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
ISHARES TR TIPS BD ETF 464287176 683 5,792 SH   SOLE   0 0 5,792
MICROSOFT CORP COM 594918104 943 5,978 SH   SOLE   0 0 5,978
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 39,669 766,855 SH   SOLE   0 0 766,855
THERATECHNOLOGIES INC COM 88338H100 282 176,291 SH   SOLE   0 0 176,291
ISHARES TR CORE S&P500 ETF 464287200 919 3,558 SH   SOLE   0 0 3,558
ISHARES GOLD TRUST ISHARES 464285105 562 37,263 SH   SOLE   0 0 37,263
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 412 2,252 SH   SOLE   0 0 2,252
ALMADEN MINERALS LTD COM CL B 020283305 4 15,000 SH   SOLE   0 0 15,000
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 50,124 2,422,628 SH   SOLE   0 0 2,422,628
ISHARES TR CORE S&P TTL STK 464287150 1,009 17,635 SH   SOLE   0 0 17,635
ISHARES TR CORE MSCI INTL 46435G326 957 21,596 SH   SOLE   0 0 21,596
WISDOMTREE TR E MKTS CNSMR GR 97717W539 192 10,811 SH   SOLE   0 0 10,811
AMAZON COM INC COM 023135106 1,187 609 SH   SOLE   0 0 609
MERCK & CO. INC COM 58933Y105 238 3,093 SH   SOLE   0 0 3,093
LANCASTER COLONY CORP COM 513847103 1,848 12,777 SH   SOLE   0 0 12,777
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 965 9,580 SH   SOLE   0 0 9,580
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 395 3,820 SH   SOLE   0 0 3,820
HUNTINGTON BANCSHARES INC COM 446150104 154 18,806 SH   SOLE   0 0 18,806
SIRIUS XM HLDGS INC COM 82968B103 59 12,000 SH   SOLE   0 0 12,000
ABBVIE INC COM 00287Y109 430 5,645 SH   SOLE   0 0 5,645
LCNB CORP COM 50181P100 699 55,492 SH   SOLE   0 0 55,492
JOHNSON & JOHNSON COM 478160104 236 1,803 SH   SOLE   0 0 1,803
ISHARES INC CORE MSCI EMKT 46434G103 66,209 1,636,003 SH   SOLE   0 0 1,636,003
ISHARES TR SHORT TREAS BD 464288679 54,208 488,275 SH   SOLE   0 0 488,275
CIVISTA BANCSHARES INC COM NO PAR 178867107 214 14,333 SH   SOLE   0 0 14,333
MASTERCARD INC CL A 57636Q104 361 1,493 SH   SOLE   0 0 1,493
ISHARES TR NATIONAL MUN ETF 464288414 234 2,067 SH   SOLE   0 0 2,067
SELECT SECTOR SPDR TR ENERGY 81369Y506 40,492 1,393,402 SH   SOLE   0 0 1,393,402
ABBOTT LABS COM 002824100 552 7,000 SH   SOLE   0 0 7,000
ISHARES TR RUS 1000 ETF 464287622 6,449 45,568 SH   SOLE   0 0 45,568
SPDR S&P 500 ETF TR TR UNIT 78462F103 615 2,387 SH   SOLE   0 0 2,387
APPLE INC COM 037833100 972 3,823 SH   SOLE   0 0 3,823
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 326 1,375 SH   SOLE   0 0 1,375
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 23 20,000 SH Put SOLE   0 0 20,000