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
AON PLC SHS CL A G0403H108 232 859 SH   SOLE   0 0 859
STERIS PLC SHS USD G8473T100 452 2,193 SH   SOLE   0 0 2,193
TRANSOCEAN LTD REG SHS H8817H100 233 70,000 SH   SOLE   0 0 70,000
ABBOTT LABS COM 002824100 254 2,340 SH   SOLE   0 0 2,340
ALPHABET INC CAP STK CL C 02079K107 849 388 SH   SOLE   0 0 388
ALPHABET INC CAP STK CL A 02079K305 682 313 SH   SOLE   0 0 313
AMAZON COM INC COM 023135106 843 7,940 SH   SOLE   0 0 7,940
AMETEK INC COM 031100100 206 1,873 SH   SOLE   0 0 1,873
ANALOG DEVICES INC COM 032654105 270 1,850 SH   SOLE   0 0 1,850
APPLE INC COM 037833100 4,562 33,371 SH   SOLE   0 0 33,371
BECTON DICKINSON & CO COM 075887109 205 831 SH   SOLE   0 0 831
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 439 1,608 SH   SOLE   0 0 1,608
BRISTOL-MYERS SQUIBB CO COM 110122108 208 2,707 SH   SOLE   0 0 2,707
CACI INTL INC CL A 127190304 226 801 SH   SOLE   0 0 801
CENOVUS ENERGY INC COM 15135U109 238 12,500 SH   SOLE   0 0 12,500
CHEVRON CORP NEW COM 166764100 259 1,789 SH   SOLE   0 0 1,789
CISCO SYS INC COM 17275R102 209 4,897 SH   SOLE   0 0 4,897
DBX ETF TR XTRACK USD HIGH 233051432 308 9,136 SH   SOLE   0 0 9,136
DEVON ENERGY CORP NEW COM 25179M103 244 4,428 SH   SOLE   0 0 4,428
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 369 9,052 SH   SOLE   0 0 9,052
EXXON MOBIL CORP COM 30231G102 330 3,857 SH   SOLE   0 0 3,857
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 828 30,471 SH   SOLE   0 0 30,471
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 287 4,099 SH   SOLE   0 0 4,099
GLOBAL X FDS US PFD ETF 37954Y657 13,255 624,953 SH   SOLE   0 0 624,953
HONEYWELL INTL INC COM 438516106 497 2,858 SH   SOLE   0 0 2,858
HUNTINGTON BANCSHARES INC COM 446150104 465 38,660 SH   SOLE   0 0 38,660
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 318 1,109 SH   SOLE   0 0 1,109
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 420 3,131 SH   SOLE   0 0 3,131
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510 243 10,280 SH   SOLE   0 0 10,280
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528 247 10,070 SH   SOLE   0 0 10,070
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 422 21,889 SH   SOLE   0 0 21,889
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 750 36,699 SH   SOLE   0 0 36,699
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,063 51,247 SH   SOLE   0 0 51,247
ISHARES INC EM MKT SM-CP ETF 464286475 318 6,616 SH   SOLE   0 0 6,616
ISHARES TR S&P 100 ETF 464287101 284 1,645 SH   SOLE   0 0 1,645
ISHARES TR SELECT DIVID ETF 464287168 1,177 10,006 SH   SOLE   0 0 10,006
ISHARES TR CORE S&P500 ETF 464287200 2,108 5,559 SH   SOLE   0 0 5,559
ISHARES TR CORE US AGGBD ET 464287226 2,956 29,074 SH   SOLE   0 0 29,074
ISHARES TR IBOXX INV CP ETF 464287242 481 4,369 SH   SOLE   0 0 4,369
ISHARES TR S&P 500 GRWT ETF 464287309 2,260 37,452 SH   SOLE   0 0 37,452
ISHARES TR S&P 500 VAL ETF 464287408 1,504 10,941 SH   SOLE   0 0 10,941
ISHARES TR RUS MID CAP ETF 464287499 390 6,032 SH   SOLE   0 0 6,032
ISHARES TR CORE S&P MCP ETF 464287507 1,603 7,086 SH   SOLE   0 0 7,086
ISHARES TR S&P MC 400GR ETF 464287606 376 5,900 SH   SOLE   0 0 5,900
ISHARES TR RUS 1000 ETF 464287622 438 2,110 SH   SOLE   0 0 2,110
ISHARES TR RUSSELL 2000 ETF 464287655 276 1,630 SH   SOLE   0 0 1,630
ISHARES TR S&P MC 400VL ETF 464287705 600 6,350 SH   SOLE   0 0 6,350
ISHARES TR CORE S&P SCP ETF 464287804 1,724 18,658 SH   SOLE   0 0 18,658
ISHARES TR SP SMCP600VL ETF 464287879 283 3,180 SH   SOLE   0 0 3,180
ISHARES TR S&P SML 600 GWT 464287887 226 2,150 SH   SOLE   0 0 2,150
ISHARES TR EAFE SML CP ETF 464288273 317 5,812 SH   SOLE   0 0 5,812
ISHARES TR CRE U S REIT ETF 464288521 2,966 55,537 SH   SOLE   0 0 55,537
ISHARES TR RUS TP200 VL ETF 464289420 581 9,398 SH   SOLE   0 0 9,398
ISHARES TR RUS TP200 GR ETF 464289438 430 3,430 SH   SOLE   0 0 3,430
ISHARES TR CORE HIGH DV ETF 46429B663 2,083 20,739 SH   SOLE   0 0 20,739
ISHARES TR 0-5 YR TIPS ETF 46429B747 688 6,784 SH   SOLE   0 0 6,784
ISHARES INC CORE MSCI EMKT 46434G103 449 9,153 SH   SOLE   0 0 9,153
ISHARES TR CORE DIV GRWTH 46434V621 1,161 24,376 SH   SOLE   0 0 24,376
ISHARES TR CORE INTL AGGR 46435G672 557 11,179 SH   SOLE   0 0 11,179
ISHARES TR BROAD USD HIGH 46435U853 656 18,954 SH   SOLE   0 0 18,954
JPMORGAN CHASE & CO COM 46625H100 393 3,494 SH   SOLE   0 0 3,494
JOHNSON & JOHNSON COM 478160104 392 2,211 SH   SOLE   0 0 2,211
KEYCORP COM 493267108 183 10,609 SH   SOLE   0 0 10,609
MARSH & MCLENNAN COS INC COM 571748102 504 3,244 SH   SOLE   0 0 3,244
MASTERCARD INCORPORATED CL A 57636Q104 422 1,338 SH   SOLE   0 0 1,338
MERCK & CO INC COM 58933Y105 231 2,531 SH   SOLE   0 0 2,531
MICROSOFT CORP COM 594918104 1,640 6,386 SH   SOLE   0 0 6,386
NIKE INC CL B 654106103 262 2,559 SH   SOLE   0 0 2,559
NORDSON CORP COM 655663102 223 1,100 SH   SOLE   0 0 1,100
PAYCHEX INC COM 704326107 212 1,865 SH   SOLE   0 0 1,865
PEPSICO INC COM 713448108 284 1,705 SH   SOLE   0 0 1,705
PROCTER AND GAMBLE CO COM 742718109 256 1,783 SH   SOLE   0 0 1,783
PROGRESSIVE CORP COM 743315103 407 3,500 SH   SOLE   0 0 3,500
RAYMOND JAMES FINL INC COM 754730109 262 2,925 SH   SOLE   0 0 2,925
SPDR S&P 500 ETF TR TR UNIT 78462F103 420 1,112 SH   SOLE   0 0 1,112
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 2,997 86,190 SH   SOLE   0 0 86,190
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 446 9,175 SH   SOLE   0 0 9,175
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,140 40,382 SH   SOLE   0 0 40,382
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,996 103,897 SH   SOLE   0 0 103,897
SPDR SER TR PORTFOLIO SHORT 78464A474 4,028 135,502 SH   SOLE   0 0 135,502
SPDR SER TR DJ REIT ETF 78464A607 592 6,226 SH   SOLE   0 0 6,226
SPDR SER TR PORTFLI TIPS ETF 78464A656 760 27,599 SH   SOLE   0 0 27,599
SPDR SER TR PORTFOLIO S&P400 78464A847 2,794 70,395 SH   SOLE   0 0 70,395
SPDR SER TR PORTFOLIO S&P500 78464A854 10,885 245,480 SH   SOLE   0 0 245,480
SPDR SER TR BLOOMBERG INVT 78468R200 7,406 245,980 SH   SOLE   0 0 245,980
SPDR SER TR PORTFLI HIGH YLD 78468R606 11,043 491,885 SH   SOLE   0 0 491,885
SPDR SER TR PRTFLO S&P500 HI 78468R788 993 24,872 SH   SOLE   0 0 24,872
SPDR SER TR PORTFOLIO S&P600 78468R853 1,710 47,529 SH   SOLE   0 0 47,529
SCHWAB CHARLES CORP COM 808513105 3,989 63,133 SH   SOLE   0 0 63,133
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 274 6,208 SH   SOLE   0 0 6,208
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 30,419 681,128 SH   SOLE   0 0 681,128
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,216 72,710 SH   SOLE   0 0 72,710
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 263 4,211 SH   SOLE   0 0 4,211
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 8,758 139,607 SH   SOLE   0 0 139,607
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,934 203,483 SH   SOLE   0 0 203,483
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 11,072 492,305 SH   SOLE   0 0 492,305
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,505 216,899 SH   SOLE   0 0 216,899
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 1,188 32,580 SH   SOLE   0 0 32,580
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 41,546 580,005 SH   SOLE   0 0 580,005
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,329 264,840 SH   SOLE   0 0 264,840
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 19,635 410,166 SH   SOLE   0 0 410,166
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,075 50,990 SH   SOLE   0 0 50,990
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,651 172,951 SH   SOLE   0 0 172,951
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 4,481 143,483 SH   SOLE   0 0 143,483
SHERWIN WILLIAMS CO COM 824348106 833 3,719 SH   SOLE   0 0 3,719
SYSCO CORP COM 871829107 221 2,606 SH   SOLE   0 0 2,606
THERMO FISHER SCIENTIFIC INC COM 883556102 412 759 SH   SOLE   0 0 759
UNITEDHEALTH GROUP INC COM 91324P102 205 400 SH   SOLE   0 0 400
VANECK ETF TRUST INVESTMENT GRD 92189F486 1,543 62,508 SH   SOLE   0 0 62,508
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 27,812 193,853 SH   SOLE   0 0 193,853
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 684 9,089 SH   SOLE   0 0 9,089
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 10,698 262,218 SH   SOLE   0 0 262,218
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 11,066 161,282 SH   SOLE   0 0 161,282
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 210 3,420 SH   SOLE   0 0 3,420
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 9,772 194,972 SH   SOLE   0 0 194,972
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 6,532 131,845 SH   SOLE   0 0 131,845
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 4,385 99,041 SH   SOLE   0 0 99,041
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,325 80,659 SH   SOLE   0 0 80,659
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 805 16,103 SH   SOLE   0 0 16,103
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,690 160,624 SH   SOLE   0 0 160,624
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,945 274,647 SH   SOLE   0 0 274,647
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 224 3,984 SH   SOLE   0 0 3,984
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,680 7,725 SH   SOLE   0 0 7,725
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 12,310 135,116 SH   SOLE   0 0 135,116
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,582 70,634 SH   SOLE   0 0 70,634
VANGUARD INDEX FDS MID CAP ETF 922908629 1,312 6,662 SH   SOLE   0 0 6,662
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,768 10,257 SH   SOLE   0 0 10,257
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,055 8,048 SH   SOLE   0 0 8,048
VANGUARD INDEX FDS GROWTH ETF 922908736 17,138 76,890 SH   SOLE   0 0 76,890
VANGUARD INDEX FDS SMALL CP ETF 922908751 20,713 117,615 SH   SOLE   0 0 117,615
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,842 15,068 SH   SOLE   0 0 15,068
WEC ENERGY GROUP INC COM 92939U106 213 2,121 SH   SOLE   0 0 2,121
WABTEC COM 929740108 573 6,981 SH   SOLE   0 0 6,981
WISDOMTREE TR INDIA ERNGS FD 97717W422 285 9,598 SH   SOLE   0 0 9,598
WORKHORSE GROUP INC COM NEW 98138J206 44 17,000 SH   SOLE   0 0 17,000