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 424 2,388 SH   SOLE   0 0 2,388
ABBOTT LABS COM 002824100 1,600 11,368 SH   SOLE   0 0 11,368
ABBVIE INC COM 00287Y109 697 5,147 SH   SOLE   0 0 5,147
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 736 1,776 SH   SOLE   0 0 1,776
ADOBE SYSTEMS INCORPORATED COM 00724F101 497 876 SH   SOLE   0 0 876
ADVANCE AUTO PARTS INC COM 00751Y106 321 1,339 SH   SOLE   0 0 1,339
AFFILIATED MANAGERS GROUP IN COM 008252108 221 1,344 SH   SOLE   0 0 1,344
AFLAC INC COM 001055102 393 6,735 SH   SOLE   0 0 6,735
AIR PRODS & CHEMS INC COM 009158106 262 861 SH   SOLE   0 0 861
ALBEMARLE CORP COM 012653101 334 1,427 SH   SOLE   0 0 1,427
ALLSTATE CORP COM 020002101 458 3,891 SH   SOLE   0 0 3,891
ALPHABET INC CAP STK CL A 02079K305 478 165 SH   SOLE   0 0 165
ALPHABET INC CAP STK CL C 02079K107 874 302 SH   SOLE   0 0 302
AMAZON COM INC COM 023135106 1,094 328 SH   SOLE   0 0 328
AMERICAN ELEC PWR CO INC COM 025537101 1,371 15,407 SH   SOLE   0 0 15,407
AMERICAN TOWER CORP NEW COM 03027X100 561 1,919 SH   SOLE   0 0 1,919
AMGEN INC COM 031162100 215 954 SH   SOLE   0 0 954
ANALOG DEVICES INC COM 032654105 685 3,895 SH   SOLE   0 0 3,895
APPLE INC COM 037833100 11,705 65,915 SH   SOLE   0 0 65,915
ARCHER DANIELS MIDLAND CO COM 039483102 347 5,128 SH   SOLE   0 0 5,128
ASML HOLDING N V N Y REGISTRY SHS N07059210 436 547 SH   SOLE   0 0 547
AT&T INC COM 00206R102 291 11,838 SH   SOLE   0 0 11,838
ATLASSIAN CORP PLC CL A G06242104 276 723 SH   SOLE   0 0 723
AUTOMATIC DATA PROCESSING IN COM 053015103 1,461 5,924 SH   SOLE   0 0 5,924
BECTON DICKINSON & CO COM 075887109 326 1,297 SH   SOLE   0 0 1,297
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,096 3,665 SH   SOLE   0 0 3,665
BK OF AMERICA CORP COM 060505104 444 9,974 SH   SOLE   0 0 9,974
BLACKROCK INC COM 09247X101 420 459 SH   SOLE   0 0 459
BLACKROCK MUNIASSETS FD INC COM 09254J102 445 29,916 SH   SOLE   0 0 29,916
BOEING CO COM 097023105 798 3,965 SH   SOLE   0 0 3,965
BRISTOL-MYERS SQUIBB CO COM 110122108 912 14,625 SH   SOLE   0 0 14,625
CATERPILLAR INC COM 149123101 983 4,756 SH   SOLE   0 0 4,756
CHEVRON CORP NEW COM 166764100 1,001 8,531 SH   SOLE   0 0 8,531
CHUBB LIMITED COM H1467J104 337 1,743 SH   SOLE   0 0 1,743
CINCINNATI FINL CORP COM 172062101 729 6,396 SH   SOLE   0 0 6,396
CISCO SYS INC COM 17275R102 1,463 23,091 SH   SOLE   0 0 23,091
COCA COLA CO COM 191216100 1,063 17,947 SH   SOLE   0 0 17,947
COLGATE PALMOLIVE CO COM 194162103 258 3,022 SH   SOLE   0 0 3,022
COMCAST CORP NEW CL A 20030N101 348 6,912 SH   SOLE   0 0 6,912
CONSTELLATION BRANDS INC CL A 21036P108 209 834 SH   SOLE   0 0 834
CORNING INC COM 219350105 253 6,800 SH   SOLE   0 0 6,800
COSTCO WHSL CORP NEW COM 22160K105 1,113 1,960 SH   SOLE   0 0 1,960
DIAGEO PLC SPON ADR NEW 25243Q205 242 1,099 SH   SOLE   0 0 1,099
DISNEY WALT CO COM 254687106 1,801 11,630 SH   SOLE   0 0 11,630
DNP SELECT INCOME FD INC COM 23325P104 958 88,163 SH   SOLE   0 0 88,163
EASTMAN CHEM CO COM 277432100 254 2,100 SH   SOLE   0 0 2,100
EMERSON ELEC CO COM 291011104 344 3,704 SH   SOLE   0 0 3,704
ENBRIDGE INC COM 29250N105 589 15,074 SH   SOLE   0 0 15,074
EVERSOURCE ENERGY COM 30040W108 223 2,448 SH   SOLE   0 0 2,448
EXXON MOBIL CORP COM 30231G102 847 13,840 SH   SOLE   0 0 13,840
FACTSET RESH SYS INC COM 303075105 365 751 SH   SOLE   0 0 751
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 376 7,213 SH   SOLE   0 0 7,213
FLEXSHARES TR MORNSTAR UPSTR 33939L407 228 5,778 SH   SOLE   0 0 5,778
FORD MTR CO DEL COM 345370860 483 23,259 SH   SOLE   0 0 23,259
GENERAL DYNAMICS CORP COM 369550108 665 3,189 SH   SOLE   0 0 3,189
GENERAL MLS INC COM 370334104 201 2,977 SH   SOLE   0 0 2,977
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 265 6,010 SH   SOLE   0 0 6,010
GOLDMAN SACHS GROUP INC COM 38141G104 471 1,231 SH   SOLE   0 0 1,231
HOME DEPOT INC COM 437076102 2,220 5,350 SH   SOLE   0 0 5,350
HUNTINGTON BANCSHARES INC COM 446150104 272 17,649 SH   SOLE   0 0 17,649
ILLINOIS TOOL WKS INC COM 452308109 333 1,350 SH   SOLE   0 0 1,350
INTEL CORP COM 458140100 750 14,554 SH   SOLE   0 0 14,554
INTERNATIONAL BUSINESS MACHS COM 459200101 856 6,401 SH   SOLE   0 0 6,401
INTUITIVE SURGICAL INC COM NEW 46120E602 263 733 SH   SOLE   0 0 733
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 669 9,747 SH   SOLE   0 0 9,747
INVESCO QQQ TR UNIT SER 1 46090E103 470 1,181 SH   SOLE   0 0 1,181
ISHARES SILVER TR ISHARES 46428Q109 920 42,774 SH   SOLE   0 0 42,774
ISHARES TR 0-5 YR TIPS ETF 46429B747 391 3,697 SH   SOLE   0 0 3,697
ISHARES TR 0-5YR HI YL CP 46434V407 1,713 37,825 SH   SOLE   0 0 37,825
ISHARES TR CORE DIV GRWTH 46434V621 997 17,944 SH   SOLE   0 0 17,944
ISHARES TR CORE HIGH DV ETF 46429B663 695 6,879 SH   SOLE   0 0 6,879
ISHARES TR CORE MSCI EAFE 46432F842 7,737 103,663 SH   SOLE   0 0 103,663
ISHARES TR CORE S&P MCP ETF 464287507 1,781 6,292 SH   SOLE   0 0 6,292
ISHARES TR CORE S&P SCP ETF 464287804 366 3,196 SH   SOLE   0 0 3,196
ISHARES TR CORE S&P500 ETF 464287200 5,189 10,880 SH   SOLE   0 0 10,880
ISHARES TR ISHS 1-5YR INVS 464288646 2,580 47,888 SH   SOLE   0 0 47,888
ISHARES TR ISHS 5-10YR INVT 464288638 482 8,128 SH   SOLE   0 0 8,128
ISHARES TR MSCI EAFE ETF 464287465 3,929 49,939 SH   SOLE   0 0 49,939
ISHARES TR MSCI EAFE MIN VL 46429B689 2,461 32,053 SH   SOLE   0 0 32,053
ISHARES TR MSCI USA MIN VOL 46429B697 7,311 90,375 SH   SOLE   0 0 90,375
ISHARES TR NATIONAL MUN ETF 464288414 864 7,428 SH   SOLE   0 0 7,428
ISHARES TR RUS 1000 GRW ETF 464287614 14,503 47,458 SH   SOLE   0 0 47,458
ISHARES TR RUS 1000 VAL ETF 464287598 12,175 72,503 SH   SOLE   0 0 72,503
ISHARES TR RUS 2000 GRW ETF 464287648 2,344 7,997 SH   SOLE   0 0 7,997
ISHARES TR RUS 2000 VAL ETF 464287630 2,995 18,035 SH   SOLE   0 0 18,035
ISHARES TR RUS MD CP GR ETF 464287481 3,824 33,188 SH   SOLE   0 0 33,188
ISHARES TR RUS MDCP VAL ETF 464287473 3,682 30,083 SH   SOLE   0 0 30,083
ISHARES TR RUS MID CAP ETF 464287499 288 3,467 SH   SOLE   0 0 3,467
ISHARES TR RUSSELL 2000 ETF 464287655 870 3,911 SH   SOLE   0 0 3,911
ISHARES TR S&P 500 GRWT ETF 464287309 4,513 53,944 SH   SOLE   0 0 53,944
ISHARES TR S&P 500 VAL ETF 464287408 3,744 23,904 SH   SOLE   0 0 23,904
ISHARES TR SELECT DIVID ETF 464287168 621 5,066 SH   SOLE   0 0 5,066
ISHARES TR US TELECOM ETF 464287713 326 9,900 SH   SOLE   0 0 9,900
JOHNSON & JOHNSON COM 478160104 1,422 8,309 SH   SOLE   0 0 8,309
JPMORGAN CHASE & CO COM 46625H100 3,479 21,970 SH   SOLE   0 0 21,970
KEYCORP COM 493267108 233 10,072 SH   SOLE   0 0 10,072
L3HARRIS TECHNOLOGIES INC COM 502431109 335 1,573 SH   SOLE   0 0 1,573
LILLY ELI & CO COM 532457108 1,883 6,817 SH   SOLE   0 0 6,817
LOCKHEED MARTIN CORP COM 539830109 563 1,585 SH   SOLE   0 0 1,585
LOWES COS INC COM 548661107 929 3,594 SH   SOLE   0 0 3,594
MCDONALDS CORP COM 580135101 1,101 4,106 SH   SOLE   0 0 4,106
MEDTRONIC PLC SHS G5960L103 282 2,728 SH   SOLE   0 0 2,728
MERCK & CO INC COM 58933Y105 391 5,096 SH   SOLE   0 0 5,096
META PLATFORMS INC CL A 30303M102 291 864 SH   SOLE   0 0 864
MICROSOFT CORP COM 594918104 8,609 25,597 SH   SOLE   0 0 25,597
MORGAN STANLEY COM NEW 617446448 234 2,388 SH   SOLE   0 0 2,388
NEXTERA ENERGY INC COM 65339F101 930 9,964 SH   SOLE   0 0 9,964
NIKE INC CL B 654106103 838 5,027 SH   SOLE   0 0 5,027
NORFOLK SOUTHN CORP COM 655844108 479 1,610 SH   SOLE   0 0 1,610
NORTHROP GRUMMAN CORP COM 666807102 428 1,105 SH   SOLE   0 0 1,105
NVIDIA CORPORATION COM 67066G104 651 2,214 SH   SOLE   0 0 2,214
ORACLE CORP COM 68389X105 1,315 15,081 SH   SOLE   0 0 15,081
PAYCHEX INC COM 704326107 445 3,264 SH   SOLE   0 0 3,264
PAYPAL HLDGS INC COM 70450Y103 613 3,250 SH   SOLE   0 0 3,250
PEPSICO INC COM 713448108 1,350 7,771 SH   SOLE   0 0 7,771
PFIZER INC COM 717081103 1,520 25,735 SH   SOLE   0 0 25,735
PRICE T ROWE GROUP INC COM 74144T108 299 1,522 SH   SOLE   0 0 1,522
PROCTER AND GAMBLE CO COM 742718109 1,503 9,187 SH   SOLE   0 0 9,187
PRUDENTIAL FINL INC COM 744320102 280 2,587 SH   SOLE   0 0 2,587
QUALCOMM INC COM 747525103 462 2,528 SH   SOLE   0 0 2,528
RAYTHEON TECHNOLOGIES CORP COM 75513E101 225 2,609 SH   SOLE   0 0 2,609
SABA CAPITAL INCOME & OPRNT SHARES 78518H103 364 80,430 SH   SOLE   0 0 80,430
SCOTTS MIRACLE-GRO CO CL A 810186106 290 1,800 SH   SOLE   0 0 1,800
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 304 3,910 SH   SOLE   0 0 3,910
SELECT SECTOR SPDR TR ENERGY 81369Y506 396 7,141 SH   SOLE   0 0 7,141
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 549 14,071 SH   SOLE   0 0 14,071
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 357 3,375 SH   SOLE   0 0 3,375
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,691 37,591 SH   SOLE   0 0 37,591
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 411 4,540 SH   SOLE   0 0 4,540
SHOPIFY INC CL A 82509L107 273 198 SH   SOLE   0 0 198
SIRIUS XM HOLDINGS INC COM 82968B103 231 36,411 SH   SOLE   0 0 36,411
SPDR GOLD TR GOLD SHS 78463V107 917 5,361 SH   SOLE   0 0 5,361
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,114 6,556 SH   SOLE   0 0 6,556
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 299 577 SH   SOLE   0 0 577
SPDR SER TR NUVEEN BLMBRG SH 78468R739 360 7,327 SH   SOLE   0 0 7,327
SPDR SER TR PRTFLO S&P500 GW 78464A409 219 3,020 SH   SOLE   0 0 3,020
SPDR SER TR PRTFLO S&P500 VL 78464A508 318 7,567 SH   SOLE   0 0 7,567
SPDR SER TR S&P BIOTECH 78464A870 683 6,098 SH   SOLE   0 0 6,098
SPDR SER TR S&P DIVID ETF 78464A763 2,284 17,690 SH   SOLE   0 0 17,690
STARBUCKS CORP COM 855244109 457 3,904 SH   SOLE   0 0 3,904
SYSCO CORP COM 871829107 245 3,123 SH   SOLE   0 0 3,123
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 329 2,738 SH   SOLE   0 0 2,738
TARGET CORP COM 87612E106 219 946 SH   SOLE   0 0 946
TESLA INC COM 88160R101 10,379 9,821 SH   SOLE   0 0 9,821
THERMO FISHER SCIENTIFIC INC COM 883556102 1,160 1,738 SH   SOLE   0 0 1,738
TORONTO DOMINION BK ONT COM NEW 891160509 227 2,960 SH   SOLE   0 0 2,960
TYSON FOODS INC CL A 902494103 215 2,465 SH   SOLE   0 0 2,465
UNITED PARCEL SERVICE INC CL B 911312106 412 1,921 SH   SOLE   0 0 1,921
UNITEDHEALTH GROUP INC COM 91324P102 1,133 2,257 SH   SOLE   0 0 2,257
US BANCORP DEL COM NEW 902973304 247 4,404 SH   SOLE   0 0 4,404
V F CORP COM 918204108 219 2,991 SH   SOLE   0 0 2,991
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,065 25,552 SH   SOLE   0 0 25,552
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 374 4,416 SH   SOLE   0 0 4,416
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,004 18,202 SH   SOLE   0 0 18,202
VANGUARD INDEX FDS MID CAP ETF 922908629 4,496 17,648 SH   SOLE   0 0 17,648
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,499 21,539 SH   SOLE   0 0 21,539
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,147 13,922 SH   SOLE   0 0 13,922
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,756 116,386 SH   SOLE   0 0 116,386
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,007 22,444 SH   SOLE   0 0 22,444
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 358 4,858 SH   SOLE   0 0 4,858
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,365 31,240 SH   SOLE   0 0 31,240
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 8,582 168,086 SH   SOLE   0 0 168,086
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,005 35,182 SH   SOLE   0 0 35,182
VERIZON COMMUNICATIONS INC COM 92343V104 1,364 26,258 SH   SOLE   0 0 26,258
VISA INC COM CL A 92826C839 1,777 8,199 SH   SOLE   0 0 8,199
WALMART INC COM 931142103 1,384 9,566 SH   SOLE   0 0 9,566
WEC ENERGY GROUP INC COM 92939U106 203 2,096 SH   SOLE   0 0 2,096
XYLEM INC COM 98419M100 279 2,329 SH   SOLE   0 0 2,329
YUM BRANDS INC COM 988498101 438 3,154 SH   SOLE   0 0 3,154