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
ABBOTT LABS COM 002824100 291 2,464 SH   SOLE   2,464 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 322 559 SH   SOLE   559 0 0
ALPHABET INC CAP STK CL C 02079K107 882 331 SH   SOLE   331 0 0
ALPHABET INC CAP STK CL A 02079K305 1,006 376 SH   SOLE   376 0 0
AMAZON COM INC COM 023135106 1,958 596 SH   SOLE   596 0 0
APPLE INC COM 037833100 4,039 28,544 SH   SOLE   28,544 0 0
AT&T INC COM 00206R102 352 13,009 SH   SOLE   13,009 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 671 2,458 SH   SOLE   2,458 0 0
BK OF AMERICA CORP COM 060505104 715 16,838 SH   SOLE   16,838 0 0
CISCO SYS INC COM 17275R102 305 5,601 SH   SOLE   5,601 0 0
COMCAST CORP NEW CL A 20030N101 364 6,508 SH   SOLE   6,508 0 0
CONFORMIS INC COM 20717E101 13 10,000 SH   SOLE   10,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 397 883 SH   SOLE   883 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 425 1,731 SH   SOLE   1,731 0 0
CSX CORP COM 126408103 608 20,454 SH   SOLE   20,454 0 0
DIGITALOCEAN HLDGS INC COM 25402D102 504 6,501 SH   SOLE   6,501 0 0
DISNEY WALT CO COM 254687106 474 2,803 SH   SOLE   2,803 0 0
EXXON MOBIL CORP COM 30231G102 502 8,526 SH   SOLE   8,526 0 0
FACEBOOK INC CL A 30303M102 1,139 3,355 SH   SOLE   3,355 0 0
HOME DEPOT INC COM 437076102 447 1,362 SH   SOLE   1,362 0 0
HUNTINGTON BANCSHARES INC COM 446150104 882 57,032 SH   SOLE   57,032 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 211 3,463 SH   SOLE   3,463 0 0
ISHARES INC CORE MSCI EMKT 46434G103 438 7,089 SH   SOLE   7,089 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 375 4,972 SH   SOLE   4,972 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 582 7,917 SH   SOLE   7,917 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,137 27,001 SH   SOLE   27,001 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 252 1,155 SH   SOLE   1,155 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 224 1,396 SH   SOLE   1,396 0 0
ISHARES TR RUS MID CAP ETF 464287499 269 3,435 SH   SOLE   3,435 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,402 13,033 SH   SOLE   13,033 0 0
ISHARES TR JPMORGAN USD EMG 464288281 327 2,969 SH   SOLE   2,969 0 0
ISHARES TR CORE S&P SCP ETF 464287804 274 2,508 SH   SOLE   2,508 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,577 21,237 SH   SOLE   21,237 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,053 2,444 SH   SOLE   2,444 0 0
JOHNSON & JOHNSON COM 478160104 838 5,192 SH   SOLE   5,192 0 0
JPMORGAN CHASE & CO COM 46625H100 1,849 11,294 SH   SOLE   11,294 0 0
LIFEMD INC COM 53216B104 106 17,065 SH   SOLE   17,065 0 0
MASTERCARD INCORPORATED CL A 57636Q104 289 832 SH   SOLE   832 0 0
MCDONALDS CORP COM 580135101 338 1,400 SH   SOLE   1,400 0 0
MICROSOFT CORP COM 594918104 3,094 10,975 SH   SOLE   10,975 0 0
NETFLIX INC COM 64110L106 313 513 SH   SOLE   513 0 0
NEXTERA ENERGY INC COM 65339F101 217 2,759 SH   SOLE   2,759 0 0
NORFOLK SOUTHN CORP COM 655844108 417 1,744 SH   SOLE   1,744 0 0
NVIDIA CORPORATION COM 67066G104 977 4,712 SH   SOLE   4,712 0 0
ORACLE CORP COM 68389X105 344 3,951 SH   SOLE   3,951 0 0
PAYPAL HLDGS INC COM 70450Y103 359 1,379 SH   SOLE   1,379 0 0
PEPSICO INC COM 713448108 538 3,578 SH   SOLE   3,578 0 0
PFIZER INC COM 717081103 313 7,281 SH   SOLE   7,281 0 0
PROCTER AND GAMBLE CO COM 742718109 2,391 17,105 SH   SOLE   17,105 0 0
PROLOGIS INC. COM 74340W103 288 2,293 SH   SOLE   2,293 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 234 1,878 SH   SOLE   1,878 0 0
ROKU INC COM CL A 77543R102 670 2,141 SH   SOLE   2,141 0 0
SALESFORCE COM INC COM 79466L302 444 1,637 SH   SOLE   1,637 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 657 15,417 SH   SOLE   15,417 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,432 46,992 SH   SOLE   46,992 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 405 12,327 SH   SOLE   12,327 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,686 83,633 SH   SOLE   83,633 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,712 63,480 SH   SOLE   63,480 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,102 10,595 SH   SOLE   10,595 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,207 48,666 SH   SOLE   48,666 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,525 37,422 SH   SOLE   37,422 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,716 61,521 SH   SOLE   61,521 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 218 4,780 SH   SOLE   4,780 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,221 32,181 SH   SOLE   32,181 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 310 8,002 SH   SOLE   8,002 0 0
SHOPIFY INC CL A 82509L107 918 677 SH   SOLE   677 0 0
SORRENTO THERAPEUTICS INC COM NEW 83587F202 82 10,717 SH   SOLE   10,717 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 590 1,373 SH   SOLE   1,373 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 491 5,997 SH   SOLE   5,997 0 0
SPDR SER TR S&P DIVID ETF 78464A763 250 2,130 SH   SOLE   2,130 0 0
SPDR SER TR S&P 400 MDCP VAL 78464A839 417 6,292 SH   SOLE   6,292 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 330 3,612 SH   SOLE   3,612 0 0
TESLA INC COM 88160R101 810 1,045 SH   SOLE   1,045 0 0
THE TRADE DESK INC COM CL A 88339J105 1,219 17,341 SH   SOLE   17,341 0 0
UNITEDHEALTH GROUP INC COM 91324P102 479 1,227 SH   SOLE   1,227 0 0
US BANCORP DEL COM NEW 902973304 464 7,808 SH   SOLE   7,808 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 1,109 17,749 SH   SOLE   17,749 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,532 17,129 SH   SOLE   17,129 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 459 5,369 SH   SOLE   5,369 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,544 34,819 SH   SOLE   34,819 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,634 9,400 SH   SOLE   9,400 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 902 3,812 SH   SOLE   3,812 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,375 21,971 SH   SOLE   21,971 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,031 12,824 SH   SOLE   12,824 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,095 15,007 SH   SOLE   15,007 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,283 3,251 SH   SOLE   3,251 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,229 19,075 SH   SOLE   19,075 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 6,277 46,369 SH   SOLE   46,369 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 891 4,076 SH   SOLE   4,076 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,358 91,680 SH   SOLE   91,680 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,817 76,328 SH   SOLE   76,328 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 332 2,484 SH   SOLE   2,484 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 363 6,634 SH   SOLE   6,634 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,846 29,175 SH   SOLE   29,175 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,839 36,413 SH   SOLE   36,413 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 611 5,907 SH   SOLE   5,907 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 218 2,722 SH   SOLE   2,722 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 354 6,553 SH   SOLE   6,553 0 0
VISA INC COM CL A 92826C839 525 2,358 SH   SOLE   2,358 0 0
WALMART INC COM 931142103 457 3,275 SH   SOLE   3,275 0 0
WENDYS CO COM 95058W100 219 10,120 SH   SOLE   10,120 0 0