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 217 70 SH   SOLE   0 0 70
APPLE INC COM 037833100 1,201 9,835 SH   SOLE   0 0 9,835
AUTOMATIC DATA PROCESSING IN COM 053015103 231 1,228 SH   SOLE   0 0 1,228
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,456 156,413 SH   SOLE   0 0 156,413
CHEVRON CORP NEW COM 166764100 218 2,083 SH   SOLE   0 0 2,083
CORTEVA INC COM 22052L104 353 7,572 SH   SOLE   0 0 7,572
DOW INC COM 260557103 34,436 538,570 SH   SOLE   0 0 538,570
DUPONT DE NEMOURS INC COM 26614N102 24,582 318,086 SH   SOLE   0 0 318,086
FIRST TRUST SPECIALTY FINANC COM BEN INTR 33733G109 181 45,379 SH   SOLE   0 0 45,379
GENERAL ELECTRIC CO COM 369604103 300 22,867 SH   SOLE   0 0 22,867
INTEL CORP COM 458140100 288 4,499 SH   SOLE   0 0 4,499
ISHARES INC MSCI GBL MIN VOL 464286525 375 3,806 SH   SOLE   0 0 3,806
ISHARES INC MSCI EMRG CHN 46434G764 239 4,018 SH   SOLE   0 0 4,018
ISHARES INC MSCI EMERG MKT 46434G889 366 7,037 SH   SOLE   0 0 7,037
ISHARES TR CHINA LG-CAP ETF 464287184 47 1,012 SH   SOLE   0 0 1,012
ISHARES TR CORE US AGGBD ET 464287226 24,575 215,888 SH   SOLE   0 0 215,888
ISHARES TR MSCI EMG MKT ETF 464287234 44 819 SH   SOLE   0 0 819
ISHARES TR S&P 500 GRWT ETF 464287309 142 2,188 SH   SOLE   0 0 2,188
ISHARES TR RUS MDCP VAL ETF 464287473 50 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CP GR ETF 464287481 68 668 SH   SOLE   0 0 668
ISHARES TR RUS MID CAP ETF 464287499 2 30 SH   SOLE   0 0 30
ISHARES TR NASDAQ BIOTECH 464287556 19 127 SH   SOLE   0 0 127
ISHARES TR U.S. CNSM SV ETF 464287580 48 646 SH   SOLE   0 0 646
ISHARES TR RUS 1000 GRW ETF 464287614 57 234 SH   SOLE   0 0 234
ISHARES TR RUS 1000 ETF 464287622 39 173 SH   SOLE   0 0 173
ISHARES TR RUS 2000 GRW ETF 464287648 42 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 48 215 SH   SOLE   0 0 215
ISHARES TR CORE S&P US VLU 464287663 426 6,181 SH   SOLE   0 0 6,181
ISHARES TR U.S. ENERGY ETF 464287796 30 1,154 SH   SOLE   0 0 1,154
ISHARES TR CORE S&P SCP ETF 464287804 2 20 SH   SOLE   0 0 20
ISHARES TR MSCI ACWI ETF 464288257 1,151 12,094 SH   SOLE   0 0 12,094
ISHARES TR IBOXX HI YD ETF 464288513 45 514 SH   SOLE   0 0 514
ISHARES TR EAFE VALUE ETF 464288877 129 2,539 SH   SOLE   0 0 2,539
ISHARES TR MSCI INTL SML CP 46434V266 139 3,961 SH   SOLE   0 0 3,961
ISHARES TR MSCI USA SML CP 46434V290 218 4,163 SH   SOLE   0 0 4,163
ISHARES TR MSCI GBL MULTIFC 46434V316 1,247 34,196 SH   SOLE   0 0 34,196
ISHARES TR MSCI INTL QUALTY 46434V456 176 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787 297 11,923 SH   SOLE   0 0 11,923
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 184 3,023 SH   SOLE   0 0 3,023
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 126 2,225 SH   SOLE   0 0 2,225
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 0 3 SH   SOLE   0 0 3
J P MORGAN EXCHANGE-TRADED F INTL BD OPP ETF 46641Q852 112 2,186 SH   SOLE   0 0 2,186
JOHNSON & JOHNSON COM 478160104 298 1,815 SH   SOLE   0 0 1,815
JPMORGAN CHASE & CO COM 46625H100 237 1,558 SH   SOLE   0 0 1,558
LAKELAND FINL CORP COM 511656100 587 8,479 SH   SOLE   0 0 8,479
LILLY ELI & CO COM 532457108 1,082 5,789 SH   SOLE   0 0 5,789
LINCOLN NATL CORP IND COM 534187109 384 6,170 SH   SOLE   0 0 6,170
MICROSOFT CORP COM 594918104 796 3,375 SH   SOLE   0 0 3,375
PEPSICO INC COM 713448108 207 1,467 SH   SOLE   0 0 1,467
PIMCO CORPORATE & INCOME OPP COM 72201B101 2,837 155,293 SH   SOLE   0 0 155,293
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 202 1,983 SH   SOLE   0 0 1,983
RAYTHEON TECHNOLOGIES CORP COM 75513E101 260 3,368 SH   SOLE   0 0 3,368
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 37,573 388,516 SH   SOLE   0 0 388,516
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 267 2,054 SH   SOLE   0 0 2,054
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 191 2,620 SH   SOLE   0 0 2,620
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 180 3,193 SH   SOLE   0 0 3,193
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 9 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 161 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 232 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506 346 7,056 SH   SOLE   0 0 7,056
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 47 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 42 426 SH   SOLE   0 0 426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 67 908 SH   SOLE   0 0 908
SPDR S&P 500 ETF TR TR UNIT 78462F103 677 1,709 SH   SOLE   0 0 1,709
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 248 5,151 SH   SOLE   0 0 5,151
TCF FINL CORP COM 872307103 413 8,897 SH   SOLE   0 0 8,897
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 0 1 SH   SOLE   0 0 1
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,838 115,332 SH   SOLE   0 0 115,332
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,804 28,824 SH   SOLE   0 0 28,824
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2 30 SH   SOLE   0 0 30
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 45 710 SH   SOLE   0 0 710
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 214 1,609 SH   SOLE   0 0 1,609
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 390 2,651 SH   SOLE   0 0 2,651
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,289 52,450 SH   SOLE   0 0 52,450
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 59 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 157 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 248 693 SH   SOLE   0 0 693
WALMART INC COM 931142103 235 1,731 SH   SOLE   0 0 1,731
ZIMMER BIOMET HOLDINGS INC COM 98956P102 262 1,637 SH   SOLE   0 0 1,637