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
AT&T INC COM 00206R102 2,132 54,555 SH   SOLE 0 0 0 54,555
ABBOTT LABS COM 002824100 1,954 22,493 SH   SOLE 0 0 0 22,493
ABBVIE INC COM 00287Y109 1,446 16,337 SH   SOLE 0 0 0 16,337
ADOBE INC COM 00724F101 237 718 SH   SOLE 0 0 0 718
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 248 1,169 SH   SOLE 0 0 0 1,169
ALPHABET INC CAP STK CL C 02079K107 564 422 SH   SOLE 0 0 0 422
ALPHABET INC CAP STK CL A 02079K305 986 736 SH   SOLE 0 0 0 736
AMAZON COM INC COM 023135106 1,803 976 SH   SOLE 0 0 0 976
AMERICAN EXPRESS CO COM 025816109 378 3,037 SH   SOLE 0 0 0 3,037
AMERICAN TOWER CORP NEW COM 03027X100 432 1,881 SH   SOLE 0 0 0 1,881
AMGEN INC COM 031162100 630 2,615 SH   SOLE 0 0 0 2,615
ANALOG DEVICES INC COM 032654105 740 6,223 SH   SOLE 0 0 0 6,223
ANTHEM INC COM 036752103 298 987 SH   SOLE 0 0 0 987
APPLE INC COM 037833100 12,889 43,892 SH   SOLE 0 0 0 43,892
AUTOMATIC DATA PROCESSING IN COM 053015103 386 2,267 SH   SOLE 0 0 0 2,267
BP PLC SPONSORED ADR 055622104 319 8,453 SH   SOLE 0 0 0 8,453
BANK AMER CORP COM 060505104 1,515 43,007 SH   SOLE 0 0 0 43,007
BANK NEW YORK MELLON CORP COM 064058100 266 5,278 SH   SOLE 0 0 0 5,278
BECTON DICKINSON & CO COM 075887109 666 2,449 SH   SOLE 0 0 0 2,449
BERKSHIRE HATHAWAY INC DEL CL A 084670108 340 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,936 8,548 SH   SOLE 0 0 0 8,548
BLACKROCK INC COM 09247X101 742 1,477 SH   SOLE 0 0 0 1,477
BLACKSTONE GROUP INC COM CL A 09260D107 623 11,129 SH   SOLE 0 0 0 11,129
BOEING CO COM 097023105 996 3,059 SH   SOLE 0 0 0 3,059
BRISTOL MYERS SQUIBB CO COM 110122108 688 10,725 SH   SOLE 0 0 0 10,725
CBRE GROUP INC CL A 12504L109 201 3,282 SH   SOLE 0 0 0 3,282
CVS HEALTH CORP COM 126650100 346 4,663 SH   SOLE 0 0 0 4,663
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 630 172,570 SH   SOLE 0 0 0 172,570
CATERPILLAR INC DEL COM 149123101 714 4,837 SH   SOLE 0 0 0 4,837
CHEVRON CORP NEW COM 166764100 1,295 10,746 SH   SOLE 0 0 0 10,746
CISCO SYS INC COM 17275R102 1,220 25,429 SH   SOLE 0 0 0 25,429
CITIGROUP INC COM NEW 172967424 236 2,958 SH   SOLE 0 0 0 2,958
COCA COLA CO COM 191216100 1,094 19,769 SH   SOLE 0 0 0 19,769
COLGATE PALMOLIVE CO COM 194162103 219 3,180 SH   SOLE 0 0 0 3,180
COMCAST CORP NEW CL A 20030N101 1,258 27,977 SH   SOLE 0 0 0 27,977
CONOCOPHILLIPS COM 20825C104 621 9,548 SH   SOLE 0 0 0 9,548
CORTEVA INC COM 22052L104 246 8,322 SH   SOLE 0 0 0 8,322
COSTCO WHSL CORP NEW COM 22160K105 536 1,825 SH   SOLE 0 0 0 1,825
DANAHER CORPORATION COM 235851102 332 2,161 SH   SOLE 0 0 0 2,161
DISNEY WALT CO COM DISNEY 254687106 961 6,643 SH   SOLE 0 0 0 6,643
DOLLAR GEN CORP NEW COM 256677105 1,134 7,268 SH   SOLE 0 0 0 7,268
DOMINION ENERGY INC COM 25746U109 296 3,568 SH   SOLE 0 0 0 3,568
DOW INC COM 260557103 756 13,821 SH   SOLE 0 0 0 13,821
DUPONT DE NEMOURS INC COM 26614N102 315 4,908 SH   SOLE 0 0 0 4,908
EXXON MOBIL CORP COM 30231G102 1,352 19,372 SH   SOLE 0 0 0 19,372
FACEBOOK INC CL A 30303M102 255 1,242 SH   SOLE 0 0 0 1,242
FIRST MERCHANTS CORP COM 320817109 620 14,900 SH   SOLE 0 0 0 14,900
GENERAL ELECTRIC CO COM 369604103 841 75,395 SH   SOLE 0 0 0 75,395
GOLDMAN SACHS GROUP INC COM 38141G104 838 3,644 SH   SOLE 0 0 0 3,644
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 9,407 93,939 SH   SOLE 0 0 0 93,939
HERITAGE CRYSTAL CLEAN INC COM 42726M106 3,221 102,692 SH   SOLE 0 0 0 102,692
HILL ROM HLDGS INC COM 431475102 312 2,749 SH   SOLE 0 0 0 2,749
HOME DEPOT INC COM 437076102 996 4,561 SH   SOLE 0 0 0 4,561
HONEYWELL INTL INC COM 438516106 798 4,508 SH   SOLE 0 0 0 4,508
ILLINOIS TOOL WKS INC COM 452308109 368 2,050 SH   SOLE 0 0 0 2,050
INTEL CORP COM 458140100 1,897 31,692 SH   SOLE 0 0 0 31,692
INTERNATIONAL BUSINESS MACHS COM 459200101 576 4,298 SH   SOLE 0 0 0 4,298
INTUITIVE SURGICAL INC COM NEW 46120E602 339 573 SH   SOLE 0 0 0 573
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 350 9,581 SH   SOLE 0 0 0 9,581
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 851 7,350 SH   SOLE 0 0 0 7,350
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 895 7,063 SH   SOLE 0 0 0 7,063
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 435 7,454 SH   SOLE 0 0 0 7,454
ISHARES TR MRNGSTR LG-CP GR 464287119 234 1,115 SH   SOLE 0 0 0 1,115
ISHARES TR CORE S&P TTL STK 464287150 2,487 34,213 SH   SOLE 0 0 0 34,213
ISHARES TR CORE S&P500 ETF 464287200 7,648 23,660 SH   SOLE 0 0 0 23,660
ISHARES TR CORE US AGGBD ET 464287226 441 3,927 SH   SOLE 0 0 0 3,927
ISHARES TR S&P 500 GRWT ETF 464287309 525 2,711 SH   SOLE 0 0 0 2,711
ISHARES TR S&P 500 VAL ETF 464287408 602 4,631 SH   SOLE 0 0 0 4,631
ISHARES TR 20 YR TR BD ETF 464287432 205 1,511 SH   SOLE 0 0 0 1,511
ISHARES TR 1 3 YR TREAS BD 464287457 223 2,632 SH   SOLE 0 0 0 2,632
ISHARES TR MSCI EAFE ETF 464287465 2,735 39,380 SH   SOLE 0 0 0 39,380
ISHARES TR RUS MDCP VAL ETF 464287473 30,873 325,772 SH   SOLE 0 0 0 325,772
ISHARES TR RUS MD CP GR ETF 464287481 2,153 14,107 SH   SOLE 0 0 0 14,107
ISHARES TR RUS MID CAP ETF 464287499 712 11,944 SH   SOLE 0 0 0 11,944
ISHARES TR CORE S&P MCP ETF 464287507 1,395 6,778 SH   SOLE 0 0 0 6,778
ISHARES TR S&P MC 400GR ETF 464287606 797 3,349 SH   SOLE 0 0 0 3,349
ISHARES TR RUS 2000 VAL ETF 464287630 3,741 29,099 SH   SOLE 0 0 0 29,099
ISHARES TR RUSSELL 2000 ETF 464287655 259 1,562 SH   SOLE 0 0 0 1,562
ISHARES TR CORE S&P US VLU 464287663 391 6,197 SH   SOLE 0 0 0 6,197
ISHARES TR CORE S&P US GWT 464287671 278 4,103 SH   SOLE 0 0 0 4,103
ISHARES TR RUSSELL 3000 ETF 464287689 205 1,085 SH   SOLE 0 0 0 1,085
ISHARES TR S&P MC 400VL ETF 464287705 1,603 9,388 SH   SOLE 0 0 0 9,388
ISHARES TR CORE S&P SCP ETF 464287804 1,719 20,497 SH   SOLE 0 0 0 20,497
ISHARES TR SP SMCP600VL ETF 464287879 368 2,289 SH   SOLE 0 0 0 2,289
ISHARES TR SHRT NAT MUN ETF 464288158 11,079 103,755 SH   SOLE 0 0 0 103,755
ISHARES TR MSCI ACWI EX US 464288240 434 8,844 SH   SOLE 0 0 0 8,844
ISHARES TR NATIONAL MUN ETF 464288414 1,912 16,783 SH   SOLE 0 0 0 16,783
ISHARES TR INTRM GOV CR ETF 464288612 3,539 31,414 SH   SOLE 0 0 0 31,414
ISHARES TR MSCI MIN VOL ETF 46429B697 4,961 75,632 SH   SOLE 0 0 0 75,632
ISHARES US ETF TR SHT MAT BD ETF 46431W507 5,109 101,670 SH   SOLE 0 0 0 101,670
ISHARES TR USA QUALITY FCTR 46432F339 1,813 17,949 SH   SOLE 0 0 0 17,949
ISHARES TR USA MOMENTUM FCT 46432F396 590 4,696 SH   SOLE 0 0 0 4,696
ISHARES TR CORE MSCI TOTAL 46432F834 4,147 67,003 SH   SOLE 0 0 0 67,003
ISHARES TR CORE MSCI EAFE 46432F842 5,455 83,621 SH   SOLE 0 0 0 83,621
ISHARES TR CORE 1 5 YR USD 46432F859 9,246 183,460 SH   SOLE 0 0 0 183,460
ISHARES INC CORE MSCI EMKT 46434G103 1,045 19,439 SH   SOLE 0 0 0 19,439
ISHARES TR MULTIFACTOR USA 46434V282 1,337 38,763 SH   SOLE 0 0 0 38,763
ISHARES TR CORE TOTAL USD 46434V613 1,383 26,531 SH   SOLE 0 0 0 26,531
ISHARES TR CORE DIV GRWTH 46434V621 4,556 108,285 SH   SOLE 0 0 0 108,285
ISHARES TR EDGE MSCI MINM 46435G433 419 11,813 SH   SOLE 0 0 0 11,813
JPMORGAN CHASE & CO COM 46625H100 1,992 14,291 SH   SOLE 0 0 0 14,291
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 558 11,072 SH   SOLE 0 0 0 11,072
JOHNSON & JOHNSON COM 478160104 1,817 12,456 SH   SOLE 0 0 0 12,456
LILLY ELI & CO COM 532457108 8,648 65,802 SH   SOLE 0 0 0 65,802
LOCKHEED MARTIN CORP COM 539830109 383 984 SH   SOLE 0 0 0 984
LOWES COS INC COM 548661107 477 3,985 SH   SOLE 0 0 0 3,985
MARSH & MCLENNAN COS INC COM 571748102 257 2,307 SH   SOLE 0 0 0 2,307
MASTERCARD INC CL A 57636Q104 920 3,080 SH   SOLE 0 0 0 3,080
MCDONALDS CORP COM 580135101 1,129 5,715 SH   SOLE 0 0 0 5,715
MERCK & CO INC COM 58933Y105 1,282 14,092 SH   SOLE 0 0 0 14,092
MICROSOFT CORP COM 594918104 4,605 29,202 SH   SOLE 0 0 0 29,202
MONDELEZ INTL INC CL A 609207105 367 6,669 SH   SOLE 0 0 0 6,669
NEXTERA ENERGY INC COM 65339F101 377 1,557 SH   SOLE 0 0 0 1,557
NIKE INC CL B 654106103 560 5,525 SH   SOLE 0 0 0 5,525
NUVEEN SELECT TAX FREE INCM SH BEN INT 67062F100 266 16,188 SH   SOLE 0 0 0 16,188
ORACLE CORP COM 68389X105 400 7,544 SH   SOLE 0 0 0 7,544
PNC FINL SVCS GROUP INC COM 693475105 445 2,789 SH   SOLE 0 0 0 2,789
PENUMBRA INC COM 70975L107 2,218 13,500 SH   SOLE 0 0 0 13,500
PEPSICO INC COM 713448108 1,849 13,530 SH   SOLE 0 0 0 13,530
PFIZER INC COM 717081103 1,155 29,481 SH   SOLE 0 0 0 29,481
PROCTER & GAMBLE CO COM 742718109 1,195 9,567 SH   SOLE 0 0 0 9,567
PROSHARES TR PSHS ULT S&P 500 74347R107 359 2,380 SH   SOLE 0 0 0 2,380
QUALCOMM INC COM 747525103 986 11,179 SH   SOLE 0 0 0 11,179
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,662 11,377 SH   SOLE 0 0 0 11,377
SPDR GOLD TRUST GOLD SHS 78463V107 414 2,897 SH   SOLE 0 0 0 2,897
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 580 22,515 SH   SOLE 0 0 0 22,515
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 368 5,600 SH   SOLE 0 0 0 5,600
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 216 7,356 SH   SOLE 0 0 0 7,356
SPDR SERIES TRUST S&P DIVID ETF 78464A763 208 1,934 SH   SOLE 0 0 0 1,934
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 685 11,992 SH   SOLE 0 0 0 11,992
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 2,162 39,469 SH   SOLE 0 0 0 39,469
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 342 9,428 SH   SOLE 0 0 0 9,428
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 1,686 44,584 SH   SOLE 0 0 0 44,584
SPDR SERIES TRUST S&P1500MOMTILT 78468R705 253 1,832 SH   SOLE 0 0 0 1,832
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 431 8,771 SH   SOLE 0 0 0 8,771
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 431 5,612 SH   SOLE 0 0 0 5,612
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,918 24,973 SH   SOLE 0 0 0 24,973
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,025 11,032 SH   SOLE 0 0 0 11,032
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 623 8,238 SH   SOLE 0 0 0 8,238
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 208 4,872 SH   SOLE 0 0 0 4,872
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 262 4,530 SH   SOLE 0 0 0 4,530
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 425 12,642 SH   SOLE 0 0 0 12,642
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,910 37,836 SH   SOLE 0 0 0 37,836
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 404 4,407 SH   SOLE 0 0 0 4,407
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 326 8,428 SH   SOLE 0 0 0 8,428
STARBUCKS CORP COM 855244109 577 6,565 SH   SOLE 0 0 0 6,565
TJX COS INC NEW COM 872540109 584 9,557 SH   SOLE 0 0 0 9,557
TEXAS INSTRS INC COM 882508104 1,071 8,352 SH   SOLE 0 0 0 8,352
THERMO FISHER SCIENTIFIC INC COM 883556102 307 946 SH   SOLE 0 0 0 946
3M CO COM 88579Y101 683 3,870 SH   SOLE 0 0 0 3,870
TRAVELERS COMPANIES INC COM 89417E109 293 2,142 SH   SOLE 0 0 0 2,142
UNION PACIFIC CORP COM 907818108 1,643 9,088 SH   SOLE 0 0 0 9,088
UNITED PARCEL SERVICE INC CL B 911312106 476 4,067 SH   SOLE 0 0 0 4,067
UNITED TECHNOLOGIES CORP COM 913017109 1,195 7,978 SH   SOLE 0 0 0 7,978
UNITEDHEALTH GROUP INC COM 91324P102 1,232 4,190 SH   SOLE 0 0 0 4,190
VANGUARD GROUP DIV APP ETF 921908844 1,001 8,026 SH   SOLE 0 0 0 8,026
VANGUARD STAR FD VG TL INTL STK F 921909768 1,471 26,413 SH   SOLE 0 0 0 26,413
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 538 6,677 SH   SOLE 0 0 0 6,677
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 259 5,881 SH   SOLE 0 0 0 5,881
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 282 3,478 SH   SOLE 0 0 0 3,478
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,080 20,099 SH   SOLE 0 0 0 20,099
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 434 9,751 SH   SOLE 0 0 0 9,751
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 836 15,608 SH   SOLE 0 0 0 15,608
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,869 13,081 SH   SOLE 0 0 0 13,081
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 771 6,465 SH   SOLE 0 0 0 6,465
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 928 5,847 SH   SOLE 0 0 0 5,847
VANGUARD INDEX FDS SM CP VAL ETF 922908611 216 1,579 SH   SOLE 0 0 0 1,579
VANGUARD INDEX FDS MID CAP ETF 922908629 546 3,062 SH   SOLE 0 0 0 3,062
VANGUARD INDEX FDS GROWTH ETF 922908736 550 3,021 SH   SOLE 0 0 0 3,021
VANGUARD INDEX FDS VALUE ETF 922908744 419 3,492 SH   SOLE 0 0 0 3,492
VANGUARD INDEX FDS TOTAL STK MKT 922908769 760 4,647 SH   SOLE 0 0 0 4,647
VERIZON COMMUNICATIONS INC COM 92343V104 1,857 30,250 SH   SOLE 0 0 0 30,250
VISA INC COM CL A 92826C839 710 3,778 SH   SOLE 0 0 0 3,778
WALMART INC COM 931142103 741 6,239 SH   SOLE 0 0 0 6,239
WELLS FARGO CO NEW COM 949746101 795 14,775 SH   SOLE 0 0 0 14,775
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 222 8,450 SH   SOLE 0 0 0 8,450
WISDOMTREE TR FLOATNG RAT TREA 97717X628 896 35,752 SH   SOLE 0 0 0 35,752
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,656 34,164 SH   SOLE 0 0 0 34,164
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,029 67,980 SH   SOLE 0 0 0 67,980
YUM BRANDS INC COM 988498101 241 2,392 SH   SOLE 0 0 0 2,392
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,513 7,186 SH   SOLE 0 0 0 7,186
LINDE PLC SHS G5494J103 412 1,937 SH   SOLE 0 0 0 1,937
MEDTRONIC PLC SHS G5960L103 1,420 12,520 SH   SOLE 0 0 0 12,520
CHUBB LIMITED COM H1467J104 400 2,569 SH   SOLE 0 0 0 2,569
TE CONNECTIVITY LTD REG SHS H84989104 447 4,665 SH   SOLE 0 0 0 4,665