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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 534 1,470 SH   SOLE   0 0 1,470
ISHARES TR CORE S&P500 ETF 464287200 5,544 11,624 SH   SOLE   0 0 11,624
ISHARES TR S&P 500 GRWT ETF 464287309 237 2,832 SH   SOLE   0 0 2,832
ISHARES TR RUS 1000 GRW ETF 464287614 311 1,019 SH   SOLE   0 0 1,019
ISHARES TR RUSSELL 2000 ETF 464287655 224 1,007 SH   SOLE   0 0 1,007
ISHARES TR RUS 2000 VAL ETF 464287630 417 2,513 SH   SOLE   0 0 2,513
SPDR S&P 500 ETF TR TR UNIT 78462F103 989 2,083 SH   SOLE   0 0 2,083
AGILENT TECHNOLOGIES INC COM 00846U101 433 2,713 SH   SOLE   0 0 2,713
AMAZON COM INC COM 023135106 2,128 638 SH   SOLE   0 0 638
BRISTOL-MYERS SQUIBB CO COM 110122108 439 7,035 SH   SOLE   0 0 7,035
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 444 1,486 SH   SOLE   0 0 1,486
BOEING CO COM 097023105 318 1,581 SH   SOLE   0 0 1,581
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 2,412 90,178 SH   SOLE   0 0 90,178
INVESCO QQQ TR UNIT SER 1 46090E103 835 2,099 SH   SOLE   0 0 2,099
INTEL CORP COM 458140100 339 6,585 SH   SOLE   0 0 6,585
ORACLE CORP COM 68389X105 498 5,714 SH   SOLE   0 0 5,714
DISNEY WALT CO COM 254687106 401 2,592 SH   SOLE   0 0 2,592
US BANCORP DEL COM NEW 902973304 459 8,166 SH   SOLE   0 0 8,166
JOHNSON & JOHNSON COM 478160104 1,089 6,364 SH   SOLE   0 0 6,364
PFIZER INC COM 717081103 521 8,827 SH   SOLE   0 0 8,827
LOWES COS INC COM 548661107 363 1,403 SH   SOLE   0 0 1,403
ISHARES TR MSCI EAFE ETF 464287465 3,733 47,441 SH   SOLE   0 0 47,441
MICROSOFT CORP COM 594918104 4,083 12,140 SH   SOLE   0 0 12,140
UNITED PARCEL SERVICE INC CL B 911312106 761 3,552 SH   SOLE   0 0 3,552
AT&T INC COM 00206R102 564 22,921 SH   SOLE   0 0 22,921
CISCO SYS INC COM 17275R102 894 14,105 SH   SOLE   0 0 14,105
INTERNATIONAL BUSINESS MACHS COM 459200101 398 2,975 SH   SOLE   0 0 2,975
COCA COLA CO COM 191216100 377 6,368 SH   SOLE   0 0 6,368
VERIZON COMMUNICATIONS INC COM 92343V104 969 18,641 SH   SOLE   0 0 18,641
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,379 98,904 SH   SOLE   0 0 98,904
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,873 74,051 SH   SOLE   0 0 74,051
SPDR SER TR PRTFLO S&P500 GW 78464A409 274 3,779 SH   SOLE   0 0 3,779
ISHARES TR RUS MD CP GR ETF 464287481 2,322 20,157 SH   SOLE   0 0 20,157
ISHARES TR RUS MDCP VAL ETF 464287473 4,094 33,455 SH   SOLE   0 0 33,455
SELECT SECTOR SPDR TR ENERGY 81369Y506 302 5,437 SH   SOLE   0 0 5,437
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 342 2,428 SH   SOLE   0 0 2,428
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 692 3,387 SH   SOLE   0 0 3,387
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 495 2,882 SH   SOLE   0 0 2,882
BK OF AMERICA CORP COM 060505104 438 9,840 SH   SOLE   0 0 9,840
STARBUCKS CORP COM 855244109 318 2,716 SH   SOLE   0 0 2,716
AUTOMATIC DATA PROCESSING IN COM 053015103 204 828 SH   SOLE   0 0 828
EXXON MOBIL CORP COM 30231G102 472 7,714 SH   SOLE   0 0 7,714
WALMART INC COM 931142103 342 2,365 SH   SOLE   0 0 2,365
UNION PAC CORP COM 907818108 283 1,122 SH   SOLE   0 0 1,122
LILLY ELI & CO COM 532457108 263 951 SH   SOLE   0 0 951
STATE STR CORP COM 857477103 583 6,265 SH   SOLE   0 0 6,265
MERCK & CO INC COM 58933Y105 334 4,352 SH   SOLE   0 0 4,352
PROCTER AND GAMBLE CO COM 742718109 388 2,369 SH   SOLE   0 0 2,369
GENERAL ELECTRIC CO COM NEW 369604301 1,550 16,406 SH   SOLE   0 0 16,406
GILEAD SCIENCES INC COM 375558103 671 9,248 SH   SOLE   0 0 9,248
HOME DEPOT INC COM 437076102 421 1,013 SH   SOLE   0 0 1,013
MCDONALDS CORP COM 580135101 464 1,731 SH   SOLE   0 0 1,731
NIKE INC CL B 654106103 426 2,555 SH   SOLE   0 0 2,555
TJX COS INC NEW COM 872540109 422 5,564 SH   SOLE   0 0 5,564
WELLS FARGO CO NEW COM 949746101 205 4,280 SH   SOLE   0 0 4,280
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 256 618 SH   SOLE   0 0 618
MARRIOTT INTL INC NEW CL A 571903202 224 1,357 SH   SOLE   0 0 1,357
MARSH & MCLENNAN COS INC COM 571748102 680 3,912 SH   SOLE   0 0 3,912
3M CO COM 88579Y101 245 1,377 SH   SOLE   0 0 1,377
COMCAST CORP NEW CL A 20030N101 473 9,398 SH   SOLE   0 0 9,398
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,019 33,214 SH   SOLE   0 0 33,214
NEXTERA ENERGY INC COM 65339F101 339 3,632 SH   SOLE   0 0 3,632
APPLE INC COM 037833100 8,444 47,553 SH   SOLE   0 0 47,553
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,345 127,271 SH   SOLE   0 0 127,271
PPL CORP COM 69351T106 225 7,470 SH   SOLE   0 0 7,470
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 27,387 168,278 SH   SOLE   0 0 168,278
NETAPP INC COM 64110D104 218 2,375 SH   SOLE   0 0 2,375
AON PLC SHS CL A G0403H108 861 2,864 SH   SOLE   0 0 2,864
AMERICAN EXPRESS CO COM 025816109 1,030 6,298 SH   SOLE   0 0 6,298
S&P GLOBAL INC COM 78409V104 205 434 SH   SOLE   0 0 434
CHEMED CORP NEW COM 16359R103 325 614 SH   SOLE   0 0 614
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,299 26,256 SH   SOLE   0 0 26,256
ANNALY CAPITAL MANAGEMENT IN COM 035710409 339 43,341 SH   SOLE   0 0 43,341
NETFLIX INC COM 64110L106 270 449 SH   SOLE   0 0 449
ISHARES TR CORE US AGGBD ET 464287226 2,896 25,386 SH   SOLE   0 0 25,386
NVIDIA CORPORATION COM 67066G104 855 2,907 SH   SOLE   0 0 2,907
VERTEX PHARMACEUTICALS INC COM 92532F100 649 2,954 SH   SOLE   0 0 2,954
TRIMBLE INC COM 896239100 596 6,830 SH   SOLE   0 0 6,830
CINCINNATI FINL CORP COM 172062101 283 2,485 SH   SOLE   0 0 2,485
TYSON FOODS INC CL A 902494103 316 3,620 SH   SOLE   0 0 3,620
CINTAS CORP COM 172908105 391 882 SH   SOLE   0 0 882
ALPHABET INC CAP STK CL A 02079K305 1,338 462 SH   SOLE   0 0 462
VANGUARD INDEX FDS VALUE ETF 922908744 365 2,479 SH   SOLE   0 0 2,479
REGENERON PHARMACEUTICALS COM 75886F107 1,744 2,761 SH   SOLE   0 0 2,761
VANGUARD INDEX FDS MID CAP ETF 922908629 230 903 SH   SOLE   0 0 903
VANGUARD INDEX FDS SM CP VAL ETF 922908611 6,589 36,840 SH   SOLE   0 0 36,840
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,040 26,727 SH   SOLE   0 0 26,727
VANGUARD INDEX FDS GROWTH ETF 922908736 598 1,863 SH   SOLE   0 0 1,863
GLOBE LIFE INC COM 37959E102 269 2,869 SH   SOLE   0 0 2,869
VANGUARD INDEX FDS SML CP GRW ETF 922908595 6,582 23,356 SH   SOLE   0 0 23,356
VANGUARD WORLD FDS UTILITIES ETF 92204A876 205 1,310 SH   SOLE   0 0 1,310
VIACOMCBS INC CL B 92556H206 272 9,009 SH   SOLE   0 0 9,009
CHOICE HOTELS INTL INC COM 169905106 408 2,618 SH   SOLE   0 0 2,618
ISHARES GOLD TR ISHARES NEW 464285204 210 6,044 SH   SOLE   0 0 6,044
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 5,092 13,795 SH   SOLE   0 0 13,795
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,298 7,199 SH   SOLE   0 0 7,199
SPDR SER TR S&P BIOTECH 78464A870 1,066 9,520 SH   SOLE   0 0 9,520
SPDR SER TR S&P 400 MDCP VAL 78464A839 21,961 308,872 SH   SOLE   0 0 308,872
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 212 1,044 SH   SOLE   0 0 1,044
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,646 94,462 SH   SOLE   0 0 94,462
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 215 3,449 SH   SOLE   0 0 3,449
CASSAVA SCIENCES INC COM 14817C107 267 6,108 SH   SOLE   0 0 6,108
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 15,964 62,697 SH   SOLE   0 0 62,697
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 15,472 102,923 SH   SOLE   0 0 102,923
SPDR SER TR S&P 400 MDCP GRW 78464A821 28,237 346,338 SH   SOLE   0 0 346,338
ISHARES TR IBOXX HI YD ETF 464288513 5,545 63,723 SH   SOLE   0 0 63,723
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 451 5,584 SH   SOLE   0 0 5,584
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 234 2,760 SH   SOLE   0 0 2,760
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,496 60,170 SH   SOLE   0 0 60,170
BLACKSTONE INC COM 09260D107 205 1,581 SH   SOLE   0 0 1,581
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 334 1,586 SH   SOLE   0 0 1,586
ISHARES TR NATIONAL MUN ETF 464288414 9,935 85,437 SH   SOLE   0 0 85,437
SPDR SER TR NUVEEN BRC MUNIC 78468R721 14,364 277,674 SH   SOLE   0 0 277,674
SPDR SER TR BLMBRG BRC CNVRT 78464A359 10,319 124,391 SH   SOLE   0 0 124,391
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 214 8,108 SH   SOLE   0 0 8,108
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,847 15,124 SH   SOLE   0 0 15,124
ISHARES TR JPMORGAN USD EMG 464288281 279 2,554 SH   SOLE   0 0 2,554
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 222 8,190 SH   SOLE   0 0 8,190
ISHARES TR EAFE SML CP ETF 464288273 2,033 27,821 SH   SOLE   0 0 27,821
VISA INC COM CL A 92826C839 254 1,174 SH   SOLE   0 0 1,174
SPDR SER TR PORTFOLIO LN TSR 78464A664 14,768 350,378 SH   SOLE   0 0 350,378
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,159 6,895 SH   SOLE   0 0 6,895
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 225 5,789 SH   SOLE   0 0 5,789
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 8,934 595,584 SH   SOLE   0 0 595,584
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 2,983 153,602 SH   SOLE   0 0 153,602
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 313 1,582 SH   SOLE   0 0 1,582
ISHARES TR ASIA 50 ETF 464288430 1,781 23,257 SH   SOLE   0 0 23,257
INSULET CORP COM 45784P101 278 1,046 SH   SOLE   0 0 1,046
FRANCO NEV CORP COM 351858105 315 2,278 SH   SOLE   0 0 2,278
ISHARES TR SHRT NAT MUN ETF 464288158 228 2,127 SH   SOLE   0 0 2,127
FS KKR CAP CORP COM 302635206 209 9,969 SH   SOLE   0 0 9,969
SPDR SER TR ICE PFD SEC ETF 78464A292 345 8,036 SH   SOLE   0 0 8,036
ISHARES TR RUS TP200 GR ETF 464289438 901 5,198 SH   SOLE   0 0 5,198
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 229 2,023 SH   SOLE   0 0 2,023
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 71,315 1,834,695 SH   SOLE   0 0 1,834,695
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 133,665 1,174,358 SH   SOLE   0 0 1,174,358
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 583 18,073 SH   SOLE   0 0 18,073
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,003 19,565 SH   SOLE   0 0 19,565
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 105,780 645,983 SH   SOLE   0 0 645,983
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 33,136 809,576 SH   SOLE   0 0 809,576
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 11,214 378,594 SH   SOLE   0 0 378,594
TESLA INC COM 88160R101 1,740 1,646 SH   SOLE   0 0 1,646
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 10,398 185,212 SH   SOLE   0 0 185,212
SCHWAB STRATEGIC TR US TIPS ETF 808524870 18,104 287,866 SH   SOLE   0 0 287,866
PIMCO ETF TR INV GRD CRP BD 72201R817 12,981 115,037 SH   SOLE   0 0 115,037
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 1,092 13,901 SH   SOLE   0 0 13,901
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,021 2,338 SH   SOLE   0 0 2,338
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,230 15,294 SH   SOLE   0 0 15,294
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 5,720 258,804 SH   SOLE   0 0 258,804
SPDR SER TR NUVEEN BBG BRCLY 78464A284 3,596 59,854 SH   SOLE   0 0 59,854
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 77,085 1,430,148 SH   SOLE   0 0 1,430,148
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,514 43,474 SH   SOLE   0 0 43,474
VERASTEM INC COM 92337C104 64 31,054 SH   SOLE   0 0 31,054
FACEBOOK INC CL A 30303M102 562 1,672 SH   SOLE   0 0 1,672
ISHARES INC CORE MSCI EMKT 46434G103 480 8,012 SH   SOLE   0 0 8,012
ISHARES TR CORE MSCI TOTAL 46432F834 1,670 23,544 SH   SOLE   0 0 23,544
ISHARES TR CORE MSCI EAFE 46432F842 4,816 64,518 SH   SOLE   0 0 64,518
ABBVIE INC COM 00287Y109 2,094 15,467 SH   SOLE   0 0 15,467
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 220 4,818 SH   SOLE   0 0 4,818
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 223 4,034 SH   SOLE   0 0 4,034
DBX ETF TR XTRACK MUN INFRA 233051705 4,864 166,219 SH   SOLE   0 0 166,219
GLOBAL X FDS S&P 500 COVERED 37954Y475 2,866 56,733 SH   SOLE   0 0 56,733
HEPION PHARMACEUTICALS INC COM 426897104 71 62,168 SH   SOLE   0 0 62,168
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,095 217,488 SH   SOLE   0 0 217,488
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 18,731 604,418 SH   SOLE   0 0 604,418
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 111,092 1,895,451 SH   SOLE   0 0 1,895,451
ISHARES TR 0-5YR HI YL CP 46434V407 522 11,522 SH   SOLE   0 0 11,522
WISDOMTREE TR INTRST RATE HDGE 97717W380 2,396 51,333 SH   SOLE   0 0 51,333
WISDOMTREE TR HEDGED HI YLD BD 97717W430 3,654 164,071 SH   SOLE   0 0 164,071
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 793 31,522 SH   SOLE   0 0 31,522
ALPHABET INC CAP STK CL C 02079K107 822 284 SH   SOLE   0 0 284
T2 BIOSYSTEMS INC COM 89853L104 58 113,201 SH   SOLE   0 0 113,201
KEYSIGHT TECHNOLOGIES INC COM 49338L103 226 1,096 SH   SOLE   0 0 1,096
CORBUS PHARMACEUTICALS HLDGS COM 21833P103 6 10,006 SH   SOLE   0 0 10,006
PAYPAL HLDGS INC COM 70450Y103 272 1,445 SH   SOLE   0 0 1,445
ISHARES TR MSCI INTL SML CP 46434V266 2,148 59,248 SH   SOLE   0 0 59,248
ISHARES TR CONV BD ETF 46435G102 281 3,154 SH   SOLE   0 0 3,154
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,360 24,771 SH   SOLE   0 0 24,771
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 3,589 37,726 SH   SOLE   0 0 37,726
SPDR SER TR PRTFLO S&P500 HI 78468R788 309 7,340 SH   SOLE   0 0 7,340
SPDR SER TR MSCI USA STRTGIC 78468R812 2,974 22,773 SH   SOLE   0 0 22,773
SENSEONICS HLDGS INC COM 81727U105 67 25,000 SH   SOLE   0 0 25,000
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 1,717 44,956 SH   SOLE   0 0 44,956
LEAP THERAPEUTICS INC COM 52187K101 106 32,784 SH   SOLE   0 0 32,784
WORLD GOLD TR SPDR GLD MINIS 98149E204 182 10,024 SH   SOLE   0 0 10,024
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 5,318 153,960 SH   SOLE   0 0 153,960
MODERNA INC COM 60770K107 945 3,720 SH   SOLE   0 0 3,720
GAMIDA CELL LTD SHS M47364100 65 25,629 SH   SOLE   0 0 25,629
DOW INC COM 260557103 414 7,293 SH   SOLE   0 0 7,293
DESKTOP METAL INC COM CL A 25058X105 10 2,015 SH   SOLE   0 0 2,015
DYNATRACE INC COM NEW 268150109 862 14,291 SH   SOLE   0 0 14,291
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 489 24,792 SH   SOLE   0 0 24,792
LUCID GROUP INC COM 549498103 377 9,915 SH   SOLE   0 0 9,915
DESKTOP METAL INC COM CL A 25058X105 5 6,000 SH Call SOLE   0 0 6,000
DESKTOP METAL INC COM CL A 25058X105 29 16,000 SH Call SOLE   0 0 16,000