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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   254,075 1,572 SH   SOLE   0 0 1,572
AON PLC SHS CL A G0403H108   300,140 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100   1,422,963 10,952 SH   SOLE   0 0 10,952
AUTOMATIC DATA PROCESSING IN COM 053015103   264,896 1,109 SH   SOLE   0 0 1,109
BLACKROCK CORE BD TR SHS BEN INT 09249E101   1,815,545 174,908 SH   SOLE   0 0 174,908
CHEVRON CORP NEW COM 166764100   428,858 2,389 SH   SOLE   0 0 2,389
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   136,475,941 5,450,317 SH   SOLE   0 0 5,450,317
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   51,888 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   12,992 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   29,931 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   55,652 2,490 SH   SOLE   0 0 2,490
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   18,726 616 SH   SOLE   0 0 616
DOW INC COM 260557103   26,826,477 532,377 SH   SOLE   0 0 532,377
DUPONT DE NEMOURS INC COM 26614N102   5,284,922 77,006 SH   SOLE   0 0 77,006
EXXON MOBIL CORP COM 30231G102   366,096 3,319 SH   SOLE   0 0 3,319
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   258,683 84,537 SH   SOLE   0 0 84,537
GABELLI EQUITY TR INC COM 362397101   60,421 11,026 SH   SOLE   0 0 11,026
GENERAL ELECTRIC CO COM NEW 369604301   215,279 2,569 SH   SOLE   0 0 2,569
HUNTINGTON BANCSHARES INC COM 446150104   376,682 26,715 SH   SOLE   0 0 26,715
ISHARES INC MSCI WORLD ETF 464286392   874 8 SH   SOLE   0 0 8
ISHARES INC MSCI GBL MIN VOL 464286525   1,926,435 20,274 SH   SOLE   0 0 20,274
ISHARES INC CORE MSCI EMKT 46434G103   442,623 9,478 SH   SOLE   0 0 9,478
ISHARES INC MSCI EMERG MKT 46434G889   16,334 398 SH   SOLE   0 0 398
ISHARES TR CORE S&P TTL STK 464287150   91,584 1,080 SH   SOLE   0 0 1,080
ISHARES TR CORE US AGGBD ET 464287226   24,372,423 251,288 SH   SOLE   0 0 251,288
ISHARES TR IBOXX INV CP ETF 464287242   715,764 6,789 SH   SOLE   0 0 6,789
ISHARES TR S&P 500 GRWT ETF 464287309   327,483 5,598 SH   SOLE   0 0 5,598
ISHARES TR 20 YR TR BD ETF 464287432   214,253 2,152 SH   SOLE   0 0 2,152
ISHARES TR 7-10 YR TRSY BD 464287440   862 9 SH   SOLE   0 0 9
ISHARES TR RUS MDCP VAL ETF 464287473   76,374 725 SH   SOLE   0 0 725
ISHARES TR RUS MD CP GR ETF 464287481   56,276 673 SH   SOLE   0 0 673
ISHARES TR RUS MID CAP ETF 464287499   4,279 63 SH   SOLE   0 0 63
ISHARES TR CORE S&P MCP ETF 464287507   242 1 SH   SOLE   0 0 1
ISHARES TR ISHARES BIOTECH 464287556   31,116 237 SH   SOLE   0 0 237
ISHARES TR RUS 1000 GRW ETF 464287614   63,418 296 SH   SOLE   0 0 296
ISHARES TR RUS 1000 ETF 464287622   36,977 176 SH   SOLE   0 0 176
ISHARES TR RUS 2000 GRW ETF 464287648   29,827 139 SH   SOLE   0 0 139
ISHARES TR RUSSELL 2000 ETF 464287655   39,802 228 SH   SOLE   0 0 228
ISHARES TR CORE S&P US VLU 464287663   511,291 7,239 SH   SOLE   0 0 7,239
ISHARES TR U.S. REAL ES ETF 464287739   5,472 65 SH   SOLE   0 0 65
ISHARES TR CORE S&P SCP ETF 464287804   63,987 676 SH   SOLE   0 0 676
ISHARES TR US CONSM STAPLES 464287812   84,771 418 SH   SOLE   0 0 418
ISHARES TR SP SMCP600VL ETF 464287879   417,835 4,576 SH   SOLE   0 0 4,576
ISHARES TR MSCI ACWI EX US 464288240   7,320 161 SH   SOLE   0 0 161
ISHARES TR MSCI ACWI ETF 464288257   2,279,877 26,860 SH   SOLE   0 0 26,860
ISHARES TR JPMORGAN USD EMG 464288281   2,284 27 SH   SOLE   0 0 27
ISHARES TR IBOXX HI YD ETF 464288513   27,317 371 SH   SOLE   0 0 371
ISHARES TR US HOME CONS ETF 464288752   4,727 78 SH   SOLE   0 0 78
ISHARES TR EAFE VALUE ETF 464288877   21,793 475 SH   SOLE   0 0 475
ISHARES TR MSCI USA QLT FCT 46432F339   170,256 1,494 SH   SOLE   0 0 1,494
ISHARES TR CORE MSCI TOTAL 46432F834   5,788 100 SH   SOLE   0 0 100
ISHARES TR CORE MSCI EAFE 46432F842   27,861 452 SH   SOLE   0 0 452
ISHARES TR MSCI INTL SML CP 46434V266   275,610 9,187 SH   SOLE   0 0 9,187
ISHARES TR MSCI USA SML CP 46434V290   216,716 4,364 SH   SOLE   0 0 4,364
ISHARES TR MSCI GBL MULTIFC 46434V316   3,638,141 114,555 SH   SOLE   0 0 114,555
ISHARES TR MSCI INTL QUALTY 46434V456   156,314 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787   378,315 17,451 SH   SOLE   0 0 17,451
ISHARES TR ESG AWR MSCI USA 46435G425   468,498 5,528 SH   SOLE   0 0 5,528
ISHARES TR MSCI USA SMCP MN 46435G433   1,799 52 SH   SOLE   0 0 52
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   137,294 2,786 SH   SOLE   0 0 2,786
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   397,277 8,060 SH   SOLE   0 0 8,060
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   50 1 SH   SOLE   0 0 1
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   513,018 11,157 SH   SOLE   0 0 11,157
JOHNSON & JOHNSON COM 478160104   462,404 2,618 SH   SOLE   0 0 2,618
JPMORGAN CHASE & CO COM 46625H100   301,762 2,250 SH   SOLE   0 0 2,250
LAKELAND FINL CORP COM 511656100   368,790 5,054 SH   SOLE   0 0 5,054
LILLY ELI & CO COM 532457108   2,130,262 5,823 SH   SOLE   0 0 5,823
MICROSOFT CORP COM 594918104   758,324 3,162 SH   SOLE   0 0 3,162
PEPSICO INC COM 713448108   295,173 1,634 SH   SOLE   0 0 1,634
PFIZER INC COM 717081103   223,609 4,364 SH   SOLE   0 0 4,364
PIMCO CORPORATE & INCOME OPP COM 72201B101   2,125,530 176,980 SH   SOLE   0 0 176,980
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   534,548 5,671 SH   SOLE   0 0 5,671
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   563,686 5,714 SH   SOLE   0 0 5,714
RPM INTL INC COM 749685103   8,582,811 88,074 SH   SOLE   0 0 88,074
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   24,488,665 546,500 SH   SOLE   0 0 546,500
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   115,398 2,077 SH   SOLE   0 0 2,077
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   136,501 1,807 SH   SOLE   0 0 1,807
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   792,652 16,101 SH   SOLE   0 0 16,101
SCHWAB STRATEGIC TR US TIPS ETF 808524870   26,465 511 SH   SOLE   0 0 511
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   8,622 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   273,466 2,013 SH   SOLE   0 0 2,013
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   238,817 1,849 SH   SOLE   0 0 1,849
SELECT SECTOR SPDR TR ENERGY 81369Y506   517,078 5,911 SH   SOLE   0 0 5,911
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   58,208 1,702 SH   SOLE   0 0 1,702
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   41,837 426 SH   SOLE   0 0 426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   43,575 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107   255,987 1,509 SH   SOLE   0 0 1,509
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   1,458,267 15,541 SH   SOLE   0 0 15,541
SPDR S&P 500 ETF TR TR UNIT 78462F103   737,372 1,928 SH   SOLE   0 0 1,928
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,548,427 38,672 SH   SOLE   0 0 38,672
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   14,374,944 91,531 SH   SOLE   0 0 91,531
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   634,778 8,836 SH   SOLE   0 0 8,836
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   320,437 912 SH   SOLE   0 0 912
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   55,638,475 411,405 SH   SOLE   0 0 411,405
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   43,055 522 SH   SOLE   0 0 522
VANGUARD INDEX FDS SML CP GRW ETF 922908595   10,027 50 SH   SOLE   0 0 50
VANGUARD INDEX FDS MID CAP ETF 922908629   133,699 656 SH   SOLE   0 0 656
VANGUARD INDEX FDS GROWTH ETF 922908736   38,360 180 SH   SOLE   0 0 180
VANGUARD INDEX FDS VALUE ETF 922908744   56,148 400 SH   SOLE   0 0 400
VANGUARD INDEX FDS SMALL CP ETF 922908751   13,766 75 SH   SOLE   0 0 75
VANGUARD INDEX FDS TOTAL STK MKT 922908769   25,382,193 132,759 SH   SOLE   0 0 132,759
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   24,058 234 SH   SOLE   0 0 234
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,538,186 41,051 SH   SOLE   0 0 41,051
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   35,715 916 SH   SOLE   0 0 916
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   18,572 335 SH   SOLE   0 0 335
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   526,464 3,467 SH   SOLE   0 0 3,467
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,537,584 29,729 SH   SOLE   0 0 29,729
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   627,727 14,957 SH   SOLE   0 0 14,957
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   40,996 214 SH   SOLE   0 0 214
VANGUARD WORLD FDS ENERGY ETF 92204A306   7,034 58 SH   SOLE   0 0 58
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   58,159 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   21,490 87 SH   SOLE   0 0 87
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   226,656 1,241 SH   SOLE   0 0 1,241
VANGUARD WORLD FDS INF TECH ETF 92204A702   380,417 1,191 SH   SOLE   0 0 1,191
VANGUARD WORLD FDS MATERIALS ETF 92204A801   5,446 32 SH   SOLE   0 0 32
WALMART INC COM 931142103   218,894 1,544 SH   SOLE   0 0 1,544
WISDOMTREE TR EMERGING MKT EXC 97717Y535   150,652 6,088 SH   SOLE   0 0 6,088
WISDOMTREE TR INTERNATIONL EFI 97717Y634   56,439,677 1,778,748 SH   SOLE   0 0 1,778,748
WISDOMTREE TR US EFFICIENT COR 97717Y790   25,668 791 SH   SOLE   0 0 791
ZIMMER BIOMET HOLDINGS INC COM 98956P102   208,923 1,639 SH   SOLE   0 0 1,639