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
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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
AMAZON COM INC COM 023135106 571,552 2,378 SH SOLE 0 0 2,378
INVESCO QQQ TR UNIT SER 1 46090E103 28,215,175 40,863 SH SOLE 0 0 40,863
PRINCIPAL EXCHANGE TRADED FD ACTIVE HIGH YL 74255Y102 16,495,632 896,989 SH SOLE 0 0 896,989
JOHNSON & JOHNSON COM 478160104 238,213 872 SH SOLE 0 0 872
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,957,200 7,959 SH SOLE 0 0 7,959
ISHARES TR MSCI EMG MKT ETF 464287234 2,926,424 47,943 SH SOLE 0 0 47,943
MARRIOTT INTL INC NEW CL A 571903202 1,272,006 3,186 SH SOLE 0 0 3,186
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,879,067 51,938 SH SOLE 0 0 51,938
ALLIANCEBERNSTEIN NATL MUN I COM 01864U106 155,456 14,991 SH SOLE 0 0 14,991
EATON VANCE TAX-MANAGED BUY- COM 27828Y108 9,008,444 623,853 SH SOLE 0 0 623,853
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 492,231 651 SH SOLE 0 0 651
ISHARES TR CRE U S REIT ETF 464288521 12,732,996 199,671 SH SOLE 0 0 199,671
SHERWIN WILLIAMS CO COM 824348106 797,760 2,398 SH SOLE 0 0 2,398
FIRSTENERGY CORP COM 337932107 1,225,426 26,123 SH SOLE 0 0 26,123
SPDR GOLD TR GOLD SHS 78463V107 2,476,942 6,962 SH SOLE 0 0 6,962
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 385,956 14,305 SH SOLE 0 0 14,305
ISHARES TR U.S. REAL ES ETF 464287739 722,539 7,250 SH SOLE 0 0 7,250
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 257,788 2,883 SH SOLE 0 0 2,883
ISHARES TR CORE S&P SCP ETF 464287804 3,528,784 25,153 SH SOLE 0 0 25,153
ALPHABET INC CAP STK CL A 02079K305 1,146,119 4,096 SH SOLE 0 0 4,096
PROGRESSIVE CORP COM 743315103 524,333 2,267 SH SOLE 0 0 2,267
MICROSOFT CORP COM 594918104 1,020,278 1,955 SH SOLE 0 0 1,955
VALERO ENERGY CORP COM 91913Y100 519,877 1,301 SH SOLE 0 0 1,301
DTE ENERGY CO COM 233331107 418,807 3,091 SH SOLE 0 0 3,091
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 5,568,798 19,199 SH SOLE 0 0 19,199
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 212,715 2,611 SH SOLE 0 0 2,611
VANGUARD WORLD FD INF TECH ETF 92204A702 497,126 4,250 SH SOLE 0 0 4,250
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 10,255,124 90,866 SH SOLE 0 0 90,866
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 673,124 969 SH SOLE 0 0 969
HUNTINGTON BANCSHARES INC COM 446150104 193,874 12,286 SH SOLE 0 0 12,286
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 642,066 2,941 SH SOLE 0 0 2,941
SPDR SERIES TRUST ST STR SP600SM C 78464A300 4,743,764 44,774 SH SOLE 0 0 44,774
SPDR SERIES TRUST ST STR SP400GRW 78464A821 5,960,375 57,941 SH SOLE 0 0 57,941
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 5,368,460 48,911 SH SOLE 0 0 48,911
SPDR SERIES TRUST ST STR SP400VAL 78464A839 5,272,729 56,423 SH SOLE 0 0 56,423
ELI LILLY & CO COM 532457108 426,861 301 SH SOLE 0 0 301
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,611,045 132,046 SH SOLE 0 0 132,046
VANGUARD STAR FDS VG TL INTL STK F 921909768 258,866 3,143 SH SOLE 0 0 3,143
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 4,590,932 19,863 SH SOLE 0 0 19,863
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,845,854 22,842 SH SOLE 0 0 22,842
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 8,549,189 74,862 SH SOLE 0 0 74,862
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 9,110,866 67,710 SH SOLE 0 0 67,710
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 7,604,938 53,768 SH SOLE 0 0 53,768
COHERENT CORP COM 19247G107 525,300 2,498 SH SOLE 0 0 2,498
ISHARES TR SELECT DIVID ETF 464287168 491,004 3,021 SH SOLE 0 0 3,021
AMERICAN ELEC PWR CO INC COM 025537101 265,564 2,040 SH SOLE 0 0 2,040
MARATHON PETE CORP COM 56585A102 246,787 555 SH SOLE 0 0 555
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 658,538 23,697 SH SOLE 0 0 23,697
L3HARRIS TECHNOLOGIES INC COM 502431109 334,333 1,204 SH SOLE 0 0 1,204
ABERDEEN MUN INCOME FD SH BEN INT 552738106 1,052,400 202,385 SH SOLE 0 0 202,385
CF BANKSHARES INC COM 12520L109 242,885 7,112 SH SOLE 0 0 7,112
NVIDIA CORPORATION COM 67066G104 225,130 1,100 SH SOLE 0 0 1,100
ABBVIE INC COM 00287Y109 973,338 3,301 SH SOLE 0 0 3,301
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 10,764,347 133,602 SH SOLE 0 0 133,602
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,052,884 12,690 SH SOLE 0 0 12,690
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 296,719 7,491 SH SOLE 0 0 7,491
INVESCO EXCHANGE TRADED FD T LARG CAP GRO ETF 46137V746 2,549,902 17,272 SH SOLE 0 0 17,272
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 204,632 1,222 SH SOLE 0 0 1,222
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 12,925,053 318,586 SH SOLE 0 0 318,586
ISHARES TR CORE S&P500 ETF 464287200 1,230,941 1,621 SH SOLE 0 0 1,621
ISHARES TR PFD AND INCM SEC 464288687 480,450 16,876 SH SOLE 0 0 16,876
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449 801,581 6,065 SH SOLE 0 0 6,065
JPMORGAN CHASE & CO COM 46625H100 383,853 1,139 SH SOLE 0 0 1,139
CHEVRON CORPORATION COM 166764100 233,281 990 SH SOLE 0 0 990
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 385,939 7,275 SH SOLE 0 0 7,275
INVESCO EXCHANGE TRADED FD T DORSEY WRGT TECH 46137V811 666,159 6,687 SH SOLE 0 0 6,687
ALPHABET INC CAP STK CL C 02079K107 831,455 2,988 SH SOLE 0 0 2,988
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 487,136 1,966 SH SOLE 0 0 1,966
EATON CORP PLC SHS G29183103 227,908 616 SH SOLE 0 0 616
DNP SELECT INCOME FD INC COM 23325P104 335,751 33,014 SH SOLE 0 0 33,014
SPDR SERIES TRUST ST STR P500GRW 78464A409 30,449,578 261,549 SH SOLE 0 0 261,549
SPDR SERIES TRUST ST STR P500VAL 78464A508 52,171,093 813,521 SH SOLE 0 0 813,521
PHILIP MORRIS INTL INC COM 718172109 233,917 1,120 SH SOLE 0 0 1,120
PNC FINL SVCS GROUP INC COM 693475105 259,129 1,137 SH SOLE 0 0 1,137
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 798,852 28,030 SH SOLE 0 0 28,030
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 368,276 1,967 SH SOLE 0 0 1,967
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 5,061,197 99,807 SH SOLE 0 0 99,807
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 924,989 18,743 SH SOLE 0 0 18,743
ISHARES TR CORE S&P MCP ETF 464287507 3,820,917 52,106 SH SOLE 0 0 52,106
ISHARES TR MSCI EAFE ETF 464287465 324,823 3,142 SH SOLE 0 0 3,142
APPLE INC COM 037833100 22,187,960 64,382 SH SOLE 0 0 64,382
ABBOTT LABORATORIES COM 002824100 370,106 3,485 SH SOLE 0 0 3,485
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 1,168,506 118,751 SH SOLE 0 0 118,751