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
APPLE INC COM 037833100 221 1,247 SH   SOLE   1,247 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,072 12,748 SH   SOLE   12,748 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,709 32,111 SH   SOLE   32,111 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,695 5,649 SH   SOLE   5,649 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,047 21,434 SH   SOLE   21,434 0 0
ISHARES TR S&P 500 VAL ETF 464287408 532 3,399 SH   SOLE   3,399 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,183 14,251 SH   SOLE   14,251 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 2,199 9,886 SH   SOLE   9,886 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 637 2,295 SH   SOLE   2,295 0 0
ISHARES TR US INDUSTRIALS 464287754 225 2,000 SH   SOLE   2,000 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,600 40,171 SH   SOLE   40,171 0 0
ISHARES TR SP SMCP600VL ETF 464287879 408 3,908 SH   SOLE   3,908 0 0
ISHARES TR ISHS 5-10YR INVT 464288638 308 5,202 SH   SOLE   5,202 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 505 9,370 SH   SOLE   9,370 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,526 20,446 SH   SOLE   20,446 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,066 17,814 SH   SOLE   17,814 0 0
KRANESHARES TR MSCI ONE BELT 500767868 207 6,775 SH   SOLE   6,775 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,466 11,509 SH   SOLE   11,509 0 0
SPDR GOLD TR GOLD SHS 78463V107 681 3,986 SH   SOLE   3,986 0 0
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 266 2,572 SH   SOLE   2,572 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 644 21,740 SH   SOLE   21,740 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,807 94,526 SH   SOLE   94,526 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,762 43,912 SH   SOLE   43,912 0 0
TIMKENSTEEL CORPORATION COM 887399103 428 25,951 SH   SOLE   25,951 0 0
UNITED PARCEL SERVICE INC CL B 911312106 281 1,310 SH   SOLE   1,310 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 292 6,965 SH   SOLE   6,965 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,202 47,957 SH   SOLE   47,957 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 6,546 80,986 SH   SOLE   80,986 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,847 114,505 SH   SOLE   114,505 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,379 68,315 SH   SOLE   68,315 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 324 5,900 SH   SOLE   5,900 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 783 1,794 SH   SOLE   1,794 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,738 23,600 SH   SOLE   23,600 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 734 3,320 SH   SOLE   3,320 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 291 908 SH   SOLE   908 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,143 5,059 SH   SOLE   5,059 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,389 18,180 SH   SOLE   18,180 0 0