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 2,047,825 5,730 SH SOLE 4,207 0 1,524
ALPHABET INC CAP STK CL C 02079K107 1,311,220 3,711 SH SOLE 3,263 0 448
ALTRIA GROUP INC COM 02209S103 442,493 6,150 SH SOLE 2,209 0 3,941
AMAZON COM INC COM 023135106 474,058 1,989 SH SOLE 810 0 1,179
AMGEN INC COM 031162100 205,322 567 SH SOLE 379 0 188
APPLE INC COM 037833100 3,543,386 12,246 SH SOLE 8,695 0 3,550
AT&T INC COM 00206R102 396,612 19,160 SH SOLE 6,642 0 12,518
BANK OF AMER CORP COM 060505104 829,743 14,562 SH SOLE 3,443 0 11,119
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,375,852 4,748 SH SOLE 2,953 0 1,795
BROADCOM INC COM 11135F101 772,877 2,046 SH SOLE 392 0 1,654
CATERPILLAR INC COM 149123101 312,016 293 SH SOLE 0 0 293
CHEVRON CORPORATION COM 166764100 633,203 3,820 SH SOLE 1,389 0 2,431
CHUBB LIMITED COM H1467J104 751,672 2,206 SH SOLE 484 0 1,722
CINCINNATI FINL CORP COM 172062101 747,904 4,040 SH SOLE 3,947 0 93
CISCO SYS INC COM 17275R102 934,512 7,956 SH SOLE 2,265 0 5,691
CITIGROUP INC COM NEW 172967424 508,475 3,633 SH SOLE 953 0 2,680
COCA COLA CO COM 191216100 274,083 3,373 SH SOLE 1,050 0 2,323
COMCAST CORP NEW CL A 20030N101 250,410 10,200 SH SOLE 3,286 0 6,914
CONOCOPHILLIPS COM 20825C104 339,429 3,265 SH SOLE 683 0 2,582
DUKE ENERGY CORP NEW COM NEW 26441C204 802,475 6,340 SH SOLE 2,392 0 3,948
ELI LILLY & CO COM 532457108 281,866 235 SH SOLE 0 0 235
EXXON MOBIL CORP COM 30231G102 663,639 4,854 SH SOLE 1,210 0 3,644
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113 19,014,933 453,709 SH SOLE 414,832 0 38,876
GENERAL DYNAMICS CORP COM 369550108 613,898 1,733 SH SOLE 440 0 1,293
GENUINE PARTS CO COM 372460105 422,014 3,577 SH SOLE 845 0 2,732
HEALTHPEAK PROPERTIES INC COM 42250P103 309,551 14,465 SH SOLE 4,461 0 10,004
HERSHEY CO COM 427866108 244,753 1,395 SH SOLE 641 0 754
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 895,654 11,958 SH SOLE 0 0 11,958
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,027,056 19,009 SH SOLE 9,073 0 9,936
ISHARES TR CORE US AGGBD ET 464287226 204,244 2,063 SH SOLE 0 0 2,063
ISHARES TR TIPS BD ETF 464287176 240,746 2,200 SH SOLE 2,200 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 860,081 2,183 SH SOLE 0 0 2,183
ISHARES TR CORE S&P MCP ETF 464287507 5,887,664 76,354 SH SOLE 63,141 0 13,213
ISHARES TR S&P 500 VAL ETF 464287408 1,267,222 5,581 SH SOLE 5,581 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 835,251 2,780 SH SOLE 2,780 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 867,198 3,920 SH SOLE 0 0 3,920
ISHARES TR RUS MDCP VAL ETF 464287473 759,629 4,615 SH SOLE 4,529 0 86
ISHARES TR MSCI EAFE ETF 464287465 530,619 5,108 SH SOLE 5,108 0 0
ISHARES TR MSCI USA MMENTM 46432F396 2,002,127 5,840 SH SOLE 3,453 0 2,387
ISHARES TR MSCI USA MIN ETF 46429B697 2,490,694 25,821 SH SOLE 16,172 0 9,649
ISHARES TR CORE DIV GRWTH 46434V621 1,375,361 18,147 SH SOLE 11,375 0 6,772
ISHARES TR CORE HIGH DV ETF 46429B663 5,414,178 197,526 SH SOLE 169,775 0 27,751
ISHARES TR MSCI USA QLT FCT 46432F339 2,511,815 11,447 SH SOLE 7,183 0 4,264
ISHARES TR NATIONAL MUN ETF 464288414 1,070,040 9,943 SH SOLE 7,008 0 2,935
ISHARES TR SHRT NAT MUN ETF 464288158 808,427 7,593 SH SOLE 943 0 6,650
ISHARES TR CORE DIVID ETF 46435U861 5,696,089 92,469 SH SOLE 79,539 0 12,930
ISHARES TR IBONDS 29 TRM TS 46436E825 594,098 27,441 SH SOLE 19,526 0 7,915
ISHARES TR IBONDS 26 TRM TS 46436E858 318,514 13,915 SH SOLE 13,915 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 604,862 27,039 SH SOLE 20,081 0 6,958
ISHARES TR IBONDS 28 TRM TS 46436E833 611,839 27,635 SH SOLE 20,242 0 7,393
ISHARES TR 0-3 MTH TREASURY 46436E718 1,399,615 13,903 SH SOLE 8,674 0 5,229
JOHNSON & JOHNSON COM 478160104 1,107,563 4,361 SH SOLE 1,305 0 3,056
JOHNSON CONTROLS INTERNATION SHS G51502105 730,112 4,997 SH SOLE 1,242 0 3,755
JPMORGAN CHASE & CO COM 46625H100 1,337,521 4,086 SH SOLE 1,612 0 2,474
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 1,233,229 30,386 SH SOLE 0 0 30,386
LOWES COS INC COM 548661107 425,546 1,930 SH SOLE 618 0 1,312
MASTERCARD INCORPORATED CL A 57636Q104 211,603 412 SH SOLE 403 0 9
MEDTRONIC PLC SHS G5960L103 415,245 5,308 SH SOLE 1,498 0 3,810
MERCK & CO INC COM 58933Y105 650,853 5,065 SH SOLE 1,449 0 3,616
MICROSOFT CORP COM 594918104 1,170,164 3,137 SH SOLE 1,207 0 1,930
MORGAN STANLEY COM NEW 617446448 999,629 4,782 SH SOLE 1,190 0 3,592
NEXTERA ENERGY INC COM 65339F101 579,194 6,599 SH SOLE 1,553 0 5,046
NOVARTIS AG SPONSORED ADR 66987V109 471,884 3,011 SH SOLE 805 0 2,206
NUVEEN MUN VALUE FD INC COM 670928100 1,368,041 148,378 SH SOLE 0 0 148,378
NUVEEN S&P 500 DYNAMIC OVERW COM 6706EW100 1,069,507 57,377 SH SOLE 0 0 57,377
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 1,884,546 200,058 SH SOLE 0 0 200,058
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 255,720 17,870 SH SOLE 0 0 17,870
NVIDIA CORPORATION COM 67066G104 346,557 1,732 SH SOLE 38 0 1,694
OMNICOM GROUP INC COM 681919106 339,679 4,664 SH SOLE 2,053 0 2,611
ORACLE CORP COM 68389X105 307,902 2,101 SH SOLE 1,603 0 498
PEPSICO INC COM 713448108 311,149 2,298 SH SOLE 1,262 0 1,036
PHILIP MORRIS INTL INC COM 718172109 712,604 3,939 SH SOLE 1,493 0 2,446
PNC FINL SVCS GROUP INC COM 693475105 267,887 1,088 SH SOLE 683 0 405
PROCTER & GAMBLE CO COM 742718109 514,680 3,510 SH SOLE 355 0 3,155
QUALCOMM INC COM 747525103 315,621 1,708 SH SOLE 499 0 1,209
RBB FUND TRUST FIRS EAGL OV ETF 75526L878 248,721 4,658 SH SOLE 986 0 3,672
RTX CORPORATION COM 75513e101 812,044 4,280 SH SOLE 1,022 0 3,258
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 721,068 29,870 SH SOLE 24,350 0 5,520
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 9,754,365 395,554 SH SOLE 0 0 395,554
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 531,779 17,099 SH SOLE 14,340 0 2,759
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 6,854,609 190,089 SH SOLE 0 0 190,089
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 340,962 10,753 SH SOLE 2,266 0 8,486
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 525,006 3,309 SH SOLE 1,591 0 1,718
SPDR SERIES TRUST ST STR PR SP1500 78464A805 248,946 2,742 SH SOLE 2,104 0 638
SPDR SERIES TRUST ST STR RATE ETF 78468R200 703,689 22,810 SH SOLE 20,942 0 1,868
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 518,140 12,860 SH SOLE 0 0 12,860
TARGET CORP COM 87612e106 355,129 2,719 SH SOLE 793 0 1,926
TEXAS INSTRS INC COM 882508104 276,013 926 SH SOLE 510 0 416
TRAVELERS COMPANIES INC COM 89417e109 505,414 1,531 SH SOLE 411 0 1,120
TRUIST FINL CORP COM 89832Q109 394,425 7,917 SH SOLE 2,210 0 5,707
UNILEVER PLC SPON ADR NEW 904767803 345,930 5,754 SH SOLE 1,412 0 4,342
UNITED PARCEL SVCS INC CL B 911312106 293,905 2,734 SH SOLE 919 0 1,815
UNITEDHEALTH GROUP INC COM 91324P102 401,499 966 SH SOLE 350 0 616
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 938,900 41,000 SH SOLE 2,600 0 38,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,520,742 5,126 SH SOLE 0 0 5,126
VANGUARD INDEX FDS MID CAP ETF 922908629 858,981 10,661 SH SOLE 220 0 10,441
VANGUARD INDEX FDS SMALL CP ETF 922908751 574,933 1,897 SH SOLE 40 0 1,857
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,769,741 45,012 SH SOLE 0 0 45,012
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 377,310 4,774 SH SOLE 0 0 4,774
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 411,315 3,218 SH SOLE 0 0 3,218
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 433,780 4,080 SH SOLE 0 0 4,080
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,155,033 4,881 SH SOLE 2,849 0 2,032
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,985,929 105,111 SH SOLE 0 0 105,111
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,949,052 37,645 SH SOLE 0 0 37,645
VANGUARD WORLD FD ENERGY ETF 92204A306 370,521 2,468 SH SOLE 1,170 0 1,298
VERIZON COMMUNICATIONS INC COM 92343V104 278,937 6,588 SH SOLE 3,953 0 2,635
VICI PPTYS INC COM 925652109 255,116 9,609 SH SOLE 2,772 0 6,837
VISA INC COM CL A 92826C839 317,358 925 SH SOLE 568 0 357
WEC ENERGY GROUP INC COM 92939U106 258,879 2,217 SH SOLE 1,313 0 904
WISDOMTREE TR US QTLY DIV GRT 97717X669 744,880 7,790 SH SOLE 3,700 0 4,090