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
DRAFTKINGS INC COM CL A 26142R104 783 12,766 SH   SOLE 0 0 0 12,766
PFIZER INC COM 717081103 2,621 72,351 SH   SOLE 0 0 0 72,351
DISNEY WALT CO COM 254687106 291 1,576 SH   SOLE 0 0 0 1,576
SPDR S&P 500 ETF TR TR UNIT 78462F103 432 1,091 SH   SOLE 0 0 0 1,091
ACTIVISION BLIZZARD INC COM 00507V109 969 10,422 SH   SOLE 0 0 0 10,422
GENERAL ELECTRIC CO COM 369604103 145 11,061 SH   SOLE 0 0 0 11,061
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,484 46,708 SH   SOLE 0 0 0 46,708
ABBOTT LABS COM 002824100 2,954 24,652 SH   SOLE 0 0 0 24,652
PEPSICO INC COM 713448108 2,760 19,513 SH   SOLE 0 0 0 19,513
BK OF AMERICA CORP COM 060505104 2,510 64,863 SH   SOLE 0 0 0 64,863
FS KKR CAP CORP II COM 35952V303 870 44,546 SH   SOLE 0 0 0 44,546
REDFIN CORP COM 75737F108 477 7,162 SH   SOLE 0 0 0 7,162
CVS HEALTH CORP COM 126650100 2,689 35,737 SH   SOLE 0 0 0 35,737
UNION PAC CORP COM 907818108 345 1,564 SH   SOLE 0 0 0 1,564
AT&T INC COM 00206R102 259 8,541 SH   SOLE 0 0 0 8,541
APPLE INC COM 037833100 10,767 88,149 SH   SOLE 0 0 0 88,149
AMAZON COM INC COM 023135106 3,781 1,222 SH   SOLE 0 0 0 1,222
NOVO-NORDISK A S ADR 670100205 2,140 31,742 SH   SOLE 0 0 0 31,742
QUALCOMM INC COM 747525103 207 1,563 SH   SOLE 0 0 0 1,563
LOWES COS INC COM 548661107 437 2,299 SH   SOLE 0 0 0 2,299
PHILIP MORRIS INTL INC COM 718172109 525 5,916 SH   SOLE 0 0 0 5,916
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,306 73,300 SH   SOLE 0 0 0 73,300
PROCTER AND GAMBLE CO COM 742718109 14,293 105,540 SH   SOLE 0 0 0 105,540
UPSTART HLDGS INC COM 91680M107 511 3,962 SH   SOLE 0 0 0 3,962
NORFOLK SOUTHN CORP COM 655844108 2,409 8,970 SH   SOLE 0 0 0 8,970
BOEING CO COM 097023105 248 972 SH   SOLE 0 0 0 972
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 623 9,915 SH   SOLE 0 0 0 9,915
TRUIST FINL CORP COM 89832Q109 3,985 68,331 SH   SOLE 0 0 0 68,331
SCHWAB CHARLES CORP COM 808513105 231 3,540 SH   SOLE 0 0 0 3,540
CINCINNATI FINL CORP COM 172062101 2,935 28,470 SH   SOLE 0 0 0 28,470
DUKE ENERGY CORP NEW COM NEW 26441C204 900 9,322 SH   SOLE 0 0 0 9,322
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209 853 73,952 SH   SOLE 0 0 0 73,952
NIKE INC CL B 654106103 764 5,753 SH   SOLE 0 0 0 5,753
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 222 1,878 SH   SOLE 0 0 0 1,878
WALMART INC COM 931142103 504 3,712 SH   SOLE 0 0 0 3,712
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 4,146 76,850 SH   SOLE 0 0 0 76,850
INTEL CORP COM 458140100 2,951 46,105 SH   SOLE 0 0 0 46,105
US BANCORP DEL COM NEW 902973304 229 4,133 SH   SOLE 0 0 0 4,133
SHERWIN WILLIAMS CO COM 824348106 916 1,241 SH   SOLE 0 0 0 1,241
COMCAST CORP NEW CL A 20030N101 3,739 69,093 SH   SOLE 0 0 0 69,093
ISHARES TR CORE S&P SCP ETF 464287804 1,815 16,722 SH   SOLE 0 0 0 16,722
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,394 35,095 SH   SOLE 0 0 0 35,095
EQUINIX INC COM 29444U700 2,154 3,170 SH   SOLE 0 0 0 3,170
JPMORGAN CHASE & CO COM 46625H100 5,076 33,342 SH   SOLE 0 0 0 33,342
CISCO SYS INC COM 17275R102 253 4,889 SH   SOLE 0 0 0 4,889
SHOPIFY INC CL A 82509L107 727 657 SH   SOLE 0 0 0 657
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 2,048 94,617 SH   SOLE 0 0 0 94,617
EXXON MOBIL CORP COM 30231G102 267 4,779 SH   SOLE 0 0 0 4,779
DOW INC COM 260557103 438 6,853 SH   SOLE 0 0 0 6,853
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 712 3,142 SH   SOLE 0 0 0 3,142
ABBVIE INC COM 00287Y109 269 2,482 SH   SOLE 0 0 0 2,482
CHEVRON CORP NEW COM 166764100 998 9,519 SH   SOLE 0 0 0 9,519
BROADCOM INC COM 11135F101 3,858 8,320 SH   SOLE 0 0 0 8,320
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 274 1,073 SH   SOLE 0 0 0 1,073
GILEAD SCIENCES INC COM 375558103 2,400 37,132 SH   SOLE 0 0 0 37,132
CME GROUP INC COM 12572Q105 3,170 15,524 SH   SOLE 0 0 0 15,524
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,846 60,457 SH   SOLE 0 0 0 60,457
CONCENTRIX CORP COM 20602D101 219 1,461 SH   SOLE 0 0 0 1,461
VISA INC COM CL A 92826C839 3,713 17,537 SH   SOLE 0 0 0 17,537
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,428 43,702 SH   SOLE 0 0 0 43,702
ALLOGENE THERAPEUTICS INC COM 019770106 643 18,208 SH   SOLE 0 0 0 18,208
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,302 87,772 SH   SOLE 0 0 0 87,772
REPRO MED SYS INC COM 759910102 53 15,075 SH   SOLE 0 0 0 15,075
KLA CORP COM NEW 482480100 864 2,615 SH   SOLE 0 0 0 2,615
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 205 8,871 SH   SOLE 0 0 0 8,871
EXELON CORP COM 30161N101 2,365 54,068 SH   SOLE 0 0 0 54,068
MARSH & MCLENNAN COS INC COM 571748102 2,465 20,234 SH   SOLE 0 0 0 20,234
TJX COS INC NEW COM 872540109 1,213 18,337 SH   SOLE 0 0 0 18,337
FACEBOOK INC CL A 30303M102 1,602 5,440 SH   SOLE 0 0 0 5,440
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 22,383 306,956 SH   SOLE 0 0 0 306,956
VANGUARD INDEX FDS TOTAL STK MKT 922908769 229 1,106 SH   SOLE 0 0 0 1,106
ALTRIA GROUP INC COM 02209S103 343 6,708 SH   SOLE 0 0 0 6,708
HOME DEPOT INC COM 437076102 1,760 5,765 SH   SOLE 0 0 0 5,765
MERCADOLIBRE INC COM 58733R102 377 256 SH   SOLE 0 0 0 256
ISHARES TR CORE US AGGBD ET 464287226 800 7,024 SH   SOLE 0 0 0 7,024
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 2,182 103,243 SH   SOLE 0 0 0 103,243
L3HARRIS TECHNOLOGIES INC COM 502431109 221 1,090 SH   SOLE 0 0 0 1,090
COCA COLA CO COM 191216100 705 13,366 SH   SOLE 0 0 0 13,366
NETFLIX INC COM 64110L106 1,171 2,244 SH   SOLE 0 0 0 2,244
INVESCO QQQ TR UNIT SER 1 46090E103 262 821 SH   SOLE 0 0 0 821
AMGEN INC COM 031162100 455 1,828 SH   SOLE 0 0 0 1,828
TESLA INC COM 88160R101 411 615 SH   SOLE 0 0 0 615
SIRIUS XM HOLDINGS INC COM 82968B103 62 10,118 SH   SOLE 0 0 0 10,118
VERIZON COMMUNICATIONS INC COM 92343V104 3,385 58,207 SH   SOLE 0 0 0 58,207
UNITEDHEALTH GROUP INC COM 91324P102 3,695 9,932 SH   SOLE 0 0 0 9,932
YUM BRANDS INC COM 988498101 2,253 20,822 SH   SOLE 0 0 0 20,822
CSX CORP COM 126408103 396 4,107 SH   SOLE 0 0 0 4,107
LOCKHEED MARTIN CORP COM 539830109 786 2,128 SH   SOLE 0 0 0 2,128
SCHWAB STRATEGIC TR US TIPS ETF 808524870 311 5,089 SH   SOLE 0 0 0 5,089
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,788 51,572 SH   SOLE 0 0 0 51,572
AZEK CO INC CL A 05478C105 474 11,270 SH   SOLE 0 0 0 11,270
XENIA HOTELS & RESORTS INC COM 984017103 283 14,501 SH   SOLE 0 0 0 14,501
3M CO COM 88579Y101 636 3,302 SH   SOLE 0 0 0 3,302
FLEETCOR TECHNOLOGIES INC COM 339041105 512 1,907 SH   SOLE 0 0 0 1,907
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 2,059 94,583 SH   SOLE 0 0 0 94,583
LAUDER ESTEE COS INC CL A 518439104 2,920 10,038 SH   SOLE 0 0 0 10,038
NORTHROP GRUMMAN CORP COM 666807102 2,631 8,131 SH   SOLE 0 0 0 8,131
MICROSOFT CORP COM 594918104 5,160 21,885 SH   SOLE 0 0 0 21,885
ADOBE SYSTEMS INCORPORATED COM 00724F101 830 1,747 SH   SOLE 0 0 0 1,747
MCDONALDS CORP COM 580135101 849 3,789 SH   SOLE 0 0 0 3,789
ANTHEM INC COM 036752103 997 2,777 SH   SOLE 0 0 0 2,777
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,477 66,621 SH   SOLE 0 0 0 66,621
GOLDMAN SACHS GROUP INC COM 38141G104 864 2,641 SH   SOLE 0 0 0 2,641
ALPHABET INC CAP STK CL A 02079K305 322 156 SH   SOLE 0 0 0 156
CLOROX CO DEL COM 189054109 564 2,922 SH   SOLE 0 0 0 2,922
DOCUSIGN INC COM 256163106 660 3,260 SH   SOLE 0 0 0 3,260
NEWMONT CORP COM 651639106 369 6,120 SH   SOLE 0 0 0 6,120
ALPHABET INC CAP STK CL C 02079K107 3,045 1,472 SH   SOLE 0 0 0 1,472
PELOTON INTERACTIVE INC CL A COM 70614W100 493 4,388 SH   SOLE 0 0 0 4,388
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 6,744 132,883 SH   SOLE 0 0 0 132,883
HONEYWELL INTL INC COM 438516106 802 3,693 SH   SOLE 0 0 0 3,693
KROGER CO COM 501044101 263 7,312 SH   SOLE 0 0 0 7,312
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 3,816 37,449 SH   SOLE 0 0 0 37,449
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 1,465 66,162 SH   SOLE 0 0 0 66,162
CONOCOPHILLIPS COM 20825C104 360 6,789 SH   SOLE 0 0 0 6,789
LUFAX HOLDING LTD ADS REP SHS CL A 54975P102 527 36,296 SH   SOLE 0 0 0 36,296
CROWN CASTLE INTL CORP NEW COM 22822V101 3,284 19,080 SH   SOLE 0 0 0 19,080
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,807 24,283 SH   SOLE 0 0 0 24,283
FIRST FINL BANCORP OH COM 320209109 1,699 70,789 SH   SOLE 0 0 0 70,789
AIR PRODS & CHEMS INC COM 009158106 2,330 8,282 SH   SOLE 0 0 0 8,282
JOHNSON & JOHNSON COM 478160104 1,162 7,070 SH   SOLE 0 0 0 7,070
S&P GLOBAL INC COM 78409V104 617 1,750 SH   SOLE 0 0 0 1,750
LEMONADE INC COM 52567D107 456 4,896 SH   SOLE 0 0 0 4,896