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
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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
DISNEY WALT CO COM 254687106 451 2,664 SH   SOLE 0 0 0 2,664
PFIZER INC COM 717081103 485 11,284 SH   SOLE 0 0 0 11,284
DEERE & CO COM 244199105 273 813 SH   SOLE 0 0 0 813
ISHARES TR SHRT NAT MUN ETF 464288158 1,179 10,960 SH   SOLE 0 0 0 10,960
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 874 15,389 SH   SOLE 0 0 0 15,389
SPDR S&P 500 ETF TR TR UNIT 78462F103 204 475 SH   SOLE 0 0 0 475
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 493 2,833 SH   SOLE 0 0 0 2,833
PEPSICO INC COM 713448108 454 3,016 SH   SOLE 0 0 0 3,016
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,317 26,088 SH   SOLE 0 0 0 26,088
NEXTERA ENERGY INC COM 65339F101 405 5,153 SH   SOLE 0 0 0 5,153
UNION PAC CORP COM 907818108 369 1,880 SH   SOLE 0 0 0 1,880
PROGRESSIVE CORP COM 743315103 481 5,316 SH   SOLE 0 0 0 5,316
APPLE INC COM 037833100 1,272 8,986 SH   SOLE 0 0 0 8,986
HUNTINGTON BANCSHARES INC COM 446150104 312 20,190 SH   SOLE 0 0 0 20,190
AMAZON COM INC COM 023135106 930 283 SH   SOLE 0 0 0 283
LOWES COS INC COM 548661107 527 2,596 SH   SOLE 0 0 0 2,596
PROCTER AND GAMBLE CO COM 742718109 814 5,824 SH   SOLE 0 0 0 5,824
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,342 52,848 SH   SOLE 0 0 0 52,848
BOEING CO COM 097023105 737 3,353 SH   SOLE 0 0 0 3,353
WORLD GOLD TR SPDR GLD MINIS 98149E204 8,894 509,375 SH   SOLE 0 0 0 509,375
NIKE INC CL B 654106103 538 3,702 SH   SOLE 0 0 0 3,702
WALMART INC COM 931142103 244 1,753 SH   SOLE 0 0 0 1,753
INTEL CORP COM 458140100 416 7,810 SH   SOLE 0 0 0 7,810
ISHARES TR CORE S&P SCP ETF 464287804 202 1,852 SH   SOLE 0 0 0 1,852
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,819 107,604 SH   SOLE 0 0 0 107,604
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,423 36,974 SH   SOLE 0 0 0 36,974
JPMORGAN CHASE & CO COM 46625H100 667 4,077 SH   SOLE 0 0 0 4,077
ISHARES TR US TREAS BD ETF 46429B267 4,502 169,678 SH   SOLE 0 0 0 169,678
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,889 44,634 SH   SOLE 0 0 0 44,634
EXXON MOBIL CORP COM 30231G102 877 14,908 SH   SOLE 0 0 0 14,908
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 464 3,137 SH   SOLE 0 0 0 3,137
VANGUARD INDEX FDS VALUE ETF 922908744 298 2,198 SH   SOLE 0 0 0 2,198
ISHARES INC JP MORGAN EM ETF 464286517 5,676 133,990 SH   SOLE 0 0 0 133,990
ISHARES TR GRWT ALLOCAT ETF 464289867 666 11,999 SH   SOLE 0 0 0 11,999
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 458 5,357 SH   SOLE 0 0 0 5,357
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 201 4,964 SH   SOLE 0 0 0 4,964
VANGUARD INDEX FDS TOTAL STK MKT 922908769 284 1,277 SH   SOLE 0 0 0 1,277
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,576 26,876 SH   SOLE 0 0 0 26,876
ISHARES TR CORE US AGGBD ET 464287226 571 4,974 SH   SOLE 0 0 0 4,974
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 3,114 41,439 SH   SOLE 0 0 0 41,439
METLIFE INC COM 59156R108 359 5,822 SH   SOLE 0 0 0 5,822
ISHARES TR AGGRES ALLOC ETF 464289859 488 6,985 SH   SOLE 0 0 0 6,985
COCA COLA CO COM 191216100 258 4,924 SH   SOLE 0 0 0 4,924
SPDR SER TR PORTFOLIO S&P400 78464A847 12,570 272,305 SH   SOLE 0 0 0 272,305
VERIZON COMMUNICATIONS INC COM 92343V104 602 11,145 SH   SOLE 0 0 0 11,145
TESLA INC COM 88160R101 794 1,024 SH   SOLE 0 0 0 1,024
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,052 160,622 SH   SOLE 0 0 0 160,622
WASTE MGMT INC DEL COM 94106L109 276 1,851 SH   SOLE 0 0 0 1,851
CSX CORP COM 126408103 321 10,800 SH   SOLE 0 0 0 10,800
GRANITESHARES GOLD TR SHS BEN INT 38748G101 842 48,274 SH   SOLE 0 0 0 48,274
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,007 85,029 SH   SOLE 0 0 0 85,029
MERCK & CO INC COM 58933Y105 372 4,953 SH   SOLE 0 0 0 4,953
SPDR SER TR PORTFOLIO AGRGTE 78464A649 22,376 749,600 SH   SOLE 0 0 0 749,600
MICROSOFT CORP COM 594918104 700 2,484 SH   SOLE 0 0 0 2,484
ISHARES TR CORE S&P MCP ETF 464287507 3,786 14,391 SH   SOLE 0 0 0 14,391
ISHARES TR CORE MSCI EAFE 46432F842 209 2,819 SH   SOLE 0 0 0 2,819
MCDONALDS CORP COM 580135101 468 1,940 SH   SOLE 0 0 0 1,940
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 14,688 345,365 SH   SOLE 0 0 0 345,365
ALPHABET INC CAP STK CL C 02079K107 506 190 SH   SOLE 0 0 0 190
ISHARES TR MSCI EAFE ETF 464287465 352 4,511 SH   SOLE 0 0 0 4,511
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,147 22,624 SH   SOLE 0 0 0 22,624
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 24,482 676,116 SH   SOLE 0 0 0 676,116
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 485 9,707 SH   SOLE 0 0 0 9,707
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,021 19,832 SH   SOLE 0 0 0 19,832
FORD MTR CO DEL COM 345370860 555 39,213 SH   SOLE 0 0 0 39,213
ISHARES TR CORE S&P500 ETF 464287200 723 1,678 SH   SOLE 0 0 0 1,678
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,630 29,754 SH   SOLE 0 0 0 29,754
BP PLC SPONSORED ADR 055622104 300 10,983 SH   SOLE 0 0 0 10,983
ISHARES TR MODERT ALLOC ETF 464289875 368 8,219 SH   SOLE 0 0 0 8,219
SPDR SER TR PORTFOLI S&P1500 78464A805 40,366 761,759 SH   SOLE 0 0 0 761,759
SPDR SER TR MSCI USA STRTGIC 78468R812 9,544 80,010 SH   SOLE 0 0 0 80,010
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 919 14,705 SH   SOLE 0 0 0 14,705
ISHARES TR 0-5YR HI YL CP 46434V407 7,541 165,005 SH   SOLE 0 0 0 165,005