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
AON PLC SHS CL A G0403H108   315,290 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100   1,630,230 9,886 SH   SOLE   0 0 9,886
BLACKROCK CORE BD TR SHS BEN INT 09249E101   3,662,381 337,858 SH   SOLE   0 0 337,858
BOOKING HOLDINGS INC COM 09857L108   220,150 83 SH   SOLE   0 0 83
CHEVRON CORP NEW COM 166764100   390,885 2,396 SH   SOLE   0 0 2,396
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   154,009,879 5,714,652 SH   SOLE   0 0 5,714,652
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   55,404 1,247 SH   SOLE   0 0 1,247
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   13,386 254 SH   SOLE   0 0 254
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   3,194 120 SH   SOLE   0 0 120
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   29,931 894 SH   SOLE   0 0 894
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   59,922 2,490 SH   SOLE   0 0 2,490
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   19,854 616 SH   SOLE   0 0 616
DOW INC COM 260557103   29,173,943 532,177 SH   SOLE   0 0 532,177
DUPONT DE NEMOURS INC COM 26614N102   2,770,753 38,606 SH   SOLE   0 0 38,606
EXXON MOBIL CORP COM 30231G102   398,197 3,631 SH   SOLE   0 0 3,631
FIRST TR SPECIALTY FIN & FIN COM BEN INTR 33733G109   265,446 84,537 SH   SOLE   0 0 84,537
GABELLI EQUITY TR INC COM 362397101   68,435 11,922 SH   SOLE   0 0 11,922
GENERAL ELECTRIC CO COM NEW 369604301   245,647 2,570 SH   SOLE   0 0 2,570
INVESCO QQQ TR UNIT SER 1 46090E103   210,383 656 SH   SOLE   0 0 656
ISHARES INC MSCI WORLD ETF 464286392   941 8 SH   SOLE   0 0 8
ISHARES INC MSCI GBL MIN VOL 464286525   1,884,013 19,473 SH   SOLE   0 0 19,473
ISHARES INC CORE MSCI EMKT 46434G103   418,618 8,580 SH   SOLE   0 0 8,580
ISHARES INC EMNG MKTS EQT 46434G889   16,525 398 SH   SOLE   0 0 398
ISHARES TR CORE S&P TTL STK 464287150   97,794 1,080 SH   SOLE   0 0 1,080
ISHARES TR CORE US AGGBD ET 464287226   18,135,177 182,007 SH   SOLE   0 0 182,007
ISHARES TR IBOXX INV CP ETF 464287242   317,321 2,895 SH   SOLE   0 0 2,895
ISHARES TR S&P 500 GRWT ETF 464287309   302,583 4,736 SH   SOLE   0 0 4,736
ISHARES TR 20 YR TR BD ETF 464287432   228,908 2,152 SH   SOLE   0 0 2,152
ISHARES TR RUS MDCP VAL ETF 464287473   76,997 725 SH   SOLE   0 0 725
ISHARES TR RUS MD CP GR ETF 464287481   61,388 674 SH   SOLE   0 0 674
ISHARES TR RUS MID CAP ETF 464287499   4,451 64 SH   SOLE   0 0 64
ISHARES TR ISHARES BIOTECH 464287556   16,403 127 SH   SOLE   0 0 127
ISHARES TR RUS 1000 GRW ETF 464287614   72,449 297 SH   SOLE   0 0 297
ISHARES TR RUS 1000 ETF 464287622   39,708 176 SH   SOLE   0 0 176
ISHARES TR RUS 2000 GRW ETF 464287648   31,602 139 SH   SOLE   0 0 139
ISHARES TR RUSSELL 2000 ETF 464287655   40,733 228 SH   SOLE   0 0 228
ISHARES TR CORE S&P US VLU 464287663   581,313 7,879 SH   SOLE   0 0 7,879
ISHARES TR CORE S&P SCP ETF 464287804   2,718 28 SH   SOLE   0 0 28
ISHARES TR US CONSM STAPLES 464287812   83,652 420 SH   SOLE   0 0 420
ISHARES TR SP SMCP600VL ETF 464287879   371,365 3,968 SH   SOLE   0 0 3,968
ISHARES TR MSCI ACWI EX US 464288240   7,846 161 SH   SOLE   0 0 161
ISHARES TR MSCI ACWI ETF 464288257   1,943,349 21,318 SH   SOLE   0 0 21,318
ISHARES TR JPMORGAN USD EMG 464288281   3,279 38 SH   SOLE   0 0 38
ISHARES TR IBOXX HI YD ETF 464288513   28,029 371 SH   SOLE   0 0 371
ISHARES TR INTERNATIONAL SL 46434V266   225,441 7,253 SH   SOLE   0 0 7,253
ISHARES TR US SML CAP EQT 46434V290   226,057 4,410 SH   SOLE   0 0 4,410
ISHARES TR GLOBAL EQUITY 46434V316   4,362,269 129,709 SH   SOLE   0 0 129,709
ISHARES TR MSCI INTL QUALTY 46434V456   170,358 4,826 SH   SOLE   0 0 4,826
ISHARES TR YLD OPTIM BD 46434V787   422,992 19,192 SH   SOLE   0 0 19,192
ISHARES TR ESG AWR MSCI USA 46435G425   500,008 5,528 SH   SOLE   0 0 5,528
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   150,391 2,875 SH   SOLE   0 0 2,875
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   174,661 3,460 SH   SOLE   0 0 3,460
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   50 1 SH   SOLE   0 0 1
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   528,490 11,159 SH   SOLE   0 0 11,159
JOHNSON & JOHNSON COM 478160104   270,882 1,748 SH   SOLE   0 0 1,748
JPMORGAN CHASE & CO COM 46625H100   235,666 1,809 SH   SOLE   0 0 1,809
LAKELAND FINL CORP COM 511656100   5,841,806 93,260 SH   SOLE   0 0 93,260
LILLY ELI & CO COM 532457108   1,999,712 5,823 SH   SOLE   0 0 5,823
MICROSOFT CORP COM 594918104   385,761 1,338 SH   SOLE   0 0 1,338
NVIDIA CORPORATION COM 67066G104   215,272 775 SH   SOLE   0 0 775
PEPSICO INC COM 713448108   305,144 1,674 SH   SOLE   0 0 1,674
PIMCO CORPORATE & INCOME OPP COM 72201B101   3,823,190 306,591 SH   SOLE   0 0 306,591
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   407,152 4,291 SH   SOLE   0 0 4,291
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   592,225 5,967 SH   SOLE   0 0 5,967
RPM INTL INC COM 749685103   7,683,576 88,074 SH   SOLE   0 0 88,074
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   25,993,938 543,238 SH   SOLE   0 0 543,238
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   126,625 1,943 SH   SOLE   0 0 1,943
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   132,639 1,813 SH   SOLE   0 0 1,813
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,531 44 SH   SOLE   0 0 44
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   829,170 16,442 SH   SOLE   0 0 16,442
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   8,953 111 SH   SOLE   0 0 111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   278,727 2,153 SH   SOLE   0 0 2,153
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   276,499 1,849 SH   SOLE   0 0 1,849
SELECT SECTOR SPDR TR ENERGY 81369Y506   491,035 5,928 SH   SOLE   0 0 5,928
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   38,033 1,183 SH   SOLE   0 0 1,183
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   43,103 426 SH   SOLE   0 0 426
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   52,637 908 SH   SOLE   0 0 908
SPDR GOLD TR GOLD SHS 78463V107   276,479 1,509 SH   SOLE   0 0 1,509
SPDR INDEX SHS FDS MSCI WRLD STRGIC 78463X418   2,225,483 22,383 SH   SOLE   0 0 22,383
SPDR S&P 500 ETF TR TR UNIT 78462F103   873,745 2,134 SH   SOLE   0 0 2,134
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   581,559 14,174 SH   SOLE   0 0 14,174
STEEL DYNAMICS INC COM 858119100   214,900 1,901 SH   SOLE   0 0 1,901
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778   14,633,954 181,203 SH   SOLE   0 0 181,203
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   716,151 9,700 SH   SOLE   0 0 9,700
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   110,581 294 SH   SOLE   0 0 294
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   58,299,226 434,842 SH   SOLE   0 0 434,842
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,989 36 SH   SOLE   0 0 36
VANGUARD INDEX FDS MID CAP ETF 922908629   14,764 70 SH   SOLE   0 0 70
VANGUARD INDEX FDS SMALL CP ETF 922908751   14,217 75 SH   SOLE   0 0 75
VANGUARD INDEX FDS TOTAL STK MKT 922908769   29,257,735 143,350 SH   SOLE   0 0 143,350
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   3,855,440 41,866 SH   SOLE   0 0 41,866
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,524 87 SH   SOLE   0 0 87
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   412,593 2,679 SH   SOLE   0 0 2,679
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,641,338 29,729 SH   SOLE   0 0 29,729
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   597,806 13,235 SH   SOLE   0 0 13,235
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   41,413 214 SH   SOLE   0 0 214
VANGUARD WORLD FDS ENERGY ETF 92204A306   6,625 58 SH   SOLE   0 0 58
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   54,757 703 SH   SOLE   0 0 703
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   12,352 52 SH   SOLE   0 0 52
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   236,423 1,241 SH   SOLE   0 0 1,241
VANGUARD WORLD FDS INF TECH ETF 92204A702   459,095 1,191 SH   SOLE   0 0 1,191
WALMART INC COM 931142103   225,716 1,531 SH   SOLE   0 0 1,531
WISDOMTREE TR INTERNATIONL EFI 97717Y634   63,085,222 1,837,730 SH   SOLE   0 0 1,837,730
WISDOMTREE TR US EFFICIENT COR 97717Y790   7,292 208 SH   SOLE   0 0 208
ZIMMER BIOMET HOLDINGS INC COM 98956P102   211,709 1,639 SH   SOLE   0 0 1,639