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
APPLE INC COM 037833100 22,993 162,496 SH   SOLE   22,900 0 139,596
PROCTER AND GAMBLE CO COM 742718109 14,569 104,214 SH   SOLE   11,195 0 93,019
MICROSOFT CORP COM 594918104 10,892 38,636 SH   SOLE   5,882 0 32,754
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 10,323 203,536 SH   SOLE   15,553 0 187,983
ISHARES TR CORE S&P MCP ETF 464287507 9,786 37,199 SH   SOLE   2,311 0 34,888
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,009 105,427 SH   SOLE   9,154 0 96,273
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 8,822 172,335 SH   SOLE   14,351 0 157,984
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,078 18,823 SH   SOLE   1,116 0 17,707
INVESCO QQQ TR UNIT SER 1 46090E103 7,796 21,779 SH   SOLE   14,399 0 7,380
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7,641 51,171 SH   SOLE   848 0 50,323
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 5,572 54,666 SH   SOLE   5,979 0 48,687
JOHNSON & JOHNSON COM 478160104 5,551 34,369 SH   SOLE   4,026 0 30,343
JPMORGAN CHASE & CO COM 46625H100 5,145 31,430 SH   SOLE   3,486 0 27,945
DISNEY WALT CO COM 254687106 4,651 27,493 SH   SOLE   2,820 0 24,673
NEXTERA ENERGY INC COM 65339F101 4,485 57,117 SH   SOLE   4,504 0 52,613
VISA INC COM CL A 92826C839 3,973 17,836 SH   SOLE   1,992 0 15,844
ORACLE CORP COM 68389X105 3,966 45,522 SH   SOLE   708 0 44,814
ABBOTT LABS COM 002824100 3,818 32,323 SH   SOLE   3,570 0 28,754
LILLY ELI & CO COM 532457108 3,663 15,852 SH   SOLE   1,408 0 14,443
ISHARES TR CORE S&P500 ETF 464287200 3,617 8,395 SH   SOLE   2,970 0 5,425
MICROCHIP TECHNOLOGY INC. COM 595017104 3,410 22,216 SH   SOLE   600 0 21,616
AMAZON COM INC COM 023135106 3,328 1,013 SH   SOLE   46 0 967
PEPSICO INC COM 713448108 3,196 21,250 SH   SOLE   3,155 0 18,095
BLACKROCK INC COM 09247X101 3,171 3,781 SH   SOLE   391 0 3,389
EDWARDS LIFESCIENCES CORP COM 28176E108 3,145 27,784 SH   SOLE   300 0 27,484
WALMART INC COM 931142103 3,113 22,335 SH   SOLE   1,670 0 20,665
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,963 19,776 SH   SOLE   14,013 0 5,763
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 2,710 47,790 SH   SOLE   0 0 47,790
PFIZER INC COM 717081103 2,452 57,012 SH   SOLE   6,083 0 50,929
HUMANA INC COM 444859102 2,366 6,081 SH   SOLE   60 0 6,021
AMERICAN TOWER CORP NEW COM 03027X100 2,353 8,866 SH   SOLE   839 0 8,027
ISHARES TR ISHARES BIOTECH 464287556 2,292 14,178 SH   SOLE   37 0 14,141
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,215 8,114 SH   SOLE   500 0 7,614
CROWN CASTLE INTL CORP NEW COM 22822V101 2,188 12,621 SH   SOLE   2,025 0 10,597
ALPHABET INC CAP STK CL A 02079K305 2,182 816 SH   SOLE   51 0 765
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,057 5 SH   SOLE   0 0 5
ABBVIE INC COM 00287Y109 2,008 18,619 SH   SOLE   4,552 0 14,067
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,946 129,484 SH   SOLE   11,648 0 117,836
NVIDIA CORPORATION COM 67066G104 1,931 9,321 SH   SOLE   4,575 0 4,746
HOME DEPOT INC COM 437076102 1,896 5,776 SH   SOLE   1,343 0 4,433
CHUBB LIMITED COM H1467J104 1,892 10,905 SH   SOLE   322 0 10,583
CSX CORP COM 126408103 1,815 61,019 SH   SOLE   5,074 0 55,945
ISHARES TR CORE S&P SCP ETF 464287804 1,797 16,456 SH   SOLE   6,307 0 10,150
NORTHROP GRUMMAN CORP COM 666807102 1,788 4,964 SH   SOLE   491 0 4,473
MERCK & CO INC COM 58933Y105 1,753 23,336 SH   SOLE   744 0 22,592
SHERWIN WILLIAMS CO COM 824348106 1,732 6,192 SH   SOLE   688 0 5,504
CORESITE RLTY CORP COM 21870Q105 1,725 12,450 SH   SOLE   0 0 12,450
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,725 20,929 SH   SOLE   434 0 20,495
PUBLIC STORAGE COM 74460D109 1,700 5,723 SH   SOLE   90 0 5,633
FEDEX CORP COM 31428X106 1,583 7,217 SH   SOLE   0 0 7,217
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,544 30,590 SH   SOLE   8,282 0 22,308
TJX COS INC NEW COM 872540109 1,524 23,094 SH   SOLE   61 0 23,033
ISHARES TR IBOXX INV CP ETF 464287242 1,510 11,348 SH   SOLE   212 0 11,136
EXXON MOBIL CORP COM 30231G102 1,476 25,102 SH   SOLE   3,535 0 21,567
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,404 15,696 SH   SOLE   2,584 0 13,111
SKYWORKS SOLUTIONS INC COM 83088M102 1,362 8,264 SH   SOLE   1,157 0 7,107
ISHARES TR CORE TOTAL USD 46434V613 1,345 25,271 SH   SOLE   0 0 25,271
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,306 4,081 SH   SOLE   2,212 0 1,869
UNITEDHEALTH GROUP INC COM 91324P102 1,291 3,305 SH   SOLE   709 0 2,596
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,288 5,889 SH   SOLE   4,230 0 1,660
UNION PAC CORP COM 907818108 1,164 5,941 SH   SOLE   2,134 0 3,807
ISHARES TR CORE US AGGBD ET 464287226 1,144 9,961 SH   SOLE   0 0 9,961
BROADCOM INC COM 11135F101 1,131 2,333 SH   SOLE   676 0 1,657
ISHARES TR MSCI EAFE ETF 464287465 1,127 14,445 SH   SOLE   2,027 0 12,418
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,126 22,525 SH   SOLE   6,066 0 16,459
MCDONALDS CORP COM 580135101 1,100 4,562 SH   SOLE   1,656 0 2,907
ISHARES SILVER TR ISHARES 46428Q109 1,085 52,875 SH   SOLE   1,165 0 51,710
TEXAS INSTRS INC COM 882508104 1,080 5,621 SH   SOLE   1,736 0 3,885
INTEL CORP COM 458140100 1,051 19,733 SH   SOLE   1,954 0 17,779
3M CO COM 88579Y101 1,051 5,989 SH   SOLE   445 0 5,544
TRAVELERS COMPANIES INC COM 89417E109 1,045 6,875 SH   SOLE   150 0 6,725
BRISTOL-MYERS SQUIBB CO COM 110122108 1,044 17,646 SH   SOLE   6,312 0 11,333
ADVANCED DRAIN SYS INC DEL COM 00790R104 1,036 9,580 SH   SOLE   25 0 9,555
COSTCO WHSL CORP NEW COM 22160K105 1,027 2,286 SH   SOLE   664 0 1,622
ISHARES TR S&P 500 VAL ETF 464287408 992 6,819 SH   SOLE   0 0 6,819
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 976 25,208 SH   SOLE   5,174 0 20,034
VERIZON COMMUNICATIONS INC COM 92343V104 958 17,732 SH   SOLE   2,708 0 15,024
DUKE ENERGY CORP NEW COM NEW 26441C204 949 9,720 SH   SOLE   1,113 0 8,607
ISHARES TR NATIONAL MUN ETF 464288414 927 7,979 SH   SOLE   7,536 0 443
AMERISOURCEBERGEN CORP COM 03073E105 892 7,470 SH   SOLE   525 0 6,945
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 884 9,035 SH   SOLE   5,070 0 3,965
AMGEN INC COM 031162100 868 4,080 SH   SOLE   1,135 0 2,945
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 868 8,675 SH   SOLE   504 0 8,172
AUTOMATIC DATA PROCESSING IN COM 053015103 846 4,230 SH   SOLE   1,153 0 3,077
SCHWAB STRATEGIC TR US REIT ETF 808524847 828 18,119 SH   SOLE   60 0 18,059
ISHARES TR RUS 2000 VAL ETF 464287630 819 5,114 SH   SOLE   120 0 4,994
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 805 26,414 SH   SOLE   0 0 26,414
WASTE MGMT INC DEL COM 94106L109 798 5,344 SH   SOLE   2,410 0 2,934
US BANCORP DEL COM NEW 902973304 790 13,287 SH   SOLE   4,752 0 8,535
LOCKHEED MARTIN CORP COM 539830109 784 2,271 SH   SOLE   890 0 1,381
MARVELL TECHNOLOGY INC COM 573874104 784 12,999 SH   SOLE   100 0 12,899
ISHARES TR S&P 500 GRWT ETF 464287309 779 10,542 SH   SOLE   400 0 10,142
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 761 14,279 SH   SOLE   9 0 14,270
CHEVRON CORP NEW COM 166764100 754 7,435 SH   SOLE   1,416 0 6,019
LAM RESEARCH CORP COM 512807108 728 1,279 SH   SOLE   184 0 1,095
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 696 18,535 SH   SOLE   10,100 0 8,435
CARRIER GLOBAL CORPORATION COM 14448C104 687 13,267 SH   SOLE   750 0 12,517
MONDELEZ INTL INC CL A 609207105 667 11,469 SH   SOLE   3,270 0 8,199
CATERPILLAR INC COM 149123101 641 3,341 SH   SOLE   280 0 3,061
NIKE INC CL B 654106103 624 4,299 SH   SOLE   2,915 0 1,384
SPDR GOLD TR GOLD SHS 78463V107 604 3,681 SH   SOLE   2,730 0 951
MASTERCARD INCORPORATED CL A 57636Q104 603 1,735 SH   SOLE   1,045 0 690
PRICE T ROWE GROUP INC COM 74144T108 603 3,068 SH   SOLE   1,349 0 1,718
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 596 14,359 SH   SOLE   0 0 14,359
AIR PRODS & CHEMS INC COM 009158106 595 2,323 SH   SOLE   952 0 1,371
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 588 7,411 SH   SOLE   2,817 0 4,594
AMERICAN FINL GROUP INC OHIO COM 025932104 553 4,398 SH   SOLE   4,198 0 200
PROSHARES TR S&P 500 DV ARIST 74348A467 548 6,191 SH   SOLE   4,878 0 1,313
TARGET CORP COM 87612E106 545 2,381 SH   SOLE   8 0 2,373
CONOCOPHILLIPS COM 20825C104 538 7,939 SH   SOLE   700 0 7,239
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 523 6,530 SH   SOLE   0 0 6,530
OTIS WORLDWIDE CORP COM 68902V107 514 6,252 SH   SOLE   375 0 5,877
COMCAST CORP NEW CL A 20030N101 492 8,804 SH   SOLE   3,360 0 5,444
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 492 4,832 SH   SOLE   1,058 0 3,774
AMN HEALTHCARE SVCS INC COM 001744101 488 4,250 SH   SOLE   0 0 4,250
PAYPAL HLDGS INC COM 70450Y103 488 1,874 SH   SOLE   366 0 1,508
TESLA INC COM 88160R101 484 624 SH   SOLE   53 0 571
AMERICAN ELEC PWR CO INC COM 025537101 481 5,919 SH   SOLE   2,420 0 3,499
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 471 3,701 SH   SOLE   1,500 0 2,201
GENERAC HLDGS INC COM 368736104 460 1,125 SH   SOLE   0 0 1,125
BK OF AMERICA CORP COM 060505104 455 10,709 SH   SOLE   1,327 0 9,382
WEC ENERGY GROUP INC COM 92939U106 455 5,164 SH   SOLE   2,418 0 2,746
AMERIPRISE FINL INC COM 03076C106 453 1,714 SH   SOLE   757 0 957
HONEYWELL INTL INC COM 438516106 449 2,117 SH   SOLE   639 0 1,478
ISHARES INC MSCI JPN ETF NEW 46434G822 449 6,395 SH   SOLE   0 0 6,395
RAYTHEON TECHNOLOGIES CORP COM 75513E101 449 5,218 SH   SOLE   369 0 4,849
ISHARES TR RUSSELL 2000 ETF 464287655 444 2,028 SH   SOLE   65 0 1,963
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 439 2,448 SH   SOLE   1,250 0 1,198
FACEBOOK INC CL A 30303M102 434 1,280 SH   SOLE   474 0 806
WISDOMTREE TR US HIGH DIVIDEND 97717W208 433 5,624 SH   SOLE   5,624 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 431 8,551 SH   SOLE   205 0 8,346
THERMO FISHER SCIENTIFIC INC COM 883556102 431 754 SH   SOLE   51 0 703
BOEING CO COM 097023105 425 1,930 SH   SOLE   650 0 1,280
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 425 5,375 SH   SOLE   0 0 5,375
WEYERHAEUSER CO MTN BE COM NEW 962166104 424 11,925 SH   SOLE   0 0 11,925
MONSTER BEVERAGE CORP NEW COM 61174X109 422 4,749 SH   SOLE   409 0 4,340
CINTAS CORP COM 172908105 421 1,105 SH   SOLE   78 0 1,027
GENERAL ELECTRIC CO COM NEW 369604301 415 4,027 SH   SOLE   308 0 3,719
BLACKSTONE INC COM 09260D107 413 3,553 SH   SOLE   0 0 3,553
INTUIT COM 461202103 412 763 SH   SOLE   74 0 689
ISHARES TR EXPANDED TECH 464287515 410 1,026 SH   SOLE   26 0 1,000
OGE ENERGY CORP COM 670837103 405 12,288 SH   SOLE   2,300 0 9,988
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 402 6,294 SH   SOLE   0 0 6,294
ALPHABET INC CAP STK CL C 02079K107 397 149 SH   SOLE   37 0 112
SMUCKER J M CO COM NEW 832696405 396 3,303 SH   SOLE   1 0 3,302
MID-AMER APT CMNTYS INC COM 59522J103 394 2,110 SH   SOLE   0 0 2,110
WISDOMTREE TR US MIDCAP DIVID 97717W505 373 9,000 SH   SOLE   9,000 0 0
FMC CORP COM NEW 302491303 372 4,064 SH   SOLE   1,985 0 2,079
CONCENTRIX CORP COM 20602D101 368 2,081 SH   SOLE   25 0 2,056
NORFOLK SOUTHN CORP COM 655844108 364 1,521 SH   SOLE   706 0 815
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 364 3,857 SH   SOLE   1,511 0 2,346
ISHARES TR MBS ETF 464288588 363 3,361 SH   SOLE   0 0 3,361
ISHARES INC CORE MSCI EMKT 46434G103 361 5,843 SH   SOLE   3,885 0 1,958
ISHARES TR ISHS 5-10YR INVT 464288638 356 5,925 SH   SOLE   0 0 5,925
PNC FINL SVCS GROUP INC COM 693475105 355 1,816 SH   SOLE   1,124 0 692
PHILLIPS 66 COM 718546104 348 4,973 SH   SOLE   2,271 0 2,701
QORVO INC COM 74736K101 340 2,035 SH   SOLE   0 0 2,035
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 337 700 SH   SOLE   75 0 625
EMERSON ELEC CO COM 291011104 327 3,472 SH   SOLE   1,225 0 2,247
WALGREENS BOOTS ALLIANCE INC COM 931427108 320 6,795 SH   SOLE   370 0 6,425
ISHARES TR SELECT DIVID ETF 464287168 319 2,781 SH   SOLE   2,016 0 765
INTERCONTINENTAL EXCHANGE IN COM 45866F104 317 2,759 SH   SOLE   734 0 2,025
SELECT SECTOR SPDR TR ENERGY 81369Y506 307 5,901 SH   SOLE   0 0 5,901
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 294 7,277 SH   SOLE   7,277 0 0
AVERY DENNISON CORP COM 053611109 290 1,400 SH   SOLE   0 0 1,400
VANGUARD INDEX FDS TOTAL STK MKT 922908769 289 1,300 SH   SOLE   13 0 1,287
AMERICAN WTR WKS CO INC NEW COM 030420103 287 1,700 SH   SOLE   0 0 1,700
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 281 1,830 SH   SOLE   445 0 1,385
COCA COLA CO COM 191216100 278 5,292 SH   SOLE   624 0 4,668
KROGER CO COM 501044101 277 6,856 SH   SOLE   192 0 6,664
ISHARES TR CORE MSCI EAFE 46432F842 274 3,684 SH   SOLE   3,000 0 684
CISCO SYS INC COM 17275R102 260 4,782 SH   SOLE   1,239 0 3,543
DANAHER CORPORATION COM 235851102 258 846 SH   SOLE   206 0 640
MEDTRONIC PLC SHS G5960L103 253 2,016 SH   SOLE   559 0 1,457
UNITED PARCEL SERVICE INC CL B 911312106 251 1,377 SH   SOLE   408 0 969
ISHARES TR RUS 1000 GRW ETF 464287614 247 901 SH   SOLE   776 0 125
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 244 2,983 SH   SOLE   418 0 2,564
ISHARES TR TIPS BD ETF 464287176 242 1,894 SH   SOLE   79 0 1,815
CINCINNATI FINL CORP COM 172062101 240 2,104 SH   SOLE   123 0 1,981
OCCIDENTAL PETE CORP COM 674599105 238 8,049 SH   SOLE   0 0 8,049
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 230 3,413 SH   SOLE   283 0 3,130
DEERE & CO COM 244199105 226 675 SH   SOLE   25 0 650
ADOBE SYSTEMS INCORPORATED COM 00724F101 223 387 SH   SOLE   45 0 342
VALERO ENERGY CORP COM 91913Y100 222 3,150 SH   SOLE   0 0 3,150
AT&T INC COM 00206R102 221 8,173 SH   SOLE   1,211 0 6,962
BOSTON SCIENTIFIC CORP COM 101137107 217 5,000 SH   SOLE   0 0 5,000
SPDR SER TR PRTFLO S&P500 VL 78464A508 217 5,567 SH   SOLE   150 0 5,417
SYNNEX CORP COM 87162W100 217 2,081 SH   SOLE   25 0 2,056
ISHARES TR SHRT NAT MUN ETF 464288158 215 2,000 SH   SOLE   0 0 2,000
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 215 3,930 SH   SOLE   0 0 3,930
ISHARES TR PFD AND INCM SEC 464288687 214 5,513 SH   SOLE   5,513 0 0
DOLLAR GEN CORP NEW COM 256677105 210 992 SH   SOLE   250 0 742
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 207 4,110 SH   SOLE   4,000 0 110
SPDR SER TR PRTFLO S&P500 GW 78464A409 204 3,182 SH   SOLE   802 0 2,380
SALESFORCE COM INC COM 79466L302 204 753 SH   SOLE   164 0 589
META MATERIALS INC COM 59134N104 116 20,000 SH   SOLE   0 0 20,000