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
STARBUCKS CORP COM 855244109 330 4,479 SH   SOLE   55 0 4,424
ISHARES TR ULTR SH TRM BD 46434V878 29,650 586,439 SH   SOLE   436,783 0 149,656
DIREXION SHS ETF TR DAILY SM CP BEAR 25460E125 422 19,900 SH   SOLE   19,900 0 0
ISHARES TR NATIONAL MUN ETF 464288414 40,970 355,025 SH   SOLE   223,346 0 131,679
PROCTER AND GAMBLE CO COM 742718109 34,857 291,516 SH   SOLE   114,558 0 176,958
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 508 28,080 SH   SOLE   5 0 28,075
GENERAL ELECTRIC CO COM 369604103 278 40,772 SH   SOLE   6,873 0 33,899
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 41,922 570,603 SH   SOLE   368,869 0 201,734
ISHARES TR USA QUALITY FCTR 46432F339 15,768 164,382 SH   SOLE   113,767 0 50,615
SYSCO CORP COM 871829107 219 4,000 SH   SOLE   0 0 4,000
CINCINNATI FINL CORP COM 172062101 850 13,268 SH   SOLE   8,716 0 4,552
WISDOMTREE TR INTRST RATE HDGE 97717W380 1,146 24,372 SH   SOLE   8,003 0 16,369
WEST PHARMACEUTICAL SVSC INC COM 955306105 201 884 SH   SOLE   0 0 884
PROTO LABS INC COM 743713109 253 2,246 SH   SOLE   0 0 2,246
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 204 9,348 SH   SOLE   1,400 0 7,948
ISHARES TR EDGE MSCI USA VL 46432F388 15,189 210,148 SH   SOLE   146,013 0 64,135
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,594 31,956 SH   SOLE   12,799 0 19,157
ZIMMER BIOMET HOLDINGS INC COM 98956P102 297 2,486 SH   SOLE   1,598 0 888
HEICO CORP NEW COM 422806109 295 2,959 SH   SOLE   0 0 2,959
SPDR SER TR S&P DIVID ETF 78464A763 401 4,392 SH   SOLE   3,806 0 586
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 9,871 461,888 SH   SOLE   389,838 0 72,050
SPDR SER TR BLMBRG BRC CNVRT 78464A359 841 13,893 SH   SOLE   1,025 0 12,868
GRACO INC COM 384109104 209 4,356 SH   SOLE   0 0 4,356
INTEL CORP COM 458140100 3,907 65,303 SH   SOLE   37,675 0 27,628
PHILLIPS 66 COM 718546104 1,423 19,792 SH   SOLE   12,551 0 7,241
RITCHIE BROS AUCTIONEERS COM 767744105 217 5,311 SH   SOLE   0 0 5,311
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,534 65,529 SH   SOLE   40,075 0 25,454
ISHARES TR MSCI MIN VOL ETF 46429B697 15,470 255,159 SH   SOLE   192,170 0 62,989
QUALCOMM INC COM 747525103 521 5,714 SH   SOLE   4,514 0 1,200
CISCO SYS INC COM 17275R102 328 7,029 SH   SOLE   1,296 0 5,733
VALERO ENERGY CORP COM 91913Y100 1,499 25,483 SH   SOLE   17,537 0 7,946
PIMCO ETF TR ACTIVE BD ETF 72201R775 510 4,571 SH   SOLE   4,457 0 114
BRISTOL-MYERS SQUIBB CO COM 110122108 1,030 17,525 SH   SOLE   8,793 0 8,732
VERISK ANALYTICS INC COM 92345Y106 281 1,652 SH   SOLE   0 0 1,652
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 291 5,779 SH   SOLE   5,158 0 621
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 50,997 2,250,547 SH   SOLE   1,576,668 0 673,879
ISHARES TR CORE 1 5 YR USD 46432F859 6,449 125,293 SH   SOLE   56,529 0 68,764
CHEVRON CORP NEW COM 166764100 2,572 28,826 SH   SOLE   17,692 0 11,134
HOME DEPOT INC COM 437076102 388 1,551 SH   SOLE   50 0 1,500
ALPS ETF TR SECTR DIV DOGS 00162Q858 322 8,855 SH   SOLE   5,737 0 3,118
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 72,635 1,291,519 SH   SOLE   871,350 0 420,169
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 15,510 337,389 SH   SOLE   243,022 0 94,367
AMAZON COM INC COM 023135106 1,117 405 SH   SOLE   75 0 330
REGAL BELOIT CORP COM 758750103 415 4,750 SH   SOLE   0 0 4,750
INTERNATIONAL BUSINESS MACHS COM 459200101 1,917 15,873 SH   SOLE   9,983 0 5,890
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 28,086 478,961 SH   SOLE   330,885 0 148,076
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,031 20,749 SH   SOLE   12,430 0 8,319
FORD MTR CO DEL COM 345370860 124 20,394 SH   SOLE   3,499 0 16,895
FIFTH THIRD BANCORP COM 316773100 254 13,196 SH   SOLE   5,856 0 7,340
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 1,992 47,743 SH   SOLE   34,111 0 13,632
DANAHER CORPORATION COM 235851102 268 1,514 SH   SOLE   0 0 1,514
UNITEDHEALTH GROUP INC COM 91324P102 297 1,005 SH   SOLE   10 0 995
SOUTHERN CO COM 842587107 1,522 29,347 SH   SOLE   16,770 0 12,577
MERCK & CO. INC COM 58933Y105 2,786 36,022 SH   SOLE   23,564 0 12,458
WISDOMTREE TR US QTLY DIV GRT 97717X669 2,640 58,033 SH   SOLE   35,871 0 22,162
ISHARES TR RUS 1000 GRW ETF 464287614 271 1,411 SH   SOLE   179 0 1,232
CHEMED CORP NEW COM 16359R103 344 763 SH   SOLE   0 0 763
ALPHABET INC CAP STK CL A 02079K305 434 306 SH   SOLE   3 0 303
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 10,196 479,152 SH   SOLE   400,289 0 78,863
VERIZON COMMUNICATIONS INC COM 92343V104 1,882 34,133 SH   SOLE   21,394 0 12,739
SCHWAB STRATEGIC TR US REIT ETF 808524847 230 6,523 SH   SOLE   5,886 0 637
FIVE BELOW INC COM 33829M101 207 1,934 SH   SOLE   0 0 1,934
NORTHROP GRUMMAN CORP COM 666807102 204 663 SH   SOLE   0 0 663
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,282 84,775 SH   SOLE   59,745 0 25,030
DUKE ENERGY CORP NEW COM NEW 26441C204 508 6,360 SH   SOLE   1,305 0 5,055
ISHARES TR MSCI EAFE ETF 464287465 2,560 42,064 SH   SOLE   24,788 0 17,276
FORD MTR CO DEL COM 345370860 12 2,000 SH Call SOLE   0 0 2,000
SPDR SER TR MSCI USA STRTGIC 78468R812 310 3,505 SH   SOLE   181 0 3,324
GRAND CANYON ED INC COM 38526M106 265 2,924 SH   SOLE   0 0 2,924
TYLER TECHNOLOGIES INC COM 902252105 207 596 SH   SOLE   0 0 596
CINTAS CORP COM 172908105 215 808 SH   SOLE   152 0 656
COLGATE PALMOLIVE CO COM 194162103 235 3,201 SH   SOLE   3,181 0 20
SPROTT PHYSICAL GOLD TR UNIT 85207H104 191 13,361 SH   SOLE   0 0 13,361
WALMART INC COM 931142103 1,671 13,948 SH   SOLE   9,674 0 4,274
PROSHARES TR ULT MSCIBZL CAPP 74347B292 191 10,950 SH   SOLE   10,950 0 0
JPMORGAN CHASE & CO COM 46625H100 2,342 24,904 SH   SOLE   15,992 0 8,912
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,270 143,534 SH   SOLE   115,509 0 28,026
VANGUARD INDEX FDS GROWTH ETF 922908736 349 1,729 SH   SOLE   1,597 0 132
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 455 8,810 SH   SOLE   7,721 0 1,089
EMERSON ELEC CO COM 291011104 4,118 66,382 SH   SOLE   28,871 0 37,510
AMERICAN FINL GROUP INC OHIO COM 025932104 282 4,449 SH   SOLE   0 0 4,449
BLACKROCK INC COM 09247X101 2,655 4,880 SH   SOLE   3,167 0 1,713
PFIZER INC COM 717081103 2,744 83,914 SH   SOLE   47,532 0 36,382
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,744 76,269 SH   SOLE   71,673 0 4,596
JOHNSON & JOHNSON COM 478160104 1,890 13,438 SH   SOLE   7,944 0 5,494
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 31,688 244,712 SH   SOLE   164,651 0 80,061
VISA INC COM CL A 92826C839 484 2,504 SH   SOLE   20 0 2,484
IHS MARKIT LTD SHS G47567105 267 3,536 SH   SOLE   0 0 3,536
CROWN CASTLE INTL CORP NEW COM 22822V101 1,655 9,890 SH   SOLE   6,724 0 3,166
HUMANA INC COM 444859102 220 568 SH   SOLE   468 0 100
KROGER CO COM 501044101 458 13,521 SH   SOLE   12,685 0 836
AIR PRODS & CHEMS INC COM 009158106 2,140 8,861 SH   SOLE   5,938 0 2,923
ROLLINS INC COM 775711104 275 6,478 SH   SOLE   0 0 6,478
SPDR S&P 500 ETF TR TR UNIT 78462F103 821 2,661 SH   SOLE   34 0 2,627
PROSHARES TR S&P 500 DV ARIST 74348A467 303 4,506 SH   SOLE   1,623 0 2,883
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,164 273,700 SH   SOLE   180,008 0 93,691
APPLE INC COM 037833100 1,821 4,992 SH   SOLE   2,102 0 2,890
UNION PAC CORP COM 907818108 216 1,279 SH   SOLE   1,124 0 155
CIGNA CORP NEW COM 125523100 333 1,774 SH   SOLE   1,610 0 164
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 422 3,598 SH   SOLE   2,841 0 757
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 552 3,091 SH   SOLE   1,122 0 1,969
VANGUARD INDEX FDS TOTAL STK MKT 922908769 568 3,629 SH   SOLE   3,529 0 100
ISHARES TR EAFE SML CP ETF 464288273 935 17,431 SH   SOLE   11,048 0 6,383
PRUDENTIAL FINL INC COM 744320102 2,623 43,064 SH   SOLE   28,220 0 14,844
EXXON MOBIL CORP COM 30231G102 1,809 40,448 SH   SOLE   21,263 0 19,185
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 7,192 302,952 SH   SOLE   250,821 0 52,131
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 374 4,236 SH   SOLE   4,236 0 0
FASTENAL CO COM 311900104 334 7,795 SH   SOLE   0 0 7,795
US BANCORP DEL COM NEW 902973304 3,907 106,118 SH   SOLE   27,620 0 78,498
MEDTRONIC PLC SHS G5960L103 2,568 28,004 SH   SOLE   17,787 0 10,217
FISERV INC COM 337738108 368 3,774 SH   SOLE   100 0 3,674
ISHARES TR CORE S&P500 ETF 464287200 367 1,185 SH   SOLE   723 0 462
SALESFORCE COM INC COM 79466L302 410 2,189 SH   SOLE   0 0 2,189
PROSHARES TR ULTRAPRO SHT QQQ 74347G408 151 20,000 SH   SOLE   20,000 0 0
VEEVA SYS INC CL A COM 922475108 392 1,673 SH   SOLE   0 0 1,673
ABBVIE INC COM 00287Y109 2,253 22,947 SH   SOLE   13,386 0 9,561
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 493 4,844 SH   SOLE   3,669 0 1,175
COSTAR GROUP INC COM 22160N109 491 691 SH   SOLE   0 0 691
AT&T INC COM 00206R102 1,715 56,747 SH   SOLE   34,197 0 22,550
ISHARES TR SH TR CRPORT ETF 464288646 370 6,765 SH   SOLE   4,127 0 2,638
WELLS FARGO CO NEW COM 949746101 2,335 91,202 SH   SOLE   59,747 0 31,455
NATIONAL INSTRS CORP COM 636518102 217 5,610 SH   SOLE   0 0 5,610
MONDELEZ INTL INC CL A 609207105 1,751 34,255 SH   SOLE   20,830 0 13,425
ROCKWELL AUTOMATION INC COM 773903109 341 1,600 SH   SOLE   0 0 1,600
ANSYS INC COM 03662Q105 299 1,024 SH   SOLE   0 0 1,024
WISDOMTREE TR US SMALLCAP DIVD 97717W604 223 10,531 SH   SOLE   10,426 0 105
ANTHEM INC COM 036752103 270 1,027 SH   SOLE   681 0 346
PNC FINL SVCS GROUP INC COM 693475105 226 2,152 SH   SOLE   1,497 0 655
ECOLAB INC COM 278865100 329 1,652 SH   SOLE   0 0 1,652
FS KKR CAP CORP II COM 35952V303 137 10,599 SH   SOLE   0 0 10,599
3M CO COM 88579Y101 250 1,602 SH   SOLE   986 0 616
MICROSOFT CORP COM 594918104 4,274 21,000 SH   SOLE   8,658 0 12,342
PEPSICO INC COM 713448108 1,903 14,386 SH   SOLE   8,909 0 5,477