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 1,492 49,297 SH   SOLE 0 0 0 49,297
ABBOTT LABS COM 002824100 2,853 23,810 SH   SOLE 0 0 0 23,810
ABBVIE INC COM 00287Y109 1,890 17,467 SH   SOLE 0 0 0 17,467
ADOBE SYSTEMS INCORPORATED COM 00724F101 450 946 SH   SOLE 0 0 0 946
AIRBNB INC COM CL A 009066101 213 1,136 SH   SOLE 0 0 0 1,136
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 370 1,634 SH   SOLE 0 0 0 1,634
ALPHABET INC CAP STK CL C 02079K107 1,216 588 SH   SOLE 0 0 0 588
ALPHABET INC CAP STK CL A 02079K305 1,650 800 SH   SOLE 0 0 0 800
AMAZON COM INC COM 023135106 4,095 1,323 SH   SOLE 0 0 0 1,323
AMERICAN EXPRESS CO COM 025816109 265 1,872 SH   SOLE 0 0 0 1,872
AMERICAN TOWER CORP NEW COM 03027X100 800 3,346 SH   SOLE 0 0 0 3,346
AMGEN INC COM 031162100 229 919 SH   SOLE 0 0 0 919
ANALOG DEVICES INC COM 032654105 1,159 7,474 SH   SOLE 0 0 0 7,474
ANTHEM INC COM 036752103 546 1,521 SH   SOLE 0 0 0 1,521
APPLE INC COM 037833100 9,944 81,405 SH   SOLE 0 0 0 81,405
AUTOMATIC DATA PROCESSING IN COM 053015103 654 3,472 SH   SOLE 0 0 0 3,472
BP PLC SPONSORED ADR 055622104 205 8,417 SH   SOLE 0 0 0 8,417
BK OF AMERICA CORP COM 060505104 909 23,492 SH   SOLE 0 0 0 23,492
BANK NEW YORK MELLON CORP COM 064058100 210 4,450 SH   SOLE 0 0 0 4,450
BECTON DICKINSON & CO COM 075887109 641 2,636 SH   SOLE 0 0 0 2,636
BERKSHIRE HATHAWAY INC DEL CL A 084670108 386 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,512 9,832 SH   SOLE 0 0 0 9,832
BLACKROCK INC COM 09247X101 1,314 1,743 SH   SOLE 0 0 0 1,743
BLACKSTONE GROUP INC COM CL A 09260D107 329 4,409 SH   SOLE 0 0 0 4,409
BOEING CO COM 097023105 206 809 SH   SOLE 0 0 0 809
BRISTOL-MYERS SQUIBB CO COM 110122108 692 10,962 SH   SOLE 0 0 0 10,962
CBRE GROUP INC CL A 12504L109 228 2,877 SH   SOLE 0 0 0 2,877
CVS HEALTH CORP COM 126650100 823 10,937 SH   SOLE 0 0 0 10,937
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 1,611 264,157 SH   SOLE 0 0 0 264,157
CATERPILLAR INC COM 149123101 1,857 8,010 SH   SOLE 0 0 0 8,010
CHEVRON CORP NEW COM 166764100 379 3,614 SH   SOLE 0 0 0 3,614
CISCO SYS INC COM 17275R102 821 15,867 SH   SOLE 0 0 0 15,867
CITIZENS FINL GROUP INC COM 174610105 686 15,542 SH   SOLE 0 0 0 15,542
CLEAN HARBORS INC COM 184496107 4,520 53,775 SH   SOLE 0 0 0 53,775
COCA COLA CO COM 191216100 1,255 23,800 SH   SOLE 0 0 0 23,800
COLGATE PALMOLIVE CO COM 194162103 387 4,908 SH   SOLE 0 0 0 4,908
COMCAST CORP NEW CL A 20030N101 766 14,165 SH   SOLE 0 0 0 14,165
COSTCO WHSL CORP NEW COM 22160K105 969 2,749 SH   SOLE 0 0 0 2,749
CUMMINS INC COM 231021106 846 3,265 SH   SOLE 0 0 0 3,265
DANAHER CORPORATION COM 235851102 1,153 5,122 SH   SOLE 0 0 0 5,122
DIGITAL RLTY TR INC COM 253868103 427 3,034 SH   SOLE 0 0 0 3,034
DISNEY WALT CO COM 254687106 4,397 23,829 SH   SOLE 0 0 0 23,829
DOLLAR GEN CORP NEW COM 256677105 1,341 6,617 SH   SOLE 0 0 0 6,617
DOW INC COM 260557103 241 3,775 SH   SOLE 0 0 0 3,775
EXXON MOBIL CORP COM 30231G102 593 10,621 SH   SOLE 0 0 0 10,621
FACEBOOK INC CL A 30303M102 441 1,497 SH   SOLE 0 0 0 1,497
FEDEX CORP COM 31428X106 211 742 SH   SOLE 0 0 0 742
FIRST MERCHANTS CORP COM 320817109 1,333 28,675 SH   SOLE 0 0 0 28,675
FORTINET INC COM 34959E109 369 2,000 SH   SOLE 0 0 0 2,000
GENERAL ELECTRIC CO COM 369604103 838 63,793 SH   SOLE 0 0 0 63,793
GOLDMAN SACHS GROUP INC COM 38141G104 1,212 3,707 SH   SOLE 0 0 0 3,707
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,318 23,148 SH   SOLE 0 0 0 23,148
HERITAGE CRYSTAL CLEAN INC COM 42726M106 2,339 86,204 SH   SOLE 0 0 0 86,204
HILL ROM HLDGS INC COM 431475102 211 1,912 SH   SOLE 0 0 0 1,912
HOME DEPOT INC COM 437076102 1,770 5,799 SH   SOLE 0 0 0 5,799
HONEYWELL INTL INC COM 438516106 1,230 5,668 SH   SOLE 0 0 0 5,668
ILLINOIS TOOL WKS INC COM 452308109 844 3,810 SH   SOLE 0 0 0 3,810
INTEL CORP COM 458140100 967 15,110 SH   SOLE 0 0 0 15,110
INTERCONTINENTAL EXCHANGE IN COM 45866F104 678 6,075 SH   SOLE 0 0 0 6,075
INTERNATIONAL BUSINESS MACHS COM 459200101 429 3,222 SH   SOLE 0 0 0 3,222
INVESCO QQQ TR UNIT SER 1 46090E103 262 821 SH   SOLE 0 0 0 821
INTUITIVE SURGICAL INC COM NEW 46120E602 421 570 SH   SOLE 0 0 0 570
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 233 5,245 SH   SOLE 0 0 0 5,245
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 471 3,324 SH   SOLE 0 0 0 3,324
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,060 6,991 SH   SOLE 0 0 0 6,991
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 594 10,207 SH   SOLE 0 0 0 10,207
ISHARES TR MRNGSTR LG-CP GR 464287119 636 2,205 SH   SOLE 0 0 0 2,205
ISHARES TR MRNGSTR LG-CP ET 464287127 238 1,061 SH   SOLE 0 0 0 1,061
ISHARES TR CORE S&P TTL STK 464287150 3,337 36,431 SH   SOLE 0 0 0 36,431
ISHARES TR CORE S&P500 ETF 464287200 16,883 42,438 SH   SOLE 0 0 0 42,438
ISHARES TR CORE US AGGBD ET 464287226 1,271 11,170 SH   SOLE 0 0 0 11,170
ISHARES TR S&P 500 GRWT ETF 464287309 706 10,844 SH   SOLE 0 0 0 10,844
ISHARES TR S&P 500 VAL ETF 464287408 862 6,105 SH   SOLE 0 0 0 6,105
ISHARES TR MSCI EAFE ETF 464287465 1,237 16,306 SH   SOLE 0 0 0 16,306
ISHARES TR RUS MDCP VAL ETF 464287473 32,030 293,049 SH   SOLE 0 0 0 293,049
ISHARES TR RUS MD CP GR ETF 464287481 2,719 26,639 SH   SOLE 0 0 0 26,639
ISHARES TR RUS MID CAP ETF 464287499 569 7,692 SH   SOLE 0 0 0 7,692
ISHARES TR CORE S&P MCP ETF 464287507 11,137 42,790 SH   SOLE 0 0 0 42,790
ISHARES TR S&P MC 400GR ETF 464287606 3,508 44,766 SH   SOLE 0 0 0 44,766
ISHARES TR RUS 2000 VAL ETF 464287630 5,231 32,802 SH   SOLE 0 0 0 32,802
ISHARES TR RUSSELL 2000 ETF 464287655 590 2,670 SH   SOLE 0 0 0 2,670
ISHARES TR CORE S&P US VLU 464287663 17,983 261,000 SH   SOLE 0 0 0 261,000
ISHARES TR CORE S&P US GWT 464287671 13,661 150,471 SH   SOLE 0 0 0 150,471
ISHARES TR S&P MC 400VL ETF 464287705 5,732 56,235 SH   SOLE 0 0 0 56,235
ISHARES TR CORE S&P SCP ETF 464287804 21,890 201,697 SH   SOLE 0 0 0 201,697
ISHARES TR SP SMCP600VL ETF 464287879 426 4,228 SH   SOLE 0 0 0 4,228
ISHARES TR SHRT NAT MUN ETF 464288158 13,107 121,560 SH   SOLE 0 0 0 121,560
ISHARES TR MRGSTR MD CP ETF 464288208 228 908 SH   SOLE 0 0 0 908
ISHARES TR MSCI ACWI EX US 464288240 284 5,153 SH   SOLE 0 0 0 5,153
ISHARES TR MRGSTR MD CP GRW 464288307 622 1,646 SH   SOLE 0 0 0 1,646
ISHARES TR NATIONAL MUN ETF 464288414 3,433 29,581 SH   SOLE 0 0 0 29,581
ISHARES TR MRGSTR SM CP GR 464288604 606 2,016 SH   SOLE 0 0 0 2,016
ISHARES TR 3 7 YR TREAS BD 464288661 464 3,575 SH   SOLE 0 0 0 3,575
ISHARES TR PFD AND INCM SEC 464288687 575 14,973 SH   SOLE 0 0 0 14,973
ISHARES TR US TREAS BD ETF 46429B267 608 23,231 SH   SOLE 0 0 0 23,231
ISHARES TR MSCI USA MIN VOL 46429B697 4,681 67,660 SH   SOLE 0 0 0 67,660
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 5,643 112,423 SH   SOLE 0 0 0 112,423
ISHARES TR MSCI USA QLT FCT 46432F339 5,526 45,377 SH   SOLE 0 0 0 45,377
ISHARES TR MSCI USA VALUE 46432F388 1,186 11,576 SH   SOLE 0 0 0 11,576
ISHARES TR CORE MSCI TOTAL 46432F834 10,942 155,690 SH   SOLE 0 0 0 155,690
ISHARES TR CORE MSCI EAFE 46432F842 1,125 15,609 SH   SOLE 0 0 0 15,609
ISHARES TR CORE 1 5 YR USD 46432F859 10,439 203,525 SH   SOLE 0 0 0 203,525
ISHARES INC CORE MSCI EMKT 46434G103 538 8,352 SH   SOLE 0 0 0 8,352
ISHARES TR MSCI USA MULTIFT 46434V282 2,271 55,889 SH   SOLE 0 0 0 55,889
ISHARES TR CORE TOTAL USD 46434V613 4,776 90,538 SH   SOLE 0 0 0 90,538
ISHARES TR CORE DIV GRWTH 46434V621 4,760 98,620 SH   SOLE 0 0 0 98,620
ISHARES TR MSCI USA SMCP MN 46435G433 268 7,266 SH   SOLE 0 0 0 7,266
JPMORGAN CHASE & CO COM 46625H100 2,157 14,168 SH   SOLE 0 0 0 14,168
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 271 5,332 SH   SOLE 0 0 0 5,332
JOHNSON & JOHNSON COM 478160104 2,466 15,002 SH   SOLE 0 0 0 15,002
LABORATORY CORP AMER HLDGS COM NEW 50540R409 255 1,000 SH   SOLE 0 0 0 1,000
LILLY ELI & CO COM 532457108 10,823 57,934 SH   SOLE 0 0 0 57,934
LOWES COS INC COM 548661107 743 3,908 SH   SOLE 0 0 0 3,908
MARRIOTT INTL INC NEW CL A 571903202 825 5,570 SH   SOLE 0 0 0 5,570
MASTERCARD INCORPORATED CL A 57636Q104 1,068 2,999 SH   SOLE 0 0 0 2,999
MCDONALDS CORP COM 580135101 1,480 6,605 SH   SOLE 0 0 0 6,605
MERCHANTS BANCORP IND COM 58844R108 847 20,192 SH   SOLE 0 0 0 20,192
MERCK & CO. INC COM 58933Y105 964 12,501 SH   SOLE 0 0 0 12,501
MICROSOFT CORP COM 594918104 6,785 28,778 SH   SOLE 0 0 0 28,778
MICROCHIP TECHNOLOGY INC. COM 595017104 825 5,312 SH   SOLE 0 0 0 5,312
MONDELEZ INTL INC CL A 609207105 284 4,856 SH   SOLE 0 0 0 4,856
MORGAN STANLEY COM NEW 617446448 934 12,026 SH   SOLE 0 0 0 12,026
NEXTERA ENERGY INC COM 65339F101 372 4,915 SH   SOLE 0 0 0 4,915
NIKE INC CL B 654106103 1,135 8,539 SH   SOLE 0 0 0 8,539
NORFOLK SOUTHN CORP COM 655844108 214 798 SH   SOLE 0 0 0 798
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 282 16,188 SH   SOLE 0 0 0 16,188
NVIDIA CORPORATION COM 67066G104 794 1,486 SH   SOLE 0 0 0 1,486
ORACLE CORP COM 68389X105 435 6,195 SH   SOLE 0 0 0 6,195
PPG INDS INC COM 693506107 839 5,583 SH   SOLE 0 0 0 5,583
PAYPAL HLDGS INC COM 70450Y103 458 1,887 SH   SOLE 0 0 0 1,887
PENUMBRA INC COM 70975L107 1,312 4,850 SH   SOLE 0 0 0 4,850
PEPSICO INC COM 713448108 1,790 12,655 SH   SOLE 0 0 0 12,655
PFIZER INC COM 717081103 958 26,446 SH   SOLE 0 0 0 26,446
PROCTER AND GAMBLE CO COM 742718109 1,427 10,534 SH   SOLE 0 0 0 10,534
PROSHARES TR SHORT S&P 500 NE 74347B425 414 24,724 SH   SOLE 0 0 0 24,724
QUALCOMM INC COM 747525103 1,726 13,019 SH   SOLE 0 0 0 13,019
RAYTHEON TECHNOLOGIES CORP COM 75513E101 224 2,904 SH   SOLE 0 0 0 2,904
REPUBLIC SVCS INC COM 760759100 372 3,741 SH   SOLE 0 0 0 3,741
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,830 9,665 SH   SOLE 0 0 0 9,665
SPDR GOLD TR GOLD SHS 78463V107 471 2,947 SH   SOLE 0 0 0 2,947
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 225 7,767 SH   SOLE 0 0 0 7,767
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 268 7,578 SH   SOLE 0 0 0 7,578
SPDR SER TR S&P 600 SMCP GRW 78464A201 904 10,527 SH   SOLE 0 0 0 10,527
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,275 39,938 SH   SOLE 0 0 0 39,938
SPDR SER TR PORTFOLIO AGRGTE 78464A649 496 16,734 SH   SOLE 0 0 0 16,734
SPDR SER TR S&P 400 MDCP GRW 78464A821 786 10,464 SH   SOLE 0 0 0 10,464
SPDR SER TR S&P 400 MDCP VAL 78464A839 3,354 51,255 SH   SOLE 0 0 0 51,255
SPDR SER TR PORTFOLIO S&P500 78464A854 997 21,386 SH   SOLE 0 0 0 21,386
SPDR SER TR NUVEEN BLMBRG SR 78468R739 584 11,776 SH   SOLE 0 0 0 11,776
SALESFORCE COM INC COM 79466L302 322 1,518 SH   SOLE 0 0 0 1,518
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 920 9,511 SH   SOLE 0 0 0 9,511
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,801 18,759 SH   SOLE 0 0 0 18,759
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 946 7,292 SH   SOLE 0 0 0 7,292
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 420 5,644 SH   SOLE 0 0 0 5,644
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 641 6,428 SH   SOLE 0 0 0 6,428
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 628 8,614 SH   SOLE 0 0 0 8,614
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 494 6,275 SH   SOLE 0 0 0 6,275
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 335 1,995 SH   SOLE 0 0 0 1,995
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,777 56,604 SH   SOLE 0 0 0 56,604
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 981 9,965 SH   SOLE 0 0 0 9,965
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 604 4,549 SH   SOLE 0 0 0 4,549
SERVICENOW INC COM 81762P102 434 867 SH   SOLE 0 0 0 867
STARBUCKS CORP COM 855244109 1,494 13,669 SH   SOLE 0 0 0 13,669
TJX COS INC NEW COM 872540109 1,200 18,139 SH   SOLE 0 0 0 18,139
TARGET CORP COM 87612E106 219 1,108 SH   SOLE 0 0 0 1,108
TESLA INC COM 88160R101 834 1,248 SH   SOLE 0 0 0 1,248
TEXAS INSTRS INC COM 882508104 1,825 9,658 SH   SOLE 0 0 0 9,658
TRAVELERS COMPANIES INC COM 89417E109 394 2,622 SH   SOLE 0 0 0 2,622
UNION PAC CORP COM 907818108 1,978 8,975 SH   SOLE 0 0 0 8,975
UNITED PARCEL SERVICE INC CL B 911312106 365 2,146 SH   SOLE 0 0 0 2,146
UNITEDHEALTH GROUP INC COM 91324P102 1,896 5,095 SH   SOLE 0 0 0 5,095
VANECK VECTORS ETF TR OIL SVCS ETF 92189H607 1,885 9,860 SH   SOLE 0 0 0 9,860
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,261 8,570 SH   SOLE 0 0 0 8,570
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,806 76,644 SH   SOLE 0 0 0 76,644
VANGUARD BD INDEX FDS INTERMED TERM 921937819 378 4,262 SH   SOLE 0 0 0 4,262
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 17,437 212,159 SH   SOLE 0 0 0 212,159
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 296 2,927 SH   SOLE 0 0 0 2,927
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 882 14,528 SH   SOLE 0 0 0 14,528
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,223 23,504 SH   SOLE 0 0 0 23,504
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 740 13,541 SH   SOLE 0 0 0 13,541
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,131 14,085 SH   SOLE 0 0 0 14,085
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,034 7,670 SH   SOLE 0 0 0 7,670
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,096 5,109 SH   SOLE 0 0 0 5,109
VANGUARD INDEX FDS MID CAP ETF 922908629 1,352 6,109 SH   SOLE 0 0 0 6,109
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 219 1,236 SH   SOLE 0 0 0 1,236
VANGUARD INDEX FDS GROWTH ETF 922908736 1,013 3,940 SH   SOLE 0 0 0 3,940
VANGUARD INDEX FDS SMALL CP ETF 922908751 445 2,079 SH   SOLE 0 0 0 2,079
VERIZON COMMUNICATIONS INC COM 92343V104 1,947 33,486 SH   SOLE 0 0 0 33,486
VISA INC COM CL A 92826C839 1,281 6,050 SH   SOLE 0 0 0 6,050
WALMART INC COM 931142103 803 5,914 SH   SOLE 0 0 0 5,914
WISDOMTREE TR EM MKTS QTLY DIV 97717W323 251 8,450 SH   SOLE 0 0 0 8,450
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,290 22,552 SH   SOLE 0 0 0 22,552
WORLD GOLD TR SPDR GLD MINIS 98149E204 396 23,271 SH   SOLE 0 0 0 23,271
YUM BRANDS INC COM 988498101 258 2,381 SH   SOLE 0 0 0 2,381
DEUTSCHE BANK A G NAMEN AKT D18190898 640 53,325 SH   SOLE 0 0 0 53,325
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,034 7,364 SH   SOLE 0 0 0 7,364
LINDE PLC SHS G5494J103 354 1,262 SH   SOLE 0 0 0 1,262
MEDTRONIC PLC SHS G5960L103 1,492 12,631 SH   SOLE 0 0 0 12,631