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 243 74 SH   SOLE   0 0 74
APPLE INC COM 037833100 1,442 10,194 SH   SOLE   0 0 10,194
AUTOMATIC DATA PROCESSING IN COM 053015103 265 1,325 SH   SOLE   0 0 1,325
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,896 174,908 SH   SOLE   0 0 174,908
CISCO SYS INC COM 17275R102 237 4,360 SH   SOLE   0 0 4,360
DOW INC COM 260557103 30,610 531,791 SH   SOLE   0 0 531,791
DUPONT DE NEMOURS INC COM 26614N102 21,168 311,333 SH   SOLE   0 0 311,333
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109 209 52,649 SH   SOLE   0 0 52,649
GENERAL ELECTRIC CO COM NEW 369604301 321 3,115 SH   SOLE   0 0 3,115
HUNTINGTON BANCSHARES INC COM 446150104 413 26,715 SH   SOLE   0 0 26,715
INTEL CORP COM 458140100 240 4,499 SH   SOLE   0 0 4,499
INVESCO QQQ TR UNIT SER 1 46090E103 368 1,028 SH   SOLE   0 0 1,028
ISHARES INC MSCI GBL MIN VOL 464286525 618 6,017 SH   SOLE   0 0 6,017
ISHARES INC CORE MSCI EMKT 46434G103 2 35 SH   SOLE   0 0 35
ISHARES INC MSCI EMRG CHN 46434G764 262 4,319 SH   SOLE   0 0 4,319
ISHARES INC MSCI EMERG MKT 46434G889 363 7,037 SH   SOLE   0 0 7,037
ISHARES TR CORE S&P TTL STK 464287150 255 2,592 SH   SOLE   0 0 2,592
ISHARES TR CHINA LG-CAP ETF 464287184 39 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 25,079 218,400 SH   SOLE   0 0 218,400
ISHARES TR IBOXX INV CP ETF 464287242 57 425 SH   SOLE   0 0 425
ISHARES TR S&P 500 GRWT ETF 464287309 158 2,133 SH   SOLE   0 0 2,133
ISHARES TR 20 YR TR BD ETF 464287432 173 1,199 SH   SOLE   0 0 1,199
ISHARES TR BARCLAYS 7 10 YR 464287440 26 228 SH   SOLE   0 0 228
ISHARES TR RUS MDCP VAL ETF 464287473 55 483 SH   SOLE   0 0 483
ISHARES TR RUS MD CP GR ETF 464287481 76 678 SH   SOLE   0 0 678
ISHARES TR RUS MID CAP ETF 464287499 7 87 SH   SOLE   0 0 87
ISHARES TR CORE S&P MCP ETF 464287507 110 417 SH   SOLE   0 0 417
ISHARES TR ISHARES BIOTECH 464287556 21 127 SH   SOLE   0 0 127
ISHARES TR US CONSUM DISCRE 464287580 35 452 SH   SOLE   0 0 452
ISHARES TR RUS 1000 VAL ETF 464287598 24 153 SH   SOLE   0 0 153
ISHARES TR RUS 1000 GRW ETF 464287614 111 404 SH   SOLE   0 0 404
ISHARES TR RUS 1000 ETF 464287622 42 173 SH   SOLE   0 0 173
ISHARES TR RUS 2000 GRW ETF 464287648 41 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 50 228 SH   SOLE   0 0 228
ISHARES TR CORE S&P US VLU 464287663 632 8,919 SH   SOLE   0 0 8,919
ISHARES TR CORE S&P US GWT 464287671 117 1,141 SH   SOLE   0 0 1,141
ISHARES TR U.S. ENERGY ETF 464287796 33 1,154 SH   SOLE   0 0 1,154
ISHARES TR CORE S&P SCP ETF 464287804 64 586 SH   SOLE   0 0 586
ISHARES TR MSCI ACWI EX US 464288240 9 154 SH   SOLE   0 0 154
ISHARES TR MSCI ACWI ETF 464288257 1,208 12,094 SH   SOLE   0 0 12,094
ISHARES TR IBOXX HI YD ETF 464288513 45 514 SH   SOLE   0 0 514
ISHARES TR MBS ETF 464288588 85 784 SH   SOLE   0 0 784
ISHARES TR USD INV GRDE ETF 464288620 4 65 SH   SOLE   0 0 65
ISHARES TR EAFE VALUE ETF 464288877 103 2,024 SH   SOLE   0 0 2,024
ISHARES TR EAFE GRWTH ETF 464288885 2 19 SH   SOLE   0 0 19
ISHARES TR MSCI USA QLT FCT 46432F339 251 1,903 SH   SOLE   0 0 1,903
ISHARES TR CORE MSCI EAFE 46432F842 116 1,563 SH   SOLE   0 0 1,563
ISHARES TR MSCI INTL SML CP 46434V266 135 3,711 SH   SOLE   0 0 3,711
ISHARES TR MSCI USA SML CP 46434V290 218 4,063 SH   SOLE   0 0 4,063
ISHARES TR MSCI GBL MULTIFC 46434V316 1,696 45,946 SH   SOLE   0 0 45,946
ISHARES TR MSCI INTL QUALTY 46434V456 183 4,826 SH   SOLE   0 0 4,826
ISHARES TR CORE DIV GRWTH 46434V621 12 238 SH   SOLE   0 0 238
ISHARES TR CORE MSCI PAC 46434V696 85 1,273 SH   SOLE   0 0 1,273
ISHARES TR YLD OPTIM BD 46434V787 312 12,421 SH   SOLE   0 0 12,421
ISHARES TR IBONDS DEC23 ETF 46434VAX8 8 314 SH   SOLE   0 0 314
ISHARES TR IBONDS DEC22 ETF 46434VBA7 8 317 SH   SOLE   0 0 317
ISHARES TR IBONDS DEC25 ETF 46434VBD1 8 291 SH   SOLE   0 0 291
ISHARES TR IBONDS DEC24 ETF 46434VBG4 8 322 SH   SOLE   0 0 322
ISHARES TR IBONDS DEC21 ETF 46434VBK5 8 320 SH   SOLE   0 0 320
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 179 2,973 SH   SOLE   0 0 2,973
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 122 2,125 SH   SOLE   0 0 2,125
J P MORGAN EXCHANGE-TRADED F US MOMENTUM 46641Q779 114 2,606 SH   SOLE   0 0 2,606
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 238 4,627 SH   SOLE   0 0 4,627
JOHNSON & JOHNSON COM 478160104 516 3,198 SH   SOLE   0 0 3,198
JPMORGAN CHASE & CO COM 46625H100 305 1,863 SH   SOLE   0 0 1,863
LAKELAND FINL CORP COM 511656100 391 5,482 SH   SOLE   0 0 5,482
LILLY ELI & CO COM 532457108 1,705 7,378 SH   SOLE   0 0 7,378
LINCOLN NATL CORP IND COM 534187109 424 6,170 SH   SOLE   0 0 6,170
MICROSOFT CORP COM 594918104 924 3,279 SH   SOLE   0 0 3,279
PEPSICO INC COM 713448108 431 2,867 SH   SOLE   0 0 2,867
PFIZER INC COM 717081103 276 6,429 SH   SOLE   0 0 6,429
PIMCO CORPORATE & INCOME OPP COM 72201B101 3,065 167,551 SH   SOLE   0 0 167,551
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 318 3,123 SH   SOLE   0 0 3,123
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 34,709 334,194 SH   SOLE   0 0 334,194
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 304 2,054 SH   SOLE   0 0 2,054
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 45 1,477 SH   SOLE   0 0 1,477
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 195 2,620 SH   SOLE   0 0 2,620
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 378 6,674 SH   SOLE   0 0 6,674
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 36 457 SH   SOLE   0 0 457
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 176 1,383 SH   SOLE   0 0 1,383
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 247 1,379 SH   SOLE   0 0 1,379
SELECT SECTOR SPDR TR ENERGY 81369Y506 330 6,331 SH   SOLE   0 0 6,331
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 44 1,168 SH   SOLE   0 0 1,168
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 69 706 SH   SOLE   0 0 706
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 73 908 SH   SOLE   0 0 908
SPDR S&P 500 ETF TR TR UNIT 78462F103 747 1,740 SH   SOLE   0 0 1,740
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 21 54 SH   SOLE   0 0 54
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15 111 SH   SOLE   0 0 111
VANGUARD INDEX FDS SM CP VAL ETF 922908611 30 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS MID CAP ETF 922908629 22 93 SH   SOLE   0 0 93
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 108 591 SH   SOLE   0 0 591
VANGUARD INDEX FDS SMALL CP ETF 922908751 19 89 SH   SOLE   0 0 89
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,937 112,299 SH   SOLE   0 0 112,299
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 70 521 SH   SOLE   0 0 521
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,150 30,929 SH   SOLE   0 0 30,929
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 111 1,698 SH   SOLE   0 0 1,698
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 59 959 SH   SOLE   0 0 959
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 2 18 SH   SOLE   0 0 18
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 2 29 SH   SOLE   0 0 29
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 221 3,218 SH   SOLE   0 0 3,218
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 4 75 SH   SOLE   0 0 75
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 1 9 SH   SOLE   0 0 9
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 87 922 SH   SOLE   0 0 922
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 396 2,576 SH   SOLE   0 0 2,576
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,881 29,729 SH   SOLE   0 0 29,729
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 65 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 156 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 314 782 SH   SOLE   0 0 782
WALMART INC COM 931142103 252 1,807 SH   SOLE   0 0 1,807
ZIMMER BIOMET HOLDINGS INC COM 98956P102 247 1,687 SH   SOLE   0 0 1,687