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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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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 603 5,079 SH   SOLE 0 0 0 5,079
ALPHABET INC CAP STK CL C 02079K107 599 207 SH   SOLE 0 0 0 207
AMAZON COM INC COM 023135106 1,097 329 SH   SOLE 0 0 0 329
APPLE INC COM 037833100 1,534 8,640 SH   SOLE 0 0 0 8,640
BOEING CO COM 097023105 936 4,648 SH   SOLE 0 0 0 4,648
BP PLC SPONSORED ADR 055622104 292 10,983 SH   SOLE 0 0 0 10,983
CHEVRON CORP NEW COM 166764100 223 1,897 SH   SOLE 0 0 0 1,897
COCA COLA CO COM 191216100 286 4,834 SH   SOLE 0 0 0 4,834
CSX CORP COM 126408103 406 10,800 SH   SOLE 0 0 0 10,800
DEERE & CO COM 244199105 279 815 SH   SOLE 0 0 0 815
DISNEY WALT CO COM 254687106 597 3,856 SH   SOLE 0 0 0 3,856
EXXON MOBIL CORP COM 30231G102 1,003 16,387 SH   SOLE 0 0 0 16,387
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 983 17,257 SH   SOLE 0 0 0 17,257
FORD MTR CO DEL COM 345370860 761 36,626 SH   SOLE 0 0 0 36,626
GRANITESHARES GOLD TR SHS BEN INT 38748G101 860 47,384 SH   SOLE 0 0 0 47,384
HUNTINGTON BANCSHARES INC COM 446150104 309 20,020 SH   SOLE 0 0 0 20,020
INTEL CORP COM 458140100 572 11,104 SH   SOLE 0 0 0 11,104
ISHARES INC CORE MSCI EMKT 46434G103 329 5,500 SH   SOLE 0 0 0 5,500
ISHARES INC JP MORGAN EM ETF 464286517 5,818 148,352 SH   SOLE 0 0 0 148,352
ISHARES TR US TREAS BD ETF 46429B267 4,960 185,896 SH   SOLE 0 0 0 185,896
ISHARES TR CORE MSCI EAFE 46432F842 220 2,953 SH   SOLE 0 0 0 2,953
ISHARES TR 0-5YR HI YL CP 46434V407 8,101 178,824 SH   SOLE 0 0 0 178,824
ISHARES TR CORE US AGGBD ET 464287226 596 5,228 SH   SOLE 0 0 0 5,228
ISHARES TR NATIONAL MUN ETF 464288414 240 2,065 SH   SOLE 0 0 0 2,065
ISHARES TR JPMORGAN USD EMG 464288281 215 1,972 SH   SOLE 0 0 0 1,972
ISHARES TR MODERT ALLOC ETF 464289875 279 6,135 SH   SOLE 0 0 0 6,135
ISHARES TR GRWT ALLOCAT ETF 464289867 317 5,551 SH   SOLE 0 0 0 5,551
ISHARES TR SHRT NAT MUN ETF 464288158 1,249 11,636 SH   SOLE 0 0 0 11,636
ISHARES TR AGGRES ALLOC ETF 464289859 396 5,435 SH   SOLE 0 0 0 5,435
ISHARES TR CORE S&P MCP ETF 464287507 4,092 14,455 SH   SOLE 0 0 0 14,455
ISHARES TR CORE S&P SCP ETF 464287804 215 1,879 SH   SOLE 0 0 0 1,879
ISHARES TR CORE S&P500 ETF 464287200 816 1,711 SH   SOLE 0 0 0 1,711
ISHARES TR MSCI EAFE ETF 464287465 502 6,384 SH   SOLE 0 0 0 6,384
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 995 19,711 SH   SOLE 0 0 0 19,711
JPMORGAN CHASE & CO COM 46625H100 726 4,584 SH   SOLE 0 0 0 4,584
LOWES COS INC COM 548661107 704 2,724 SH   SOLE 0 0 0 2,724
MCDONALDS CORP COM 580135101 514 1,916 SH   SOLE 0 0 0 1,916
MERCK & CO INC COM 58933Y105 375 4,896 SH   SOLE 0 0 0 4,896
METLIFE INC COM 59156R108 452 7,231 SH   SOLE 0 0 0 7,231
MICROSOFT CORP COM 594918104 855 2,541 SH   SOLE 0 0 0 2,541
NEXTERA ENERGY INC COM 65339F101 483 5,174 SH   SOLE 0 0 0 5,174
NIKE INC CL B 654106103 617 3,702 SH   SOLE 0 0 0 3,702
PEPSICO INC COM 713448108 621 3,575 SH   SOLE 0 0 0 3,575
PFIZER INC COM 717081103 654 11,081 SH   SOLE 0 0 0 11,081
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 2,103 20,707 SH   SOLE 0 0 0 20,707
PROCTER AND GAMBLE CO COM 742718109 1,049 6,413 SH   SOLE 0 0 0 6,413
PROGRESSIVE CORP COM 743315103 660 6,429 SH   SOLE 0 0 0 6,429
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,591 168,404 SH   SOLE 0 0 0 168,404
SOUTHERN CO COM 842587107 213 3,108 SH   SOLE 0 0 0 3,108
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,834 381,645 SH   SOLE 0 0 0 381,645
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,454 38,497 SH   SOLE 0 0 0 38,497
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 26,235 719,173 SH   SOLE 0 0 0 719,173
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,635 27,573 SH   SOLE 0 0 0 27,573
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 3,404 44,344 SH   SOLE 0 0 0 44,344
SPDR S&P 500 ETF TR TR UNIT 78462F103 226 476 SH   SOLE 0 0 0 476
SPDR SER TR S&P 600 SMCP VAL 78464A300 9,529 112,473 SH   SOLE 0 0 0 112,473
SPDR SER TR S&P 600 SMCP GRW 78464A201 4,375 47,129 SH   SOLE 0 0 0 47,129
SPDR SER TR PORTFOLI S&P1500 78464A805 44,870 767,672 SH   SOLE 0 0 0 767,672
SPDR SER TR MSCI USA STRTGIC 78468R812 10,638 81,451 SH   SOLE 0 0 0 81,451
SPDR SER TR BLOOMBERG EMERGI 78464A391 528 21,595 SH   SOLE 0 0 0 21,595
SPDR SER TR PORTFOLIO AGRGTE 78464A649 23,700 800,118 SH   SOLE 0 0 0 800,118
SPDR SER TR PORTFOLIO S&P400 78464A847 14,126 283,988 SH   SOLE 0 0 0 283,988
UNION PAC CORP COM 907818108 575 2,281 SH   SOLE 0 0 0 2,281
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,311 51,868 SH   SOLE 0 0 0 51,868
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 920 14,743 SH   SOLE 0 0 0 14,743
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 610 3,382 SH   SOLE 0 0 0 3,382
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 377 4,446 SH   SOLE 0 0 0 4,446
VANGUARD INDEX FDS VALUE ETF 922908744 339 2,304 SH   SOLE 0 0 0 2,304
VANGUARD INDEX FDS TOTAL STK MKT 922908769 533 2,206 SH   SOLE 0 0 0 2,206
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 843 17,051 SH   SOLE 0 0 0 17,051
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,611 29,332 SH   SOLE 0 0 0 29,332
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,536 92,745 SH   SOLE 0 0 0 92,745
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,666 32,628 SH   SOLE 0 0 0 32,628
VERIZON COMMUNICATIONS INC COM 92343V104 719 13,842 SH   SOLE 0 0 0 13,842
WALMART INC COM 931142103 244 1,688 SH   SOLE 0 0 0 1,688
WASTE MGMT INC DEL COM 94106L109 312 1,869 SH   SOLE 0 0 0 1,869
WORLD GOLD TR SPDR GLD MINIS 98149E204 9,778 537,857 SH   SOLE 0 0 0 537,857