEVICES INC COM 032654105 6,193 39,935 SH   SOLE   1,511 0 38,424
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,370 6,044 SH   SOLE   452 0 5,592
T-MOBILE US INC COM 872590104 6,387 50,978 SH   SOLE   1,590 0 49,388
CORNING INC COM 219350105 1,733 39,841 SH   SOLE   318 0 39,523
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 24,723 407,450 SH   SOLE   16,370 0 391,080
EATON CORP PLC SHS G29183103 1,040 7,523 SH   SOLE   86 0 7,437
BROADCOM INC COM 11135F101 12,244 26,408 SH   SOLE   833 0 25,575
SYSCO CORP COM 871829107 1,414 17,962 SH   SOLE   225 0 17,737
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 893 3,496 SH   SOLE   65 0 3,431
PPL CORP COM 69351T106 529 18,358 SH   SOLE   259 0 18,099
WISDOMTREE TR US SMALLCAP DIVD 97717W604 673 21,611 SH   SOLE   388 0 21,223
PEOPLES BANCORP INC COM 709789101 322 9,693 SH   SOLE   0 0 9,693
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 230 1,500 SH   SOLE   700 0 800
VISA INC COM CL A 92826C839 10,235 48,340 SH   SOLE   1,712 0 46,628
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 16,855 448,031 SH   SOLE   16,030 0 432,001
CORE MOLDING TECHNOLOGIES IN COM 218683100 639 54,456 SH   SOLE   0 0 54,456
TJX COS INC NEW COM 872540109 7,275 109,977 SH   SOLE   4,192 0 105,785
FACEBOOK INC CL A 30303M102 11,227 38,118 SH   SOLE   1,382 0 36,736
LILLY ELI & CO COM 532457108 4,896 26,208 SH   SOLE   1,055 0 25,153
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,742 23,890 SH   SOLE   253 0 23,637
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,936 33,558 SH   SOLE   271 0 33,287
DNP SELECT INCOME FD INC COM 23325P104 109 11,055 SH   SOLE   0 0 11,055
CITIGROUP INC COM NEW 172967424 2,204 30,294 SH   SOLE   904 0 29,390
SALESFORCE COM INC COM 79466L302 9,560 45,123 SH   SOLE   2,017 0 43,106
HOME DEPOT INC COM 437076102 6,472 21,203 SH   SOLE   479 0 20,724
ALIGN TECHNOLOGY INC COM 016255101 955 1,764 SH   SOLE   195 0 1,569
ISHARES TR ESG AWR MSCI USA 46435G425 226 2,489 SH   SOLE   0 0 2,489
L3HARRIS TECHNOLOGIES INC COM 502431109 8,555 42,207 SH   SOLE   1,616 0 40,591
METLIFE INC COM 59156R108 793 13,049 SH   SOLE   179 0 12,870
COCA COLA CO COM 191216100 1,133 21,496 SH   SOLE   297 0 21,199
AMGEN INC COM 031162100 286 1,150 SH   SOLE   1,000 0 150
UNITEDHEALTH GROUP INC COM 91324P102 11,082 29,785 SH   SOLE   1,280 0 28,505
NVIDIA CORPORATION COM 67066G104 568 1,065 SH   SOLE   0 0 1,065
WASTE MGMT INC DEL COM 94106L109 4,924 38,164 SH   SOLE   810 0 37,354
LOCKHEED MARTIN CORP COM 539830109 219 593 SH   SOLE   0 0 593
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,629 456,107 SH   SOLE   17,645 0 438,462
AMERICAN ELEC PWR CO INC COM 025537101 2,905 34,302 SH   SOLE   680 0 33,622
3M CO COM 88579Y101 247 1,281 SH   SOLE   0 0 1,281
TOTAL SE SPONSORED ADS 89151E109 1,838 39,500 SH   SOLE   1,980 0 37,520
RAYTHEON TECHNOLOGIES CORP COM 75513E101 906 11,723 SH   SOLE   0 0 11,723
MASCO CORP COM 574599106 600 10,011 SH   SOLE   0 0 10,011
LAUDER ESTEE COS INC CL A 518439104 1,305 4,486 SH   SOLE   160 0 4,326
STARBUCKS CORP COM 855244109 1,314 12,024 SH   SOLE   375 0 11,649
MICROSOFT CORP COM 594918104 16,886 71,620 SH   SOLE   3,017 0 68,603
ISHARES TR CORE S&P MCP ETF 464287507 3,777 14,513 SH   SOLE   615 0 13,898
PERKINELMER INC COM 714046109 228 1,774 SH   SOLE   0 0 1,774
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,938 8,285 SH   SOLE   463 0 7,822
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 87 13,420 SH   SOLE   0 0 13,420
MCDONALDS CORP COM 580135101 1,529 6,820 SH   SOLE   680 0 6,140
HEICO CORP NEW COM 422806109 300 2,382 SH   SOLE   0 0 2,382
ENBRIDGE INC COM 29250N105 238 6,546 SH   SOLE   0 0 6,546
ALPHABET INC CAP STK CL A 02079K305 237 115 SH   SOLE   0 0 115
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 30,003 594,358 SH   SOLE   26,027 0 568,331
COMPANHIA PARANAENSE ENERG C SPON ADR PFD 20441B407 15 12,000 SH   SOLE   0 0 12,000
APPLIED MATLS INC COM 038222105 7,041 52,703 SH   SOLE   5,235 0 47,468
UNILEVER PLC SPON ADR NEW 904767704 605 10,842 SH   SOLE   155 0 10,687
PHILLIPS 66 COM 718546104 4,519 55,424 SH   SOLE   2,669 0 52,755
ISHARES TR MSCI EAFE ETF 464287465 369 4,865 SH   SOLE   0 0 4,865
SPDR SER TR PORTFOLIO SHORT 78464A474 41,838 1,336,270 SH   SOLE   49,110 0 1,287,160
ROYAL CARIBBEAN GROUP COM V7780T103 1,245 14,544 SH   SOLE   742 0 13,802
VMWARE INC CL A COM 928563402 2,952 19,623 SH   SOLE   873 0 18,750
ADAMIS PHARMACEUTICALS CORP COM NEW 00547W208 11 11,300 SH   SOLE   0 0 11,300
ALPHABET INC CAP STK CL C 02079K107 13,655 6,601 SH   SOLE   288 0 6,313
HONEYWELL INTL INC COM 438516106 8,822 40,641 SH   SOLE   2,420 0 38,221
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 754 14,478 SH   SOLE   2,487 0 11,991
ASTRAZENECA PLC SPONSORED ADR 046353108 8,853 178,051 SH   SOLE   5,781 0 172,270
ISHARES TR CORE S&P500 ETF 464287200 475 1,193 SH   SOLE   0 0 1,193
UNITED PARCEL SERVICE INC CL B 911312106 1,015 5,973 SH   SOLE   79 0 5,894
MEDTRONIC PLC SHS G5960L103 2,253 19,069 SH   SOLE   206 0 18,863
BLACKROCK INC COM 09247X101 10,371 13,755 SH   SOLE   807 0 12,948
AES CORP COM 00130H105 1,757 65,533 SH   SOLE   0 0 65,533
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 19,853 266,728 SH   SOLE   12,775 0 253,953
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 3,139 62,545 SH   SOLE   4,500 0 58,045
JOHNSON & JOHNSON COM 478160104 1,269 7,721 SH   SOLE   1,094 0 6,627
DOLLAR GEN CORP NEW COM 256677105 8,636 42,624 SH   SOLE   1,677 0 40,947
PAYPAL HLDGS INC COM 70450Y103 9,850 40,562 SH   SOLE   1,506 0 39,056
KEYCORP COM 493267108 799 39,971 SH   SOLE   567 0 39,404