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
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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
ALPHABET INC CAP STK CL C 02079K107   3,572,365 29,531 SH   SOLE 0 0 0 29,531
AMAZON COM INC COM 023135106   4,105,297 31,492 SH   SOLE 0 0 0 31,492
APPLE INC COM 037833100   4,609,720 23,765 SH   SOLE 0 0 0 23,765
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,583,228 10,508 SH   SOLE 0 0 0 10,508
BP PLC SPONSORED ADR 055622104   317,610 9,000 SH   SOLE 0 0 0 9,000
CAPITAL ONE FINL CORP COM 14040H105   1,702,782 15,569 SH   SOLE 0 0 0 15,569
CHEVRON CORP NEW COM 166764100   314,398 1,998 SH   SOLE 0 0 0 1,998
COCA COLA CO COM 191216100   294,837 4,896 SH   SOLE 0 0 0 4,896
CSX CORP COM 126408103   373,463 10,952 SH   SOLE 0 0 0 10,952
DEERE & CO COM 244199105   207,736 513 SH   SOLE 0 0 0 513
EXXON MOBIL CORP COM 30231G102   2,878,404 26,838 SH   SOLE 0 0 0 26,838
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   427,084 8,427 SH   SOLE 0 0 0 8,427
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   11,862,208 550,706 SH   SOLE 0 0 0 550,706
FORD MTR CO DEL COM 345370860   2,592,191 171,328 SH   SOLE 0 0 0 171,328
GRANITESHARES GOLD TR SHS BEN INT 38748G101   801,195 42,146 SH   SOLE 0 0 0 42,146
HCA HEALTHCARE INC COM 40412C101   2,710,168 8,930 SH   SOLE 0 0 0 8,930
HUNTINGTON BANCSHARES INC COM 446150104   226,035 20,968 SH   SOLE 0 0 0 20,968
ISHARES INC JP MORGAN EM ETF 464286517   7,933,703 214,309 SH   SOLE 0 0 0 214,309
ISHARES INC CORE MSCI EMKT 46434G103   255,147 5,176 SH   SOLE 0 0 0 5,176
ISHARES TR CORE US AGGBD ET 464287226   956,141 9,762 SH   SOLE 0 0 0 9,762
ISHARES TR AGGRES ALLOC ETF 464289859   370,708 5,588 SH   SOLE 0 0 0 5,588
ISHARES TR NATIONAL MUN ETF 464288414   547,952 5,134 SH   SOLE 0 0 0 5,134
ISHARES TR SHRT NAT MUN ETF 464288158   1,109,325 10,662 SH   SOLE 0 0 0 10,662
ISHARES TR CORE S&P MCP ETF 464287507   3,416,375 13,066 SH   SOLE 0 0 0 13,066
ISHARES TR CORE S&P500 ETF 464287200   367,680 825 SH   SOLE 0 0 0 825
ISHARES TR 0-5YR HI YL CP 46434V407   15,755,625 380,112 SH   SOLE 0 0 0 380,112
ISHARES TR MSCI INTL QUALTY 46434V456   35,297,945 991,515 SH   SOLE 0 0 0 991,515
ISHARES TR INTERNATIONAL SL 46434V266   5,813,387 188,440 SH   SOLE 0 0 0 188,440
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   254,515 5,067 SH   SOLE 0 0 0 5,067
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   320,094 6,384 SH   SOLE 0 0 0 6,384
JPMORGAN CHASE & CO COM 46625H100   2,741,879 18,852 SH   SOLE 0 0 0 18,852
KLA CORP COM NEW 482480100   2,418,517 4,986 SH   SOLE 0 0 0 4,986
LOWES COS INC COM 548661107   2,274,370 10,077 SH   SOLE 0 0 0 10,077
MCDONALDS CORP COM 580135101   630,540 2,113 SH   SOLE 0 0 0 2,113
MERCK & CO INC COM 58933Y105   519,024 4,498 SH   SOLE 0 0 0 4,498
MICROSOFT CORP COM 594918104   2,614,227 7,677 SH   SOLE 0 0 0 7,677
NEXTERA ENERGY INC COM 65339F101   396,095 5,338 SH   SOLE 0 0 0 5,338
NIKE INC CL B 654106103   410,170 3,716 SH   SOLE 0 0 0 3,716
PEPSICO INC COM 713448108   2,111,719 11,401 SH   SOLE 0 0 0 11,401
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,425,060 24,309 SH   SOLE 0 0 0 24,309
PROCTER AND GAMBLE CO COM 742718109   2,537,330 16,722 SH   SOLE 0 0 0 16,722
PROGRESSIVE CORP COM 743315103   2,584,557 19,525 SH   SOLE 0 0 0 19,525
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   17,224,695 299,196 SH   SOLE 0 0 0 299,196
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,604,189 23,911 SH   SOLE 0 0 0 23,911
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   457,195 9,672 SH   SOLE 0 0 0 9,672
SCHWAB STRATEGIC TR US TIPS ETF 808524870   331,829 6,329 SH   SOLE 0 0 0 6,329
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   1,828,134 34,815 SH   SOLE 0 0 0 34,815
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   340,791 10,473 SH   SOLE 0 0 0 10,473
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   18,314,240 532,700 SH   SOLE 0 0 0 532,700
SPDR S&P 500 ETF TR TR UNIT 78462F103   320,048 722 SH   SOLE 0 0 0 722
SPDR SER TR NUVEEN BLMBRG SH 78468R739   692,106 14,710 SH   SOLE 0 0 0 14,710
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,477,677 71,176 SH   SOLE 0 0 0 71,176
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,578,390 149,999 SH   SOLE 0 0 0 149,999
SPDR SER TR BLOOMBERG EMERGI 78464A391   381,285 18,019 SH   SOLE 0 0 0 18,019
SPDR SER TR PORTFOLI S&P1500 78464A805   48,708,644 894,722 SH   SOLE 0 0 0 894,722
SPDR SER TR BLOOMBERG SHT TE 78468R408   490,246 19,848 SH   SOLE 0 0 0 19,848
SPDR SER TR NUVEEN BLOOMBERG 78464A284   379,227 15,163 SH   SOLE 0 0 0 15,163
SPDR SER TR PORTFOLIO AGRGTE 78464A649   16,011,828 631,132 SH   SOLE 0 0 0 631,132
SPDR SER TR PORTFOLIO S&P400 78464A847   17,888,090 389,804 SH   SOLE 0 0 0 389,804
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   291,676 7,193 SH   SOLE 0 0 0 7,193
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   217,025 4,673 SH   SOLE 0 0 0 4,673
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,171,360 22,816 SH   SOLE 0 0 0 22,816
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,087,054 13,239 SH   SOLE 0 0 0 13,239
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   724,243 9,963 SH   SOLE 0 0 0 9,963
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,306,801 10,472 SH   SOLE 0 0 0 10,472
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,466,027 85,202 SH   SOLE 0 0 0 85,202
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,443,721 28,748 SH   SOLE 0 0 0 28,748
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,084,679 146,506 SH   SOLE 0 0 0 146,506
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,278,493 27,685 SH   SOLE 0 0 0 27,685
VERIZON COMMUNICATIONS INC COM 92343V104   3,050,821 82,033 SH   SOLE 0 0 0 82,033
WALMART INC COM 931142103   274,593 1,747 SH   SOLE 0 0 0 1,747
WASTE MGMT INC DEL COM 94106L109   332,262 1,916 SH   SOLE 0 0 0 1,916
WORLD GOLD TR SPDR GLD MINIS 98149E303   9,156,683 240,396 SH   SOLE 0 0 0 240,396