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
AMAZON COM INC COM 023135106 317 115 SH   SOLE   0 0 115
APPLE INC COM 037833100 955 2,619 SH   SOLE   0 0 2,619
AUTOMATIC DATA PROCESSING IN COM 053015103 260 1,745 SH   SOLE   0 0 1,745
CORTEVA INC COM 22052L104 6,960 259,780 SH   SOLE   0 0 259,780
DOW INC COM 260557103 21,774 534,202 SH   SOLE   0 0 534,202
DUPONT DE NEMOURS INC COM 26614N102 23,862 449,119 SH   SOLE   0 0 449,119
FIRST TRUST SPECIALTY FINANC COM BEN INTR 33733G109 148 45,379 SH   SOLE   0 0 45,379
GENERAL ELECTRIC CO COM 369604103 152 22,205 SH   SOLE   0 0 22,205
INTEL CORP COM 458140100 244 4,084 SH   SOLE   0 0 4,084
ISHARES TR CHINA LG-CAP ETF 464287184 40 1,012 SH   SOLE   0 0 1,012
ISHARES TR CORE US AGGBD ET 464287226 259 2,190 SH   SOLE   0 0 2,190
ISHARES TR MSCI EMG MKT ETF 464287234 32 811 SH   SOLE   0 0 811
ISHARES TR S&P 500 GRWT ETF 464287309 113 547 SH   SOLE   0 0 547
ISHARES TR RUS MDCP VAL ETF 464287473 35 460 SH   SOLE   0 0 460
ISHARES TR RUS MD CP GR ETF 464287481 53 334 SH   SOLE   0 0 334
ISHARES TR RUS MID CAP ETF 464287499 9 165 SH   SOLE   0 0 165
ISHARES TR CORE S&P MCP ETF 464287507 10 54 SH   SOLE   0 0 54
ISHARES TR U.S. CNSM SV ETF 464287580 33 151 SH   SOLE   0 0 151
ISHARES TR RUS 1000 GRW ETF 464287614 45 234 SH   SOLE   0 0 234
ISHARES TR RUS 1000 ETF 464287622 35 201 SH   SOLE   0 0 201
ISHARES TR RUS 2000 GRW ETF 464287648 34 165 SH   SOLE   0 0 165
ISHARES TR RUSSELL 2000 ETF 464287655 31 215 SH   SOLE   0 0 215
ISHARES TR CORE S&P US VLU 464287663 150 2,865 SH   SOLE   0 0 2,865
ISHARES TR U.S. ENERGY ETF 464287796 23 1,154 SH   SOLE   0 0 1,154
ISHARES TR CORE S&P SCP ETF 464287804 2 34 SH   SOLE   0 0 34
ISHARES TR MSCI ACWI ETF 464288257 934 12,671 SH   SOLE   0 0 12,671
ISHARES TR GLB INFRASTR ETF 464288372 5 140 SH   SOLE   0 0 140
ISHARES TR IBOXX HI YD ETF 464288513 42 514 SH   SOLE   0 0 514
ISHARES TR EAFE VALUE ETF 464288877 114 2,842 SH   SOLE   0 0 2,842
ISHARES TR MLTFCTR INTL SML 46434V266 111 4,046 SH   SOLE   0 0 4,046
ISHARES TR MULTIFACTOR USA 46434V290 164 4,599 SH   SOLE   0 0 4,599
ISHARES TR MULTIFACTOR GLBL 46434V316 613 21,987 SH   SOLE   0 0 21,987
ISHARES TR YLD OPTIM BD 46434V787 295 11,499 SH   SOLE   0 0 11,499
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 149 3,013 SH   SOLE   0 0 3,013
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 131 2,839 SH   SOLE   0 0 2,839
J P MORGAN EXCHANGE-TRADED F GLOBAL BD OPRT 46641Q852 70 1,413 SH   SOLE   0 0 1,413
JOHNSON & JOHNSON COM 478160104 233 1,656 SH   SOLE   0 0 1,656
JPMORGAN CHASE & CO COM 46625H100 256 2,726 SH   SOLE   0 0 2,726
LAKELAND FINL CORP COM 511656100 306 6,565 SH   SOLE   0 0 6,565
LILLY ELI & CO COM 532457108 959 5,844 SH   SOLE   0 0 5,844
LINCOLN NATL CORP IND COM 534187109 358 9,737 SH   SOLE   0 0 9,737
MICROSOFT CORP COM 594918104 983 4,830 SH   SOLE   0 0 4,830
NORTHWEST BANCSHARES INC MD COM 667340103 430 42,069 SH   SOLE   0 0 42,069
PIMCO CORPORATE & INCOME OPP COM 72201B101 221 14,222 SH   SOLE   0 0 14,222
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 29,522 401,825 SH   SOLE   0 0 401,825
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5 77 SH   SOLE   0 0 77
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 111 1,893 SH   SOLE   0 0 1,893
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,104 21,379 SH   SOLE   0 0 21,379
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 91 907 SH   SOLE   0 0 907
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 134 1,053 SH   SOLE   0 0 1,053
SELECT SECTOR SPDR TR ENERGY 81369Y506 256 6,763 SH   SOLE   0 0 6,763
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 11 465 SH   SOLE   0 0 465
SPDR S&P 500 ETF TR TR UNIT 78462F103 508 1,649 SH   SOLE   0 0 1,649
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 225 4,535 SH   SOLE   0 0 4,535
TCF FINANCIAL CORPORATION NE COM 872307103 262 8,897 SH   SOLE   0 0 8,897
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9 118 SH   SOLE   0 0 118
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,156 154,325 SH   SOLE   0 0 154,325
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,129 28,461 SH   SOLE   0 0 28,461
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 36 710 SH   SOLE   0 0 710
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,892 58,810 SH   SOLE   0 0 58,810
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 108 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 267 958 SH   SOLE   0 0 958
WALMART INC COM 931142103 206 1,721 SH   SOLE   0 0 1,721