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
3M CO COM 88579Y101 1,009 6,461 SH   SOLE   2,889 0 3,572
ABBOTT LABS COM 002824100 1,887 20,702 SH   SOLE   10,144 0 10,558
ABBVIE INC COM 00287Y109 636 6,481 SH   SOLE   756 0 5,725
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 443 2,064 SH   SOLE   0 0 2,064
ADOBE INC COM 00724F101 1,063 2,443 SH   SOLE   0 0 2,443
ALIGN TECHNOLOGY INC COM 016255101 1,346 4,906 SH   SOLE   45 0 4,861
ALPHABET INC CAP STK CL A 02079K305 5,988 4,223 SH   SOLE   1,516 0 2,707
ALPHABET INC CAP STK CL C 02079K107 3,037 2,147 SH   SOLE   186 0 1,961
AMAZON COM INC COM 023135106 2,311 838 SH   SOLE   35 0 803
AMERICAN EXPRESS CO COM 025816109 441 4,625 SH   SOLE   0 0 4,625
AMGEN INC COM 031162100 473 2,006 SH   SOLE   0 0 2,006
APPLE INC COM 037833100 32,260 88,398 SH   SOLE   15,899 0 72,499
AT&T INC COM 00206R102 500 16,491 SH   SOLE   2,738 0 13,753
BECTON DICKINSON & CO COM 075887109 235 984 SH   SOLE   55 0 929
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,871 7 SH   SOLE   4 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,054 73,126 SH   SOLE   14,077 0 59,049
BILL COM HLDGS INC COM 090043100 4,403 48,809 SH   SOLE   0 0 48,809
BK OF AMERICA CORP COM 060505104 805 33,951 SH   SOLE   0 0 33,951
BOEING CO COM 097023105 272 1,491 SH   SOLE   908 0 583
BOX INC CL A 10316T104 1,024 49,358 SH   SOLE   0 0 49,358
BRISTOL-MYERS SQUIBB CO COM 110122108 377 6,423 SH   SOLE   2,017 0 4,406
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 212 4,424 SH   SOLE   0 0 4,424
CAPITAL ONE FINL CORP COM 14040H105 225 3,581 SH   SOLE   0 0 3,581
CATERPILLAR INC DEL COM 149123101 333 2,625 SH   SOLE   475 0 2,150
CHARTER COMMUNICATIONS INC N CL A 16119P108 566 1,111 SH   SOLE   73 0 1,038
CHEVRON CORP NEW COM 166764100 1,173 13,144 SH   SOLE   3,115 0 10,029
CINCINNATI FINL CORP COM 172062101 418 6,532 SH   SOLE   0 0 6,532
CISCO SYS INC COM 17275R102 1,011 21,655 SH   SOLE   555 0 21,100
CLOROX CO DEL COM 189054109 271 1,233 SH   SOLE   71 0 1,162
COCA COLA CO COM 191216100 854 19,121 SH   SOLE   11,322 0 7,799
COMCAST CORP NEW CL A 20030N101 958 24,569 SH   SOLE   6,964 0 17,605
COSTCO WHSL CORP NEW COM 22160K105 238 787 SH   SOLE   450 0 337
DANAHER CORPORATION COM 235851102 1,484 8,406 SH   SOLE   4,079 0 4,327
DISNEY WALT CO COM DISNEY 254687106 2,063 18,514 SH   SOLE   7,211 0 11,303
DOCUSIGN INC COM 256163106 2,883 16,739 SH   SOLE   0 0 16,739
DOMINION ENERGY INC COM 25746U109 221 2,726 SH   SOLE   0 0 2,726
ECOLAB INC COM 278865100 298 1,500 SH   SOLE   0 0 1,500
ELASTIC N V ORD SHS N14506104 1,131 12,251 SH   SOLE   1,786 0 10,465
EXXON MOBIL CORP COM 30231G102 599 13,396 SH   SOLE   5,681 0 7,715
FACEBOOK INC CL A 30303M102 11,257 49,572 SH   SOLE   2,454 0 47,118
FEDEX CORP COM 31428X106 203 1,453 SH   SOLE   0 0 1,453
GENERAL ELECTRIC CO COM 369604103 193 28,144 SH   SOLE   7,753 0 20,391
HOME DEPOT INC COM 437076102 846 3,371 SH   SOLE   110 0 3,261
HONEYWELL INTL INC COM 438516106 243 1,679 SH   SOLE   400 0 1,279
HUNTINGTON BANCSHARES INC COM 446150104 322 35,658 SH   SOLE   0 0 35,658
ILLUMINA INC COM 452327109 644 1,739 SH   SOLE   1,444 0 295
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 14,806 488,390 SH   SOLE   3,645 0 484,745
INTEL CORP COM 458140100 1,115 18,621 SH   SOLE   4,941 0 13,680
INTERNATIONAL BUSINESS MACHS COM 459200101 716 5,943 SH   SOLE   1,690 0 4,253
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 420 3,660 SH   SOLE   3,660 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 437 1,969 SH   SOLE   1,545 0 424
INVESCO QQQ TR UNIT SER 1 46090E103 268 1,082 SH   SOLE   0 0 1,082
ISHARES GOLD TRUST ISHARES 464285105 191 11,216 SH   SOLE   1,989 0 9,227
ISHARES INC CORE MSCI EMKT 46434G103 46,991 987,194 SH   SOLE   134,984 0 852,210
ISHARES INC EM MKTS DIV ETF 464286319 256 8,160 SH   SOLE   2,252 0 5,908
ISHARES INC MIN VOL EMRG MKT 464286533 2,382 45,893 SH   SOLE   6,632 0 39,261
ISHARES INC MIN VOL GBL ETF 464286525 226,774 2,589,281 SH   SOLE   555,093 0 2,034,188
ISHARES TR CORE MSCI EAFE 46432F842 1,376 24,096 SH   SOLE   14,167 0 9,929
ISHARES TR CORE S&P SCP ETF 464287804 853 12,478 SH   SOLE   0 0 12,478
ISHARES TR CORE S&P TTL STK 464287150 646 9,285 SH   SOLE   0 0 9,285
ISHARES TR CORE S&P US GWT 464287671 456 6,339 SH   SOLE   0 0 6,339
ISHARES TR CORE S&P US VLU 464287663 59,694 1,142,891 SH   SOLE   124,055 0 1,018,836
ISHARES TR CORE S&P500 ETF 464287200 27,695 89,423 SH   SOLE   11,643 0 77,780
ISHARES TR CORE US AGGBD ET 464287226 7,695 65,102 SH   SOLE   18,133 0 46,969
ISHARES TR DOW JONES US ETF 464287846 2,889 18,874 SH   SOLE   0 0 18,874
ISHARES TR EAFE SML CP ETF 464288273 2,839 53,003 SH   SOLE   13,044 0 39,959
ISHARES TR EAFE VALUE ETF 464288877 47,092 1,178,268 SH   SOLE   234,266 0 944,002
ISHARES TR IBOXX HI YD ETF 464288513 816 10,007 SH   SOLE   8,443 0 1,564
ISHARES TR INTL SEL DIV ETF 464288448 622 24,725 SH   SOLE   0 0 24,725
ISHARES TR MIN VOL EAFE ETF 46429B689 5,301 80,266 SH   SOLE   6,522 0 73,744
ISHARES TR MODERT ALLOC ETF 464289875 8,010 200,913 SH   SOLE   232 0 200,681
ISHARES TR MSCI ACWI ETF 464288257 572 7,766 SH   SOLE   3,906 0 3,860
ISHARES TR MSCI ACWI EX US 464288240 274 6,334 SH   SOLE   0 0 6,334
ISHARES TR MSCI EAFE ETF 464287465 2,492 40,885 SH   SOLE   0 0 40,885
ISHARES TR MSCI EMG MKT ETF 464287234 4,339 108,419 SH   SOLE   5,220 0 103,199
ISHARES TR MSCI LW CRB TG 46434V464 804 6,658 SH   SOLE   0 0 6,658
ISHARES TR MSCI MIN VOL ETF 46429B697 8,852 145,979 SH   SOLE   13,575 0 132,404
ISHARES TR NATIONAL MUN ETF 464288414 57,251 496,142 SH   SOLE   51,072 0 445,070
ISHARES TR RUS 1000 ETF 464287622 15,128 88,108 SH   SOLE   6,258 0 81,850
ISHARES TR RUS 1000 GRW ETF 464287614 1,413 7,361 SH   SOLE   0 0 7,361
ISHARES TR RUS 1000 VAL ETF 464287598 5,487 48,729 SH   SOLE   1,010 0 47,719
ISHARES TR RUS 2000 GRW ETF 464287648 511 2,470 SH   SOLE   0 0 2,470
ISHARES TR RUS 2000 VAL ETF 464287630 10,513 107,879 SH   SOLE   7,388 0 100,491
ISHARES TR RUS MD CP GR ETF 464287481 450 2,845 SH   SOLE   500 0 2,345
ISHARES TR RUS MID CAP ETF 464287499 2,069 38,607 SH   SOLE   13,792 0 24,815
ISHARES TR RUSSELL 2000 ETF 464287655 7,886 55,100 SH   SOLE   8,605 0 46,495
ISHARES TR RUSSELL 3000 ETF 464287689 3,914 21,731 SH   SOLE   3,305 0 18,426
ISHARES TR S&P 100 ETF 464287101 395 2,770 SH   SOLE   0 0 2,770
ISHARES TR S&P 500 GRWT ETF 464287309 375 1,805 SH   SOLE   1,805 0 0
ISHARES TR SELECT DIVID ETF 464287168 707 8,764 SH   SOLE   0 0 8,764
ISHARES TR SHORT TREAS BD 464288679 1,678 15,158 SH   SOLE   0 0 15,158
ISHARES TR TIPS BD ETF 464287176 243 1,977 SH   SOLE   0 0 1,977
ISHARES TR U.S. MED DVC ETF 464288810 359 1,355 SH   SOLE   1,355 0 0
ISHARES TR USA QUALITY FCTR 46432F339 544 5,667 SH   SOLE   0 0 5,667
JOHNSON & JOHNSON COM 478160104 3,487 24,796 SH   SOLE   6,195 0 18,601
JPMORGAN CHASE & CO COM 46625H100 2,138 22,690 SH   SOLE   5,971 0 16,719
KINDER MORGAN INC DEL COM 49456B101 386 25,397 SH   SOLE   0 0 25,397
LOWES COS INC COM 548661107 879 6,503 SH   SOLE   0 0 6,503
MARATHON OIL CORP COM 565849106 68 11,170 SH   SOLE   11,170 0 0
MARATHON PETE CORP COM 56585A102 200 5,378 SH   SOLE   4,502 0 876
MASTERCARD INCORPORATED CL A 57636Q104 730 2,466 SH   SOLE   0 0 2,466
MCDONALDS CORP COM 580135101 441 2,386 SH   SOLE   366 0 2,020
MERCK & CO. INC COM 58933Y105 983 12,742 SH   SOLE   2,279 0 10,463
MICROSOFT CORP COM 594918104 8,803 43,261 SH   SOLE   4,198 0 39,063
NEXTERA ENERGY INC COM 65339F101 378 1,573 SH   SOLE   0 0 1,573
NIKE INC CL B 654106103 501 5,126 SH   SOLE   2,656 0 2,470
NOKIA CORP SPONSORED ADR 654902204 103 23,378 SH   SOLE   0 0 23,378
NOVARTIS AG SPONSORED ADR 66987V109 321 3,684 SH   SOLE   0 0 3,684
ORACLE CORP COM 68389X105 885 15,975 SH   SOLE   900 0 15,075
PAYCHEX INC COM 704326107 838 11,054 SH   SOLE   23 0 11,031
PAYPAL HLDGS INC COM 70450Y103 737 4,241 SH   SOLE   2,118 0 2,123
PEPSICO INC COM 713448108 2,716 20,540 SH   SOLE   6,766 0 13,774
PERCEPTRON INC COM 71361F100 47 14,067 SH   SOLE   0 0 14,067
PFIZER INC COM 717081103 864 26,445 SH   SOLE   2,390 0 24,055
PROCTER AND GAMBLE CO COM 742718109 2,682 22,429 SH   SOLE   768 0 21,661
QUALCOMM INC COM 747525103 1,280 14,026 SH   SOLE   5,935 0 8,091
RAPT THERAPEUTICS INC COM 75382E109 290 10,000 SH   SOLE   0 0 10,000
RAYTHEON TECHNOLOGIES CORP COM 75513E101 890 14,431 SH   SOLE   4,681 0 9,750
REALTY INCOME CORP COM 756109104 286 4,811 SH   SOLE   0 0 4,811
RESTAURANT BRANDS INTL INC COM 76131D103 714 13,072 SH   SOLE   0 0 13,072
ROYAL BK CDA COM 780087102 2,337 34,467 SH   SOLE   0 0 34,467
SALESFORCE COM INC COM 79466L302 2,112 11,279 SH   SOLE   7,053 0 4,226
SCHWAB CHARLES CORP COM 808513105 952 28,133 SH   SOLE   8,260 0 19,873
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 563 24,060 SH   SOLE   17,570 0 6,490
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 503 21,161 SH   SOLE   18,232 0 2,929
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,014 18,008 SH   SOLE   11,535 0 6,473
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 377 7,285 SH   SOLE   0 0 7,285
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 803 16,019 SH   SOLE   9,360 0 6,659
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,656 49,326 SH   SOLE   21,359 0 27,967
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,125 21,375 SH   SOLE   8,352 0 13,023
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 9,744 421,080 SH   SOLE   326 0 420,754
SEMPRA ENERGY COM 816851109 254 2,170 SH   SOLE   2,170 0 0
SILGAN HOLDINGS INC COM 827048109 749 23,128 SH   SOLE   0 0 23,128
SPDR GOLD TR GOLD SHS 78463V107 439 2,629 SH   SOLE   0 0 2,629
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 782 27,111 SH   SOLE   1,963 0 25,148
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 758 14,379 SH   SOLE   2,215 0 12,164
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 637 23,245 SH   SOLE   2,325 0 20,920
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,788 67,412 SH   SOLE   9,990 0 57,422
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 938 2,889 SH   SOLE   45 0 2,844
SPDR SER TR BLMBRG BRC CNVRT 78464A359 1,274 21,052 SH   SOLE   21,052 0 0
SPDR SER TR S&P DIVID ETF 78464A763 640 7,009 SH   SOLE   0 0 7,009
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 298 6,037 SH   SOLE   4,743 0 1,294
STARBUCKS CORP COM 855244109 210 2,844 SH   SOLE   902 0 1,942
THERMO FISHER SCIENTIFIC INC COM 883556102 554 1,530 SH   SOLE   0 0 1,530
TJX COS INC NEW COM 872540109 1,625 31,979 SH   SOLE   13,746 0 18,233
TRUIST FINL CORP COM 89832Q109 350 9,325 SH   SOLE   246 0 9,079
UBS AG LONDON BRANCH ETRAC ALER MLP 90267B682 163 11,907 SH   SOLE   11,907 0 0
UNION PAC CORP COM 907818108 1,574 9,326 SH   SOLE   3,226 0 6,100
UNITEDHEALTH GROUP INC COM 91324P102 796 2,697 SH   SOLE   790 0 1,907
US BANCORP DEL COM NEW 902973304 1,166 31,658 SH   SOLE   3,887 0 27,771
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 762 4,657 SH   SOLE   2,710 0 1,947
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,876 31,659 SH   SOLE   7,727 0 23,932
VANECK VECTORS ETF TR SHORT HIGH YIELD 92189F387 202 8,460 SH   SOLE   0 0 8,460
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 936 11,240 SH   SOLE   0 0 11,240
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 50,958 576,762 SH   SOLE   105,956 0 470,806
VANGUARD INDEX FDS GROWTH ETF 922908736 565 2,797 SH   SOLE   0 0 2,797
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,066 7,460 SH   SOLE   0 0 7,460
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,133 52,702 SH   SOLE   18,998 0 33,704
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 42,536 150,073 SH   SOLE   26,677 0 123,396
VANGUARD INDEX FDS SM CP VAL ETF 922908611 43,746 409,271 SH   SOLE   64,435 0 344,836
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,453 9,965 SH   SOLE   0 0 9,965
VANGUARD INDEX FDS SML CP GRW ETF 922908595 617 3,090 SH   SOLE   0 0 3,090
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,205 46,019 SH   SOLE   29,729 0 16,290
VANGUARD INDEX FDS VALUE ETF 922908744 1,626 16,339 SH   SOLE   0 0 16,339
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,434 261,190 SH   SOLE   30,372 0 230,818
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,189 131,025 SH   SOLE   28,207 0 102,818
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,683 57,456 SH   SOLE   21,646 0 35,810
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 357 4,781 SH   SOLE   0 0 4,781
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,816 88,966 SH   SOLE   6,096 0 82,870
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,955 20,548 SH   SOLE   1,758 0 18,790
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 747 12,004 SH   SOLE   0 0 12,004
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,420 41,360 SH   SOLE   7,718 0 33,642
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 58,523 499,435 SH   SOLE   88,940 0 410,495
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 4,002 103,163 SH   SOLE   32,500 0 70,663
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 424 5,447 SH   SOLE   0 0 5,447
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,122 14,778 SH   SOLE   3,764 0 11,014
VANGUARD WORLD FDS MATERIALS ETF 92204A801 268 2,235 SH   SOLE   535 0 1,700
VERIZON COMMUNICATIONS INC COM 92343V104 1,020 18,526 SH   SOLE   7,378 0 11,148
VISA INC COM CL A 92826C839 909 4,710 SH   SOLE   356 0 4,354
WALMART INC COM 931142103 439 3,649 SH   SOLE   0 0 3,649
WELLS FARGO CO NEW COM 949746101 624 24,431 SH   SOLE   0 0 24,431
WISDOMTREE TR EMER MKT HIGH FD 97717W315 39,756 1,100,423 SH   SOLE   172,955 0 927,468