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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   384,484 3,797 SH   SOLE   0 0 3,797
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   603,059 2,110 SH   SOLE   0 0 2,110
ALPHABET INC CAP STK CL C 02079K107   255,216 2,454 SH   SOLE   0 0 2,454
AMCOR PLC ORD G0250X107   146,711 12,892 SH   SOLE   0 0 12,892
APPLE INC COM 037833100   6,306,348 38,243 SH   SOLE   0 0 38,243
AUTOMATIC DATA PROCESSING IN COM 053015103   376,245 1,690 SH   SOLE   0 0 1,690
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   469,330 1,520 SH   SOLE   0 0 1,520
CATERPILLAR INC COM 149123101   738,872 3,229 SH   SOLE   0 0 3,229
CISCO SYS INC COM 17275R102   301,522 5,768 SH   SOLE   0 0 5,768
COCA COLA CO COM 191216100   292,491 4,715 SH   SOLE   0 0 4,715
COLGATE PALMOLIVE CO COM 194162103   371,767 4,947 SH   SOLE   0 0 4,947
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   4,143,858 144,034 SH   SOLE   0 0 144,034
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,020,799 44,344 SH   SOLE   0 0 44,344
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   8,509,015 191,515 SH   SOLE   0 0 191,515
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,186,045 51,433 SH   SOLE   0 0 51,433
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   722,154 28,342 SH   SOLE   0 0 28,342
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   3,048,557 113,119 SH   SOLE   0 0 113,119
DISNEY WALT CO COM 254687106   494,041 4,934 SH   SOLE   0 0 4,934
EXXON MOBIL CORP COM 30231G102   448,509 4,090 SH   SOLE   0 0 4,090
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104   380,493 19,058 SH   SOLE   0 0 19,058
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   615,425 30,957 SH   SOLE   0 0 30,957
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   312,338 6,132 SH   SOLE   0 0 6,132
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119   556,147 8,960 SH   SOLE   0 0 8,960
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135   299,760 8,030 SH   SOLE   0 0 8,030
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143   1,621,445 15,079 SH   SOLE   0 0 15,079
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   433,224 9,050 SH   SOLE   0 0 9,050
FIRST TR EXCHANGE-TRADED FD LIMITED DURATION 33738D804   620,260 32,940 SH   SOLE   0 0 32,940
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   1,037,461 23,024 SH   SOLE   0 0 23,024
GOLDMAN SACHS ETF TR MARKETBETA INTL 381430180   3,448,922 68,034 SH   SOLE   0 0 68,034
HOME DEPOT INC COM 437076102   561,023 1,901 SH   SOLE   0 0 1,901
INTERNATIONAL BUSINESS MACHS COM 459200101   232,029 1,770 SH   SOLE   0 0 1,770
INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD 46090F100   152,993 10,759 SH   SOLE   0 0 10,759
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   950,057 13,580 SH   SOLE   0 0 13,580
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   3,187,337 20,330 SH   SOLE   0 0 20,330
ISHARES INC CORE MSCI EMKT 46434G103   324,746 6,656 SH   SOLE   0 0 6,656
ISHARES INC MSCI PAC JP ETF 464286665   943,456 21,545 SH   SOLE   0 0 21,545
ISHARES TR 1 3 YR TREAS BD 464287457   1,414,960 17,222 SH   SOLE   0 0 17,222
ISHARES TR CORE US AGGBD ET 464287226   6,847,062 68,718 SH   SOLE   0 0 68,718
ISHARES TR MSCI USA MMENTM 46432F396   5,538,658 39,835 SH   SOLE   0 0 39,835
ISHARES TR S&P 500 GRWT ETF 464287309   1,198,832 18,764 SH   SOLE   0 0 18,764
ISHARES TR US HLTHCARE ETF 464287762   1,066,845 3,907 SH   SOLE   0 0 3,907
ISHARES TR CORE TOTAL USD 46434V613   10,277,097 222,689 SH   SOLE   0 0 222,689
ISHARES TR MSCI USA VALUE 46432F388   544,059 5,876 SH   SOLE   0 0 5,876
ISHARES TR S&P 100 ETF 464287101   3,641,108 19,467 SH   SOLE   0 0 19,467
ISHARES TR MSCI USA QLT FCT 46432F339   24,340,686 196,193 SH   SOLE   0 0 196,193
ISHARES TR CORE 1 5 YR USD 46432F859   281,374 5,967 SH   SOLE   0 0 5,967
ISHARES TR MSCI EMG MKT ETF 464287234   1,184,629 30,021 SH   SOLE   0 0 30,021
ISHARES TR USD INV GRDE ETF 464288620   1,202,972 23,746 SH   SOLE   0 0 23,746
ISHARES TR CORE S&P SCP ETF 464287804   867,689 8,973 SH   SOLE   0 0 8,973
ISHARES TR IBOXX INV CP ETF 464287242   891,129 8,130 SH   SOLE   0 0 8,130
ISHARES TR U.S. MED DVC ETF 464288810   1,046,294 19,383 SH   SOLE   0 0 19,383
ISHARES TR MSCI EAFE ETF 464287465   1,508,428 21,091 SH   SOLE   0 0 21,091
ISHARES TR SP SMCP600VL ETF 464287879   1,021,348 10,913 SH   SOLE   0 0 10,913
ISHARES TR MBS ETF 464288588   8,516,985 89,908 SH   SOLE   0 0 89,908
ISHARES TR MSCI USA MIN VOL 46429B697   12,197,989 167,693 SH   SOLE   0 0 167,693
ISHARES TR US INFRASTRUC 46435U713   1,051,491 28,175 SH   SOLE   0 0 28,175
ISHARES TR S&P SML 600 GWT 464287887   234,502 2,133 SH   SOLE   0 0 2,133
ISHARES TR RUS 1000 ETF 464287622   3,827,333 16,993 SH   SOLE   0 0 16,993
ISHARES TR US TREAS BD ETF 46429B267   5,127,772 219,323 SH   SOLE   0 0 219,323
ISHARES TR EAFE GRWTH ETF 464288885   5,063,029 54,046 SH   SOLE   0 0 54,046
ISHARES TR CORE S&P500 ETF 464287200   470,276 1,144 SH   SOLE   0 0 1,144
ISHARES TR S&P 500 VAL ETF 464287408   1,970,300 12,983 SH   SOLE   0 0 12,983
ISHARES TR SELECT DIVID ETF 464287168   229,087 1,955 SH   SOLE   0 0 1,955
ISHARES TR EXPND TEC SC ETF 464287549   1,024,746 3,020 SH   SOLE   0 0 3,020
ISHARES TR JPMORGAN USD EMG 464288281   755,381 8,755 SH   SOLE   0 0 8,755
ISHARES TR ESG AWR MSCI USA 46435G425   323,630 3,578 SH   SOLE   0 0 3,578
ISHARES TR 10-20 YR TRS ETF 464288653   3,913,488 34,167 SH   SOLE   0 0 34,167
ISHARES TR 20 YR TR BD ETF 464287432   897,656 8,439 SH   SOLE   0 0 8,439
ISHARES TR U.S. TECH ETF 464287721   9,311,256 100,326 SH   SOLE   0 0 100,326
ISHARES TR CORE DIV GRWTH 46434V621   409,218 8,186 SH   SOLE   0 0 8,186
ISHARES TR S&P MC 400VL ETF 464287705   1,003,035 9,760 SH   SOLE   0 0 9,760
ISHARES TR FALN ANGLS USD 46435G474   214,290 8,480 SH   SOLE   0 0 8,480
ISHARES TR EAFE VALUE ETF 464288877   7,568,302 155,951 SH   SOLE   0 0 155,951
J P MORGAN EXCHANGE TRADED F BETABUILDRS US 46641Q399   1,310,452 17,822 SH   SOLE   0 0 17,822
J P MORGAN EXCHANGE TRADED F ACTIVE VALUE ETF 46641Q167   371,377 7,214 SH   SOLE   0 0 7,214
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   516,960 10,518 SH   SOLE   0 0 10,518
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,379,408 27,159 SH   SOLE   0 0 27,159
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   519,051 10,315 SH   SOLE   0 0 10,315
J P MORGAN EXCHANGE TRADED F ACTIVEBLDRS EMER 46641Q266   386,570 10,664 SH   SOLE   0 0 10,664
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   215,615 3,949 SH   SOLE   0 0 3,949
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   914,769 19,303 SH   SOLE   0 0 19,303
J P MORGAN EXCHANGE TRADED F BETABUILDERS I 46641Q373   976,266 18,126 SH   SOLE   0 0 18,126
JPMORGAN CHASE & CO COM 46625H100   826,818 6,345 SH   SOLE   0 0 6,345
LAKELAND FINL CORP COM 511656100   718,606 11,472 SH   SOLE   0 0 11,472
LILLY ELI & CO COM 532457108   787,119 2,292 SH   SOLE   0 0 2,292
MCDONALDS CORP COM 580135101   1,316,683 4,709 SH   SOLE   0 0 4,709
MICROSOFT CORP COM 594918104   1,205,345 4,181 SH   SOLE   0 0 4,181
NOVO-NORDISK A S ADR 670100205   246,985 1,552 SH   SOLE   0 0 1,552
NUCOR CORP COM 670346105   399,439 2,586 SH   SOLE   0 0 2,586
ORACLE CORP COM 68389X105   408,022 4,391 SH   SOLE   0 0 4,391
PEPSICO INC COM 713448108   753,710 4,134 SH   SOLE   0 0 4,134
PFIZER INC COM 717081103   261,487 6,409 SH   SOLE   0 0 6,409
PIMCO ETF TR INV GRD CRP BD 72201R817   296,488 3,082 SH   SOLE   0 0 3,082
PLEXUS CORP COM 729132100   243,925 2,500 SH   SOLE   0 0 2,500
PROCTER AND GAMBLE CO COM 742718109   601,197 4,043 SH   SOLE   0 0 4,043
ROYAL CARIBBEAN GROUP COM V7780T103   326,500 5,000 SH   SOLE   0 0 5,000
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   518,962 10,729 SH   SOLE   0 0 10,729
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   6,359,917 135,577 SH   SOLE   0 0 135,577
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   468,261 4,628 SH   SOLE   0 0 4,628
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   9,987,586 310,946 SH   SOLE   0 0 310,946
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   2,771,902 81,216 SH   SOLE   0 0 81,216
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,488,673 8,522 SH   SOLE   0 0 8,522
SPDR SER TR PORTFOLIO S&P500 78464A854   42,249,747 877,461 SH   SOLE   0 0 877,461
SPDR SER TR PORTFOLIO S&P600 78468R853   3,252,450 86,112 SH   SOLE   0 0 86,112
SPDR SER TR PORTFOLIO LN TSR 78464A664   7,368,277 238,610 SH   SOLE   0 0 238,610
STEEL DYNAMICS INC COM 858119100   499,301 4,416 SH   SOLE   0 0 4,416
STRYKER CORPORATION COM 863667101   640,873 2,245 SH   SOLE   0 0 2,245
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,872,934 24,486 SH   SOLE   0 0 24,486
VANGUARD BD INDEX FDS INTERMED TERM 921937819   633,489 8,255 SH   SOLE   0 0 8,255
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   455,472 5,943 SH   SOLE   0 0 5,943
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,666,048 22,566 SH   SOLE   0 0 22,566
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,015,286 20,754 SH   SOLE   0 0 20,754
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   7,442,425 19,790 SH   SOLE   0 0 19,790
VANGUARD INDEX FDS MID CAP ETF 922908629   1,131,375 5,364 SH   SOLE   0 0 5,364
VANGUARD INDEX FDS GROWTH ETF 922908736   3,325,285 13,331 SH   SOLE   0 0 13,331
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,628,906 7,981 SH   SOLE   0 0 7,981
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,796,839 9,479 SH   SOLE   0 0 9,479
VANGUARD INDEX FDS VALUE ETF 922908744   2,950,083 21,360 SH   SOLE   0 0 21,360
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,616,385 64,762 SH   SOLE   0 0 64,762
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   3,405,932 63,698 SH   SOLE   0 0 63,698
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   863,773 18,063 SH   SOLE   0 0 18,063
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,308,717 17,168 SH   SOLE   0 0 17,168
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   247,332 4,225 SH   SOLE   0 0 4,225
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,637,175 45,340 SH   SOLE   0 0 45,340
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,726,959 95,513 SH   SOLE   0 0 95,513
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   459,030 9,861 SH   SOLE   0 0 9,861
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,238,913 53,496 SH   SOLE   0 0 53,496
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,503,946 121,850 SH   SOLE   0 0 121,850
VANGUARD WELLINGTON FD US QUALITY 921935706   411,309 3,797 SH   SOLE   0 0 3,797
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   2,281,855 36,621 SH   SOLE   0 0 36,621
VANGUARD WORLD FDS INF TECH ETF 92204A702   4,244,025 11,010 SH   SOLE   0 0 11,010
VERIZON COMMUNICATIONS INC COM 92343V104   258,307 6,642 SH   SOLE   0 0 6,642
WALMART INC COM 931142103   884,553 5,999 SH   SOLE   0 0 5,999