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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
OMB Number: 3235-0006
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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   1,590,738 15,568 SH   SOLE 0 0 0 15,568
ALPHABET INC CAP STK CL C 02079K107   2,423,720 23,305 SH   SOLE 0 0 0 23,305
AMAZON COM INC COM 023135106   2,638,130 25,541 SH   SOLE 0 0 0 25,541
APPLE INC COM 037833100   2,956,637 17,930 SH   SOLE 0 0 0 17,930
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,237,347 7,246 SH   SOLE 0 0 0 7,246
BP PLC SPONSORED ADR 055622104   341,460 9,000 SH   SOLE 0 0 0 9,000
CHEVRON CORP NEW COM 166764100   324,095 1,986 SH   SOLE 0 0 0 1,986
COCA COLA CO COM 191216100   303,699 4,896 SH   SOLE 0 0 0 4,896
CSX CORP COM 126408103   323,352 10,800 SH   SOLE 0 0 0 10,800
DEERE & CO COM 244199105   211,094 511 SH   SOLE 0 0 0 511
EXXON MOBIL CORP COM 30231G102   2,160,812 19,705 SH   SOLE 0 0 0 19,705
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   353,716 6,944 SH   SOLE 0 0 0 6,944
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   9,926,208 485,864 SH   SOLE 0 0 0 485,864
FORD MTR CO DEL COM 345370860   1,444,199 114,619 SH   SOLE 0 0 0 114,619
GRANITESHARES GOLD TR SHS BEN INT 38748G101   815,323 41,790 SH   SOLE 0 0 0 41,790
HCA HEALTHCARE INC COM 40412C101   1,512,207 5,735 SH   SOLE 0 0 0 5,735
HUNTINGTON BANCSHARES INC COM 446150104   239,506 21,384 SH   SOLE 0 0 0 21,384
ISHARES INC JP MORGAN EM ETF 464286517   6,463,786 179,301 SH   SOLE 0 0 0 179,301
ISHARES INC CORE MSCI EMKT 46434G103   248,843 5,100 SH   SOLE 0 0 0 5,100
ISHARES INC MSCI EMERG MRKT 464286533   217,106 3,978 SH   SOLE 0 0 0 3,978
ISHARES TR CORE S&P SCP ETF 464287804   281,021 2,906 SH   SOLE 0 0 0 2,906
ISHARES TR GRWT ALLOCAT ETF 464289867   300,430 6,005 SH   SOLE 0 0 0 6,005
ISHARES TR NATIONAL MUN ETF 464288414   589,446 5,471 SH   SOLE 0 0 0 5,471
ISHARES TR SHRT NAT MUN ETF 464288158   865,815 8,271 SH   SOLE 0 0 0 8,271
ISHARES TR AGGRES ALLOC ETF 464289859   401,571 6,315 SH   SOLE 0 0 0 6,315
ISHARES TR CORE US AGGBD ET 464287226   1,087,876 10,918 SH   SOLE 0 0 0 10,918
ISHARES TR CORE S&P500 ETF 464287200   649,087 1,579 SH   SOLE 0 0 0 1,579
ISHARES TR CORE S&P MCP ETF 464287507   3,291,822 13,159 SH   SOLE 0 0 0 13,159
ISHARES TR MSCI INTL QUALTY 46434V456   29,818,969 844,730 SH   SOLE 0 0 0 844,730
ISHARES TR 0-5YR HI YL CP 46434V407   13,390,575 321,271 SH   SOLE 0 0 0 321,271
ISHARES TR INTERNATIONAL SL 46434V266   5,104,693 164,231 SH   SOLE 0 0 0 164,231
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   253,454 5,006 SH   SOLE 0 0 0 5,006
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   354,303 7,041 SH   SOLE 0 0 0 7,041
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   249,584 5,078 SH   SOLE 0 0 0 5,078
JPMORGAN CHASE & CO COM 46625H100   1,459,439 11,200 SH   SOLE 0 0 0 11,200
KLA CORP COM NEW 482480100   1,437,196 3,600 SH   SOLE 0 0 0 3,600
LOWES COS INC COM 548661107   1,394,453 6,973 SH   SOLE 0 0 0 6,973
MCDONALDS CORP COM 580135101   566,490 2,026 SH   SOLE 0 0 0 2,026
MERCK & CO INC COM 58933Y105   478,542 4,498 SH   SOLE 0 0 0 4,498
METLIFE INC COM 59156R108   1,108,577 19,133 SH   SOLE 0 0 0 19,133
MICROSOFT CORP COM 594918104   1,725,553 5,985 SH   SOLE 0 0 0 5,985
NEXTERA ENERGY INC COM 65339F101   409,045 5,307 SH   SOLE 0 0 0 5,307
NIKE INC CL B 654106103   455,698 3,716 SH   SOLE 0 0 0 3,716
PEPSICO INC COM 713448108   1,442,011 7,910 SH   SOLE 0 0 0 7,910
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,172,133 21,885 SH   SOLE 0 0 0 21,885
PROCTER AND GAMBLE CO COM 742718109   1,832,519 12,324 SH   SOLE 0 0 0 12,324
PROGRESSIVE CORP COM 743315103   1,586,188 11,088 SH   SOLE 0 0 0 11,088
SCHWAB STRATEGIC TR US TIPS ETF 808524870   344,980 6,435 SH   SOLE 0 0 0 6,435
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   511,657 10,757 SH   SOLE 0 0 0 10,757
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   13,697,997 249,417 SH   SOLE 0 0 0 249,417
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,664,879 25,387 SH   SOLE 0 0 0 25,387
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   1,710,296 33,767 SH   SOLE 0 0 0 33,767
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   441,915 13,758 SH   SOLE 0 0 0 13,758
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   16,264,450 476,544 SH   SOLE 0 0 0 476,544
SPDR SER TR BLOOMBERG SHT TE 78468R408   511,207 20,580 SH   SOLE 0 0 0 20,580
SPDR SER TR BLOOMBERG EMERGI 78464A391   437,720 20,628 SH   SOLE 0 0 0 20,628
SPDR SER TR PORTFOLIO AGRGTE 78464A649   13,815,423 535,689 SH   SOLE 0 0 0 535,689
SPDR SER TR NUVEEN BLOOMBERG 78464A284   378,304 15,108 SH   SOLE 0 0 0 15,108
SPDR SER TR PORTFOLIO S&P400 78464A847   14,623,828 332,814 SH   SOLE 0 0 0 332,814
SPDR SER TR S&P 600 SMCP GRW 78464A201   4,380,595 59,398 SH   SOLE 0 0 0 59,398
SPDR SER TR S&P 600 SMCP VAL 78464A300   9,328,393 122,452 SH   SOLE 0 0 0 122,452
SPDR SER TR NUVEEN BLMBRG SH 78468R739   732,032 15,395 SH   SOLE 0 0 0 15,395
SPDR SER TR PORTFOLI S&P1500 78464A805   39,903,973 791,275 SH   SOLE 0 0 0 791,275
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   296,237 7,220 SH   SOLE 0 0 0 7,220
SSGA ACTIVE TR SPDR DBLELN SHRT 78470P200   216,387 4,660 SH   SOLE 0 0 0 4,660
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   202,867 6,349 SH   SOLE 0 0 0 6,349
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   990,608 19,146 SH   SOLE 0 0 0 19,146
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,110,773 13,754 SH   SOLE 0 0 0 13,754
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   622,351 8,430 SH   SOLE 0 0 0 8,430
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,203,682 10,797 SH   SOLE 0 0 0 10,797
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,833,952 94,900 SH   SOLE 0 0 0 94,900
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,195,667 23,602 SH   SOLE 0 0 0 23,602
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,847,896 116,068 SH   SOLE 0 0 0 116,068
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,250,531 27,685 SH   SOLE 0 0 0 27,685
VERIZON COMMUNICATIONS INC COM 92343V104   2,037,689 52,396 SH   SOLE 0 0 0 52,396
WALMART INC COM 931142103   257,595 1,747 SH   SOLE 0 0 0 1,747
WASTE MGMT INC DEL COM 94106L109   311,316 1,908 SH   SOLE 0 0 0 1,908
WORLD GOLD TR SPDR GLD MINIS 98149E303   8,140,119 208,134 SH   SOLE 0 0 0 208,134