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
SPDR SER TR BLMBRG BRC CNVRT 78464A359 8,826 105,895 SH   SOLE   0 0 105,895
ISHARES TR SHRT NAT MUN ETF 464288158 216 2,007 SH   SOLE   0 0 2,007
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 16,727 118,080 SH   SOLE   0 0 118,080
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,739 117,657 SH   SOLE   0 0 117,657
ISHARES TR NATIONAL MUN ETF 464288414 5,529 47,641 SH   SOLE   0 0 47,641
DRAFTKINGS INC COM CL A 26142R104 268 4,374 SH   SOLE   0 0 4,374
DISNEY WALT CO COM 254687106 491 2,663 SH   SOLE   0 0 2,663
SPDR S&P 500 ETF TR TR UNIT 78462F103 618 1,560 SH   SOLE   0 0 1,560
CHOICE HOTELS INTL INC COM 169905106 281 2,618 SH   SOLE   0 0 2,618
AON PLC SHS CL A G0403H108 660 2,867 SH   SOLE   0 0 2,867
ANNALY CAPITAL MANAGEMENT IN COM 035710409 359 41,750 SH   SOLE   0 0 41,750
BK OF AMERICA CORP COM 060505104 362 9,366 SH   SOLE   0 0 9,366
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 903 3,612 SH   SOLE   0 0 3,612
AMERICAN EXPRESS CO COM 025816109 998 7,059 SH   SOLE   0 0 7,059
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 281 1,582 SH   SOLE   0 0 1,582
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 592 17,955 SH   SOLE   0 0 17,955
STATE STR CORP COM 857477103 526 6,265 SH   SOLE   0 0 6,265
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,798 22,725 SH   SOLE   0 0 22,725
FS KKR CAP CORP II COM 35952V303 565 28,925 SH   SOLE   0 0 28,925
NEXTERA ENERGY INC COM 65339F101 302 3,995 SH   SOLE   0 0 3,995
UNION PAC CORP COM 907818108 267 1,210 SH   SOLE   0 0 1,210
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 670 19,444 SH   SOLE   0 0 19,444
AT&T INC COM 00206R102 654 21,598 SH   SOLE   0 0 21,598
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,418 245,129 SH   SOLE   0 0 245,129
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 485 1,470 SH   SOLE   0 0 1,470
LOWES COS INC COM 548661107 252 1,327 SH   SOLE   0 0 1,327
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19,661 639,375 SH   SOLE   0 0 639,375
APPLE INC COM 037833100 4,898 40,101 SH   SOLE   0 0 40,101
DISNEY WALT CO COM 254687106 12 200 SH Call SOLE   0 0 200
AMAZON COM INC COM 023135106 1,417 458 SH   SOLE   0 0 458
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 406 15,166 SH   SOLE   0 0 15,166
MERCK & CO. INC COM 58933Y105 248 3,215 SH   SOLE   0 0 3,215
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 562 6,836 SH   SOLE   0 0 6,836
PROCTER AND GAMBLE CO COM 742718109 290 2,140 SH   SOLE   0 0 2,140
BOEING CO COM 097023105 368 1,445 SH   SOLE   0 0 1,445
ISHARES TR EAFE SML CP ETF 464288273 2,124 29,560 SH   SOLE   0 0 29,560
CINCINNATI FINL CORP COM 172062101 256 2,483 SH   SOLE   0 0 2,483
HEPION PHARMACEUTICALS INC COM 426897104 67 36,641 SH   SOLE   0 0 36,641
PIMCO ETF TR INV GRD CRP BD 72201R817 8,932 80,169 SH   SOLE   0 0 80,169
ORACLE CORP COM 68389X105 383 5,462 SH   SOLE   0 0 5,462
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,038 20,449 SH   SOLE   0 0 20,449
LEAP THERAPEUTICS INC COM 52187K101 35 18,387 SH   SOLE   0 0 18,387
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 8,262 146,464 SH   SOLE   0 0 146,464
WORLD GOLD TR SPDR GLD MINIS 98149E204 175 10,310 SH   SOLE   0 0 10,310
MODERNA INC COM 60770K107 301 2,300 SH   SOLE   0 0 2,300
VANGUARD INDEX FDS GROWTH ETF 922908736 464 1,805 SH   SOLE   0 0 1,805
NIKE INC CL B 654106103 342 2,573 SH   SOLE   0 0 2,573
ISHARES TR JPMORGAN USD EMG 464288281 233 2,139 SH   SOLE   0 0 2,139
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 57,701 1,069,528 SH   SOLE   0 0 1,069,528
INTEL CORP COM 458140100 335 5,236 SH   SOLE   0 0 5,236
US BANCORP DEL COM NEW 902973304 430 7,774 SH   SOLE   0 0 7,774
CINTAS CORP COM 172908105 299 877 SH   SOLE   0 0 877
ISHARES TR CORE MSCI TOTAL 46432F834 1,767 25,138 SH   SOLE   0 0 25,138
DOW INC COM 260557103 460 7,199 SH   SOLE   0 0 7,199
COMCAST CORP NEW CL A 20030N101 406 7,494 SH   SOLE   0 0 7,494
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,970 109,408 SH   SOLE   0 0 109,408
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 1,678 68,139 SH   SOLE   0 0 68,139
CISCO SYS INC COM 17275R102 653 12,619 SH   SOLE   0 0 12,619
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,741 78,519 SH   SOLE   0 0 78,519
BRISTOL-MYERS SQUIBB CO COM 110122108 420 6,652 SH   SOLE   0 0 6,652
EXXON MOBIL CORP COM 30231G102 391 7,003 SH   SOLE   0 0 7,003
ABBVIE INC COM 00287Y109 958 8,857 SH   SOLE   0 0 8,857
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 307 1,200 SH   SOLE   0 0 1,200
SPDR SER TR NUVEEN BBG BRCLY 78464A284 2,464 41,535 SH   SOLE   0 0 41,535
ISHARES INC CORE MSCI EMKT 46434G103 477 7,415 SH   SOLE   0 0 7,415
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 4,147 129,766 SH   SOLE   0 0 129,766
SPDR SER TR PORTFOLIO LN TSR 78464A664 13,796 353,937 SH   SOLE   0 0 353,937
SENSEONICS HLDGS INC COM 81727U105 66 25,000 SH   SOLE   0 0 25,000
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 7,309 487,289 SH   SOLE   0 0 487,289
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 243 1,650 SH   SOLE   0 0 1,650
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 67,069 516,794 SH   SOLE   0 0 516,794
VISA INC COM CL A 92826C839 235 1,110 SH   SOLE   0 0 1,110
PPL CORP COM 69351T106 215 7,470 SH   SOLE   0 0 7,470
SPDR SER TR S&P 400 MDCP VAL 78464A839 22,491 343,747 SH   SOLE   0 0 343,747
TRIMBLE INC COM 896239100 531 6,830 SH   SOLE   0 0 6,830
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,031 7,394 SH   SOLE   0 0 7,394
SPDR SER TR NUVEEN BRC MUNIC 78468R721 9,364 181,262 SH   SOLE   0 0 181,262
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 48,339 1,284,928 SH   SOLE   0 0 1,284,928
ISHARES TR CONV BD ETF 46435G102 226 2,299 SH   SOLE   0 0 2,299
SPDR SER TR S&P BIOTECH 78464A870 1,116 8,229 SH   SOLE   0 0 8,229
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 76,218 1,475,100 SH   SOLE   0 0 1,475,100
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,339 16,174 SH   SOLE   0 0 16,174
TJX COS INC NEW COM 872540109 353 5,342 SH   SOLE   0 0 5,342
GLOBE LIFE INC COM 37959E102 277 2,869 SH   SOLE   0 0 2,869
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,047 14,233 SH   SOLE   0 0 14,233
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,142 43,090 SH   SOLE   0 0 43,090
ISHARES TR RUS MDCP VAL ETF 464287473 2,577 23,581 SH   SOLE   0 0 23,581
PENN NATL GAMING INC COM 707569109 265 2,530 SH   SOLE   0 0 2,530
INSULET CORP COM 45784P101 273 1,046 SH   SOLE   0 0 1,046
WISDOMTREE TR INTRST RATE HDGE 97717W380 1,194 25,394 SH   SOLE   0 0 25,394
VIACOMCBS INC CL B 92556H206 379 8,396 SH   SOLE   0 0 8,396
FACEBOOK INC CL A 30303M102 431 1,464 SH   SOLE   0 0 1,464
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,183 34,753 SH   SOLE   0 0 34,753
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,101 160,252 SH   SOLE   0 0 160,252
SILK RD MED INC COM 82710M100 208 4,115 SH   SOLE   0 0 4,115
ISHARES TR IBOXX HI YD ETF 464288513 3,810 43,701 SH   SOLE   0 0 43,701
SPDR SER TR WELLS FG PFD ETF 78464A292 288 6,628 SH   SOLE   0 0 6,628
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,012 7,214 SH   SOLE   0 0 7,214
DYNATRACE INC COM NEW 268150109 689 14,291 SH   SOLE   0 0 14,291
HOME DEPOT INC COM 437076102 270 883 SH   SOLE   0 0 883
ISHARES TR CORE US AGGBD ET 464287226 1,800 15,812 SH   SOLE   0 0 15,812
COCA COLA CO COM 191216100 297 5,632 SH   SOLE   0 0 5,632
INVESCO QQQ TR UNIT SER 1 46090E103 504 1,580 SH   SOLE   0 0 1,580
TESLA INC COM 88160R101 1,033 1,546 SH   SOLE   0 0 1,546
INTERNATIONAL BUSINESS MACHS COM 459200101 430 3,230 SH   SOLE   0 0 3,230
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,549 41,143 SH   SOLE   0 0 41,143
3M CO COM 88579Y101 340 1,765 SH   SOLE   0 0 1,765
VERIZON COMMUNICATIONS INC COM 92343V104 984 16,929 SH   SOLE   0 0 16,929
NVIDIA CORPORATION COM 67066G104 255 478 SH   SOLE   0 0 478
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,677 174,582 SH   SOLE   0 0 174,582
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 4,220 14,231 SH   SOLE   0 0 14,231
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 701 1,924 SH   SOLE   0 0 1,924
T2 BIOSYSTEMS INC COM 89853L104 126 77,526 SH   SOLE   0 0 77,526
MICROSOFT CORP COM 594918104 1,059 4,492 SH   SOLE   0 0 4,492
TYSON FOODS INC CL A 902494103 262 3,524 SH   SOLE   0 0 3,524
VERASTEM INC COM 92337C104 77 31,054 SH   SOLE   0 0 31,054
WISDOMTREE TR HEDGED HI YLD BD 97717W430 4,037 182,494 SH   SOLE   0 0 182,494
STARBUCKS CORP COM 855244109 358 3,276 SH   SOLE   0 0 3,276
CASSAVA SCIENCES INC COM 14817C107 241 5,358 SH   SOLE   0 0 5,358
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,858 5,183 SH   SOLE   0 0 5,183
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 87,492 911,091 SH   SOLE   0 0 911,091
TATTOOED CHEF INC COM CL A 87663X102 274 14,113 SH   SOLE   0 0 14,113
ISHARES TR RUS 1000 GRW ETF 464287614 201 828 SH   SOLE   0 0 828
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 820 32,749 SH   SOLE   0 0 32,749
MCDONALDS CORP COM 580135101 368 1,640 SH   SOLE   0 0 1,640
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 252 2,158 SH   SOLE   0 0 2,158
MARRIOTT INTL INC NEW CL A 571903202 204 1,376 SH   SOLE   0 0 1,376
ISHARES TR ASIA 50 ETF 464288430 2,221 24,099 SH   SOLE   0 0 24,099
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,965 44,879 SH   SOLE   0 0 44,879
ALPHABET INC CAP STK CL A 02079K305 732 355 SH   SOLE   0 0 355
FRANCO NEV CORP COM 351858105 285 2,278 SH   SOLE   0 0 2,278
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 4,586 207,233 SH   SOLE   0 0 207,233
VERTEX PHARMACEUTICALS INC COM 92532F100 367 1,710 SH   SOLE   0 0 1,710
ALPHABET INC CAP STK CL C 02079K107 484 234 SH   SOLE   0 0 234
AGILENT TECHNOLOGIES INC COM 00846U101 345 2,711 SH   SOLE   0 0 2,711
ISHARES TR MSCI EAFE ETF 464287465 3,752 49,455 SH   SOLE   0 0 49,455
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,404 68,679 SH   SOLE   0 0 68,679
ISHARES TR 20 YR TR BD ETF 464287432 213 1,576 SH   SOLE   0 0 1,576
GLOBAL X FDS S&P 500 COVERED 37954Y475 2,806 58,677 SH   SOLE   0 0 58,677
ISHARES TR RUS MD CP GR ETF 464287481 2,030 19,886 SH   SOLE   0 0 19,886
CHEMED CORP NEW COM 16359R103 318 691 SH   SOLE   0 0 691
GAMIDA CELL LTD SHS M47364100 198 24,429 SH   SOLE   0 0 24,429
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 624 25,999 SH   SOLE   0 0 25,999
BIOGEN INC COM 09062X103 318 1,137 SH   SOLE   0 0 1,137
ISHARES TR CORE S&P500 ETF 464287200 4,063 10,212 SH   SOLE   0 0 10,212
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,801 126,676 SH   SOLE   0 0 126,676
UNITED PARCEL SERVICE INC CL B 911312106 622 3,659 SH   SOLE   0 0 3,659
DBX ETF TR XTRACK MUN INFRA 233051705 3,143 108,832 SH   SOLE   0 0 108,832
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,271 23,269 SH   SOLE   0 0 23,269
SPDR SER TR S&P 400 MDCP GRW 78464A821 27,961 372,271 SH   SOLE   0 0 372,271
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,279 19,941 SH   SOLE   0 0 19,941
PAYPAL HLDGS INC COM 70450Y103 303 1,249 SH   SOLE   0 0 1,249
SPDR SER TR MSCI USA STRTGIC 78468R812 2,758 24,831 SH   SOLE   0 0 24,831
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,714 23,023 SH   SOLE   0 0 23,023
JOHNSON & JOHNSON COM 478160104 923 5,618 SH   SOLE   0 0 5,618
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 296 1,801 SH   SOLE   0 0 1,801
ISHARES TR 0-5YR HI YL CP 46434V407 564 12,310 SH   SOLE   0 0 12,310
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 23,713 601,537 SH   SOLE   0 0 601,537
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,160 13,046 SH   SOLE   0 0 13,046
CHURCHILL CAPITAL CORP IV *W EXP 08/04/202 171439110 134 12,000 SH   SOLE   0 0 12,000
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 563 3,352 SH   SOLE   0 0 3,352