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 272 2,101 SH   SOLE   0 0 2,101
ABBOTT LABS COM 002824100 1,243 11,438 SH   SOLE   0 0 11,438
ABBVIE INC COM 00287Y109 796 5,200 SH   SOLE   0 0 5,200
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 488 1,759 SH   SOLE   0 0 1,759
ADOBE SYSTEMS INCORPORATED COM 00724F101 352 961 SH   SOLE   0 0 961
ADVANCE AUTO PARTS INC COM 00751Y106 247 1,427 SH   SOLE   0 0 1,427
AFLAC INC COM 001055102 366 6,616 SH   SOLE   0 0 6,616
AIR PRODS & CHEMS INC COM 009158106 204 850 SH   SOLE   0 0 850
ALBEMARLE CORP COM 012653101 308 1,475 SH   SOLE   0 0 1,475
ALLSTATE CORP COM 020002101 495 3,902 SH   SOLE   0 0 3,902
ALPHABET INC CAP STK CL A 02079K305 423 194 SH   SOLE   0 0 194
ALPHABET INC CAP STK CL C 02079K107 842 385 SH   SOLE   0 0 385
AMAZON COM INC COM 023135106 803 7,560 SH   SOLE   0 0 7,560
AMERICAN ELEC PWR CO INC COM 025537101 1,516 15,802 SH   SOLE   0 0 15,802
AMERICAN TOWER CORP NEW COM 03027X100 483 1,890 SH   SOLE   0 0 1,890
AMGEN INC COM 031162100 233 959 SH   SOLE   0 0 959
ANALOG DEVICES INC COM 032654105 591 4,045 SH   SOLE   0 0 4,045
APPLE INC COM 037833100 9,519 69,624 SH   SOLE   0 0 69,624
ARCHER DANIELS MIDLAND CO COM 039483102 400 5,159 SH   SOLE   0 0 5,159
ASML HOLDING N V N Y REGISTRY SHS N07059210 332 698 SH   SOLE   0 0 698
AT&T INC COM 00206R102 251 11,956 SH   SOLE   0 0 11,956
AUTOMATIC DATA PROCESSING IN COM 053015103 1,246 5,932 SH   SOLE   0 0 5,932
BECTON DICKINSON & CO COM 075887109 316 1,283 SH   SOLE   0 0 1,283
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,192 4,366 SH   SOLE   0 0 4,366
BK OF AMERICA CORP COM 060505104 319 10,242 SH   SOLE   0 0 10,242
BLACKROCK INC COM 09247X101 272 447 SH   SOLE   0 0 447
BLACKROCK MUNIASSETS FD INC COM 09254J102 390 31,984 SH   SOLE   0 0 31,984
BOEING CO COM 097023105 546 3,994 SH   SOLE   0 0 3,994
BRISTOL-MYERS SQUIBB CO COM 110122108 1,130 14,679 SH   SOLE   0 0 14,679
CATERPILLAR INC COM 149123101 853 4,770 SH   SOLE   0 0 4,770
CHEVRON CORP NEW COM 166764100 1,238 8,552 SH   SOLE   0 0 8,552
CHUBB LIMITED COM H1467J104 328 1,666 SH   SOLE   0 0 1,666
CINCINNATI FINL CORP COM 172062101 752 6,324 SH   SOLE   0 0 6,324
CISCO SYS INC COM 17275R102 1,156 27,107 SH   SOLE   0 0 27,107
COCA COLA CO COM 191216100 1,131 17,977 SH   SOLE   0 0 17,977
COLGATE PALMOLIVE CO COM 194162103 243 3,033 SH   SOLE   0 0 3,033
COMCAST CORP NEW CL A 20030N101 309 7,882 SH   SOLE   0 0 7,882
CORNING INC COM 219350105 214 6,800 SH   SOLE   0 0 6,800
COSTCO WHSL CORP NEW COM 22160K105 976 2,037 SH   SOLE   0 0 2,037
DISNEY WALT CO COM 254687106 1,078 11,422 SH   SOLE   0 0 11,422
DNP SELECT INCOME FD INC COM 23325P104 969 89,397 SH   SOLE   0 0 89,397
EMERSON ELEC CO COM 291011104 276 3,473 SH   SOLE   0 0 3,473
ENBRIDGE INC COM 29250N105 622 14,725 SH   SOLE   0 0 14,725
EXXON MOBIL CORP COM 30231G102 1,188 13,875 SH   SOLE   0 0 13,875
FACTSET RESH SYS INC COM 303075105 285 740 SH   SOLE   0 0 740
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 290 7,856 SH   SOLE   0 0 7,856
FLEXSHARES TR MORNSTAR UPSTR 33939L407 229 5,778 SH   SOLE   0 0 5,778
FORD MTR CO DEL COM 345370860 131 11,792 SH   SOLE   0 0 11,792
GENERAL DYNAMICS CORP COM 369550108 705 3,185 SH   SOLE   0 0 3,185
GENERAL MLS INC COM 370334104 225 2,985 SH   SOLE   0 0 2,985
GOLDMAN SACHS GROUP INC COM 38141G104 390 1,312 SH   SOLE   0 0 1,312
GSK PLC SPONSORED ADR 37733W105 254 5,825 SH   SOLE   0 0 5,825
HOME DEPOT INC COM 437076102 1,457 5,313 SH   SOLE   0 0 5,313
HUNTINGTON BANCSHARES INC COM 446150104 892 74,130 SH   SOLE   0 0 74,130
ILLINOIS TOOL WKS INC COM 452308109 242 1,329 SH   SOLE   0 0 1,329
INNOVATOR ETFS TR US EQTY PWR BUF 45782C417 230 8,512 SH   SOLE   0 0 8,512
INTEL CORP COM 458140100 580 15,524 SH   SOLE   0 0 15,524
INTERNATIONAL BUSINESS MACHS COM 459200101 882 6,244 SH   SOLE   0 0 6,244
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 248 4,002 SH   SOLE   0 0 4,002
ISHARES SILVER TR ISHARES 46428Q109 787 42,200 SH   SOLE   0 0 42,200
ISHARES TR 0-5 YR TIPS ETF 46429B747 372 3,671 SH   SOLE   0 0 3,671
ISHARES TR 0-5YR HI YL CP 46434V407 1,717 42,354 SH   SOLE   0 0 42,354
ISHARES TR CORE DIV GRWTH 46434V621 857 17,991 SH   SOLE   0 0 17,991
ISHARES TR CORE HIGH DV ETF 46429B663 707 7,040 SH   SOLE   0 0 7,040
ISHARES TR CORE INTL AGGR 46435G672 1,017 20,410 SH   SOLE   0 0 20,410
ISHARES TR CORE MSCI EAFE 46432F842 5,870 99,744 SH   SOLE   0 0 99,744
ISHARES TR CORE S&P MCP ETF 464287507 1,515 6,695 SH   SOLE   0 0 6,695
ISHARES TR CORE S&P SCP ETF 464287804 295 3,198 SH   SOLE   0 0 3,198
ISHARES TR CORE S&P500 ETF 464287200 4,252 11,214 SH   SOLE   0 0 11,214
ISHARES TR GRWT ALLOCAT ETF 464289867 771 16,055 SH   SOLE   0 0 16,055
ISHARES TR ISHS 1-5YR INVS 464288646 2,666 52,741 SH   SOLE   0 0 52,741
ISHARES TR ISHS 5-10YR INVT 464288638 416 8,150 SH   SOLE   0 0 8,150
ISHARES TR MSCI EAFE ETF 464287465 3,119 49,911 SH   SOLE   0 0 49,911
ISHARES TR MSCI EAFE MIN VL 46429B689 2,006 31,692 SH   SOLE   0 0 31,692
ISHARES TR MSCI USA MIN VOL 46429B697 6,145 87,524 SH   SOLE   0 0 87,524
ISHARES TR NATIONAL MUN ETF 464288414 1,006 9,458 SH   SOLE   0 0 9,458
ISHARES TR RUS 1000 GRW ETF 464287614 10,558 48,274 SH   SOLE   0 0 48,274
ISHARES TR RUS 1000 VAL ETF 464287598 10,536 72,674 SH   SOLE   0 0 72,674
ISHARES TR RUS 2000 GRW ETF 464287648 2,368 11,477 SH   SOLE   0 0 11,477
ISHARES TR RUS 2000 VAL ETF 464287630 2,921 21,457 SH   SOLE   0 0 21,457
ISHARES TR RUS MD CP GR ETF 464287481 3,307 41,744 SH   SOLE   0 0 41,744
ISHARES TR RUS MDCP VAL ETF 464287473 3,096 30,483 SH   SOLE   0 0 30,483
ISHARES TR RUS MID CAP ETF 464287499 224 3,470 SH   SOLE   0 0 3,470
ISHARES TR RUSSELL 2000 ETF 464287655 714 4,219 SH   SOLE   0 0 4,219
ISHARES TR S&P 500 GRWT ETF 464287309 3,294 54,584 SH   SOLE   0 0 54,584
ISHARES TR S&P 500 VAL ETF 464287408 3,314 24,107 SH   SOLE   0 0 24,107
ISHARES TR SELECT DIVID ETF 464287168 597 5,078 SH   SOLE   0 0 5,078
ISHARES TR US TELECOM ETF 464287713 249 9,900 SH   SOLE   0 0 9,900
JOHNSON & JOHNSON COM 478160104 1,418 7,991 SH   SOLE   0 0 7,991
JPMORGAN CHASE & CO COM 46625H100 2,430 21,575 SH   SOLE   0 0 21,575
KEYCORP COM 493267108 175 10,150 SH   SOLE   0 0 10,150
L3HARRIS TECHNOLOGIES INC COM 502431109 384 1,587 SH   SOLE   0 0 1,587
LILLY ELI & CO COM 532457108 2,155 6,646 SH   SOLE   0 0 6,646
LOCKHEED MARTIN CORP COM 539830109 654 1,520 SH   SOLE   0 0 1,520
LOWES COS INC COM 548661107 632 3,616 SH   SOLE   0 0 3,616
MCDONALDS CORP COM 580135101 1,045 4,233 SH   SOLE   0 0 4,233
MEDTRONIC PLC SHS G5960L103 234 2,603 SH   SOLE   0 0 2,603
MERCK & CO INC COM 58933Y105 486 5,331 SH   SOLE   0 0 5,331
MICROSOFT CORP COM 594918104 6,475 25,213 SH   SOLE   0 0 25,213
NEXTERA ENERGY INC COM 65339F101 778 10,039 SH   SOLE   0 0 10,039
NIKE INC CL B 654106103 513 5,018 SH   SOLE   0 0 5,018
NORFOLK SOUTHN CORP COM 655844108 369 1,625 SH   SOLE   0 0 1,625
NORTHROP GRUMMAN CORP COM 666807102 529 1,105 SH   SOLE   0 0 1,105
NVIDIA CORPORATION COM 67066G104 370 2,442 SH   SOLE   0 0 2,442
ORACLE CORP COM 68389X105 1,055 15,096 SH   SOLE   0 0 15,096
PAYCHEX INC COM 704326107 375 3,290 SH   SOLE   0 0 3,290
PAYPAL HLDGS INC COM 70450Y103 213 3,050 SH   SOLE   0 0 3,050
PEPSICO INC COM 713448108 1,276 7,656 SH   SOLE   0 0 7,656
PFIZER INC COM 717081103 1,678 31,995 SH   SOLE   0 0 31,995
PHILLIPS 66 COM 718546104 221 2,695 SH   SOLE   0 0 2,695
PROCTER AND GAMBLE CO COM 742718109 1,320 9,184 SH   SOLE   0 0 9,184
PRUDENTIAL FINL INC COM 744320102 239 2,497 SH   SOLE   0 0 2,497
QUALCOMM INC COM 747525103 324 2,539 SH   SOLE   0 0 2,539
RAYTHEON TECHNOLOGIES CORP COM 75513E101 250 2,600 SH   SOLE   0 0 2,600
SABA CAPITAL INCOME & OPRNT SHS NEW 78518H202 323 40,214 SH   SOLE   0 0 40,214
SELECT SECTOR SPDR TR ENERGY 81369Y506 561 7,841 SH   SOLE   0 0 7,841
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 519 16,511 SH   SOLE   0 0 16,511
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 494 6,840 SH   SOLE   0 0 6,840
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 497 5,685 SH   SOLE   0 0 5,685
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 2,791 39,791 SH   SOLE   0 0 39,791
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 551 7,485 SH   SOLE   0 0 7,485
SPDR GOLD TR GOLD SHS 78463V107 883 5,243 SH   SOLE   0 0 5,243
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,566 6,801 SH   SOLE   0 0 6,801
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 239 577 SH   SOLE   0 0 577
SPDR SER TR NUVEEN BLMBRG SH 78468R739 354 7,484 SH   SOLE   0 0 7,484
SPDR SER TR PRTFLO S&P500 VL 78464A508 342 9,284 SH   SOLE   0 0 9,284
SPDR SER TR S&P BIOTECH 78464A870 444 5,983 SH   SOLE   0 0 5,983
SPDR SER TR S&P DIVID ETF 78464A763 2,118 17,845 SH   SOLE   0 0 17,845
STARBUCKS CORP COM 855244109 302 3,950 SH   SOLE   0 0 3,950
SYSCO CORP COM 871829107 262 3,088 SH   SOLE   0 0 3,088
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 224 2,739 SH   SOLE   0 0 2,739
TESLA INC COM 88160R101 6,649 9,874 SH   SOLE   0 0 9,874
THERMO FISHER SCIENTIFIC INC COM 883556102 944 1,738 SH   SOLE   0 0 1,738
TYSON FOODS INC CL A 902494103 214 2,491 SH   SOLE   0 0 2,491
UNITED PARCEL SERVICE INC CL B 911312106 362 1,985 SH   SOLE   0 0 1,985
UNITEDHEALTH GROUP INC COM 91324P102 1,178 2,293 SH   SOLE   0 0 2,293
US BANCORP DEL COM NEW 902973304 203 4,421 SH   SOLE   0 0 4,421
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,818 23,675 SH   SOLE   0 0 23,675
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 333 4,424 SH   SOLE   0 0 4,424
VANGUARD INDEX FDS MID CAP ETF 922908629 2,914 14,793 SH   SOLE   0 0 14,793
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,936 21,248 SH   SOLE   0 0 21,248
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,086 11,844 SH   SOLE   0 0 11,844
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,624 135,034 SH   SOLE   0 0 135,034
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,924 28,334 SH   SOLE   0 0 28,334
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 369 5,809 SH   SOLE   0 0 5,809
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,486 31,265 SH   SOLE   0 0 31,265
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 8,069 197,781 SH   SOLE   0 0 197,781
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 2,414 35,182 SH   SOLE   0 0 35,182
VERIZON COMMUNICATIONS INC COM 92343V104 1,417 27,924 SH   SOLE   0 0 27,924
VISA INC COM CL A 92826C839 1,317 6,689 SH   SOLE   0 0 6,689
WALMART INC COM 931142103 1,157 9,514 SH   SOLE   0 0 9,514
WEC ENERGY GROUP INC COM 92939U106 208 2,062 SH   SOLE   0 0 2,062
YUM BRANDS INC COM 988498101 358 3,155 SH   SOLE   0 0 3,155