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
DISNEY WALT CO COM 254687106 259 1,430 SH   SOLE   0 0 1,430
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 71,948 2,347,405 SH   SOLE   0 0 2,347,405
MASTERCARD INCORPORATED CL A 57636Q104 452 1,267 SH   SOLE   0 0 1,267
ISHARES TR NATIONAL MUN ETF 464288414 245 2,089 SH   SOLE   0 0 2,089
ABBOTT LABS COM 002824100 831 7,591 SH   SOLE   0 0 7,591
PEPSICO INC COM 713448108 284 1,917 SH   SOLE   0 0 1,917
ISHARES TR TIPS BD ETF 464287176 499 3,909 SH   SOLE   0 0 3,909
SELECT SECTOR SPDR TR ENERGY 81369Y506 50,227 1,325,246 SH   SOLE   0 0 1,325,246
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 517 15,705 SH   SOLE   0 0 15,705
APPLE INC COM 037833100 2,333 17,579 SH   SOLE   0 0 17,579
HUNTINGTON BANCSHARES INC COM 446150104 215 16,992 SH   SOLE   0 0 16,992
AMAZON COM INC COM 023135106 2,244 689 SH   SOLE   0 0 689
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 295 1,129 SH   SOLE   0 0 1,129
QUALCOMM INC COM 747525103 207 1,362 SH   SOLE   0 0 1,362
MERCK & CO. INC COM 58933Y105 221 2,705 SH   SOLE   0 0 2,705
ORACLE CORP COM 68389X105 223 3,447 SH   SOLE   0 0 3,447
COMCAST CORP NEW CL A 20030N101 233 4,449 SH   SOLE   0 0 4,449
ABBVIE INC COM 00287Y109 644 6,011 SH   SOLE   0 0 6,011
THERATECHNOLOGIES INC COM 88338H100 441 176,291 SH   SOLE   0 0 176,291
BROADCOM INC COM 11135F101 213 487 SH   SOLE   0 0 487
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 336 1,449 SH   SOLE   0 0 1,449
ISHARES INC CORE MSCI EMKT 46434G103 100,143 1,614,167 SH   SOLE   0 0 1,614,167
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 570 4,035 SH   SOLE   0 0 4,035
ISHARES TR CORE S&P TTL STK 464287150 1,520 17,635 SH   SOLE   0 0 17,635
ILLINOIS TOOL WKS INC COM 452308109 277 1,360 SH   SOLE   0 0 1,360
ISHARES GOLD TRUST ISHARES 464285105 700 38,615 SH   SOLE   0 0 38,615
ISHARES TR CORE MSCI INTL 46435G326 251 4,076 SH   SOLE   0 0 4,076
SIRIUS XM HOLDINGS INC COM 82968B103 76 12,000 SH   SOLE   0 0 12,000
TESLA INC COM 88160R101 330 468 SH   SOLE   0 0 468
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,894 78,841 SH   SOLE   0 0 78,841
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 635 1,846 SH   SOLE   0 0 1,846
ECOLAB INC COM 278865100 246 1,136 SH   SOLE   0 0 1,136
LANCASTER COLONY CORP COM 513847103 1,948 10,600 SH   SOLE   0 0 10,600
ISHARES TR RUS 1000 ETF 464287622 9,471 44,709 SH   SOLE   0 0 44,709
MICROSOFT CORP COM 594918104 1,195 5,372 SH   SOLE   0 0 5,372
ISHARES TR RUSSELL 2000 ETF 464287655 292 1,490 SH   SOLE   0 0 1,490
MCDONALDS CORP COM 580135101 217 1,010 SH   SOLE   0 0 1,010
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 37,789 735,346 SH   SOLE   0 0 735,346
MORGAN STANLEY COM NEW 617446448 214 3,129 SH   SOLE   0 0 3,129
SPDR SER TR PRTFLO S&P500 VL 78464A508 284,992 8,287,064 SH   SOLE   0 0 8,287,064
ISHARES TR CORE S&P500 ETF 464287200 1,427 3,802 SH   SOLE   0 0 3,802
ALMADEN MINERALS LTD COM CL B 020283305 7 15,000 SH   SOLE   0 0 15,000
ISHARES TR SHORT TREAS BD 464288679 2,096 18,959 SH   SOLE   0 0 18,959
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 939 9,377 SH   SOLE   0 0 9,377
SPDR SER TR S&P 600 SML CAP 78464A813 262 3,288 SH   SOLE   0 0 3,288
LULULEMON ATHLETICA INC COM 550021109 200 575 SH   SOLE   0 0 575
AIR PRODS & CHEMS INC COM 009158106 300 1,097 SH   SOLE   0 0 1,097
JOHNSON & JOHNSON COM 478160104 280 1,781 SH   SOLE   0 0 1,781