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 2,049,933 5,958 SH SOLE 4,289 0 1,669
ALPHABET INC CAP STK CL C 02079K107 1,264,650 3,711 SH SOLE 3,263 0 449
ALTRIA GROUP INC COM 02209S103 357,037 5,302 SH SOLE 1,944 0 3,358
AMAZON COM INC COM 023135106 606,929 2,436 SH SOLE 1,158 0 1,278
AMGEN INC COM 031162100 241,525 573 SH SOLE 378 0 195
APPLE INC COM 037833100 4,038,114 12,126 SH SOLE 8,597 0 3,529
AT&T INC COM 00206R102 415,752 17,039 SH SOLE 6,642 0 10,397
BANK OF AMER CORP COM 060505104 755,920 13,888 SH SOLE 3,779 0 10,109
BECTON DICKINSON & CO COM 075887109 219,812 1,228 SH SOLE 304 0 924
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,401,115 4,822 SH SOLE 2,952 0 1,870
BROADCOM INC COM 11135F101 660,266 1,880 SH SOLE 488 0 1,392
CATERPILLAR INC COM 149123101 237,561 293 SH SOLE 0 0 293
CHEVRON CORPORATION COM 166764100 755,066 3,698 SH SOLE 1,446 0 2,252
CHUBB LIMITED COM H1467J104 677,171 2,082 SH SOLE 546 0 1,536
CINCINNATI FINL CORP COM 172062101 643,975 4,041 SH SOLE 3,948 0 93
CISCO SYS INC COM 17275R102 820,033 7,619 SH SOLE 2,477 0 5,142
CITIGROUP INC COM NEW 172967424 441,858 3,413 SH SOLE 1,063 0 2,350
COCA COLA CO COM 191216100 297,594 3,457 SH SOLE 1,051 0 2,406
CONOCOPHILLIPS COM 20825C104 384,039 3,069 SH SOLE 781 0 2,288
DUKE ENERGY CORP NEW COM NEW 26441C204 749,029 6,570 SH SOLE 2,686 0 3,884
ELI LILLY & CO COM 532457108 350,595 303 SH SOLE 45 0 258
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 758,675 4,662 SH SOLE 1,306 0 3,356
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113 19,583,439 452,065 SH SOLE 410,016 0 42,048
GENERAL DYNAMICS CORP COM 369550108 541,215 1,631 SH SOLE 490 0 1,141
GENUINE PARTS CO COM 372460105 449,772 3,577 SH SOLE 845 0 2,732
HEALTHPEAK PROPERTIES INC COM 42250P103 288,866 14,465 SH SOLE 4,461 0 10,004
HERSHEY CO COM 427866108 229,795 1,458 SH SOLE 639 0 819
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 843,159 11,958 SH SOLE 0 0 11,958
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,034,660 19,009 SH SOLE 9,073 0 9,936
ISHARES TR TIPS BD ETF 464287176 228,888 2,200 SH SOLE 2,200 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 779,662 2,185 SH SOLE 0 0 2,185
ISHARES TR CORE S&P MCP ETF 464287507 5,589,327 77,683 SH SOLE 62,937 0 14,746
ISHARES TR S&P 500 VAL ETF 464287408 1,274,031 5,581 SH SOLE 5,581 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 772,534 2,780 SH SOLE 2,780 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 823,040 3,930 SH SOLE 0 0 3,930
ISHARES TR RUS MDCP VAL ETF 464287473 741,815 4,615 SH SOLE 4,529 0 86
ISHARES TR MSCI EAFE ETF 464287465 530,670 5,108 SH SOLE 5,108 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,853,266 5,840 SH SOLE 3,453 0 2,387
ISHARES TR CORE DIV GRWTH 46434V621 1,368,102 18,147 SH SOLE 11,375 0 6,772
ISHARES TR MSCI USA QLT FCT 46432F339 2,543,981 11,447 SH SOLE 7,183 0 4,264
ISHARES TR CORE DIVID ETF 46435U861 5,676,333 87,992 SH SOLE 74,224 0 13,768
ISHARES TR IBONDS 29 TRM TS 46436E825 582,435 27,441 SH SOLE 19,526 0 7,915
ISHARES TR IBONDS 26 TRM TS 46436E858 318,375 13,915 SH SOLE 13,915 0 0
ISHARES TR IBONDS 27 TRM TS 46436E841 603,510 27,039 SH SOLE 20,081 0 6,958
ISHARES TR IBONDS 28 TRM TS 46436E833 605,483 27,635 SH SOLE 20,242 0 7,393
ISHARES TR 0-3 MTH TREASURY 46436E718 854,169 8,484 SH SOLE 6,098 0 2,386
ISHARES TR SHRT NAT MUN ETF 464288158 793,772 7,593 SH SOLE 943 0 6,650
ISHARES TR CORE HIGH DV ETF 46429B663 5,248,425 187,712 SH SOLE 157,990 0 29,722
ISHARES TR MSCI USA MIN ETF 46429B697 2,515,998 25,821 SH SOLE 16,172 0 9,649
ISHARES TR NATIONAL MUN ETF 464288414 1,005,213 9,943 SH SOLE 7,008 0 2,935
JOHNSON & JOHNSON COM 478160104 1,092,685 4,127 SH SOLE 1,345 0 2,782
JOHNSON CONTROLS INTERNATION SHS G51502105 699,696 4,707 SH SOLE 1,387 0 3,320
JPMORGAN CHASE & CO COM 46625H100 1,396,154 4,220 SH SOLE 1,825 0 2,395
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 1,236,633 29,648 SH SOLE 0 0 29,648
LOWES COS INC COM 548661107 466,438 2,531 SH SOLE 911 0 1,620
MASTERCARD INCORPORATED CL A 57636Q104 227,206 412 SH SOLE 403 0 9
MEDTRONIC PLC SHS G5960L103 494,787 5,734 SH SOLE 1,498 0 4,236
MERCK & CO INC COM 58933Y105 695,018 4,783 SH SOLE 1,590 0 3,193
MICROSOFT CORP COM 594918104 1,899,222 3,703 SH SOLE 1,535 0 2,168
MORGAN STANLEY COM NEW 617446448 801,732 4,263 SH SOLE 1,252 0 3,011
NEXTERA ENERGY INC COM 65339F101 499,306 6,592 SH SOLE 1,732 0 4,860
NOVARTIS AG SPONSORED ADR 66987V109 402,618 2,824 SH SOLE 900 0 1,924
NUVEEN MUN VALUE FD INC COM 670928100 1,230,050 148,378 SH SOLE 0 0 148,378
NUVEEN S&P 500 DYNAMIC OVERW COM 6706EW100 1,054,666 57,040 SH SOLE 0 0 57,040
NUVEEN SELECT MAT MUN FD SH BEN INT 67061T101 1,740,505 200,058 SH SOLE 0 0 200,058
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 239,994 17,870 SH SOLE 0 0 17,870
NVIDIA CORPORATION COM 67066G104 353,990 1,550 SH SOLE 38 0 1,512
OMNICOM GROUP INC COM 681919106 343,116 4,660 SH SOLE 2,049 0 2,611
ORACLE CORP COM 68389X105 288,467 2,101 SH SOLE 1,603 0 498
PEPSICO INC COM 713448108 308,690 2,436 SH SOLE 1,260 0 1,176
PFIZER INC COM 717081103 205,344 7,200 SH SOLE 1,820 0 5,380
PHILIP MORRIS INTL INC COM 718172109 711,949 3,731 SH SOLE 1,597 0 2,134
PNC FINL SVCS GROUP INC COM 693475105 219,815 989 SH SOLE 551 0 438
PROCTER & GAMBLE CO COM 742718109 507,164 3,491 SH SOLE 354 0 3,137
QUALCOMM INC COM 747525103 326,855 1,776 SH SOLE 499 0 1,277
RBB FUND TRUST FIRS EAGL OV ETF 75526L878 250,444 4,658 SH SOLE 986 0 3,672
RIO TINTO PLC SPONSORED ADR 767204100 222,806 2,366 SH SOLE 635 0 1,731
RTX CORPORATION COM 75513E101 746,770 4,022 SH SOLE 1,151 0 2,871
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 538,106 17,099 SH SOLE 14,340 0 2,759
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 612,328 25,663 SH SOLE 24,350 0 1,313
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 8,751,919 369,279 SH SOLE 0 0 369,279
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 6,968,663 190,089 SH SOLE 0 0 190,089
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 355,454 10,927 SH SOLE 2,284 0 8,643
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 557,302 3,309 SH SOLE 1,591 0 1,718
SPDR SERIES TRUST ST STR PR SP1500 78464A805 252,401 2,742 SH SOLE 2,104 0 638
SPDR SERIES TRUST ST STR RATE ETF 78468R200 701,147 22,735 SH SOLE 20,942 0 1,793
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 522,533 12,937 SH SOLE 0 0 12,937
TARGET CORP COM 87612E106 406,681 2,595 SH SOLE 854 0 1,741
THORNBURG ETF TR INTL EQUITY ETF 88521L306 1,078,535 31,064 SH SOLE 27,798 0 3,266
TRAVELERS COMPANIES INC COM 89417E109 513,431 1,440 SH SOLE 457 0 983
TRUIST FINL CORP COM 89832Q109 366,557 7,917 SH SOLE 2,210 0 5,707
UNILEVER PLC SPON ADR NEW 904767803 433,451 7,137 SH SOLE 2,164 0 4,973
UNITED PARCEL SVCS INC CL B 911312106 255,465 2,734 SH SOLE 919 0 1,815
UNITEDHEALTH GROUP INC COM 91324P102 372,219 1,014 SH SOLE 365 0 649
VANECK ETF TRUST SHRT HGH YLD MUN 92189F387 898,720 41,000 SH SOLE 2,600 0 38,400
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,502,201 4,997 SH SOLE 0 0 4,997
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 651,014 8,302 SH SOLE 220 0 8,082
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 372,732 1,310 SH SOLE 40 0 1,270
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,402,770 41,012 SH SOLE 0 0 41,012
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 368,812 4,774 SH SOLE 0 0 4,774
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,139,487 4,884 SH SOLE 2,849 0 2,035
VANGUARD STAR FDS VG TL INTL STK F 921909768 8,991,233 105,829 SH SOLE 0 0 105,829
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 5,706,562 36,769 SH SOLE 0 0 36,769
VANGUARD WORLD FD ENERGY ETF 92204A306 424,891 2,468 SH SOLE 1,170 0 1,298
VERIZON COMMUNICATIONS INC COM 92343V104 227,999 4,971 SH SOLE 2,974 0 1,997
VICI PPTYS INC COM 925652109 220,882 9,616 SH SOLE 2,772 0 6,844
VISA INC COM CL A 92826C839 332,021 924 SH SOLE 567 0 357
WEC ENERGY GROUP INC COM 92939U106 228,771 2,270 SH SOLE 1,311 0 959
WISDOMTREE TR US QTLY DIV GRT 97717X669 757,500 7,790 SH SOLE 3,700 0 4,090