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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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   416,873 3,797 SH   SOLE   0 0 3,797
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   544,087 2,039 SH   SOLE   0 0 2,039
ALPHABET INC CAP STK CL C 02079K107   217,743 2,454 SH   SOLE   0 0 2,454
AMCOR PLC ORD G0250X107   136,620 11,471 SH   SOLE   0 0 11,471
APPLE INC COM 037833100   4,977,351 38,308 SH   SOLE   0 0 38,308
AUTOMATIC DATA PROCESSING IN COM 053015103   382,893 1,603 SH   SOLE   0 0 1,603
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   537,486 1,740 SH   SOLE   0 0 1,740
CATERPILLAR INC COM 149123101   773,390 3,228 SH   SOLE   0 0 3,228
CISCO SYS INC COM 17275R102   274,788 5,768 SH   SOLE   0 0 5,768
COCA COLA CO COM 191216100   299,941 4,715 SH   SOLE   0 0 4,715
COLGATE PALMOLIVE CO COM 194162103   371,731 4,718 SH   SOLE   0 0 4,718
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   2,743,608 109,569 SH   SOLE   0 0 109,569
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,226,528 50,516 SH   SOLE   0 0 50,516
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   836,383 38,104 SH   SOLE   0 0 38,104
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   3,633,947 134,491 SH   SOLE   0 0 134,491
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   8,202,719 197,133 SH   SOLE   0 0 197,133
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,110,629 51,418 SH   SOLE   0 0 51,418
DISNEY WALT CO COM 254687106   428,666 4,934 SH   SOLE   0 0 4,934
EXXON MOBIL CORP COM 30231G102   487,857 4,423 SH   SOLE   0 0 4,423
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   610,696 30,937 SH   SOLE   0 0 30,937
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104   380,167 19,056 SH   SOLE   0 0 19,056
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135   328,909 8,030 SH   SOLE   0 0 8,030
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   562,419 8,960 SH   SOLE   0 0 8,960
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143   1,639,540 15,079 SH   SOLE   0 0 15,079
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   481,780 10,162 SH   SOLE   0 0 10,162
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   772,377 17,586 SH   SOLE   0 0 17,586
GOLDMAN SACHS ETF TR MARKETBETA INTL 381430180   3,409,415 72,618 SH   SOLE   0 0 72,618
HOME DEPOT INC COM 437076102   600,450 1,901 SH   SOLE   0 0 1,901
INTERNATIONAL BUSINESS MACHS COM 459200101   249,375 1,770 SH   SOLE   0 0 1,770
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,322,155 20,691 SH   SOLE   0 0 20,691
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   4,649,078 202,046 SH   SOLE   0 0 202,046
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,233,481 20,841 SH   SOLE   0 0 20,841
ISHARES INC MSCI EMERG MRKT 464286533   1,629,059 30,708 SH   SOLE   0 0 30,708
ISHARES TR CORE DIV GRWTH 46434V621   422,650 8,453 SH   SOLE   0 0 8,453
ISHARES TR FLTG RATE NT ETF 46429B655   594,297 11,808 SH   SOLE   0 0 11,808
ISHARES TR EAFE VALUE ETF 464288877   10,888,838 237,333 SH   SOLE   0 0 237,333
ISHARES TR S&P MC 400VL ETF 464287705   1,227,038 12,173 SH   SOLE   0 0 12,173
ISHARES TR U.S. TECH ETF 464287721   5,736,102 77,005 SH   SOLE   0 0 77,005
ISHARES TR CORE 1 5 YR USD 46432F859   277,107 5,967 SH   SOLE   0 0 5,967
ISHARES TR MSCI USA MMENTM 46432F396   5,482,444 37,569 SH   SOLE   0 0 37,569
ISHARES TR CORE US AGGBD ET 464287226   7,426,621 76,571 SH   SOLE   0 0 76,571
ISHARES TR MSCI USA MIN VOL 46429B697   10,708,797 148,527 SH   SOLE   0 0 148,527
ISHARES TR S&P 500 GRWT ETF 464287309   1,070,433 18,298 SH   SOLE   0 0 18,298
ISHARES TR IBOXX INV CP ETF 464287242   1,936,855 18,371 SH   SOLE   0 0 18,371
ISHARES TR FALN ANGLS USD 46435G474   365,065 14,834 SH   SOLE   0 0 14,834
ISHARES TR S&P SML 600 GWT 464287887   219,922 2,035 SH   SOLE   0 0 2,035
ISHARES TR MBS ETF 464288588   6,614,095 71,311 SH   SOLE   0 0 71,311
ISHARES TR MSCI EAFE ETF 464287465   1,483,530 22,601 SH   SOLE   0 0 22,601
ISHARES TR RUS 1000 ETF 464287622   4,801,751 22,809 SH   SOLE   0 0 22,809
ISHARES TR CORE TOTAL USD 46434V613   9,878,355 219,861 SH   SOLE   0 0 219,861
ISHARES TR CORE S&P500 ETF 464287200   550,957 1,434 SH   SOLE   0 0 1,434
ISHARES TR 20 YR TR BD ETF 464287432   603,035 6,057 SH   SOLE   0 0 6,057
ISHARES TR 10-20 YR TRS ETF 464288653   3,479,934 32,168 SH   SOLE   0 0 32,168
ISHARES TR USD INV GRDE ETF 464288620   1,094,858 22,294 SH   SOLE   0 0 22,294
ISHARES TR S&P 500 VAL ETF 464287408   2,603,861 17,949 SH   SOLE   0 0 17,949
ISHARES TR MSCI USA QLT FCT 46432F339   19,830,180 174,010 SH   SOLE   0 0 174,010
ISHARES TR 0-5YR HI YL CP 46434V407   5,109,328 124,953 SH   SOLE   0 0 124,953
ISHARES TR US HLTHCARE ETF 464287762   936,527 3,301 SH   SOLE   0 0 3,301
ISHARES TR SELECT DIVID ETF 464287168   275,209 2,282 SH   SOLE   0 0 2,282
ISHARES TR MSCI USA VALUE 46432F388   6,365,309 69,841 SH   SOLE   0 0 69,841
ISHARES TR MSCI EMG MKT ETF 464287234   1,359,208 35,863 SH   SOLE   0 0 35,863
ISHARES TR S&P 100 ETF 464287101   3,567,983 20,918 SH   SOLE   0 0 20,918
ISHARES TR EXPND TEC SC ETF 464287549   1,505,280 5,376 SH   SOLE   0 0 5,376
ISHARES TR U.S. MED DVC ETF 464288810   1,570,108 29,867 SH   SOLE   0 0 29,867
ISHARES TR CORE S&P SCP ETF 464287804   1,184,420 12,515 SH   SOLE   0 0 12,515
ISHARES TR 0-5YR INVT GR CP 46434V100   623,041 13,018 SH   SOLE   0 0 13,018
ISHARES TR US TREAS BD ETF 46429B267   3,718,651 163,673 SH   SOLE   0 0 163,673
ISHARES TR EAFE GRWTH ETF 464288885   3,196,198 38,159 SH   SOLE   0 0 38,159
ISHARES TR US INFRASTRUC 46435U713   1,037,290 28,607 SH   SOLE   0 0 28,607
ISHARES TR CONV BD ETF 46435G102   1,739,043 25,033 SH   SOLE   0 0 25,033
ISHARES TR ESG AWR MSCI USA 46435G425   500,957 5,911 SH   SOLE   0 0 5,911
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   2,791,402 99,021 SH   SOLE   0 0 99,021
ISHARES U S ETF TR BLOOMBERG ROLL 46431W598   270,424 4,961 SH   SOLE   0 0 4,961
J P MORGAN EXCHANGE TRADED F ACTIVEBLDRS EMER 46641Q266   276,331 8,125 SH   SOLE   0 0 8,125
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   541,605 12,191 SH   SOLE   0 0 12,191
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,465,206 28,994 SH   SOLE   0 0 28,994
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   791,053 15,939 SH   SOLE   0 0 15,939
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   759,682 16,540 SH   SOLE   0 0 16,540
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   201,831 3,704 SH   SOLE   0 0 3,704
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   873,014 17,415 SH   SOLE   0 0 17,415
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   408,252 7,969 SH   SOLE   0 0 7,969
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   1,151,541 16,801 SH   SOLE   0 0 16,801
JPMORGAN CHASE & CO COM 46625H100   850,744 6,344 SH   SOLE   0 0 6,344
LAKELAND FINL CORP COM 511656100   998,740 13,687 SH   SOLE   0 0 13,687
LILLY ELI & CO COM 532457108   827,896 2,263 SH   SOLE   0 0 2,263
LINCOLN NATL CORP IND COM 534187109   213,842 6,961 SH   SOLE   0 0 6,961
MCDONALDS CORP COM 580135101   1,240,963 4,709 SH   SOLE   0 0 4,709
MICROSOFT CORP COM 594918104   1,015,954 4,236 SH   SOLE   0 0 4,236
NUCOR CORP COM 670346105   424,504 3,221 SH   SOLE   0 0 3,221
ORACLE CORP COM 68389X105   345,654 4,229 SH   SOLE   0 0 4,229
PEPSICO INC COM 713448108   726,276 4,020 SH   SOLE   0 0 4,020
PFIZER INC COM 717081103   328,397 6,409 SH   SOLE   0 0 6,409
PLEXUS CORP COM 729132100   257,325 2,500 SH   SOLE   0 0 2,500
PROCTER AND GAMBLE CO COM 742718109   596,689 3,937 SH   SOLE   0 0 3,937
ROYAL CARIBBEAN GROUP COM V7780T103   247,150 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR US TIPS ETF 808524870   268,220 5,179 SH   SOLE   0 0 5,179
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   5,245,733 114,912 SH   SOLE   0 0 114,912
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   484,414 10,729 SH   SOLE   0 0 10,729
SELECT SECTOR SPDR TR ENERGY 81369Y506   446,797 5,108 SH   SOLE   0 0 5,108
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   454,516 4,628 SH   SOLE   0 0 4,628
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,716,669 259,908 SH   SOLE   0 0 259,908
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,398,863 8,888 SH   SOLE   0 0 8,888
SPDR SER TR PORTFOLIO LN TSR 78464A664   3,808,446 131,190 SH   SOLE   0 0 131,190
SPDR SER TR PORTFLI TIPS ETF 78464A656   329,084 12,775 SH   SOLE   0 0 12,775
SPDR SER TR PORTFOLIO S&P500 78464A854   41,832,525 930,025 SH   SOLE   0 0 930,025
SPDR SER TR PORTFOLIO S&P600 78468R853   3,940,706 106,592 SH   SOLE   0 0 106,592
STEEL DYNAMICS INC COM 858119100   421,404 4,313 SH   SOLE   0 0 4,313
STRYKER CORPORATION COM 863667101   548,835 2,245 SH   SOLE   0 0 2,245
VANGUARD BD INDEX FDS INTERMED TERM 921937819   604,742 8,137 SH   SOLE   0 0 8,137
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,563,238 21,760 SH   SOLE   0 0 21,760
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   423,267 5,843 SH   SOLE   0 0 5,843
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,012,084 26,728 SH   SOLE   0 0 26,728
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   962,307 20,289 SH   SOLE   0 0 20,289
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,733,902 9,447 SH   SOLE   0 0 9,447
VANGUARD INDEX FDS MID CAP ETF 922908629   1,024,349 5,026 SH   SOLE   0 0 5,026
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,561,051 8,165 SH   SOLE   0 0 8,165
VANGUARD INDEX FDS GROWTH ETF 922908736   2,658,334 12,474 SH   SOLE   0 0 12,474
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,818,455 19,407 SH   SOLE   0 0 19,407
VANGUARD INDEX FDS VALUE ETF 922908744   3,033,258 21,609 SH   SOLE   0 0 21,609
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,442,721 62,666 SH   SOLE   0 0 62,666
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,195,974 63,741 SH   SOLE   0 0 63,741
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   907,061 19,419 SH   SOLE   0 0 19,419
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   6,301,103 107,748 SH   SOLE   0 0 107,748
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,442,684 44,416 SH   SOLE   0 0 44,416
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   745,584 9,916 SH   SOLE   0 0 9,916
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   444,366 9,762 SH   SOLE   0 0 9,762
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,243,076 54,284 SH   SOLE   0 0 54,284
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,154,493 122,814 SH   SOLE   0 0 122,814
VANGUARD WELLINGTON FD US QUALITY 921935706   397,702 3,793 SH   SOLE   0 0 3,793
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   229,523 3,853 SH   SOLE   0 0 3,853
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,516,704 11,010 SH   SOLE   0 0 11,010
VERIZON COMMUNICATIONS INC COM 92343V104   261,695 6,642 SH   SOLE   0 0 6,642
WALMART INC COM 931142103   832,874 5,874 SH   SOLE   0 0 5,874