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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 693 6,366 SH   SOLE 0 0 0 6,366
ALPHABET INC CAP STK CL C 02079K107 634 227 SH   SOLE 0 0 0 227
AMAZON COM INC COM 023135106 1,258 386 SH   SOLE 0 0 0 386
APPLE INC COM 037833100 1,613 9,235 SH   SOLE 0 0 0 9,235
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,046 2,965 SH   SOLE 0 0 0 2,965
BP PLC SPONSORED ADR 055622104 276 9,397 SH   SOLE 0 0 0 9,397
CHEVRON CORP NEW COM 166764100 311 1,908 SH   SOLE 0 0 0 1,908
COCA COLA CO COM 191216100 300 4,838 SH   SOLE 0 0 0 4,838
CSX CORP COM 126408103 404 10,800 SH   SOLE 0 0 0 10,800
DEERE & CO COM 244199105 339 816 SH   SOLE 0 0 0 816
DISNEY WALT CO COM 254687106 632 4,609 SH   SOLE 0 0 0 4,609
EXXON MOBIL CORP COM 30231G102 1,235 14,954 SH   SOLE 0 0 0 14,954
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 685 12,919 SH   SOLE 0 0 0 12,919
FORD MTR CO DEL COM 345370860 756 44,730 SH   SOLE 0 0 0 44,730
GRANITESHARES GOLD TR SHS BEN INT 38748G101 1,144 59,581 SH   SOLE 0 0 0 59,581
HUNTINGTON BANCSHARES INC COM 446150104 293 20,020 SH   SOLE 0 0 0 20,020
INTEL CORP COM 458140100 643 12,971 SH   SOLE 0 0 0 12,971
ISHARES INC JP MORGAN EM ETF 464286517 6,406 173,546 SH   SOLE 0 0 0 173,546
ISHARES TR GRWT ALLOCAT ETF 464289867 312 5,781 SH   SOLE 0 0 0 5,781
ISHARES TR AGGRES ALLOC ETF 464289859 410 5,944 SH   SOLE 0 0 0 5,944
ISHARES TR CORE US AGGBD ET 464287226 989 9,238 SH   SOLE 0 0 0 9,238
ISHARES TR CORE S&P MCP ETF 464287507 3,849 14,343 SH   SOLE 0 0 0 14,343
ISHARES TR CORE MSCI EAFE 46432F842 224 3,223 SH   SOLE 0 0 0 3,223
ISHARES TR CORE S&P SCP ETF 464287804 226 2,092 SH   SOLE 0 0 0 2,092
ISHARES TR US TREAS BD ETF 46429B267 4,717 189,360 SH   SOLE 0 0 0 189,360
ISHARES TR SHRT NAT MUN ETF 464288158 1,016 9,716 SH   SOLE 0 0 0 9,716
ISHARES TR NATIONAL MUN ETF 464288414 383 3,493 SH   SOLE 0 0 0 3,493
ISHARES TR CORE S&P500 ETF 464287200 866 1,908 SH   SOLE 0 0 0 1,908
ISHARES TR MSCI EAFE ETF 464287465 340 4,615 SH   SOLE 0 0 0 4,615
ISHARES TR MODERT ALLOC ETF 464289875 266 6,200 SH   SOLE 0 0 0 6,200
ISHARES TR 0-5YR HI YL CP 46434V407 7,159 162,844 SH   SOLE 0 0 0 162,844
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 791 15,742 SH   SOLE 0 0 0 15,742
JPMORGAN CHASE & CO COM 46625H100 750 5,500 SH   SOLE 0 0 0 5,500
LOWES COS INC COM 548661107 642 3,177 SH   SOLE 0 0 0 3,177
MCDONALDS CORP COM 580135101 474 1,916 SH   SOLE 0 0 0 1,916
MERCK & CO INC COM 58933Y105 370 4,504 SH   SOLE 0 0 0 4,504
METLIFE INC COM 59156R108 546 7,768 SH   SOLE 0 0 0 7,768
MICROSOFT CORP COM 594918104 871 2,825 SH   SOLE 0 0 0 2,825
NEXTERA ENERGY INC COM 65339F101 443 5,227 SH   SOLE 0 0 0 5,227
NIKE INC CL B 654106103 498 3,702 SH   SOLE 0 0 0 3,702
PEPSICO INC COM 713448108 668 3,994 SH   SOLE 0 0 0 3,994
PFIZER INC COM 717081103 574 11,087 SH   SOLE 0 0 0 11,087
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,930 19,266 SH   SOLE 0 0 0 19,266
PROCTER AND GAMBLE CO COM 742718109 1,040 6,806 SH   SOLE 0 0 0 6,806
PROGRESSIVE CORP COM 743315103 739 6,485 SH   SOLE 0 0 0 6,485
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 15,474 264,510 SH   SOLE 0 0 0 264,510
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 687 14,149 SH   SOLE 0 0 0 14,149
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,844 178,613 SH   SOLE 0 0 0 178,613
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 527 7,377 SH   SOLE 0 0 0 7,377
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,624 404,349 SH   SOLE 0 0 0 404,349
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 27,030 788,501 SH   SOLE 0 0 0 788,501
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,732 30,555 SH   SOLE 0 0 0 30,555
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 3,592 49,773 SH   SOLE 0 0 0 49,773
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,573 44,738 SH   SOLE 0 0 0 44,738
SPDR S&P 500 ETF TR TR UNIT 78462F103 215 477 SH   SOLE 0 0 0 477
SPDR SER TR PORTFLI TIPS ETF 78464A656 299 9,883 SH   SOLE 0 0 0 9,883
SPDR SER TR PORTFLI INTRMDIT 78464A672 340 11,234 SH   SOLE 0 0 0 11,234
SPDR SER TR S&P 600 SMCP VAL 78464A300 10,204 122,449 SH   SOLE 0 0 0 122,449
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,571 54,531 SH   SOLE 0 0 0 54,531
SPDR SER TR NUVEEN BLMBRG SH 78468R739 491 10,374 SH   SOLE 0 0 0 10,374
SPDR SER TR PORTFOLIO LN TSR 78464A664 405 10,710 SH   SOLE 0 0 0 10,710
SPDR SER TR PORTFOLIO S&P400 78464A847 15,074 319,629 SH   SOLE 0 0 0 319,629
SPDR SER TR NUVEEN BLOOMBERG 78464A284 575 10,426 SH   SOLE 0 0 0 10,426
SPDR SER TR PORTFOLIO AGRGTE 78464A649 15,747 566,636 SH   SOLE 0 0 0 566,636
SPDR SER TR BLOOMBERG SHT TE 78468R408 262 9,998 SH   SOLE 0 0 0 9,998
SPDR SER TR BLOOMBERG EMERGI 78464A391 312 13,738 SH   SOLE 0 0 0 13,738
SPDR SER TR PORTFOLI S&P1500 78464A805 44,543 801,423 SH   SOLE 0 0 0 801,423
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 306 6,825 SH   SOLE 0 0 0 6,825
UNION PAC CORP COM 907818108 646 2,364 SH   SOLE 0 0 0 2,364
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,063 42,354 SH   SOLE 0 0 0 42,354
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 649 11,313 SH   SOLE 0 0 0 11,313
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 615 3,468 SH   SOLE 0 0 0 3,468
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 668 8,392 SH   SOLE 0 0 0 8,392
VANGUARD INDEX FDS VALUE ETF 922908744 414 2,800 SH   SOLE 0 0 0 2,800
VANGUARD INDEX FDS SMALL CP ETF 922908751 225 1,060 SH   SOLE 0 0 0 1,060
VANGUARD INDEX FDS TOTAL STK MKT 922908769 898 3,945 SH   SOLE 0 0 0 3,945
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,136 46,297 SH   SOLE 0 0 0 46,297
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,614 31,302 SH   SOLE 0 0 0 31,302
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,093 90,834 SH   SOLE 0 0 0 90,834
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,611 54,352 SH   SOLE 0 0 0 54,352
VERIZON COMMUNICATIONS INC COM 92343V104 799 15,684 SH   SOLE 0 0 0 15,684
WALMART INC COM 931142103 251 1,688 SH   SOLE 0 0 0 1,688
WASTE MGMT INC DEL COM 94106L109 297 1,877 SH   SOLE 0 0 0 1,877
WORLD GOLD TR SPDR GLD MINIS 98149E303 10,694 277,988 SH   SOLE 0 0 0 277,988