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
ABBOTT LABS COM 002824100 423 3,892 SH   SOLE NONE 0 0 3,892
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 509 1,835 SH   SOLE NONE 0 0 1,835
ALPHABET INC CAP STK CL C 02079K107 254 116 SH   SOLE NONE 0 0 116
APPLE INC COM 037833100 5,181 37,893 SH   SOLE NONE 0 0 37,893
AUTOMATIC DATA PROCESSING IN COM 053015103 297 1,415 SH   SOLE NONE 0 0 1,415
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 513 1,880 SH   SOLE NONE 0 0 1,880
CATERPILLAR INC COM 149123101 577 3,227 SH   SOLE NONE 0 0 3,227
CISCO SYS INC COM 17275R102 246 5,768 SH   SOLE NONE 0 0 5,768
COCA COLA CO COM 191216100 296 4,711 SH   SOLE NONE 0 0 4,711
COLGATE PALMOLIVE CO COM 194162103 321 4,010 SH   SOLE NONE 0 0 4,010
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 8,250 202,452 SH   SOLE NONE 0 0 202,452
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,136 52,987 SH   SOLE NONE 0 0 52,987
DISNEY WALT CO COM 254687106 399 4,230 SH   SOLE NONE 0 0 4,230
EXXON MOBIL CORP COM 30231G102 373 4,358 SH   SOLE NONE 0 0 4,358
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830 287 14,441 SH   SOLE NONE 0 0 14,441
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104 214 10,722 SH   SOLE NONE 0 0 10,722
FIRST TR EXCHANGE TRADED FD CONSUMR STAPLE 33734X119 550 8,960 SH   SOLE NONE 0 0 8,960
FIRST TR EXCHANGE TRADED FD FINLS ALPHADEX 33734X135 312 8,030 SH   SOLE NONE 0 0 8,030
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 1,555 15,079 SH   SOLE NONE 0 0 15,079
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 331 6,846 SH   SOLE NONE 0 0 6,846
FIRST TR EXCHANGE-TRADED FD FIRST TR TA HIYL 33738D408 225 5,759 SH   SOLE NONE 0 0 5,759
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 1,097 23,663 SH   SOLE NONE 0 0 23,663
FIRST TR EXCHNG TRADED FD VI TCW SECURITIZED 33740U109 348 15,301 SH   SOLE NONE 0 0 15,301
GOLDMAN SACHS ETF TR MARKETBETA INTL 381430180 2,993 66,748 SH   SOLE NONE 0 0 66,748
HOME DEPOT INC COM 437076102 521 1,901 SH   SOLE NONE 0 0 1,901
INTEL CORP COM 458140100 221 5,897 SH   SOLE NONE 0 0 5,897
INTERNATIONAL BUSINESS MACHS COM 459200101 250 1,770 SH   SOLE NONE 0 0 1,770
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,828 29,483 SH   SOLE NONE 0 0 29,483
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 4,212 181,101 SH   SOLE NONE 0 0 181,101
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,368 22,728 SH   SOLE NONE 0 0 22,728
ISHARES INC MSCI EMERG MRKT 464286533 1,546 27,893 SH   SOLE NONE 0 0 27,893
ISHARES INC ESG AWR MSCI EM 46434G863 260 8,057 SH   SOLE NONE 0 0 8,057
ISHARES TR MSCI USA MIN VOL 46429B697 3,514 50,044 SH   SOLE NONE 0 0 50,044
ISHARES TR CONV BD ETF 46435G102 2,489 35,883 SH   SOLE NONE 0 0 35,883
ISHARES TR FALN ANGLS USD 46435G474 3,228 131,102 SH   SOLE NONE 0 0 131,102
ISHARES TR ESG AWR MSCI USA 46435G425 33,293 396,818 SH   SOLE NONE 0 0 396,818
ISHARES TR US INFRASTRUC 46435U713 2,109 61,958 SH   SOLE NONE 0 0 61,958
ISHARES TR ESG MSCI LEADR 46435U218 3,797 57,198 SH   SOLE NONE 0 0 57,198
ISHARES TR 0-3 MNTH TREASRY 46436E718 1,458 14,565 SH   SOLE NONE 0 0 14,565
ISHARES TR US TREAS BD ETF 46429B267 5,182 216,834 SH   SOLE NONE 0 0 216,834
ISHARES TR CORE 1 5 YR USD 46432F859 283 5,967 SH   SOLE NONE 0 0 5,967
ISHARES TR FLTG RATE NT ETF 46429B655 238 4,763 SH   SOLE NONE 0 0 4,763
ISHARES TR CORE HIGH DV ETF 46429B663 4,933 49,116 SH   SOLE NONE 0 0 49,116
ISHARES TR MSCI USA MMENTM 46432F396 966 7,086 SH   SOLE NONE 0 0 7,086
ISHARES TR MSCI USA QLT FCT 46432F339 271 2,425 SH   SOLE NONE 0 0 2,425
ISHARES TR 0-5YR INVT GR CP 46434V100 599 12,357 SH   SOLE NONE 0 0 12,357
ISHARES TR CORE DIV GRWTH 46434V621 355 7,460 SH   SOLE NONE 0 0 7,460
ISHARES TR CORE TOTAL USD 46434V613 12,023 256,791 SH   SOLE NONE 0 0 256,791
ISHARES TR MBS ETF 464288588 374 3,835 SH   SOLE NONE 0 0 3,835
ISHARES TR EAFE VALUE ETF 464288877 10,296 237,240 SH   SOLE NONE 0 0 237,240
ISHARES TR EAFE GRWTH ETF 464288885 2,478 30,792 SH   SOLE NONE 0 0 30,792
ISHARES TR U.S. MED DVC ETF 464288810 508 10,063 SH   SOLE NONE 0 0 10,063
ISHARES TR USD INV GRDE ETF 464288620 895 17,566 SH   SOLE NONE 0 0 17,566
ISHARES TR 10-20 YR TRS ETF 464288653 2,867 23,866 SH   SOLE NONE 0 0 23,866
ISHARES TR 20 YR TR BD ETF 464287432 705 6,137 SH   SOLE NONE 0 0 6,137
ISHARES TR IBOXX INV CP ETF 464287242 1,046 9,505 SH   SOLE NONE 0 0 9,505
ISHARES TR S&P 100 ETF 464287101 4,263 24,718 SH   SOLE NONE 0 0 24,718
ISHARES TR CORE US AGGBD ET 464287226 9,370 92,152 SH   SOLE NONE 0 0 92,152
ISHARES TR TIPS BD ETF 464287176 1,598 14,031 SH   SOLE NONE 0 0 14,031
ISHARES TR MSCI EAFE ETF 464287465 1,944 31,103 SH   SOLE NONE 0 0 31,103
ISHARES TR US HLTHCARE ETF 464287762 1,755 6,527 SH   SOLE NONE 0 0 6,527
ISHARES TR U.S. TECH ETF 464287721 2,541 31,787 SH   SOLE NONE 0 0 31,787
ISHARES TR S&P MC 400VL ETF 464287705 1,533 16,237 SH   SOLE NONE 0 0 16,237
ISHARES TR SP SMCP600VL ETF 464287879 5,120 57,504 SH   SOLE NONE 0 0 57,504
ISHARES TR S&P 500 VAL ETF 464287408 1,925 14,001 SH   SOLE NONE 0 0 14,001
ISHARES TR CORE S&P500 ETF 464287200 840 2,215 SH   SOLE NONE 0 0 2,215
ISHARES TR S&P 500 GRWT ETF 464287309 1,745 28,917 SH   SOLE NONE 0 0 28,917
ISHARES TR RUS 1000 ETF 464287622 996 4,796 SH   SOLE NONE 0 0 4,796
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 5,279 128,955 SH   SOLE NONE 0 0 128,955
J P MORGAN EXCHANGE-TRADED F ACTIVEBLDRS EMER 46641Q266 256 7,000 SH   SOLE NONE 0 0 7,000
J P MORGAN EXCHANGE-TRADED F BETABUILDERS I 46641Q373 685 14,483 SH   SOLE NONE 0 0 14,483
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2,349 46,369 SH   SOLE NONE 0 0 46,369
J P MORGAN EXCHANGE-TRADED F CORE PLUS BD ETF 46641Q670 754 15,692 SH   SOLE NONE 0 0 15,692
J P MORGAN EXCHANGE-TRADED F BETABUILDRS US 46641Q399 1,429 21,089 SH   SOLE NONE 0 0 21,089
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,392 27,785 SH   SOLE NONE 0 0 27,785
J P MORGAN EXCHANGE-TRADED F US VALUE FACTR 46641Q753 421 13,118 SH   SOLE NONE 0 0 13,118
JPMORGAN CHASE & CO COM 46625H100 717 6,366 SH   SOLE NONE 0 0 6,366
LAKELAND FINL CORP COM 511656100 801 12,057 SH   SOLE NONE 0 0 12,057
LILLY ELI & CO COM 532457108 712 2,196 SH   SOLE NONE 0 0 2,196
LINCOLN NATL CORP IND COM 534187109 288 6,150 SH   SOLE NONE 0 0 6,150
MCDONALDS CORP COM 580135101 1,163 4,712 SH   SOLE NONE 0 0 4,712
MICROSOFT CORP COM 594918104 1,079 4,201 SH   SOLE NONE 0 0 4,201
NUCOR CORP COM 670346105 430 4,121 SH   SOLE NONE 0 0 4,121
ORACLE CORP COM 68389X105 246 3,521 SH   SOLE NONE 0 0 3,521
PEPSICO INC COM 713448108 630 3,783 SH   SOLE NONE 0 0 3,783
PFIZER INC COM 717081103 341 6,497 SH   SOLE NONE 0 0 6,497
PIMCO ETF TR INV GRD CRP BD 72201R817 521 5,409 SH   SOLE NONE 0 0 5,409
PROCTER AND GAMBLE CO COM 742718109 512 3,561 SH   SOLE NONE 0 0 3,561
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 865 19,378 SH   SOLE NONE 0 0 19,378
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,664 47,748 SH   SOLE NONE 0 0 47,748
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,081 106,140 SH   SOLE NONE 0 0 106,140
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,513 35,136 SH   SOLE NONE 0 0 35,136
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 404 4,628 SH   SOLE NONE 0 0 4,628
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,542 192,180 SH   SOLE NONE 0 0 192,180
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,844 10,190 SH   SOLE NONE 0 0 10,190
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,233 81,159 SH   SOLE NONE 0 0 81,159
SPDR SER TR PRTFLO S&P500 GW 78464A409 561 10,727 SH   SOLE NONE 0 0 10,727
SPDR SER TR PORTFOLIO LN TSR 78464A664 6,204 187,589 SH   SOLE NONE 0 0 187,589
SPDR SER TR PORTFOLIO S&P500 78464A854 40,492 913,210 SH   SOLE NONE 0 0 913,210
SPDR SER TR PORTFOLIO S&P600 78468R853 1,360 37,790 SH   SOLE NONE 0 0 37,790
STEEL DYNAMICS INC COM 858119100 261 3,941 SH   SOLE NONE 0 0 3,941
STRYKER CORPORATION COM 863667101 446 2,244 SH   SOLE NONE 0 0 2,244
VANGUARD BD INDEX FDS INTERMED TERM 921937819 458 5,898 SH   SOLE NONE 0 0 5,898
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 898 11,926 SH   SOLE NONE 0 0 11,926
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 448 5,624 SH   SOLE NONE 0 0 5,624
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,472 32,198 SH   SOLE NONE 0 0 32,198
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 976 19,705 SH   SOLE NONE 0 0 19,705
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,961 14,301 SH   SOLE NONE 0 0 14,301
VANGUARD INDEX FDS VALUE ETF 922908744 2,794 21,184 SH   SOLE NONE 0 0 21,184
VANGUARD INDEX FDS MID CAP ETF 922908629 503 2,552 SH   SOLE NONE 0 0 2,552
VANGUARD INDEX FDS SMALL CP ETF 922908751 817 4,641 SH   SOLE NONE 0 0 4,641
VANGUARD INDEX FDS GROWTH ETF 922908736 2,769 12,424 SH   SOLE NONE 0 0 12,424
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,543 8,183 SH   SOLE NONE 0 0 8,183
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,547 109,170 SH   SOLE NONE 0 0 109,170
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,531 70,684 SH   SOLE NONE 0 0 70,684
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,132 22,591 SH   SOLE NONE 0 0 22,591
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 753 9,875 SH   SOLE NONE 0 0 9,875
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 7,563 123,657 SH   SOLE NONE 0 0 123,657
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 456 9,544 SH   SOLE NONE 0 0 9,544
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,742 53,960 SH   SOLE NONE 0 0 53,960
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 4,841 118,649 SH   SOLE NONE 0 0 118,649
VANGUARD WELLINGTON FD US QUALITY 921935706 391 3,987 SH   SOLE NONE 0 0 3,987
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 285 4,839 SH   SOLE NONE 0 0 4,839
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 313 3,081 SH   SOLE NONE 0 0 3,081
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,595 11,010 SH   SOLE NONE 0 0 11,010
VERIZON COMMUNICATIONS INC COM 92343V104 305 6,006 SH   SOLE NONE 0 0 6,006
WALMART INC COM 931142103 668 5,492 SH   SOLE NONE 0 0 5,492