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
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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
ALPHABET INC CAP STK CL C 02079K107   4,308,795 30,561 SH   SOLE 0 0 0 30,561
AMAZON COM INC COM 023135106   4,367,828 33,223 SH   SOLE 0 0 0 33,223
APPLE INC COM 037833100   4,945,479 27,917 SH   SOLE 0 0 0 27,917
BERKLEY W R CORP COM 084423102   2,707,836 40,972 SH   SOLE 0 0 0 40,972
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,114,286 11,912 SH   SOLE 0 0 0 11,912
BP PLC SPONSORED ADR 055622104   367,290 9,000 SH   SOLE 0 0 0 9,000
CAPITAL ONE FINL CORP COM 14040H105   2,523,303 25,737 SH   SOLE 0 0 0 25,737
CHEVRON CORP NEW COM 166764100   334,858 1,998 SH   SOLE 0 0 0 1,998
COCA COLA CO COM 191216100   264,727 4,896 SH   SOLE 0 0 0 4,896
CSX CORP COM 126408103   343,564 10,952 SH   SOLE 0 0 0 10,952
DEERE & CO COM 244199105   200,523 513 SH   SOLE 0 0 0 513
EXXON MOBIL CORP COM 30231G102   3,348,004 30,057 SH   SOLE 0 0 0 30,057
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   343,494 7,069 SH   SOLE 0 0 0 7,069
FIRST TR EXCHNG TRADED FD VI CBOE VEST FD DEP 33740U703   1,042,562 48,559 SH   SOLE 0 0 0 48,559
GRANITESHARES GOLD TR SHS BEN INT 38748G101   219,014 11,521 SH   SOLE 0 0 0 11,521
HCA HEALTHCARE INC COM 40412C101   2,783,180 11,408 SH   SOLE 0 0 0 11,408
HUNTINGTON BANCSHARES INC COM 446150104   217,648 20,968 SH   SOLE 0 0 0 20,968
ISHARES INC JP MORGAN EM ETF 464286517   7,589,251 220,298 SH   SOLE 0 0 0 220,298
ISHARES INC CORE MSCI EMKT 46434G103   328,611 6,893 SH   SOLE 0 0 0 6,893
ISHARES TR NATIONAL MUN ETF 464288414   692,612 6,807 SH   SOLE 0 0 0 6,807
ISHARES TR SHRT NAT MUN ETF 464288158   817,184 7,924 SH   SOLE 0 0 0 7,924
ISHARES TR CORE S&P MCP ETF 464287507   3,460,677 13,815 SH   SOLE 0 0 0 13,815
ISHARES TR 0-3 MNTH TREASRY 46436E718   359,453 3,577 SH   SOLE 0 0 0 3,577
ISHARES TR IBOXX HI YD ETF 464288513   314,462 4,344 SH   SOLE 0 0 0 4,344
ISHARES TR CORE US AGGBD ET 464287226   1,286,077 13,911 SH   SOLE 0 0 0 13,911
ISHARES TR AGGRES ALLOC ETF 464289859   306,999 4,824 SH   SOLE 0 0 0 4,824
ISHARES TR MSCI INTL QUALTY 46434V456   33,816,270 996,942 SH   SOLE 0 0 0 996,942
ISHARES TR CORE S&P500 ETF 464287200   392,546 896 SH   SOLE 0 0 0 896
ISHARES TR INTERNATIONAL SL 46434V266   5,575,546 193,059 SH   SOLE 0 0 0 193,059
ISHARES TR IBONDS 24 TRM TS 46436E874   20,808,617 874,312 SH   SOLE 0 0 0 874,312
ISHARES TR 0-5YR HI YL CP 46434V407   15,677,593 387,867 SH   SOLE 0 0 0 387,867
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   289,740 6,035 SH   SOLE 0 0 0 6,035
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   318,559 6,361 SH   SOLE 0 0 0 6,361
JPMORGAN CHASE & CO COM 46625H100   3,193,699 21,648 SH   SOLE 0 0 0 21,648
KLA CORP COM NEW 482480100   2,597,334 5,340 SH   SOLE 0 0 0 5,340
LOWES COS INC COM 548661107   2,326,576 11,741 SH   SOLE 0 0 0 11,741
MCDONALDS CORP COM 580135101   530,659 2,113 SH   SOLE 0 0 0 2,113
MERCK & CO INC COM 58933Y105   465,952 4,473 SH   SOLE 0 0 0 4,473
MICROSOFT CORP COM 594918104   2,795,614 8,419 SH   SOLE 0 0 0 8,419
NEXTERA ENERGY INC COM 65339F101   289,171 5,338 SH   SOLE 0 0 0 5,338
NIKE INC CL B 654106103   382,818 3,716 SH   SOLE 0 0 0 3,716
PEPSICO INC COM 713448108   2,304,152 14,368 SH   SOLE 0 0 0 14,368
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,319,546 23,207 SH   SOLE 0 0 0 23,207
PROCTER AND GAMBLE CO COM 742718109   2,799,373 19,140 SH   SOLE 0 0 0 19,140
PROGRESSIVE CORP COM 743315103   3,471,344 21,841 SH   SOLE 0 0 0 21,841
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   17,290,727 305,059 SH   SOLE 0 0 0 305,059
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714   556,436 11,933 SH   SOLE 0 0 0 11,933
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,682,006 25,997 SH   SOLE 0 0 0 25,997
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   18,584,955 554,278 SH   SOLE 0 0 0 554,278
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   275,761 8,907 SH   SOLE 0 0 0 8,907
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   1,897,368 35,769 SH   SOLE 0 0 0 35,769
SPDR S&P 500 ETF TR TR UNIT 78462F103   273,821 628 SH   SOLE 0 0 0 628
SPDR SER TR PORTFLI TIPS ETF 78464A656   282,375 11,474 SH   SOLE 0 0 0 11,474
SPDR SER TR NUVEEN BLMBRG SH 78468R739   844,934 18,257 SH   SOLE 0 0 0 18,257
SPDR SER TR S&P 600 SMCP VAL 78464A300   11,104,549 154,444 SH   SOLE 0 0 0 154,444
SPDR SER TR S&P 600 SMCP GRW 78464A201   5,362,088 72,964 SH   SOLE 0 0 0 72,964
SPDR SER TR BLOOMBERG EMERGI 78464A391   423,874 21,615 SH   SOLE 0 0 0 21,615
SPDR SER TR PORTFOLI S&P1500 78464A805   48,446,196 906,044 SH   SOLE 0 0 0 906,044
SPDR SER TR NUVEEN BLOOMBERG 78464A284   701,474 30,016 SH   SOLE 0 0 0 30,016
SPDR SER TR PORTFOLIO AGRGTE 78464A649   15,327,421 641,046 SH   SOLE 0 0 0 641,046
SPDR SER TR BLOOMBERG SHT TE 78468R408   771,925 32,070 SH   SOLE 0 0 0 32,070
SPDR SER TR PORTFOLIO S&P400 78464A847   17,484,297 397,370 SH   SOLE 0 0 0 397,370
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   413,837 10,919 SH   SOLE 0 0 0 10,919
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   441,005 9,188 SH   SOLE 0 0 0 9,188
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   1,140,867 14,925 SH   SOLE 0 0 0 14,925
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   948,772 13,823 SH   SOLE 0 0 0 13,823
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,453,335 11,343 SH   SOLE 0 0 0 11,343
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,333,071 85,158 SH   SOLE 0 0 0 85,158
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,240,467 25,989 SH   SOLE 0 0 0 25,989
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,275,836 151,130 SH   SOLE 0 0 0 151,130
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,190,336 27,270 SH   SOLE 0 0 0 27,270
VERIZON COMMUNICATIONS INC COM 92343V104   3,323,713 105,481 SH   SOLE 0 0 0 105,481
WALMART INC COM 931142103   282,001 1,747 SH   SOLE 0 0 0 1,747
WASTE MGMT INC DEL COM 94106L109   304,904 1,905 SH   SOLE 0 0 0 1,905
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,413,684 41,974 SH   SOLE 0 0 0 41,974