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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 298 223 SH   SOLE NONE 0 0 223
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 203 152 SH   SOLE NONE 0 0 152
AMAZON.COM INC COM 023135106 1,010 547 SH   SOLE NONE 0 0 547
APPLE INC COM USD0.00001 COM 037833100 5,004 17,040 SH   SOLE NONE 0 0 17,040
AT&T INC COM USD1 COM 00206R102 887 22,709 SH   SOLE NONE 0 0 22,709
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B CL B NEW 084670702 812 3,589 SH   SOLE NONE 0 0 3,589
CEDAR FAIR L P DEPOSITRY UNIT DEPOSITRY UNIT 150185106 270 4,874 SH   SOLE NONE 0 0 4,874
CINTAS CORP COM 172908105 252 937 SH   SOLE NONE 0 0 937
CROWN CASTLE INTL CORP NEW COM ISIN #US22822V1017 SEDOL #BTGQCX1 COM 22822V101 374 2,636 SH   SOLE NONE 0 0 2,636
DISNEY WALT CO COM DISNEY 254687106 401 2,773 SH   SOLE NONE 0 0 2,773
FACEBOOK INC-CLASS A CL A 30303M102 257 1,255 SH   SOLE NONE 0 0 1,255
FIDELITY CORPORATE BOND ETF CORP BOND ETF 316188101 6,582 124,165 SH   SOLE NONE 0 0 124,165
FIDELITY HIGH DIVIDEND ETF HIGH DIVID ETF 316092840 3,594 110,742 SH   SOLE NONE 0 0 110,742
FIDELITY LOW DURATION BOND FACTOR ETF LOW DURTIN ETF 316188408 3,314 65,439 SH   SOLE NONE 0 0 65,439
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 5,990 82,664 SH   SOLE NONE 0 0 82,664
FIDELITY MSCI UTILS INDEX ETF MSCI UTILS INDEX 316092865 1,615 38,191 SH   SOLE NONE 0 0 38,191
FIDELITY NASDAQ COMPOSITE INDEX TRACKING STOCK NDQ CP IDX TRK 315912808 3,495 9,998 SH   SOLE NONE 0 0 9,998
FIDELITY QUALITY FACTOR ETF QLTY FCTOR ETF 316092790 5,575 147,908 SH   SOLE NONE 0 0 147,908
FIRST TR EXCHANGE TRADED FD DOW JONES INTERNET INDEX FD DJ INTERNT IDX 33733E302 520 3,738 SH   SOLE NONE 0 0 3,738
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2020 HY BULSHS 2020 HY 46138J601 229 9,597 SH   SOLE NONE 0 0 9,597
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 CB BULSHS 2021 CB 46138J700 620 29,226 SH   SOLE NONE 0 0 29,226
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2021 HY BULSHS 2021 HY 46138J809 523 21,197 SH   SOLE NONE 0 0 21,197
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 CB BULSHS 2022 CB 46138J882 542 25,219 SH   SOLE NONE 0 0 25,219
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2022 HY BULSHS 2022 HY 46138J874 423 17,323 SH   SOLE NONE 0 0 17,323
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 CB BULSHS 2023 CB 46138J866 473 22,242 SH   SOLE NONE 0 0 22,242
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2023 HY BULSHS 2023 HY 46138J858 321 12,281 SH   SOLE NONE 0 0 12,281
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 CB BULSHS 2024 CB 46138J841 420 19,595 SH   SOLE NONE 0 0 19,595
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2024 HY BULSHS 2024 HY 46138J833 338 13,278 SH   SOLE NONE 0 0 13,278
INVESCO EXCH TRD SLF IDX FD TR BULSHS 2025 CB BULSHS 2025 CB 46138J825 307 14,315 SH   SOLE NONE 0 0 14,315
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 19,807 61,277 SH   SOLE NONE 0 0 61,277
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 1,904 9,255 SH   SOLE NONE 0 0 9,255
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 2,341 27,921 SH   SOLE NONE 0 0 27,921
ISHARES CORE S&P TOTAL US STOCK MARKET ETF CORE S&P TTL STK 464287150 11,418 157,108 SH   SOLE NONE 0 0 157,108
ISHARES EDGE MSCI MIN VOL USA ETF MSCI MIN VOL ETF 46429B697 19,861 302,781 SH   SOLE NONE 0 0 302,781
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 7,982 148,513 SH   SOLE NONE 0 0 148,513
ISHARES TR 20 YR TR BD ETF 20 YR TR BD ETF 464287432 2,002 14,780 SH   SOLE NONE 0 0 14,780
ISHARES TR INTRM TR CRP ETF INTRM TR CRP ETF 464288638 5,296 91,365 SH   SOLE NONE 0 0 91,365
ISHARES TR JP MOR EM MK ETF JPMORGAN USD EMG 464288281 3,870 33,789 SH   SOLE NONE 0 0 33,789
ISHARES TR LNG TR CRPRT BD LNG TR CRPRT BD 464289511 5,272 79,083 SH   SOLE NONE 0 0 79,083
ISHARES TR MBS ETF MBS ETF 464288588 5,893 54,543 SH   SOLE NONE 0 0 54,543
ISHARES TR PFD AND INCM SEC PFD AND INCM SEC 464288687 2,144 57,052 SH   SOLE NONE 0 0 57,052
ISHARES TR US TREAS BD ETF US TREAS BD ETF 46429B267 18,184 701,031 SH   SOLE NONE 0 0 701,031
ISHARES TRUST CORE DIVID GWTH CORE DIV GRWTH 46434V621 3,588 85,303 SH   SOLE NONE 0 0 85,303
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 14,960 229,319 SH   SOLE NONE 0 0 229,319
JOHNSON &JOHNSON COM USD1.00 COM 478160104 464 3,185 SH   SOLE NONE 0 0 3,185
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 659 4,728 SH   SOLE NONE 0 0 4,728
KELLOGG COMPANY COM USD0.25 COM 487836108 226 3,277 SH   SOLE NONE 0 0 3,277
MCDONALDS CORP COM 580135101 499 2,525 SH   SOLE NONE 0 0 2,525
MERCK & CO INC NEW COM COM 58933Y105 279 3,068 SH   SOLE NONE 0 0 3,068
MICROSOFT CORP COM 594918104 787 4,993 SH   SOLE NONE 0 0 4,993
NETFLIX COM INC COM COM 64110L106 310 959 SH   SOLE NONE 0 0 959
PAYPAL HLDGS INC COM COM 70450Y103 373 3,457 SH   SOLE NONE 0 0 3,457
PENNEY J C CORP INC COM COM 708160106 34 31,000 SH   SOLE NONE 0 0 31,000
PFIZER INC COM 717081103 210 5,365 SH   SOLE NONE 0 0 5,365
PROCTER & GAMBLE CO COM COM 742718109 710 5,689 SH   SOLE NONE 0 0 5,689
PROGRESSIVE CORP OHIO COM USD 1.00 COM 743315103 346 4,790 SH   SOLE NONE 0 0 4,790
ROYAL DUTCH SHELL ADR EA REP 2 CL A EUR0.07 SPONS ADR A 780259206 220 3,742 SH   SOLE NONE 0 0 3,742
SPROTT PHYSICAL GOLD TRUST UNIT ISIN #CA85207H1047 SEDOL #BYVW239 UNIT 85207H104 226 18,615 SH   SOLE NONE 0 0 18,615
STARBUCKS CORP COM USD0.001 COM 855244109 487 5,545 SH   SOLE NONE 0 0 5,545
TESLA INC COM COM 88160R101 268 641 SH   SOLE NONE 0 0 641
UNITEDHEALTH GROUP COM 91324P102 773 2,632 SH   SOLE NONE 0 0 2,632
VERIZON COMMUNICATIONS COM 92343V104 430 7,006 SH   SOLE NONE 0 0 7,006
VISA INC COM CL A COM CL A 92826C839 335 1,787 SH   SOLE NONE 0 0 1,787
VMWARE INC CL A COM CL A COM 928563402 331 2,182 SH   SOLE NONE 0 0 2,182