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
ABBVIE INC COM 00287Y109 266 1,643 SH   SOLE   0 0 1,643
ALPHABET INC CAP STK CL C 02079K107 50 18 SH   SOLE   0 0 18
ALPHABET INC CAP STK CL A 02079K305 164 59 SH   SOLE   0 0 59
AMAZON COM INC COM 023135106 310 95 SH   SOLE   0 0 95
APPLE INC COM 037833100 1,953 11,186 SH   SOLE   0 0 11,186
AUTOMATIC DATA PROCESSING IN COM 053015103 279 1,228 SH   SOLE   0 0 1,228
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,274 174,908 SH   SOLE   0 0 174,908
CHEVRON CORP NEW COM 166764100 309 1,895 SH   SOLE   0 0 1,895
DOW INC COM 260557103 33,900 532,018 SH   SOLE   0 0 532,018
DUPONT DE NEMOURS INC COM 26614N102 14,135 192,103 SH   SOLE   0 0 192,103
EXXON MOBIL CORP COM 30231G102 283 3,426 SH   SOLE   0 0 3,426
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109 313 74,975 SH   SOLE   0 0 74,975
GABELLI EQUITY TR INC COM 362397101 71 10,236 SH   SOLE   0 0 10,236
GENERAL ELECTRIC CO COM NEW 369604301 270 2,950 SH   SOLE   0 0 2,950
HUNTINGTON BANCSHARES INC COM 446150104 391 26,715 SH   SOLE   0 0 26,715
INVESCO QQQ TR UNIT SER 1 46090E103 577 1,592 SH   SOLE   0 0 1,592
ISHARES INC MSCI GBL MIN VOL 464286525 1,001 9,547 SH   SOLE   0 0 9,547
ISHARES INC CORE MSCI EMKT 46434G103 275 4,953 SH   SOLE   0 0 4,953
ISHARES INC MSCI EMRG CHN 46434G764 100 1,718 SH   SOLE   0 0 1,718
ISHARES INC MSCI EMERG MKT 46434G889 19 398 SH   SOLE   0 0 398
ISHARES TR CORE S&P TTL STK 464287150 155 1,540 SH   SOLE   0 0 1,540
ISHARES TR CHINA LG-CAP ETF 464287184 32 1,012 SH   SOLE   0 0 1,012
ISHARES TR CORE S&P500 ETF 464287200 56 124 SH   SOLE   0 0 124
ISHARES TR CORE US AGGBD ET 464287226 26,393 246,433 SH   SOLE   0 0 246,433
ISHARES TR IBOXX INV CP ETF 464287242 4 30 SH   SOLE   0 0 30
ISHARES TR S&P 500 GRWT ETF 464287309 163 2,133 SH   SOLE   0 0 2,133
ISHARES TR 20 YR TR BD ETF 464287432 254 1,923 SH   SOLE   0 0 1,923
ISHARES TR RUS MDCP VAL ETF 464287473 56 464 SH   SOLE   0 0 464
ISHARES TR RUS MD CP GR ETF 464287481 67 669 SH   SOLE   0 0 669
ISHARES TR RUS MID CAP ETF 464287499 5 63 SH   SOLE   0 0 63
ISHARES TR CORE S&P MCP ETF 464287507 112 417 SH   SOLE   0 0 417
ISHARES TR ISHARES BIOTECH 464287556 17 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 VAL ETF 464287598 25 153 SH   SOLE   0 0 153
ISHARES TR RUS 1000 GRW ETF 464287614 140 505 SH   SOLE   0 0 505
ISHARES TR RUS 1000 ETF 464287622 43 174 SH   SOLE   0 0 174
ISHARES TR RUS 2000 VAL ETF 464287630 0 2 SH   SOLE   0 0 2
ISHARES TR RUS 2000 GRW ETF 464287648 35 138 SH   SOLE   0 0 138
ISHARES TR RUSSELL 2000 ETF 464287655 47 228 SH   SOLE   0 0 228
ISHARES TR CORE S&P US VLU 464287663 576 7,593 SH   SOLE   0 0 7,593
ISHARES TR U.S. REAL ES ETF 464287739 7 65 SH   SOLE   0 0 65
ISHARES TR U.S. ENERGY ETF 464287796 47 1,154 SH   SOLE   0 0 1,154
ISHARES TR CORE S&P SCP ETF 464287804 52 481 SH   SOLE   0 0 481
ISHARES TR MSCI ACWI EX US 464288240 8 157 SH   SOLE   0 0 157
ISHARES TR MSCI ACWI ETF 464288257 1,294 12,969 SH   SOLE   0 0 12,969
ISHARES TR EAFE SML CP ETF 464288273 12 185 SH   SOLE   0 0 185
ISHARES TR JPMORGAN USD EMG 464288281 0 2 SH   SOLE   0 0 2
ISHARES TR NATIONAL MUN ETF 464288414 1 5 SH   SOLE   0 0 5
ISHARES TR IBOXX HI YD ETF 464288513 34 416 SH   SOLE   0 0 416
ISHARES TR EAFE VALUE ETF 464288877 99 1,978 SH   SOLE   0 0 1,978
ISHARES TR MSCI USA QLT FCT 46432F339 201 1,494 SH   SOLE   0 0 1,494
ISHARES TR CORE MSCI EAFE 46432F842 123 1,764 SH   SOLE   0 0 1,764
ISHARES TR MSCI INTL SML CP 46434V266 137 3,984 SH   SOLE   0 0 3,984
ISHARES TR MSCI USA SML CP 46434V290 222 4,063 SH   SOLE   0 0 4,063
ISHARES TR MSCI GBL MULTIFC 46434V316 2,315 62,721 SH   SOLE   0 0 62,721
ISHARES TR MSCI INTL QUALTY 46434V456 178 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787 329 13,974 SH   SOLE   0 0 13,974
ISHARES TR ESG AWR MSCI USA 46435G425 240 2,364 SH   SOLE   0 0 2,364
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 207 3,659 SH   SOLE   0 0 3,659
J P MORGAN EXCHANGE-TRADED F DIV RTN EM EQT 46641Q308 123 2,215 SH   SOLE   0 0 2,215
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3 55 SH   SOLE   0 0 55
J P MORGAN EXCHANGE-TRADED F INTL BD OPP ETF 46641Q852 369 7,540 SH   SOLE   0 0 7,540
JOHNSON & JOHNSON COM 478160104 456 2,574 SH   SOLE   0 0 2,574
JPMORGAN CHASE & CO COM 46625H100 325 2,381 SH   SOLE   0 0 2,381
LAKELAND FINL CORP COM 511656100 378 5,178 SH   SOLE   0 0 5,178
LILLY ELI & CO COM 532457108 1,930 6,738 SH   SOLE   0 0 6,738
LINCOLN NATL CORP IND COM 534187109 403 6,170 SH   SOLE   0 0 6,170
MICROSOFT CORP COM 594918104 1,070 3,470 SH   SOLE   0 0 3,470
PEPSICO INC COM 713448108 388 2,319 SH   SOLE   0 0 2,319
PFIZER INC COM 717081103 299 5,778 SH   SOLE   0 0 5,778
PIMCO CORPORATE & INCOME OPP COM 72201B101 2,702 176,037 SH   SOLE   0 0 176,037
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 792 8,116 SH   SOLE   0 0 8,116
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 417 4,159 SH   SOLE   0 0 4,159
RPM INTL INC COM 749685103 12,210 149,925 SH   SOLE   0 0 149,925
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 28,786 539,172 SH   SOLE   0 0 539,172
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 315 4,216 SH   SOLE   0 0 4,216
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8 106 SH   SOLE   0 0 106
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3 35 SH   SOLE   0 0 35
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 41 1,477 SH   SOLE   0 0 1,477
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 215 2,721 SH   SOLE   0 0 2,721
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1 15 SH   SOLE   0 0 15
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 572 10,750 SH   SOLE   0 0 10,750
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 10 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 233 1,698 SH   SOLE   0 0 1,698
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 299 1,614 SH   SOLE   0 0 1,614
SELECT SECTOR SPDR TR ENERGY 81369Y506 487 6,365 SH   SOLE   0 0 6,365
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 38 984 SH   SOLE   0 0 984
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 44 426 SH   SOLE   0 0 426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 62 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107 278 1,539 SH   SOLE   0 0 1,539
SPDR S&P 500 ETF TR TR UNIT 78462F103 832 1,842 SH   SOLE   0 0 1,842
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 258 5,769 SH   SOLE   0 0 5,769
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 309 3,881 SH   SOLE   0 0 3,881
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 56 134 SH   SOLE   0 0 134
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 17 115 SH   SOLE   0 0 115
VANGUARD INDEX FDS SM CP VAL ETF 922908611 32 182 SH   SOLE   0 0 182
VANGUARD INDEX FDS MID CAP ETF 922908629 32 134 SH   SOLE   0 0 134
VANGUARD INDEX FDS VALUE ETF 922908744 1 6 SH   SOLE   0 0 6
VANGUARD INDEX FDS SMALL CP ETF 922908751 24 115 SH   SOLE   0 0 115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,338 89,331 SH   SOLE   0 0 89,331
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 38 305 SH   SOLE   0 0 305
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 3,365 33,218 SH   SOLE   0 0 33,218
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 46 993 SH   SOLE   0 0 993
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 44 710 SH   SOLE   0 0 710
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 449 2,771 SH   SOLE   0 0 2,771
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,830 30,630 SH   SOLE   0 0 30,630
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 21 107 SH   SOLE   0 0 107
VANGUARD WORLD FDS ENERGY ETF 92204A306 3 29 SH   SOLE   0 0 29
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 66 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 10 41 SH   SOLE   0 0 41
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 201 1,035 SH   SOLE   0 0 1,035
VANGUARD WORLD FDS INF TECH ETF 92204A702 425 1,021 SH   SOLE   0 0 1,021
VANGUARD WORLD FDS MATERIALS ETF 92204A801 6 32 SH   SOLE   0 0 32
WALMART INC COM 931142103 259 1,737 SH   SOLE   0 0 1,737
WISDOMTREE TR US EFFICIENT COR 97717Y790 59,822 1,476,360 SH   SOLE   0 0 1,476,360
ZIMMER BIOMET HOLDINGS INC COM 98956P102 226 1,769 SH   SOLE   0 0 1,769