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 1,576 52,138 SH   SOLE 0 0 0 52,138
ABBOTT LABS COM 002824100 2,101 22,976 SH   SOLE 0 0 0 22,976
ABBVIE INC COM 00287Y109 1,625 16,553 SH   SOLE 0 0 0 16,553
ADOBE INC COM 00724F101 402 924 SH   SOLE 0 0 0 924
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 247 1,144 SH   SOLE 0 0 0 1,144
ALPHABET INC CAP STK CL C 02079K107 794 562 SH   SOLE 0 0 0 562
ALPHABET INC CAP STK CL A 02079K305 1,183 834 SH   SOLE 0 0 0 834
AMAZON COM INC COM 023135106 3,174 1,150 SH   SOLE 0 0 0 1,150
AMERICAN TOWER CORP NEW COM 03027X100 705 2,726 SH   SOLE 0 0 0 2,726
AMGEN INC COM 031162100 886 3,757 SH   SOLE 0 0 0 3,757
ANALOG DEVICES INC COM 032654105 846 6,901 SH   SOLE 0 0 0 6,901
ANTHEM INC COM 036752103 260 988 SH   SOLE 0 0 0 988
APPLE INC COM 037833100 6,862 18,810 SH   SOLE 0 0 0 18,810
AUTOMATIC DATA PROCESSING IN COM 053015103 376 2,524 SH   SOLE 0 0 0 2,524
BK OF AMERICA CORP COM 060505104 1,041 43,839 SH   SOLE 0 0 0 43,839
BANK NEW YORK MELLON CORP COM 064058100 203 5,250 SH   SOLE 0 0 0 5,250
BECTON DICKINSON & CO COM 075887109 579 2,421 SH   SOLE 0 0 0 2,421
BERKSHIRE HATHAWAY INC DEL CL A 084670108 267 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,540 8,627 SH   SOLE 0 0 0 8,627
BLACKROCK INC COM 09247X101 863 1,587 SH   SOLE 0 0 0 1,587
BLACKSTONE GROUP INC COM CL A 09260D107 631 11,136 SH   SOLE 0 0 0 11,136
BOEING CO COM 097023105 572 3,122 SH   SOLE 0 0 0 3,122
BRISTOL-MYERS SQUIBB CO COM 110122108 636 10,811 SH   SOLE 0 0 0 10,811
CVS HEALTH CORP COM 126650100 468 7,211 SH   SOLE 0 0 0 7,211
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 470 206,176 SH   SOLE 0 0 0 206,176
CATERPILLAR INC DEL COM 149123101 560 4,424 SH   SOLE 0 0 0 4,424
CHEVRON CORP NEW COM 166764100 743 8,323 SH   SOLE 0 0 0 8,323
CISCO SYS INC COM 17275R102 1,112 23,851 SH   SOLE 0 0 0 23,851
CLEAN HARBORS INC COM 184496107 3,228 53,823 SH   SOLE 0 0 0 53,823
COCA COLA CO COM 191216100 1,026 22,959 SH   SOLE 0 0 0 22,959
COLGATE PALMOLIVE CO COM 194162103 293 4,004 SH   SOLE 0 0 0 4,004
COMCAST CORP NEW CL A 20030N101 824 21,148 SH   SOLE 0 0 0 21,148
COSTCO WHSL CORP NEW COM 22160K105 655 2,161 SH   SOLE 0 0 0 2,161
CUMMINS INC COM 231021106 474 2,736 SH   SOLE 0 0 0 2,736
DANAHER CORPORATION COM 235851102 747 4,222 SH   SOLE 0 0 0 4,222
DIGITAL RLTY TR INC COM 253868103 345 2,428 SH   SOLE 0 0 0 2,428
DISNEY WALT CO COM DISNEY 254687106 2,602 23,333 SH   SOLE 0 0 0 23,333
DOLLAR GEN CORP NEW COM 256677105 1,356 7,116 SH   SOLE 0 0 0 7,116
DOW INC COM 260557103 247 6,064 SH   SOLE 0 0 0 6,064
EXXON MOBIL CORP COM 30231G102 596 13,323 SH   SOLE 0 0 0 13,323
FACEBOOK INC CL A 30303M102 365 1,606 SH   SOLE 0 0 0 1,606
FIRST MERCHANTS CORP COM 320817109 411 14,900 SH   SOLE 0 0 0 14,900
FREEPORT-MCMORAN INC CL B 35671D857 141 12,193 SH   SOLE 0 0 0 12,193
GENERAL ELECTRIC CO COM 369604103 494 72,325 SH   SOLE 0 0 0 72,325
GOLDMAN SACHS GROUP INC COM 38141G104 824 4,172 SH   SOLE 0 0 0 4,172
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 7,530 74,938 SH   SOLE 0 0 0 74,938
HERITAGE CRYSTAL CLEAN INC COM 42726M106 1,763 100,983 SH   SOLE 0 0 0 100,983
HILL ROM HLDGS INC COM 431475102 302 2,749 SH   SOLE 0 0 0 2,749
HOME DEPOT INC COM 437076102 1,364 5,443 SH   SOLE 0 0 0 5,443
HONEYWELL INTL INC COM 438516106 721 4,988 SH   SOLE 0 0 0 4,988
ILLINOIS TOOL WKS INC COM 452308109 469 2,684 SH   SOLE 0 0 0 2,684
INTEL CORP COM 458140100 1,790 29,919 SH   SOLE 0 0 0 29,919
INTERCONTINENTAL EXCHANGE IN COM 45866F104 372 4,065 SH   SOLE 0 0 0 4,065
INTERNATIONAL BUSINESS MACHS COM 459200101 747 6,187 SH   SOLE 0 0 0 6,187
INVESCO QQQ TR UNIT SER 1 46090E103 265 1,069 SH   SOLE 0 0 0 1,069
INTUITIVE SURGICAL INC COM NEW 46120E602 325 570 SH   SOLE 0 0 0 570
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 467 4,588 SH   SOLE 0 0 0 4,588
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 757 6,991 SH   SOLE 0 0 0 6,991
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 543 10,925 SH   SOLE 0 0 0 10,925
ISHARES TR MRNGSTR LG-CP GR 464287119 517 2,205 SH   SOLE 0 0 0 2,205
ISHARES TR CORE S&P TTL STK 464287150 2,560 36,864 SH   SOLE 0 0 0 36,864
ISHARES TR CORE S&P500 ETF 464287200 10,843 35,013 SH   SOLE 0 0 0 35,013
ISHARES TR CORE US AGGBD ET 464287226 689 5,833 SH   SOLE 0 0 0 5,833
ISHARES TR S&P 500 GRWT ETF 464287309 563 2,711 SH   SOLE 0 0 0 2,711
ISHARES TR S&P 500 VAL ETF 464287408 645 5,959 SH   SOLE 0 0 0 5,959
ISHARES TR MSCI EAFE ETF 464287465 1,261 20,717 SH   SOLE 0 0 0 20,717
ISHARES TR RUS MDCP VAL ETF 464287473 26,336 344,127 SH   SOLE 0 0 0 344,127
ISHARES TR RUS MD CP GR ETF 464287481 2,416 15,278 SH   SOLE 0 0 0 15,278
ISHARES TR RUS MID CAP ETF 464287499 582 10,864 SH   SOLE 0 0 0 10,864
ISHARES TR CORE S&P MCP ETF 464287507 3,179 17,878 SH   SOLE 0 0 0 17,878
ISHARES TR S&P MC 400GR ETF 464287606 839 3,746 SH   SOLE 0 0 0 3,746
ISHARES TR RUS 2000 VAL ETF 464287630 3,536 36,281 SH   SOLE 0 0 0 36,281
ISHARES TR RUS 2000 GRW ETF 464287648 246 1,189 SH   SOLE 0 0 0 1,189
ISHARES TR RUSSELL 2000 ETF 464287655 224 1,565 SH   SOLE 0 0 0 1,565
ISHARES TR CORE S&P US VLU 464287663 12,669 242,567 SH   SOLE 0 0 0 242,567
ISHARES TR CORE S&P US GWT 464287671 11,393 158,494 SH   SOLE 0 0 0 158,494
ISHARES TR S&P MC 400VL ETF 464287705 1,260 9,481 SH   SOLE 0 0 0 9,481
ISHARES TR CORE S&P SCP ETF 464287804 12,493 182,943 SH   SOLE 0 0 0 182,943
ISHARES TR SP SMCP600VL ETF 464287879 275 2,283 SH   SOLE 0 0 0 2,283
ISHARES TR SHRT NAT MUN ETF 464288158 12,020 111,443 SH   SOLE 0 0 0 111,443
ISHARES TR MSCI ACWI EX US 464288240 238 5,494 SH   SOLE 0 0 0 5,494
ISHARES TR MRGSTR MD CP GRW 464288307 483 1,646 SH   SOLE 0 0 0 1,646
ISHARES TR NATIONAL MUN ETF 464288414 3,604 31,226 SH   SOLE 0 0 0 31,226
ISHARES TR MRGSTR SM CP GR 464288604 445 2,016 SH   SOLE 0 0 0 2,016
ISHARES TR INTRM GOV CR ETF 464288612 2,665 22,637 SH   SOLE 0 0 0 22,637
ISHARES TR US TREAS BD ETF 46429B267 1,566 55,931 SH   SOLE 0 0 0 55,931
ISHARES TR MSCI MIN VOL ETF 46429B697 4,384 72,314 SH   SOLE 0 0 0 72,314
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 5,828 116,541 SH   SOLE 0 0 0 116,541
ISHARES TR USA QUALITY FCTR 46432F339 3,918 40,843 SH   SOLE 0 0 0 40,843
ISHARES TR EDGE MSCI USA VL 46432F388 799 11,059 SH   SOLE 0 0 0 11,059
ISHARES TR CORE MSCI TOTAL 46432F834 7,401 135,749 SH   SOLE 0 0 0 135,749
ISHARES TR CORE MSCI EAFE 46432F842 1,406 24,601 SH   SOLE 0 0 0 24,601
ISHARES TR CORE 1 5 YR USD 46432F859 9,608 186,677 SH   SOLE 0 0 0 186,677
ISHARES INC CORE MSCI EMKT 46434G103 398 8,355 SH   SOLE 0 0 0 8,355
ISHARES TR MULTIFACTOR USA 46434V282 1,905 61,318 SH   SOLE 0 0 0 61,318
ISHARES TR CORE TOTAL USD 46434V613 2,980 54,856 SH   SOLE 0 0 0 54,856
ISHARES TR CORE DIV GRWTH 46434V621 4,354 115,805 SH   SOLE 0 0 0 115,805
ISHARES TR EDGE MSCI MINM 46435G433 351 12,118 SH   SOLE 0 0 0 12,118
JPMORGAN CHASE & CO COM 46625H100 2,181 23,184 SH   SOLE 0 0 0 23,184
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 567 11,185 SH   SOLE 0 0 0 11,185
JOHNSON & JOHNSON COM 478160104 1,914 13,612 SH   SOLE 0 0 0 13,612
LILLY ELI & CO COM 532457108 9,797 59,670 SH   SOLE 0 0 0 59,670
LOCKHEED MARTIN CORP COM 539830109 351 962 SH   SOLE 0 0 0 962
LOWES COS INC COM 548661107 542 4,015 SH   SOLE 0 0 0 4,015
MARSH & MCLENNAN COS INC COM 571748102 248 2,309 SH   SOLE 0 0 0 2,309
MARRIOTT INTL INC NEW CL A 571903202 1,427 16,645 SH   SOLE 0 0 0 16,645
MASTERCARD INC CL A 57636Q104 983 3,325 SH   SOLE 0 0 0 3,325
MCDONALDS CORP COM 580135101 1,136 6,158 SH   SOLE 0 0 0 6,158
MERCK & CO. INC COM 58933Y105 934 12,083 SH   SOLE 0 0 0 12,083
MICROSOFT CORP COM 594918104 5,862 28,805 SH   SOLE 0 0 0 28,805
MICROCHIP TECHNOLOGY INC COM 595017104 465 4,417 SH   SOLE 0 0 0 4,417
MONDELEZ INTL INC CL A 609207105 263 5,146 SH   SOLE 0 0 0 5,146
NEXTERA ENERGY INC COM 65339F101 321 1,335 SH   SOLE 0 0 0 1,335
NIKE INC CL B 654106103 688 7,020 SH   SOLE 0 0 0 7,020
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 254 16,188 SH   SOLE 0 0 0 16,188
NUVEEN MUN VALUE FD INC COM 670928100 125 12,229 SH   SOLE 0 0 0 12,229
ORACLE CORP COM 68389X105 345 6,240 SH   SOLE 0 0 0 6,240
PAYPAL HLDGS INC COM 70450Y103 229 1,316 SH   SOLE 0 0 0 1,316
PENUMBRA INC COM 70975L107 2,414 13,500 SH   SOLE 0 0 0 13,500
PEPSICO INC COM 713448108 1,755 13,272 SH   SOLE 0 0 0 13,272
PFIZER INC COM 717081103 598 18,276 SH   SOLE 0 0 0 18,276
PROCTER & GAMBLE CO COM 742718109 1,103 9,229 SH   SOLE 0 0 0 9,229
PROSHARES TR SHORT S&P 500 NE 74347B425 313 14,000 SH   SOLE 0 0 0 14,000
QUALCOMM INC COM 747525103 1,129 12,382 SH   SOLE 0 0 0 12,382
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,478 11,280 SH   SOLE 0 0 0 11,280
SPDR GOLD TRUST GOLD SHS 78463V107 482 2,879 SH   SOLE 0 0 0 2,879
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 300 13,260 SH   SOLE 0 0 0 13,260
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 209 7,578 SH   SOLE 0 0 0 7,578
SPDR SER TR S&P 600 SMCP GRW 78464A201 558 9,828 SH   SOLE 0 0 0 9,828
SPDR SER TR S&P 600 SMCP VAL 78464A300 1,782 36,272 SH   SOLE 0 0 0 36,272
SPDR SER TR PORTFOLIO AGRGTE 78464A649 289 9,361 SH   SOLE 0 0 0 9,361
SPDR SER TR S&P DIVID ETF 78464A763 204 2,240 SH   SOLE 0 0 0 2,240
SPDR SER TR S&P 400 MDCP GRW 78464A821 688 12,789 SH   SOLE 0 0 0 12,789
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,336 54,799 SH   SOLE 0 0 0 54,799
SPDR SER TR PORTFOLIO S&P500 78464A854 1,314 36,262 SH   SOLE 0 0 0 36,262
SPDR SER TR NUVEEN BLMBRG SR 78468R739 381 7,632 SH   SOLE 0 0 0 7,632
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 618 8,407 SH   SOLE 0 0 0 8,407
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,826 24,646 SH   SOLE 0 0 0 24,646
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,120 11,032 SH   SOLE 0 0 0 11,032
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 310 5,889 SH   SOLE 0 0 0 5,889
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 467 7,151 SH   SOLE 0 0 0 7,151
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 203 6,810 SH   SOLE 0 0 0 6,810
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,412 27,357 SH   SOLE 0 0 0 27,357
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 426 3,335 SH   SOLE 0 0 0 3,335
SELECT SECTOR SPDR TR ENERGY 81369Y506 465 12,296 SH   SOLE 0 0 0 12,296
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,057 10,112 SH   SOLE 0 0 0 10,112
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 259 7,430 SH   SOLE 0 0 0 7,430
SERVICENOW INC COM 81762P102 218 538 SH   SOLE 0 0 0 538
SMILEDIRECTCLUB INC CL A COM 83192H106 246 31,139 SH   SOLE 0 0 0 31,139
SOUTHWEST AIRLS CO COM 844741108 604 17,675 SH   SOLE 0 0 0 17,675
STARBUCKS CORP COM 855244109 791 10,755 SH   SOLE 0 0 0 10,755
TJX COS INC NEW COM 872540109 726 14,353 SH   SOLE 0 0 0 14,353
TESLA INC COM 88160R101 201 186 SH   SOLE 0 0 0 186
TEXAS INSTRS INC COM 882508104 1,241 9,775 SH   SOLE 0 0 0 9,775
3M CO COM 88579Y101 249 1,598 SH   SOLE 0 0 0 1,598
TRAVELERS COMPANIES INC COM 89417E109 276 2,419 SH   SOLE 0 0 0 2,419
UNION PAC CORP COM 907818108 1,355 8,015 SH   SOLE 0 0 0 8,015
UNITED PARCEL SERVICE INC CL B 911312106 366 3,289 SH   SOLE 0 0 0 3,289
UNITED TECHNOLOGIES CORP COM 913017109 574 9,315 SH   SOLE 0 0 0 9,315
UNITEDHEALTH GROUP INC COM 91324P102 1,326 4,497 SH   SOLE 0 0 0 4,497
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,092 9,323 SH   SOLE 0 0 0 9,323
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,495 71,077 SH   SOLE 0 0 0 71,077
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,495 42,043 SH   SOLE 0 0 0 42,043
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 208 2,785 SH   SOLE 0 0 0 2,785
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 757 15,893 SH   SOLE 0 0 0 15,893
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 943 23,816 SH   SOLE 0 0 0 23,816
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 845 15,608 SH   SOLE 0 0 0 15,608
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,254 15,009 SH   SOLE 0 0 0 15,009
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 759 7,929 SH   SOLE 0 0 0 7,929
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 923 5,591 SH   SOLE 0 0 0 5,591
VANGUARD INDEX FDS MID CAP ETF 922908629 955 5,827 SH   SOLE 0 0 0 5,827
VANGUARD INDEX FDS GROWTH ETF 922908736 956 4,730 SH   SOLE 0 0 0 4,730
VANGUARD INDEX FDS VALUE ETF 922908744 343 3,447 SH   SOLE 0 0 0 3,447
VANGUARD INDEX FDS SMALL CP ETF 922908751 259 1,778 SH   SOLE 0 0 0 1,778
VERIZON COMMUNICATIONS INC COM 92343V104 1,763 31,987 SH   SOLE 0 0 0 31,987
VISA INC COM CL A 92826C839 937 4,852 SH   SOLE 0 0 0 4,852
WALMART INC COM 931142103 676 5,643 SH   SOLE 0 0 0 5,643
WELLS FARGO CO NEW COM 949746101 426 16,627 SH   SOLE 0 0 0 16,627
WISDOMTREE TR FLOATNG RAT TREA 97717X628 435 17,309 SH   SOLE 0 0 0 17,309
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,526 33,537 SH   SOLE 0 0 0 33,537
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,985 111,786 SH   SOLE 0 0 0 111,786
YUM BRANDS INC COM 988498101 207 2,381 SH   SOLE 0 0 0 2,381
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,603 7,464 SH   SOLE 0 0 0 7,464
LINDE PLC SHS G5494J103 275 1,296 SH   SOLE 0 0 0 1,296
MEDTRONIC PLC SHS G5960L103 1,136 12,387 SH   SOLE 0 0 0 12,387
CHUBB LIMITED COM H1467J104 291 2,296 SH   SOLE 0 0 0 2,296