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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
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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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   1,319,941 14,984 SH   SOLE 0 0 0 14,984
ALPHABET INC CAP STK CL C 02079K107   1,759,960 19,835 SH   SOLE 0 0 0 19,835
AMAZON COM INC COM 023135106   1,877,484 22,351 SH   SOLE 0 0 0 22,351
APPLE INC COM 037833100   2,062,153 15,871 SH   SOLE 0 0 0 15,871
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,974,180 6,391 SH   SOLE 0 0 0 6,391
BP PLC SPONSORED ADR 055622104   314,370 9,000 SH   SOLE 0 0 0 9,000
CHEVRON CORP NEW COM 166764100   354,510 1,975 SH   SOLE 0 0 0 1,975
COCA COLA CO COM 191216100   312,261 4,909 SH   SOLE 0 0 0 4,909
CSX CORP COM 126408103   334,584 10,800 SH   SOLE 0 0 0 10,800
DEERE & CO COM 244199105   217,813 508 SH   SOLE 0 0 0 508
EXXON MOBIL CORP COM 30231G102   1,996,201 18,098 SH   SOLE 0 0 0 18,098
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   341,748 6,820 SH   SOLE 0 0 0 6,820
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   9,339,725 474,821 SH   SOLE 0 0 0 474,821
FORD MTR CO DEL COM 345370860   1,152,221 99,073 SH   SOLE 0 0 0 99,073
GRANITESHARES GOLD TR SHS BEN INT 38748G101   784,110 43,441 SH   SOLE 0 0 0 43,441
HCA HEALTHCARE INC COM 40412C101   1,266,709 5,279 SH   SOLE 0 0 0 5,279
HUNTINGTON BANCSHARES INC COM 446150104   283,423 20,101 SH   SOLE 0 0 0 20,101
ISHARES INC JP MORGAN EM ETF 464286517   6,101,219 175,777 SH   SOLE 0 0 0 175,777
ISHARES INC CORE MSCI EMKT 46434G103   204,747 4,384 SH   SOLE 0 0 0 4,384
ISHARES TR GRWT ALLOCAT ETF 464289867   284,186 6,026 SH   SOLE 0 0 0 6,026
ISHARES TR CORE S&P SCP ETF 464287804   275,415 2,910 SH   SOLE 0 0 0 2,910
ISHARES TR NATIONAL MUN ETF 464288414   635,547 6,023 SH   SOLE 0 0 0 6,023
ISHARES TR SHRT NAT MUN ETF 464288158   628,222 6,025 SH   SOLE 0 0 0 6,025
ISHARES TR TIPS BD ETF 464287176   256,371 2,409 SH   SOLE 0 0 0 2,409
ISHARES TR AGGRES ALLOC ETF 464289859   431,813 7,227 SH   SOLE 0 0 0 7,227
ISHARES TR CORE US AGGBD ET 464287226   1,049,818 10,824 SH   SOLE 0 0 0 10,824
ISHARES TR CORE S&P500 ETF 464287200   652,691 1,699 SH   SOLE 0 0 0 1,699
ISHARES TR CORE S&P MCP ETF 464287507   3,273,573 13,533 SH   SOLE 0 0 0 13,533
ISHARES TR 0-5YR HI YL CP 46434V407   5,805,774 141,985 SH   SOLE 0 0 0 141,985
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   252,475 5,081 SH   SOLE 0 0 0 5,081
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   355,622 7,094 SH   SOLE 0 0 0 7,094
JPMORGAN CHASE & CO COM 46625H100   1,356,984 10,119 SH   SOLE 0 0 0 10,119
KLA CORP COM NEW 482480100   1,225,597 3,251 SH   SOLE 0 0 0 3,251
LITMAN GREGORY FDS TR IMGP DBI MANAGED 53700T827   299,984 10,305 SH   SOLE 0 0 0 10,305
LOWES COS INC COM 548661107   1,203,633 6,041 SH   SOLE 0 0 0 6,041
MCDONALDS CORP COM 580135101   508,349 1,929 SH   SOLE 0 0 0 1,929
MERCK & CO INC COM 58933Y105   499,053 4,498 SH   SOLE 0 0 0 4,498
METLIFE INC COM 59156R108   942,930 13,029 SH   SOLE 0 0 0 13,029
MICROSOFT CORP COM 594918104   1,297,986 5,412 SH   SOLE 0 0 0 5,412
NEXTERA ENERGY INC COM 65339F101   441,056 5,276 SH   SOLE 0 0 0 5,276
NIKE INC CL B 654106103   433,492 3,705 SH   SOLE 0 0 0 3,705
PEPSICO INC COM 713448108   1,246,785 6,901 SH   SOLE 0 0 0 6,901
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,569,432 15,909 SH   SOLE 0 0 0 15,909
PROCTER AND GAMBLE CO COM 742718109   1,683,965 11,111 SH   SOLE 0 0 0 11,111
PROGRESSIVE CORP COM 743315103   1,304,645 10,058 SH   SOLE 0 0 0 10,058
SCHWAB STRATEGIC TR US TIPS ETF 808524870   8,520,873 164,527 SH   SOLE 0 0 0 164,527
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   13,204,551 247,091 SH   SOLE 0 0 0 247,091
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   430,169 9,174 SH   SOLE 0 0 0 9,174
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,607,389 24,347 SH   SOLE 0 0 0 24,347
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   15,363,017 466,111 SH   SOLE 0 0 0 466,111
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   1,578,753 32,259 SH   SOLE 0 0 0 32,259
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434   3,336,000 52,044 SH   SOLE 0 0 0 52,044
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   24,439,020 823,140 SH   SOLE 0 0 0 823,140
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,386,475 47,143 SH   SOLE 0 0 0 47,143
SPDR SER TR S&P 600 SMCP VAL 78464A300   9,057,885 122,041 SH   SOLE 0 0 0 122,041
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,140,025 57,309 SH   SOLE 0 0 0 57,309
SPDR SER TR NUVEEN BLMBRG SH 78468R739   561,928 11,961 SH   SOLE 0 0 0 11,961
SPDR SER TR PORTFLI TIPS ETF 78464A656   790,008 30,668 SH   SOLE 0 0 0 30,668
SPDR SER TR PORTFOLIO AGRGTE 78464A649   13,094,554 521,073 SH   SOLE 0 0 0 521,073
SPDR SER TR BLOOMBERG SHT TE 78468R408   344,766 14,223 SH   SOLE 0 0 0 14,223
SPDR SER TR BLOOMBERG EMERGI 78464A391   420,149 20,435 SH   SOLE 0 0 0 20,435
SPDR SER TR NUVEEN BLOOMBERG 78464A284   212,971 4,349 SH   SOLE 0 0 0 4,349
SPDR SER TR PORTFOLIO S&P400 78464A847   14,017,451 329,822 SH   SOLE 0 0 0 329,822
SPDR SER TR PORTFOLI S&P1500 78464A805   36,861,800 779,484 SH   SOLE 0 0 0 779,484
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   301,301 7,525 SH   SOLE 0 0 0 7,525
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   211,128 6,726 SH   SOLE 0 0 0 6,726
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   597,572 11,821 SH   SOLE 0 0 0 11,821
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,025,379 6,529 SH   SOLE 0 0 0 6,529
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   642,272 8,940 SH   SOLE 0 0 0 8,940
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,964,095 10,273 SH   SOLE 0 0 0 10,273
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,596,844 92,274 SH   SOLE 0 0 0 92,274
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,282,163 25,908 SH   SOLE 0 0 0 25,908
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,903,449 91,813 SH   SOLE 0 0 0 91,813
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,763,007 113,486 SH   SOLE 0 0 0 113,486
VERIZON COMMUNICATIONS INC COM 92343V104   1,802,996 45,761 SH   SOLE 0 0 0 45,761
WALMART INC COM 931142103   247,707 1,747 SH   SOLE 0 0 0 1,747
WASTE MGMT INC DEL COM 94106L109   297,956 1,899 SH   SOLE 0 0 0 1,899
WORLD GOLD TR SPDR GLD MINIS 98149E303   7,802,094 215,587 SH   SOLE 0 0 0 215,587