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
Expires: July 31, 2015
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
ALPHABET INC CAP STK CL A 02079K305 1,016,187 5,766 SH SOLE 4,299 0 1,467
ALPHABET INC CAP STK CL C 02079K107 657,956 3,709 SH SOLE 3,262 0 447
ALTRIA GROUP INC COM 02209S103 492,727 8,404 SH SOLE 3,553 0 4,851
AMAZON COM INC COM 023135106 431,979 1,969 SH SOLE 877 0 1,092
APPLE INC COM 037833100 2,585,438 12,601 SH SOLE 9,101 0 3,500
AT&T INC COM 00206R102 563,346 19,466 SH SOLE 6,847 0 12,619
BANK AMERICA CORP COM 060505104 655,808 13,859 SH SOLE 3,443 0 10,416
BCE INC COM NEW 05534B760 210,415 9,491 SH SOLE 2,561 0 6,930
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,465,769 5,076 SH SOLE 3,805 0 1,271
BLACKROCK INC COM 09290D101 211,949 202 SH SOLE 148 0 54
BROADCOM INC COM 11135F101 770,993 2,797 SH SOLE 633 0 2,164
CHEVRON CORP NEW COM 166764100 607,555 4,243 SH SOLE 1,772 0 2,471
CHUBB LIMITED COM H1467J104 634,197 2,189 SH SOLE 484 0 1,705
CINCINNATI FINL CORP COM 172062101 477,442 3,206 SH SOLE 3,206 0 0
CISCO SYS INC COM 17275R102 590,354 8,509 SH SOLE 2,664 0 5,845
CITIGROUP INC COM NEW 172967424 309,667 3,638 SH SOLE 953 0 2,685
COCA COLA CO COM 191216100 202,761 2,866 SH SOLE 1,044 0 1,822
COMCAST CORP NEW CL A 20030N101 322,852 9,046 SH SOLE 2,134 0 6,912
CONOCOPHILLIPS COM 20825C104 354,742 3,953 SH SOLE 906 0 3,047
CROWN CASTLE INC COM 22822V101 263,502 2,565 SH SOLE 692 0 1,873
DUKE ENERGY CORP NEW COM NEW 26441C204 742,417 6,292 SH SOLE 2,399 0 3,893
EXXON MOBIL CORP COM 30231G102 548,594 5,089 SH SOLE 1,404 0 3,685
GENERAL DYNAMICS CORP COM 369550108 497,864 1,707 SH SOLE 440 0 1,267
GENUINE PARTS CO COM 372460105 361,261 2,978 SH SOLE 724 0 2,254
HEALTHPEAK PROPERTIES INC COM 42250P103 332,147 18,969 SH SOLE 5,128 0 13,841
HERSHEY CO COM 427866108 236,479 1,425 SH SOLE 647 0 778
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 870,782 11,958 SH SOLE 0 0 11,958
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 845,062 19,992 SH SOLE 9,548 0 10,444
ISHARES TR NATIONAL MUN ETF 464288414 1,251,252 11,976 SH SOLE 7,944 0 4,032
ISHARES TR MSCI EAFE ETF 464287465 727,545 8,139 SH SOLE 8,139 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 661,875 2,315 SH SOLE 0 0 2,315
ISHARES TR CORE S&P MCP ETF 464287507 4,372,544 70,502 SH SOLE 65,348 0 5,154
ISHARES TR S&P 500 VAL ETF 464287408 1,090,639 5,581 SH SOLE 5,581 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 599,896 2,780 SH SOLE 2,780 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 654,654 4,150 SH SOLE 0 0 4,150
ISHARES TR RUS MDCP VAL ETF 464287473 598,462 4,529 SH SOLE 4,529 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,468,875 26,301 SH SOLE 16,172 0 10,129
ISHARES TR SHRT NAT MUN ETF 464288158 807,440 7,593 SH SOLE 943 0 6,650
ISHARES TR CORE DIV GRWTH 46434V621 1,181,100 18,472 SH SOLE 11,375 0 7,097
ISHARES TR MSCI USA MMENTM 46432F396 1,797,113 7,478 SH SOLE 4,901 0 2,577
ISHARES TR MSCI USA QLT FCT 46432F339 2,430,043 13,292 SH SOLE 8,435 0 4,857
ISHARES TR IBONDS 29 TRM TS 46436E825 529,434 24,153 SH SOLE 16,101 0 8,052
ISHARES TR IBONDS 26 TRM TS 46436E858 319,071 13,915 SH SOLE 13,915 0 0
ISHARES TR IBONDS 25 TRM TS 46436E866 318,420 13,631 SH SOLE 13,631 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 540,232 24,021 SH SOLE 15,628 0 8,393
ISHARES TR IBONDS 28 TRM TS 46436E833 540,911 24,191 SH SOLE 15,763 0 8,428
ISHARES TR 0-3 MNTH TREASRY 46436E718 870,969 8,650 SH SOLE 3,786 0 4,864
JOHNSON & JOHNSON COM 478160104 740,074 4,845 SH SOLE 1,925 0 2,920
JOHNSON CTLS INTL PLC SHS G51502105 624,109 5,909 SH SOLE 1,495 0 4,414
JPMORGAN CHASE & CO. COM 46625H100 1,285,216 4,433 SH SOLE 1,743 0 2,690
KINDER MORGAN INC DEL COM 49456B101 220,983 7,516 SH SOLE 4,179 0 3,337
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 750,955 23,071 SH SOLE 0 0 23,071
LINDE PLC SHS G54950103 213,008 454 SH SOLE 199 0 255
LOWES COS INC COM 548661107 415,341 1,872 SH SOLE 634 0 1,238
MASTERCARD INCORPORATED CL A 57636Q104 257,930 459 SH SOLE 421 0 38
MEDTRONIC PLC SHS G5960L103 476,820 5,470 SH SOLE 1,498 0 3,972
MERCK & CO INC COM 58933Y105 406,724 5,138 SH SOLE 1,449 0 3,689
MICROSOFT CORP COM 594918104 1,503,783 3,023 SH SOLE 1,208 0 1,815
MORGAN STANLEY COM NEW 617446448 711,766 5,053 SH SOLE 1,190 0 3,863
NETFLIX INC COM 64110L106 324,069 242 SH SOLE 100 0 142
NEXTERA ENERGY INC COM 65339F101 430,196 6,197 SH SOLE 1,583 0 4,614
NOVARTIS AG SPONSORED ADR 66987V109 364,361 3,011 SH SOLE 805 0 2,206
NUVEEN MUN VALUE FD INC COM 670928100 1,120,654 128,959 SH SOLE 0 0 128,959
NUVEEN S&P 500 BUY-WRITE INC COM 6706ER101 952,217 68,604 SH SOLE 0 0 68,604
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 1,005,950 111,032 SH SOLE 0 0 111,032
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 251,074 17,870 SH SOLE 0 0 17,870
NVIDIA CORPORATION COM 67066G104 322,458 2,041 SH SOLE 249 0 1,792
OMNICOM GROUP INC COM 681919106 267,977 3,725 SH SOLE 1,278 0 2,447
ORACLE CORP COM 68389X105 450,378 2,060 SH SOLE 1,603 0 457
PEPSICO INC COM 713448108 272,663 2,065 SH SOLE 1,272 0 793
PFIZER INC COM 717081103 300,940 12,415 SH SOLE 3,852 0 8,563
PHILIP MORRIS INTL INC COM 718172109 717,956 3,942 SH SOLE 1,493 0 2,449
PNC FINL SVCS GROUP INC COM 693475105 205,062 1,100 SH SOLE 689 0 411
PROCTER AND GAMBLE CO COM 742718109 467,206 2,932 SH SOLE 182 0 2,750
QUALCOMM INC COM 747525103 273,449 1,717 SH SOLE 441 0 1,276
RTX CORPORATION COM 75513e101 657,674 4,504 SH SOLE 1,137 0 3,367
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 9,856,405 330,530 SH SOLE 0 0 330,530
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 925,904 37,978 SH SOLE 34,334 0 3,644
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 6,905,230 275,878 SH SOLE 0 0 275,878
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 420,468 17,134 SH SOLE 14,340 0 2,794
SPDR SERIES TRUST BLOOMBERG INVT 78468R200 699,379 22,685 SH SOLE 20,942 0 1,743
SPDR SERIES TRUST PORTFOLI S&P1500 78464A805 1,263,993 16,878 SH SOLE 10,811 0 6,067
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 495,764 11,920 SH SOLE 0 0 11,920
TARGET CORP COM 87612E106 220,779 2,238 SH SOLE 612 0 1,626
TEXAS INSTRS INC COM 882508104 223,814 1,078 SH SOLE 638 0 440
TRAVELERS COMPANIES INC COM 89417e109 409,604 1,531 SH SOLE 411 0 1,120
TRUIST FINL CORP COM 89832Q109 302,865 7,045 SH SOLE 1,795 0 5,250
TRUST FOR PROFESSIONAL MANAG JENSEN QUALITY 89834G562 339,992 12,824 SH SOLE 12,824 0 0
UNILEVER PLC SPON ADR NEW 904767704 382,741 6,257 SH SOLE 1,589 0 4,668
UNITED PARCEL SERVICE INC CL B 911312106 302,921 3,001 SH SOLE 1,269 0 1,732
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 926,157 41,000 SH SOLE 2,600 0 38,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,790,081 3,151 SH SOLE 0 0 3,151
VANGUARD INDEX FDS SMALL CP ETF 922908751 210,855 890 SH SOLE 40 0 850
VANGUARD INDEX FDS MID CAP ETF 922908629 329,771 1,178 SH SOLE 55 0 1,123
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 512,602 6,448 SH SOLE 0 0 6,448
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 996,347 4,868 SH SOLE 2,849 0 2,019
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,806,122 21,050 SH SOLE 0 0 21,050
VERIZON COMMUNICATIONS INC COM 92343V104 317,335 7,334 SH SOLE 4,829 0 2,505
VICI PPTYS INC COM 925652109 354,169 10,864 SH SOLE 2,772 0 8,092
VISA INC COM CL A 92826C839 247,470 697 SH SOLE 417 0 280
WEC ENERGY GROUP INC COM 92939U106 224,759 2,157 SH SOLE 1,340 0 817
WISDOMTREE TR US QTLY DIV GRT 97717X669 672,014 8,025 SH SOLE 3,700 0 4,325