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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   336 1,260 SH   SOLE   0 0 1,260
ADAMS DIVERSIFIED EQUITY FD COM 006212104   220 15,131 SH   SOLE   0 0 15,131
ADOBE SYSTEMS INCORPORATED COM 00724F101   561 1,666 SH   SOLE   0 0 1,666
ALLY FINL INC COM 02005N100   50 50,000 SH   SOLE   0 0 50,000
ALPHABET INC CAP STK CL A 02079K305   1,018 11,536 SH   SOLE   0 0 11,536
ALTRIA GROUP INC COM 02209S103   555 12,136 SH   SOLE   0 0 12,136
AMAZON COM INC COM 023135106   849 10,109 SH   SOLE   0 0 10,109
AMERICAN ELEC PWR CO INC COM 025537101   414 4,361 SH   SOLE   0 0 4,361
AMERICAN EXPRESS CO COM 025816109   263 1,781 SH   SOLE   0 0 1,781
AMERICAN WTR WKS CO INC NEW COM 030420103   663 4,351 SH   SOLE   0 0 4,351
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108   711 11,850 SH   SOLE   0 0 11,850
APPLE INC COM 037833100   1,588 12,220 SH   SOLE   0 0 12,220
ARES CAPITAL CORP COM 04010L103   612 33,122 SH   SOLE   0 0 33,122
ASML HOLDING N V N Y REGISTRY SHS N07059210   739 1,352 SH   SOLE   0 0 1,352
AT&T INC COM 00206R102   514 27,921 SH   SOLE   0 0 27,921
AVANGRID INC COM 05351W103   233 5,413 SH   SOLE   0 0 5,413
BANK AMERICA CORP COM 060505104   206 6,212 SH   SOLE   0 0 6,212
BCE INC COM NEW 05534B760   248 5,640 SH   SOLE   0 0 5,640
BECTON DICKINSON & CO COM 075887109   339 1,335 SH   SOLE   0 0 1,335
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,799 12,300 SH   SOLE   0 0 12,300
CATERPILLAR INC COM 149123101   202 844 SH   SOLE   0 0 844
CHEVRON CORP NEW COM 166764100   506 2,818 SH   SOLE   0 0 2,818
CINCINNATI FINL CORP COM 172062101   292 2,849 SH   SOLE   0 0 2,849
CINGULATE INC COMMON STOCK 17248W105   12 11,750 SH   SOLE   0 0 11,750
CINTAS CORP COM 172908105   796 1,762 SH   SOLE   0 0 1,762
CISCO SYS INC COM 17275R102   586 12,300 SH   SOLE   0 0 12,300
CITIZENS FINL GROUP INC COM 174610105   296 7,521 SH   SOLE   0 0 7,521
CME GROUP INC COM 12572Q105   423 2,516 SH   SOLE   0 0 2,516
COCA COLA CO COM 191216100   414 6,505 SH   SOLE   0 0 6,505
COMCAST CORP NEW CL A 20030N101   569 16,268 SH   SOLE   0 0 16,268
CONAGRA BRANDS INC COM 205887102   298 7,708 SH   SOLE   0 0 7,708
CONOCOPHILLIPS COM 20825C104   205 1,736 SH   SOLE   0 0 1,736
COSTCO WHSL CORP NEW COM 22160K105   702 1,538 SH   SOLE   0 0 1,538
DANAHER CORPORATION COM 235851102   807 3,039 SH   SOLE   0 0 3,039
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   2,834 68,248 SH   SOLE   0 0 68,248
DISNEY WALT CO COM 254687106   352 4,050 SH   SOLE   0 0 4,050
DOMINION ENERGY INC COM 25746U109   614 10,007 SH   SOLE   0 0 10,007
DUKE ENERGY CORP NEW COM NEW 26441C204   340 3,298 SH   SOLE   0 0 3,298
EMERSON ELEC CO COM 291011104   356 3,705 SH   SOLE   0 0 3,705
ENTERGY CORP NEW COM 29364G103   272 2,420 SH   SOLE   0 0 2,420
EOG RES INC COM 26875P101   580 4,477 SH   SOLE   0 0 4,477
EVERSOURCE ENERGY COM 30040W108   311 3,707 SH   SOLE   0 0 3,707
EXXON MOBIL CORP COM 30231G102   203 1,841 SH   SOLE   0 0 1,841
FIFTH THIRD BANCORP COM 316773100   332 10,126 SH   SOLE   0 0 10,126
FIRST HORIZON CORPORATION COM 320517105   414 16,904 SH   SOLE   0 0 16,904
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   278 5,859 SH   SOLE   0 0 5,859
GENERAL MLS INC COM 370334104   303 3,615 SH   SOLE   0 0 3,615
GENUINE PARTS CO COM 372460105   582 3,353 SH   SOLE   0 0 3,353
GILEAD SCIENCES INC COM 375558103   211 2,455 SH   SOLE   0 0 2,455
HARTFORD FINL SVCS GROUP INC COM 416515104   477 6,295 SH   SOLE   0 0 6,295
HCA HEALTHCARE INC COM 40412C101   662 2,758 SH   SOLE   0 0 2,758
HOME DEPOT INC COM 437076102   918 2,906 SH   SOLE   0 0 2,906
HUNTINGTON BANCSHARES INC COM 446150104   360 25,559 SH   SOLE   0 0 25,559
INTEL CORP COM 458140100   348 13,171 SH   SOLE   0 0 13,171
INTERNATIONAL BUSINESS MACHS COM 459200101   256 1,820 SH   SOLE   0 0 1,820
INTERNATIONAL PAPER CO COM 460146103   490 14,143 SH   SOLE   0 0 14,143
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   991 48,287 SH   SOLE   0 0 48,287
INVESCO EXCH TRD SLF IDX FD RUSL 1000 DYNM 46138J619   598 13,916 SH   SOLE   0 0 13,916
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,316 13,576 SH   SOLE   0 0 13,576
ISHARES TR CORE S&P MCP ETF 464287507   331 1,370 SH   SOLE   0 0 1,370
ISHARES TR IBOXX HI YD ETF 464288513   205 2,786 SH   SOLE   0 0 2,786
ISHARES TR MSCI USA MIN VOL 46429B697   1,770 24,553 SH   SOLE   0 0 24,553
ISHARES TR RUS MDCP VAL ETF 464287473   200 1,903 SH   SOLE   0 0 1,903
ISHARES TR SELECT DIVID ETF 464287168   696 5,769 SH   SOLE   0 0 5,769
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,793 215,308 SH   SOLE   0 0 215,308
JOHNSON & JOHNSON COM 478160104   939 5,318 SH   SOLE   0 0 5,318
JPMORGAN CHASE & CO COM 46625H100   799 5,960 SH   SOLE   0 0 5,960
KEYCORP COM 493267108   298 17,110 SH   SOLE   0 0 17,110
KIMBERLY-CLARK CORP COM 494368103   425 3,130 SH   SOLE   0 0 3,130
LOCKHEED MARTIN CORP COM 539830109   835 1,716 SH   SOLE   0 0 1,716
MARATHON PETE CORP COM 56585A102   561 4,818 SH   SOLE   0 0 4,818
MASTERCARD INCORPORATED CL A 57636Q104   802 2,305 SH   SOLE   0 0 2,305
MCDONALDS CORP COM 580135101   1,311 4,975 SH   SOLE   0 0 4,975
MEDTRONIC PLC SHS G5960L103   206 2,650 SH   SOLE   0 0 2,650
MERCK & CO INC COM 58933Y105   1,098 9,899 SH   SOLE   0 0 9,899
METLIFE INC COM 59156R108   446 6,163 SH   SOLE   0 0 6,163
MICROSOFT CORP COM 594918104   2,097 8,744 SH   SOLE   0 0 8,744
NEXTERA ENERGY INC COM 65339F101   742 8,877 SH   SOLE   0 0 8,877
NORTHROP GRUMMAN CORP COM 666807102   608 1,115 SH   SOLE   0 0 1,115
NXP SEMICONDUCTORS N V COM N6596X109   476 3,010 SH   SOLE   0 0 3,010
OGE ENERGY CORP COM 670837103   369 9,323 SH   SOLE   0 0 9,323
OLD DOMINION FREIGHT LINE IN COM 679580100   332 1,171 SH   SOLE   0 0 1,171
ONEOK INC NEW COM 682680103   348 5,294 SH   SOLE   0 0 5,294
PAYCHEX INC COM 704326107   264 2,281 SH   SOLE   0 0 2,281
PEPSICO INC COM 713448108   1,296 7,176 SH   SOLE   0 0 7,176
PFIZER INC COM 717081103   736 14,364 SH   SOLE   0 0 14,364
PHILIP MORRIS INTL INC COM 718172109   590 5,825 SH   SOLE   0 0 5,825
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   206 6,457 SH   SOLE   0 0 6,457
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   600 7,151 SH   SOLE   0 0 7,151
PROCTER AND GAMBLE CO COM 742718109   1,030 6,797 SH   SOLE   0 0 6,797
ROPER TECHNOLOGIES INC COM 776696106   500 1,158 SH   SOLE   0 0 1,158
S&P GLOBAL INC COM 78409V104   400 1,194 SH   SOLE   0 0 1,194
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   290 7,863 SH   SOLE   0 0 7,863
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   386 8,618 SH   SOLE   0 0 8,618
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,381 74,884 SH   SOLE   0 0 74,884
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   295 4,500 SH   SOLE   0 0 4,500
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   656 4,828 SH   SOLE   0 0 4,828
SHERWIN WILLIAMS CO COM 824348106   298 1,257 SH   SOLE   0 0 1,257
SONOCO PRODS CO COM 835495102   621 10,231 SH   SOLE   0 0 10,231
SOUTHERN CO COM 842587107   276 3,862 SH   SOLE   0 0 3,862
SPDR S&P 500 ETF TR TR UNIT 78462F103   210 549 SH   SOLE   0 0 549
SPDR SER TR PORTFOLIO S&P500 78464A854   1,257 27,940 SH   SOLE   0 0 27,940
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,223 24,140 SH   SOLE   0 0 24,140
STARBUCKS CORP COM 855244109   376 3,790 SH   SOLE   0 0 3,790
SYNOPSYS INC COM 871607107   231 725 SH   SOLE   0 0 725
THERMO FISHER SCIENTIFIC INC COM 883556102   1,127 2,046 SH   SOLE   0 0 2,046
TJX COS INC NEW COM 872540109   222 2,790 SH   SOLE   0 0 2,790
T-MOBILE US INC COM 872590104   801 5,725 SH   SOLE   0 0 5,725
TRANE TECHNOLOGIES PLC SHS G8994E103   411 2,445 SH   SOLE   0 0 2,445
TRUIST FINL CORP COM 89832Q109   344 8,002 SH   SOLE   0 0 8,002
UGI CORP NEW COM 902681105   301 8,132 SH   SOLE   0 0 8,132
UNILEVER PLC SPON ADR NEW 904767704   287 5,698 SH   SOLE   0 0 5,698
UNITEDHEALTH GROUP INC COM 91324P102   1,411 2,662 SH   SOLE   0 0 2,662
VALERO ENERGY CORP COM 91913Y100   243 1,917 SH   SOLE   0 0 1,917
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   233 4,602 SH   SOLE   0 0 4,602
VANGUARD INDEX FDS GROWTH ETF 922908736   1,987 9,326 SH   SOLE   0 0 9,326
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   387 2,860 SH   SOLE   0 0 2,860
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   12,685 36,105 SH   SOLE   0 0 36,105
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,480 8,063 SH   SOLE   0 0 8,063
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,335 17,444 SH   SOLE   0 0 17,444
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   350 6,353 SH   SOLE   0 0 6,353
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   884 21,069 SH   SOLE   0 0 21,069
VERIZON COMMUNICATIONS INC COM 92343V104   323 8,198 SH   SOLE   0 0 8,198
VISA INC COM CL A 92826C839   957 4,605 SH   SOLE   0 0 4,605
WALMART INC COM 931142103   923 6,509 SH   SOLE   0 0 6,509
WILLIAMS COS INC COM 969457100   696 21,156 SH   SOLE   0 0 21,156
ZOETIS INC CL A 98978V103   419 2,857 SH   SOLE   0 0 2,857