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

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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
AMERICAN EXPRESS CO COM 025816109 62 377 SH   SOLE   0 0 377
CITY HLDG CO COM 177835105 23 281 SH   SOLE   0 0 281
CONOCOPHILLIPS COM 20825C104 14 200 SH   SOLE   0 0 200
CORTEVA INC COM 22052L104 12 264 SH   SOLE   0 0 264
DOW INC COM 260557103 31 552 SH   SOLE   0 0 552
DUPONT DE NEMOURS INC COM 26614N102 45 552 SH   SOLE   0 0 552
ISHARES INC MSCI GBL MIN VOL 464286525 5 49 SH   SOLE   0 0 49
ISHARES TR CORE S&P500 ETF 464287200 17,729 37,168 SH   SOLE   0 0 37,168
ISHARES TR S&P 500 VAL ETF 464287408 11,784 75,232 SH   SOLE   0 0 75,232
ISHARES TR CORE S&P US VLU 464287663 16,339 214,028 SH   SOLE   0 0 214,028
ISHARES TR CORE S&P US GWT 464287671 12,450 107,662 SH   SOLE   0 0 107,662
ISHARES TR CORE S&P SCP ETF 464287804 14,880 129,947 SH   SOLE   0 0 129,947
ISHARES SILVER TR ISHARES 46428Q109 16 750 SH   SOLE   0 0 750
ISHARES TR FLTG RATE NT ETF 46429B655 5 97 SH   SOLE   0 0 97
ISHARES TR MSCI USA MIN VOL 46429B697 19,593 242,184 SH   SOLE   0 0 242,184
ISHARES TR CORE MSCI TOTAL 46432F834 9,847 138,801 SH   SOLE   0 0 138,801
ISHARES TR CORE MSCI EAFE 46432F842 8,126 108,868 SH   SOLE   0 0 108,868
ISHARES TR CORE 1 5 YR USD 46432F859 18,787 372,528 SH   SOLE   0 0 372,528
ISHARES TR 0-5YR HI YL CP 46434V407 7,316 161,492 SH   SOLE   0 0 161,492
ISHARES TR MSCI INTL VLU FT 46435G409 5,645 221,914 SH   SOLE   0 0 221,914
MARATHON PETE CORP COM 56585A102 34 539 SH   SOLE   0 0 539
OLIN CORP COM PAR $1 680665205 35 605 SH   SOLE   0 0 605
VERIZON COMMUNICATIONS INC COM 92343V104 112 2,163 SH   SOLE   0 0 2,163