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 261 76 SH   SOLE   0 0 76
APPLE INC COM 037833100 1,374 10,030 SH   SOLE   0 0 10,030
AUTOMATIC DATA PROCESSING IN COM 053015103 244 1,228 SH   SOLE   0 0 1,228
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,889 174,908 SH   SOLE   0 0 174,908
DOW INC COM 260557103 33,652 531,791 SH   SOLE   0 0 531,791
DUPONT DE NEMOURS INC COM 26614N102 24,100 311,333 SH   SOLE   0 0 311,333
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109 213 52,649 SH   SOLE   0 0 52,649
GABELLI EQUITY TR INC COM 362397101 58 8,335 SH   SOLE   0 0 8,335
GABELLI EQUITY TR INC RIGHT 07/14/2021 362397218 1 8,170 SH   SOLE   0 0 8,170
GENERAL ELECTRIC CO COM 369604103 337 25,044 SH   SOLE   0 0 25,044
HUNTINGTON BANCSHARES INC COM 446150104 381 26,715 SH   SOLE   0 0 26,715
INTEL CORP COM 458140100 253 4,499 SH   SOLE   0 0 4,499
ISHARES INC MSCI GBL MIN VOL 464286525 502 4,878 SH   SOLE   0 0 4,878
ISHARES INC MSCI EMRG CHN 46434G764 262 4,204 SH   SOLE   0 0 4,204
ISHARES INC MSCI EMERG MKT 46434G889 381 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 S&P500 ETF 464287200 53 124 SH   SOLE   0 0 124
ISHARES TR CORE US AGGBD ET 464287226 24,950 216,337 SH   SOLE   0 0 216,337
ISHARES TR MSCI EMG MKT ETF 464287234 42 754 SH   SOLE   0 0 754
ISHARES TR S&P 500 GRWT ETF 464287309 159 2,188 SH   SOLE   0 0 2,188
ISHARES TR 20 YR TR BD ETF 464287432 173 1,199 SH   SOLE   0 0 1,199
ISHARES TR RUS MDCP VAL ETF 464287473 53 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CP GR ETF 464287481 76 668 SH   SOLE   0 0 668
ISHARES TR RUS MID CAP ETF 464287499 2 30 SH   SOLE   0 0 30
ISHARES TR ISHARES BIOTECH 464287556 21 127 SH   SOLE   0 0 127
ISHARES TR U.S. CNSM SV ETF 464287580 50 647 SH   SOLE   0 0 647
ISHARES TR RUS 1000 GRW ETF 464287614 64 234 SH   SOLE   0 0 234
ISHARES TR RUS 1000 ETF 464287622 42 173 SH   SOLE   0 0 173
ISHARES TR RUS 2000 GRW ETF 464287648 43 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 49 215 SH   SOLE   0 0 215
ISHARES TR CORE S&P US VLU 464287663 445 6,181 SH   SOLE   0 0 6,181
ISHARES TR U.S. ENERGY ETF 464287796 34 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 1,224 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 102 1,978 SH   SOLE   0 0 1,978
ISHARES TR MSCI INTL SML CP 46434V266 136 3,711 SH   SOLE   0 0 3,711
ISHARES TR MSCI USA SML CP 46434V290 223 4,063 SH   SOLE   0 0 4,063
ISHARES TR MSCI GBL MULTIFC 46434V316 1,516 39,792 SH   SOLE   0 0 39,792
ISHARES TR MSCI INTL QUALTY 46434V456 186 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787 314 12,421 SH   SOLE   0 0 12,421
ISHARES TR ESG AWR MSCI USA 46435G425 233 2,364 SH   SOLE   0 0 2,364
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 186 2,973 SH   SOLE   0 0 2,973
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 126 2,125 SH   SOLE   0 0 2,125
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 149 2,892 SH   SOLE   0 0 2,892
JOHNSON & JOHNSON COM 478160104 479 2,908 SH   SOLE   0 0 2,908
JPMORGAN CHASE & CO COM 46625H100 242 1,558 SH   SOLE   0 0 1,558
LAKELAND FINL CORP COM 511656100 338 5,482 SH   SOLE   0 0 5,482
LILLY ELI & CO COM 532457108 1,610 7,014 SH   SOLE   0 0 7,014
LINCOLN NATL CORP IND COM 534187109 388 6,170 SH   SOLE   0 0 6,170
MICROSOFT CORP COM 594918104 887 3,273 SH   SOLE   0 0 3,273
PEPSICO INC COM 713448108 412 2,779 SH   SOLE   0 0 2,779
PFIZER INC COM 717081103 218 5,580 SH   SOLE   0 0 5,580
PIMCO CORPORATE & INCOME OPP COM 72201B101 3,316 167,551 SH   SOLE   0 0 167,551
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 247 2,418 SH   SOLE   0 0 2,418
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 36,911 353,996 SH   SOLE   0 0 353,996
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 300 2,054 SH   SOLE   0 0 2,054
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 198 2,620 SH   SOLE   0 0 2,620
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 236 4,151 SH   SOLE   0 0 4,151
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 38 457 SH   SOLE   0 0 457
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 174 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 246 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506 409 7,587 SH   SOLE   0 0 7,587
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 51 1,387 SH   SOLE   0 0 1,387
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 72 706 SH   SOLE   0 0 706
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 74 908 SH   SOLE   0 0 908
SPDR S&P 500 ETF TR TR UNIT 78462F103 732 1,710 SH   SOLE   0 0 1,710
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 249 5,151 SH   SOLE   0 0 5,151
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11 29 SH   SOLE   0 0 29
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 16 111 SH   SOLE   0 0 111
VANGUARD INDEX FDS SM CP VAL ETF 922908611 31 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS MID CAP ETF 922908629 15 64 SH   SOLE   0 0 64
VANGUARD INDEX FDS SMALL CP ETF 922908751 15 66 SH   SOLE   0 0 66
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,713 110,912 SH   SOLE   0 0 110,912
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 29 216 SH   SOLE   0 0 216
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,090 29,826 SH   SOLE   0 0 29,826
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32 583 SH   SOLE   0 0 583
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 48 710 SH   SOLE   0 0 710
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 224 3,218 SH   SOLE   0 0 3,218
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 399 2,576 SH   SOLE   0 0 2,576
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,953 29,729 SH   SOLE   0 0 29,729
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 64 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 163 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 312 782 SH   SOLE   0 0 782
WALMART INC COM 931142103 252 1,788 SH   SOLE   0 0 1,788
ZIMMER BIOMET HOLDINGS INC COM 98956P102 264 1,639 SH   SOLE   0 0 1,639