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
AMAZON COM INC COM 023135106 362 115 SH   SOLE   0 0 115
APPLE INC COM 037833100 1,178 10,176 SH   SOLE   0 0 10,176
AUTOMATIC DATA PROCESSING IN COM 053015103 243 1,745 SH   SOLE   0 0 1,745
CORTEVA INC COM 22052L104 7,484 259,780 SH   SOLE   0 0 259,780
DOW INC COM 260557103 25,132 534,153 SH   SOLE   0 0 534,153
DUPONT DE NEMOURS INC COM 26614N102 24,917 449,119 SH   SOLE   0 0 449,119
FIRST TRUST SPECIALTY FINANC COM BEN INTR 33733G109 104 45,379 SH   SOLE   0 0 45,379
GENERAL ELECTRIC CO COM 369604103 138 22,208 SH   SOLE   0 0 22,208
INTEL CORP COM 458140100 211 4,084 SH   SOLE   0 0 4,084
ISHARES INC MSCI GBL MIN VOL 464286525 273 2,972 SH   SOLE   0 0 2,972
ISHARES TR CORE S&P TTL STK 464287150 31 414 SH   SOLE   0 0 414
ISHARES TR CHINA LG-CAP ETF 464287184 43 1,012 SH   SOLE   0 0 1,012
ISHARES TR CORE US AGGBD ET 464287226 316 2,677 SH   SOLE   0 0 2,677
ISHARES TR MSCI EMG MKT ETF 464287234 36 811 SH   SOLE   0 0 811
ISHARES TR IBOXX INV CP ETF 464287242 6 42 SH   SOLE   0 0 42
ISHARES TR S&P 500 GRWT ETF 464287309 156 675 SH   SOLE   0 0 675
ISHARES TR S&P 500 VAL ETF 464287408 3 27 SH   SOLE   0 0 27
ISHARES TR 20 YR TR BD ETF 464287432 2 11 SH   SOLE   0 0 11
ISHARES TR RUS MDCP VAL ETF 464287473 39 478 SH   SOLE   0 0 478
ISHARES TR RUS MD CP GR ETF 464287481 81 466 SH   SOLE   0 0 466
ISHARES TR NASDAQ BIOTECH 464287556 5 34 SH   SOLE   0 0 34
ISHARES TR U.S. CNSM SV ETF 464287580 40 161 SH   SOLE   0 0 161
ISHARES TR RUS 1000 GRW ETF 464287614 51 234 SH   SOLE   0 0 234
ISHARES TR RUS 1000 ETF 464287622 32 173 SH   SOLE   0 0 173
ISHARES TR RUS 2000 VAL ETF 464287630 1 8 SH   SOLE   0 0 8
ISHARES TR RUS 2000 GRW ETF 464287648 31 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 32 215 SH   SOLE   0 0 215
ISHARES TR CORE S&P US VLU 464287663 166 3,058 SH   SOLE   0 0 3,058
ISHARES TR U.S. ENERGY ETF 464287796 18 1,154 SH   SOLE   0 0 1,154
ISHARES TR MSCI ACWI ETF 464288257 1,013 12,671 SH   SOLE   0 0 12,671
ISHARES TR EAFE SML CP ETF 464288273 11 185 SH   SOLE   0 0 185
ISHARES TR JPMORGAN USD EMG 464288281 1 7 SH   SOLE   0 0 7
ISHARES TR NATIONAL MUN ETF 464288414 1 9 SH   SOLE   0 0 9
ISHARES TR IBOXX HI YD ETF 464288513 43 514 SH   SOLE   0 0 514
ISHARES TR MBS ETF 464288588 14 125 SH   SOLE   0 0 125
ISHARES TR EAFE VALUE ETF 464288877 115 2,842 SH   SOLE   0 0 2,842
ISHARES TR MSCI INTL SML CP 46434V266 194 6,446 SH   SOLE   0 0 6,446
ISHARES TR MSCI USA SML CP 46434V290 177 4,749 SH   SOLE   0 0 4,749
ISHARES TR MSCI GBL MULTIFC 46434V316 938 31,573 SH   SOLE   0 0 31,573
ISHARES TR YLD OPTIM BD 46434V787 296 11,500 SH   SOLE   0 0 11,500
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 156 3,023 SH   SOLE   0 0 3,023
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 133 2,839 SH   SOLE   0 0 2,839
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 0 1 SH   SOLE   0 0 1
J P MORGAN EXCHANGE-TRADED F INTL BD OPP ETF 46641Q852 105 2,093 SH   SOLE   0 0 2,093
JOHNSON & JOHNSON COM 478160104 248 1,667 SH   SOLE   0 0 1,667
JPMORGAN CHASE & CO COM 46625H100 211 2,193 SH   SOLE   0 0 2,193
LILLY ELI & CO COM 532457108 866 5,852 SH   SOLE   0 0 5,852
LINCOLN NATL CORP IND COM 534187109 305 9,737 SH   SOLE   0 0 9,737
MICROSOFT CORP COM 594918104 960 4,564 SH   SOLE   0 0 4,564
PIMCO CORPORATE & INCOME OPP COM 72201B101 229 14,222 SH   SOLE   0 0 14,222
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 30,942 388,518 SH   SOLE   0 0 388,518
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1 20 SH   SOLE   0 0 20
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 21 684 SH   SOLE   0 0 684
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 169 2,875 SH   SOLE   0 0 2,875
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,101 21,379 SH   SOLE   0 0 21,379
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 109 1,035 SH   SOLE   0 0 1,035
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 169 1,152 SH   SOLE   0 0 1,152
SELECT SECTOR SPDR TR ENERGY 81369Y506 205 6,858 SH   SOLE   0 0 6,858
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 21 870 SH   SOLE   0 0 870
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 15 252 SH   SOLE   0 0 252
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1 26 SH   SOLE   0 0 26
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1 22 SH   SOLE   0 0 22
SPDR S&P 500 ETF TR TR UNIT 78462F103 552 1,649 SH   SOLE   0 0 1,649
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 224 4,535 SH   SOLE   0 0 4,535
TCF FINL CORP COM 872307103 208 8,897 SH   SOLE   0 0 8,897
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5 53 SH   SOLE   0 0 53
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5 45 SH   SOLE   0 0 45
VANGUARD INDEX FDS VALUE ETF 922908744 2 21 SH   SOLE   0 0 21
VANGUARD INDEX FDS SMALL CP ETF 922908751 11 73 SH   SOLE   0 0 73
VANGUARD INDEX FDS TOTAL STK MKT 922908769 26,281 154,312 SH   SOLE   0 0 154,312
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,272 28,178 SH   SOLE   0 0 28,178
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14 326 SH   SOLE   0 0 326
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 37 710 SH   SOLE   0 0 710
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4 53 SH   SOLE   0 0 53
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 212 2,040 SH   SOLE   0 0 2,040
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 11 112 SH   SOLE   0 0 112
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 217 1,686 SH   SOLE   0 0 1,686
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,736 52,450 SH   SOLE   0 0 52,450
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 8 50 SH   SOLE   0 0 50
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 129 891 SH   SOLE   0 0 891
VANGUARD WORLD FDS INF TECH ETF 92204A702 250 803 SH   SOLE   0 0 803
VANGUARD WORLD FDS MATERIALS ETF 92204A801 2 14 SH   SOLE   0 0 14
WALMART INC COM 931142103 242 1,729 SH   SOLE   0 0 1,729
ZIMMER BIOMET HOLDINGS INC COM 98956P102 227 1,671 SH   SOLE   0 0 1,671