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 375 115 SH   SOLE   0 0 115
APPLE INC COM 037833100 1,403 10,574 SH   SOLE   0 0 10,574
AUTOMATIC DATA PROCESSING IN COM 053015103 216 1,228 SH   SOLE   0 0 1,228
CISCO SYS INC COM 17275R102 432 9,646 SH   SOLE   0 0 9,646
DOW INC COM 260557103 29,534 532,148 SH   SOLE   0 0 532,148
DUPONT DE NEMOURS INC COM 26614N102 31,620 444,670 SH   SOLE   0 0 444,670
FIRST TRUST SPECIALTY FINANC COM BEN INTR 33733G109 142 45,379 SH   SOLE   0 0 45,379
GENERAL ELECTRIC CO COM 369604103 238 22,073 SH   SOLE   0 0 22,073
INTEL CORP COM 458140100 203 4,084 SH   SOLE   0 0 4,084
ISHARES INC MSCI GBL MIN VOL 464286525 288 2,971 SH   SOLE   0 0 2,971
ISHARES INC CORE MSCI EMKT 46434G103 0 5 SH   SOLE   0 0 5
ISHARES INC MSCI EMERG MKT 46434G889 363 7,398 SH   SOLE   0 0 7,398
ISHARES TR CORE S&P TTL STK 464287150 36 414 SH   SOLE   0 0 414
ISHARES TR CHINA LG-CAP ETF 464287184 47 1,012 SH   SOLE   0 0 1,012
ISHARES TR CORE US AGGBD ET 464287226 319 2,703 SH   SOLE   0 0 2,703
ISHARES TR MSCI EMG MKT ETF 464287234 42 819 SH   SOLE   0 0 819
ISHARES TR S&P 500 GRWT ETF 464287309 140 2,188 SH   SOLE   0 0 2,188
ISHARES TR S&P 500 VAL ETF 464287408 3 27 SH   SOLE   0 0 27
ISHARES TR RUS MDCP VAL ETF 464287473 46 478 SH   SOLE   0 0 478
ISHARES TR RUS MD CP GR ETF 464287481 69 668 SH   SOLE   0 0 668
ISHARES TR U.S. CNSM SV ETF 464287580 46 646 SH   SOLE   0 0 646
ISHARES TR RUS 1000 GRW ETF 464287614 56 234 SH   SOLE   0 0 234
ISHARES TR RUS 1000 ETF 464287622 37 173 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 40 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 42 215 SH   SOLE   0 0 215
ISHARES TR CORE S&P US VLU 464287663 364 5,851 SH   SOLE   0 0 5,851
ISHARES TR U.S. ENERGY ETF 464287796 23 1,154 SH   SOLE   0 0 1,154
ISHARES TR MSCI ACWI ETF 464288257 1,129 12,444 SH   SOLE   0 0 12,444
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 45 514 SH   SOLE   0 0 514
ISHARES TR ISHS 5-10YR INVT 464288638 6 93 SH   SOLE   0 0 93
ISHARES TR EAFE VALUE ETF 464288877 134 2,842 SH   SOLE   0 0 2,842
ISHARES TR MSCI INTL SML CP 46434V266 135 4,046 SH   SOLE   0 0 4,046
ISHARES TR MSCI USA SML CP 46434V290 217 4,749 SH   SOLE   0 0 4,749
ISHARES TR MSCI GBL MULTIFC 46434V316 1,058 31,425 SH   SOLE   0 0 31,425
ISHARES TR MSCI INTL QUALTY 46434V456 172 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787 297 11,501 SH   SOLE   0 0 11,501
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 176 3,023 SH   SOLE   0 0 3,023
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 145 2,643 SH   SOLE   0 0 2,643
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 109 2,103 SH   SOLE   0 0 2,103
JOHNSON & JOHNSON COM 478160104 272 1,729 SH   SOLE   0 0 1,729
JPMORGAN CHASE & CO COM 46625H100 276 2,173 SH   SOLE   0 0 2,173
LAKELAND FINL CORP COM 511656100 218 4,075 SH   SOLE   0 0 4,075
LILLY ELI & CO COM 532457108 977 5,788 SH   SOLE   0 0 5,788
LINCOLN NATL CORP IND COM 534187109 466 9,256 SH   SOLE   0 0 9,256
MICROSOFT CORP COM 594918104 1,007 4,528 SH   SOLE   0 0 4,528
PIMCO CORPORATE & INCOME OPP COM 72201B101 304 17,009 SH   SOLE   0 0 17,009
RAYTHEON TECHNOLOGIES CORP COM 75513E101 241 3,368 SH   SOLE   0 0 3,368
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 35,351 388,518 SH   SOLE   0 0 388,518
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 273 2,123 SH   SOLE   0 0 2,123
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 23 382 SH   SOLE   0 0 382
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 7 232 SH   SOLE   0 0 232
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 168 2,620 SH   SOLE   0 0 2,620
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 38 1,067 SH   SOLE   0 0 1,067
SCHWAB STRATEGIC TR US REIT ETF 808524847 3 83 SH   SOLE   0 0 83
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 171 2,931 SH   SOLE   0 0 2,931
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 366 7,129 SH   SOLE   0 0 7,129
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 103 907 SH   SOLE   0 0 907
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 169 1,053 SH   SOLE   0 0 1,053
SELECT SECTOR SPDR TR ENERGY 81369Y506 260 6,848 SH   SOLE   0 0 6,848
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 14 465 SH   SOLE   0 0 465
SPDR S&P 500 ETF TR TR UNIT 78462F103 617 1,649 SH   SOLE   0 0 1,649
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 227 4,598 SH   SOLE   0 0 4,598
TCF FINL CORP COM 872307103 329 8,897 SH   SOLE   0 0 8,897
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6 53 SH   SOLE   0 0 53
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6 45 SH   SOLE   0 0 45
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 5 32 SH   SOLE   0 0 32
VANGUARD INDEX FDS VALUE ETF 922908744 2 21 SH   SOLE   0 0 21
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,784 91,367 SH   SOLE   0 0 91,367
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,606 28,147 SH   SOLE   0 0 28,147
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16 326 SH   SOLE   0 0 326
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 43 710 SH   SOLE   0 0 710
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 382 2,706 SH   SOLE   0 0 2,706
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,155 52,450 SH   SOLE   0 0 52,450
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 141 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 148 418 SH   SOLE   0 0 418
WALMART INC COM 931142103 248 1,721 SH   SOLE   0 0 1,721
ZIMMER BIOMET HOLDINGS INC COM 98956P102 257 1,671 SH   SOLE   0 0 1,671