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
3M CO COM 88579Y101 285 1,777 SH   SOLE   0 0 1,777
ABBOTT LABS COM 002824100 1,001 9,202 SH   SOLE   0 0 9,202
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 334 1,478 SH   SOLE   0 0 1,478
ADOBE SYSTEMS INCORPORATED COM 00724F101 241 492 SH   SOLE   0 0 492
AFLAC INC COM 001055102 255 7,006 SH   SOLE   0 0 7,006
AIR PRODS & CHEMS INC COM 009158106 276 927 SH   SOLE   0 0 927
ALLSTATE CORP COM 020002101 368 3,912 SH   SOLE   0 0 3,912
ALPHABET INC CAP STK CL C 02079K107 265 180 SH   SOLE   0 0 180
AMAZON COM INC COM 023135106 1,033 328 SH   SOLE   0 0 328
AMERICAN ELEC PWR CO INC COM 025537101 1,411 17,265 SH   SOLE   0 0 17,265
AMGEN INC COM 031162100 221 870 SH   SOLE   0 0 870
ANALOG DEVICES INC COM 032654105 342 2,927 SH   SOLE   0 0 2,927
APPLE INC COM 037833100 7,257 62,665 SH   SOLE   0 0 62,665
AT&T INC COM 00206R102 582 20,418 SH   SOLE   0 0 20,418
AUTOMATIC DATA PROCESSING IN COM 053015103 698 5,006 SH   SOLE   0 0 5,006
BECTON DICKINSON & CO COM 075887109 352 1,511 SH   SOLE   0 0 1,511
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 785 3,685 SH   SOLE   0 0 3,685
BOEING CO COM 097023105 754 4,564 SH   SOLE   0 0 4,564
BRISTOL-MYERS SQUIBB CO COM 110122108 806 13,366 SH   SOLE   0 0 13,366
CATERPILLAR INC DEL COM 149123101 793 5,320 SH   SOLE   0 0 5,320
CHEVRON CORP NEW COM 166764100 391 5,437 SH   SOLE   0 0 5,437
CHUBB LIMITED COM H1467J104 212 1,829 SH   SOLE   0 0 1,829
CINCINNATI FINL CORP COM 172062101 361 4,626 SH   SOLE   0 0 4,626
CISCO SYS INC COM 17275R102 895 22,718 SH   SOLE   0 0 22,718
COCA COLA CO COM 191216100 720 14,581 SH   SOLE   0 0 14,581
COLGATE PALMOLIVE CO COM 194162103 431 5,581 SH   SOLE   0 0 5,581
COMCAST CORP NEW CL A 20030N101 286 6,172 SH   SOLE   0 0 6,172
COSTCO WHSL CORP NEW COM 22160K105 463 1,305 SH   SOLE   0 0 1,305
DISNEY WALT CO COM DISNEY 254687106 1,393 11,230 SH   SOLE   0 0 11,230
DNP SELECT INCOME FD INC COM 23325P104 693 69,057 SH   SOLE   0 0 69,057
DOMINION ENERGY INC COM 25746U109 304 3,857 SH   SOLE   0 0 3,857
ENBRIDGE INC COM 29250N105 350 11,984 SH   SOLE   0 0 11,984
EVERSOURCE ENERGY COM 30040W108 217 2,595 SH   SOLE   0 0 2,595
EXXON MOBIL CORP COM 30231G102 502 14,628 SH   SOLE   0 0 14,628
FACEBOOK INC CL A 30303M102 273 1,043 SH   SOLE   0 0 1,043
FACTSET RESH SYS INC COM 303075105 268 800 SH   SOLE   0 0 800
FORD MTR CO DEL COM 345370860 209 31,346 SH   SOLE   0 0 31,346
HOME DEPOT INC COM 437076102 1,357 4,887 SH   SOLE   0 0 4,887
ILLINOIS TOOL WKS INC COM 452308109 286 1,479 SH   SOLE   0 0 1,479
INTEL CORP COM 458140100 547 10,559 SH   SOLE   0 0 10,559
INTERNATIONAL BUSINESS MACHS COM 459200101 449 3,692 SH   SOLE   0 0 3,692
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 586 10,933 SH   SOLE   0 0 10,933
INVESCO EXCHANGE TRADED FD T DYNMC LEISURE 46137V720 226 7,040 SH   SOLE   0 0 7,040
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 683 8,938 SH   SOLE   0 0 8,938
ISHARES INC MSCI EMERG MRKT 464286533 216 3,916 SH   SOLE   0 0 3,916
ISHARES SILVER TR ISHARES 46428Q109 445 20,574 SH   SOLE   0 0 20,574
ISHARES TR RUS 1000 GRW ETF 464287614 10,795 49,769 SH   SOLE   0 0 49,769
ISHARES TR CORE HIGH DV ETF 46429B663 751 9,335 SH   SOLE   0 0 9,335
ISHARES TR 0-5 YR TIPS ETF 46429B747 705 6,778 SH   SOLE   0 0 6,778
ISHARES TR CORE S&P500 ETF 464287200 4,466 13,289 SH   SOLE   0 0 13,289
ISHARES TR S&P 500 VAL ETF 464287408 2,026 18,021 SH   SOLE   0 0 18,021
ISHARES TR RUS 1000 VAL ETF 464287598 8,838 74,817 SH   SOLE   0 0 74,817
ISHARES TR S&P 500 GRWT ETF 464287309 2,591 11,213 SH   SOLE   0 0 11,213
ISHARES TR RUS 2000 GRW ETF 464287648 1,441 6,503 SH   SOLE   0 0 6,503
ISHARES TR RUS MDCP VAL ETF 464287473 1,797 22,226 SH   SOLE   0 0 22,226
ISHARES TR MSCI USA MIN VOL 46429B697 5,099 80,007 SH   SOLE   0 0 80,007
ISHARES TR ISHS 5-10YR INVT 464288638 1,346 22,129 SH   SOLE   0 0 22,129
ISHARES TR RUS 2000 VAL ETF 464287630 2,058 20,720 SH   SOLE   0 0 20,720
ISHARES TR CORE S&P MCP ETF 464287507 1,810 9,770 SH   SOLE   0 0 9,770
ISHARES TR MSCI EAFE MIN VL 46429B689 2,303 33,799 SH   SOLE   0 0 33,799
ISHARES TR ISHS 1-5YR INVS 464288646 1,603 29,193 SH   SOLE   0 0 29,193
ISHARES TR 0-5YR HI YL CP 46434V407 1,113 25,324 SH   SOLE   0 0 25,324
ISHARES TR RUSSELL 2000 ETF 464287655 637 4,254 SH   SOLE   0 0 4,254
ISHARES TR RUS MD CP GR ETF 464287481 2,444 14,138 SH   SOLE   0 0 14,138
ISHARES TR MSCI EAFE ETF 464287465 3,190 50,124 SH   SOLE   0 0 50,124
ISHARES TR NATIONAL MUN ETF 464288414 878 7,577 SH   SOLE   0 0 7,577
ISHARES TR CORE DIV GRWTH 46434V621 714 17,944 SH   SOLE   0 0 17,944
ISHARES TR CORE MSCI EAFE 46432F842 6,376 105,774 SH   SOLE   0 0 105,774
JOHNSON & JOHNSON COM 478160104 1,264 8,493 SH   SOLE   0 0 8,493
JPMORGAN CHASE & CO COM 46625H100 1,896 19,694 SH   SOLE   0 0 19,694
L3HARRIS TECHNOLOGIES INC COM 502431109 290 1,710 SH   SOLE   0 0 1,710
LCNB CORP COM 50181P100 159 11,678 SH   SOLE   0 0 11,678
LILLY ELI & CO COM 532457108 882 5,960 SH   SOLE   0 0 5,960
LOCKHEED MARTIN CORP COM 539830109 849 2,215 SH   SOLE   0 0 2,215
LOWES COS INC COM 548661107 639 3,850 SH   SOLE   0 0 3,850
MCDONALDS CORP COM 580135101 568 2,586 SH   SOLE   0 0 2,586
MEDTRONIC PLC SHS G5960L103 383 3,687 SH   SOLE   0 0 3,687
MERCK & CO. INC COM 58933Y105 362 4,365 SH   SOLE   0 0 4,365
MICROSOFT CORP COM 594918104 5,577 26,517 SH   SOLE   0 0 26,517
NEXTERA ENERGY INC COM 65339F101 716 2,579 SH   SOLE   0 0 2,579
NIKE INC CL B 654106103 388 3,093 SH   SOLE   0 0 3,093
NORFOLK SOUTHN CORP COM 655844108 376 1,758 SH   SOLE   0 0 1,758
ORACLE CORP COM 68389X105 778 13,037 SH   SOLE   0 0 13,037
PAYCHEX INC COM 704326107 236 2,957 SH   SOLE   0 0 2,957
PEPSICO INC COM 713448108 881 6,358 SH   SOLE   0 0 6,358
PFIZER INC COM 717081103 840 22,889 SH   SOLE   0 0 22,889
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 6,745 66,150 SH   SOLE   0 0 66,150
PRICE T ROWE GROUP INC COM 74144T108 235 1,831 SH   SOLE   0 0 1,831
PROCTER AND GAMBLE CO COM 742718109 1,400 10,070 SH   SOLE   0 0 10,070
PROGRESSIVE CORP COM 743315103 406 4,289 SH   SOLE   0 0 4,289
SCOTTS MIRACLE GRO CO CL A 810186106 247 1,612 SH   SOLE   0 0 1,612
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,130 35,876 SH   SOLE   0 0 35,876
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 276 2,612 SH   SOLE   0 0 2,612
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 239 4,016 SH   SOLE   0 0 4,016
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 266 1,807 SH   SOLE   0 0 1,807
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 318 2,725 SH   SOLE   0 0 2,725
SIRIUS XM HOLDINGS INC COM 82968B103 195 36,305 SH   SOLE   0 0 36,305
SPDR GOLD TR GOLD SHS 78463V107 220 1,241 SH   SOLE   0 0 1,241
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,025 6,046 SH   SOLE   0 0 6,046
SPDR SER TR NUVEEN BLMBRG SR 78468R739 273 5,474 SH   SOLE   0 0 5,474
SPDR SER TR S&P DIVID ETF 78464A763 1,435 15,528 SH   SOLE   0 0 15,528
SYSCO CORP COM 871829107 206 3,306 SH   SOLE   0 0 3,306
TESLA INC COM 88160R101 4,200 9,790 SH   SOLE   0 0 9,790
THERMO FISHER SCIENTIFIC INC COM 883556102 546 1,237 SH   SOLE   0 0 1,237
TIFFANY & CO NEW COM 886547108 371 3,200 SH   SOLE   0 0 3,200
TIMKEN CO COM 887389104 252 4,647 SH   SOLE   0 0 4,647
TORO CO COM 891092108 322 3,836 SH   SOLE   0 0 3,836
UNITEDHEALTH GROUP INC COM 91324P102 573 1,837 SH   SOLE   0 0 1,837
V F CORP COM 918204108 234 3,324 SH   SOLE   0 0 3,324
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 362 4,104 SH   SOLE   0 0 4,104
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,570 42,985 SH   SOLE   0 0 42,985
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 600 10,318 SH   SOLE   0 0 10,318
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 308 1,000 SH   SOLE   0 0 1,000
VANGUARD INDEX FDS MID CAP ETF 922908629 3,316 18,811 SH   SOLE   0 0 18,811
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,543 19,536 SH   SOLE   0 0 19,536
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,271 14,766 SH   SOLE   0 0 14,766
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,497 14,219 SH   SOLE   0 0 14,219
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,781 87,444 SH   SOLE   0 0 87,444
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 246 2,371 SH   SOLE   0 0 2,371
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 278 1,795 SH   SOLE   0 0 1,795
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,088 24,005 SH   SOLE   0 0 24,005
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,938 120,723 SH   SOLE   0 0 120,723
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,115 29,367 SH   SOLE   0 0 29,367
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 241 4,120 SH   SOLE   0 0 4,120
VERIZON COMMUNICATIONS INC COM 92343V104 1,232 20,705 SH   SOLE   0 0 20,705
VISA INC COM CL A 92826C839 2,209 11,044 SH   SOLE   0 0 11,044
VOYA PRIME RATE TR SH BEN INT 92913A100 355 80,430 SH   SOLE   0 0 80,430
WALMART INC COM 931142103 1,358 9,704 SH   SOLE   0 0 9,704
YUM BRANDS INC COM 988498101 288 3,152 SH   SOLE   0 0 3,152