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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 869 7,640 SH   SOLE 0 0 0 7,640
ALPHABET INC CAP STK CL C 02079K107 1,221 558 SH   SOLE 0 0 0 558
AMAZON COM INC COM 023135106 1,453 13,678 SH   SOLE 0 0 0 13,678
APPLE INC COM 037833100 1,691 12,365 SH   SOLE 0 0 0 12,365
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,194 4,374 SH   SOLE 0 0 0 4,374
BP PLC SPONSORED ADR 055622104 255 9,000 SH   SOLE 0 0 0 9,000
CHEVRON CORP NEW COM 166764100 280 1,931 SH   SOLE 0 0 0 1,931
COCA COLA CO COM 191216100 305 4,848 SH   SOLE 0 0 0 4,848
CSX CORP COM 126408103 314 10,800 SH   SOLE 0 0 0 10,800
DEERE & CO COM 244199105 245 820 SH   SOLE 0 0 0 820
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 440 9,162 SH   SOLE 0 0 0 9,162
DISNEY WALT CO COM 254687106 754 7,983 SH   SOLE 0 0 0 7,983
DTE ENERGY CO COM 233331107 207 1,634 SH   SOLE 0 0 0 1,634
EXXON MOBIL CORP COM 30231G102 1,369 15,981 SH   SOLE 0 0 0 15,981
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 394 7,791 SH   SOLE 0 0 0 7,791
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703 9,828 502,943 SH   SOLE 0 0 0 502,943
FORD MTR CO DEL COM 345370860 787 70,728 SH   SOLE 0 0 0 70,728
GRANITESHARES GOLD TR SHS BEN INT 38748G101 707 39,481 SH   SOLE 0 0 0 39,481
HUNTINGTON BANCSHARES INC COM 446150104 241 20,038 SH   SOLE 0 0 0 20,038
INTEL CORP COM 458140100 749 20,012 SH   SOLE 0 0 0 20,012
ISHARES INC JP MORGAN EM ETF 464286517 6,275 183,642 SH   SOLE 0 0 0 183,642
ISHARES INC CORE MSCI EMKT 46434G103 246 5,021 SH   SOLE 0 0 0 5,021
ISHARES TR GRWT ALLOCAT ETF 464289867 282 5,881 SH   SOLE 0 0 0 5,881
ISHARES TR AGGRES ALLOC ETF 464289859 363 6,057 SH   SOLE 0 0 0 6,057
ISHARES TR CORE US AGGBD ET 464287226 1,331 13,090 SH   SOLE 0 0 0 13,090
ISHARES TR CORE S&P MCP ETF 464287507 4,090 18,081 SH   SOLE 0 0 0 18,081
ISHARES TR CORE MSCI EAFE 46432F842 224 3,804 SH   SOLE 0 0 0 3,804
ISHARES TR CORE S&P SCP ETF 464287804 232 2,516 SH   SOLE 0 0 0 2,516
ISHARES TR SHRT NAT MUN ETF 464288158 982 9,378 SH   SOLE 0 0 0 9,378
ISHARES TR NATIONAL MUN ETF 464288414 402 3,784 SH   SOLE 0 0 0 3,784
ISHARES TR CORE S&P500 ETF 464287200 764 2,014 SH   SOLE 0 0 0 2,014
ISHARES TR 0-5YR HI YL CP 46434V407 5,908 145,691 SH   SOLE 0 0 0 145,691
ISHARES TR MODERT ALLOC ETF 464289875 206 5,287 SH   SOLE 0 0 0 5,287
ISHARES TR MSCI EAFE ETF 464287465 218 3,487 SH   SOLE 0 0 0 3,487
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 286 5,723 SH   SOLE 0 0 0 5,723
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 444 8,867 SH   SOLE 0 0 0 8,867
JPMORGAN CHASE & CO COM 46625H100 875 7,772 SH   SOLE 0 0 0 7,772
LOWES COS INC COM 548661107 819 4,687 SH   SOLE 0 0 0 4,687
MCDONALDS CORP COM 580135101 474 1,921 SH   SOLE 0 0 0 1,921
MERCK & CO INC COM 58933Y105 406 4,457 SH   SOLE 0 0 0 4,457
METLIFE INC COM 59156R108 656 10,451 SH   SOLE 0 0 0 10,451
MICROSOFT CORP COM 594918104 992 3,864 SH   SOLE 0 0 0 3,864
NEXTERA ENERGY INC COM 65339F101 408 5,261 SH   SOLE 0 0 0 5,261
NIKE INC CL B 654106103 379 3,712 SH   SOLE 0 0 0 3,712
PEPSICO INC COM 713448108 849 5,094 SH   SOLE 0 0 0 5,094
PFIZER INC COM 717081103 583 11,115 SH   SOLE 0 0 0 11,115
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,879 18,960 SH   SOLE 0 0 0 18,960
PROCTER AND GAMBLE CO COM 742718109 1,184 8,236 SH   SOLE 0 0 0 8,236
PROGRESSIVE CORP COM 743315103 950 8,167 SH   SOLE 0 0 0 8,167
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 560 22,076 SH   SOLE 0 0 0 22,076
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,124 181,433 SH   SOLE 0 0 0 181,433
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 779 16,395 SH   SOLE 0 0 0 16,395
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 13,203 259,390 SH   SOLE 0 0 0 259,390
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,458 23,359 SH   SOLE 0 0 0 23,359
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 24,862 862,076 SH   SOLE 0 0 0 862,076
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,440 444,060 SH   SOLE 0 0 0 444,060
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,552 31,896 SH   SOLE 0 0 0 31,896
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 3,066 49,462 SH   SOLE 0 0 0 49,462
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,357 46,919 SH   SOLE 0 0 0 46,919
SPDR SER TR S&P 600 SMCP VAL 78464A300 9,306 128,511 SH   SOLE 0 0 0 128,511
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,878 55,006 SH   SOLE 0 0 0 55,006
SPDR SER TR PORTFOLIO LN TSR 78464A664 254 7,685 SH   SOLE 0 0 0 7,685
SPDR SER TR PORTFLI TIPS ETF 78464A656 530 19,249 SH   SOLE 0 0 0 19,249
SPDR SER TR NUVEEN BLMBRG SH 78468R739 250 5,297 SH   SOLE 0 0 0 5,297
SPDR SER TR PORTFOLIO S&P400 78464A847 12,817 322,918 SH   SOLE 0 0 0 322,918
SPDR SER TR PORTFOLIO AGRGTE 78464A649 14,983 568,603 SH   SOLE 0 0 0 568,603
SPDR SER TR BLOOMBERG SHT TE 78468R408 473 19,631 SH   SOLE 0 0 0 19,631
SPDR SER TR BLOOMBERG EMERGI 78464A391 395 19,319 SH   SOLE 0 0 0 19,319
SPDR SER TR PORTFOLI S&P1500 78464A805 37,928 816,012 SH   SOLE 0 0 0 816,012
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 513 12,162 SH   SOLE 0 0 0 12,162
VANECK ETF TRUST INVESTMENT GRD 92189F486 722 29,243 SH   SOLE 0 0 0 29,243
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 660 12,249 SH   SOLE 0 0 0 12,249
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 639 4,154 SH   SOLE 0 0 0 4,154
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 311 1,719 SH   SOLE 0 0 0 1,719
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 716 9,513 SH   SOLE 0 0 0 9,513
VANGUARD INDEX FDS VALUE ETF 922908744 379 2,874 SH   SOLE 0 0 0 2,874
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,366 12,542 SH   SOLE 0 0 0 12,542
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,442 34,627 SH   SOLE 0 0 0 34,627
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,174 23,508 SH   SOLE 0 0 0 23,508
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 7,117 93,321 SH   SOLE 0 0 0 93,321
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3,266 80,041 SH   SOLE 0 0 0 80,041
VERIZON COMMUNICATIONS INC COM 92343V104 1,353 26,669 SH   SOLE 0 0 0 26,669
WALMART INC COM 931142103 210 1,724 SH   SOLE 0 0 0 1,724
WASTE MGMT INC DEL COM 94106L109 289 1,887 SH   SOLE 0 0 0 1,887
WORLD GOLD TR SPDR GLD MINIS 98149E303 8,279 230,745 SH   SOLE 0 0 0 230,745