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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 567 3,907 SH   SOLE   0 0 3,907
ABBOTT LABS COM 002824100 380 4,182 SH   SOLE   0 0 4,182
ABBVIE INC COM 00287Y109 315 3,851 SH   SOLE   0 0 3,851
AFLAC INC COM 001055102 282 7,888 SH   SOLE   0 0 7,888
AIR PRODS & CHEMS INC COM 009158106 412 1,925 SH   SOLE   0 0 1,925
ALPHABET INC CAP STK CL C 02079K107 425 337 SH   SOLE   0 0 337
AMAZON COM INC COM 023135106 404 175 SH   SOLE   0 0 175
ANALOG DEVICES INC COM 032654105 385 3,834 SH   SOLE   0 0 3,834
APPLE INC COM 037833100 1,379 4,848 SH   SOLE   0 0 4,848
AT&T INC COM 00206R102 333 11,076 SH   SOLE   0 0 11,076
AUTOMATIC DATA PROCESSING IN COM 053015103 429 3,115 SH   SOLE   0 0 3,115
BECTON DICKINSON & CO COM 075887109 413 1,637 SH   SOLE   0 0 1,637
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,324 7,022 SH   SOLE   0 0 7,022
BLACKROCK INC COM 09247X101 203 458 SH   SOLE   0 0 458
CHEVRON CORP NEW COM 166764100 268 3,248 SH   SOLE   0 0 3,248
CINCINNATI FINL CORP COM 172062101 795 9,590 SH   SOLE   0 0 9,590
CISCO SYS INC COM 17275R102 471 11,348 SH   SOLE   0 0 11,348
CLOROX CO DEL COM 189054109 379 1,935 SH   SOLE   0 0 1,935
COLGATE PALMOLIVE CO COM 194162103 208 2,864 SH   SOLE   0 0 2,864
CONSOLIDATED EDISON INC COM 209115104 348 4,000 SH   SOLE   0 0 4,000
DISNEY WALT CO COM DISNEY 254687106 222 2,145 SH   SOLE   0 0 2,145
DUKE ENERGY CORP NEW COM NEW 26441C204 242 2,762 SH   SOLE   0 0 2,762
EMERSON ELEC CO COM 291011104 274 5,710 SH   SOLE   0 0 5,710
EVERSOURCE ENERGY COM 30040W108 400 4,497 SH   SOLE   0 0 4,497
EXXON MOBIL CORP COM 30231G102 296 7,319 SH   SOLE   0 0 7,319
FACTSET RESH SYS INC COM 303075105 372 1,344 SH   SOLE   0 0 1,344
GENERAL DYNAMICS CORP COM 369550108 258 1,931 SH   SOLE   0 0 1,931
GENERAL MLS INC COM 370334104 203 3,434 SH   SOLE   0 0 3,434
GRAINGER W W INC COM 384802104 220 789 SH   SOLE   0 0 789
HOME DEPOT INC COM 437076102 413 2,079 SH   SOLE   0 0 2,079
ILLINOIS TOOL WKS INC COM 452308109 402 2,634 SH   SOLE   0 0 2,634
INTEL CORP COM 458140100 216 3,676 SH   SOLE   0 0 3,676
ISHARES TR IBOXX HI YD ETF 464288513 406 5,031 SH   SOLE   0 0 5,031
ISHARES TR INTRM TR CRP ETF 464288638 967 16,757 SH   SOLE   0 0 16,757
ISHARES TR SELECT DIVID ETF 464287168 400 5,154 SH   SOLE   0 0 5,154
JOHNSON & JOHNSON COM 478160104 891 6,036 SH   SOLE   0 0 6,036
JOHNSON CTLS INTL PLC SHS G51502105 257 8,821 SH   SOLE   0 0 8,821
JPMORGAN CHASE & CO COM 46625H100 543 5,978 SH   SOLE   0 0 5,978
KROGER CO COM 501044101 204 6,354 SH   SOLE   0 0 6,354
L3HARRIS TECHNOLOGIES INC COM 502431109 514 2,634 SH   SOLE   0 0 2,634
LILLY ELI & CO COM 532457108 1,077 7,121 SH   SOLE   0 0 7,121
LINDE PLC SHS G5494J103 276 1,525 SH   SOLE   0 0 1,525
LOWES COS INC COM 548661107 450 4,775 SH   SOLE   0 0 4,775
MCDONALDS CORP COM 580135101 561 3,154 SH   SOLE   0 0 3,154
MEDTRONIC PLC SHS G5960L103 289 2,973 SH   SOLE   0 0 2,973
MERCK & CO. INC COM 58933Y105 273 3,328 SH   SOLE   0 0 3,328
MICROSOFT CORP COM 594918104 4,787 27,850 SH   SOLE   0 0 27,850
NETFLIX INC COM 64110L106 832 1,950 SH   SOLE   0 0 1,950
NEXTERA ENERGY INC COM 65339F101 557 2,347 SH   SOLE   0 0 2,347
NORFOLK SOUTHERN CORP COM 655844108 422 2,746 SH   SOLE   0 0 2,746
NOVARTIS A G SPONSORED ADR 66987V109 273 3,189 SH   SOLE   0 0 3,189
ORACLE CORP COM 68389X105 213 4,000 SH   SOLE   0 0 4,000
PAYCHEX INC COM 704326107 415 6,400 SH   SOLE   0 0 6,400
PEPSICO INC COM 713448108 488 3,611 SH   SOLE   0 0 3,611
PFIZER INC COM 717081103 676 18,789 SH   SOLE   0 0 18,789
PHILIP MORRIS INTL INC COM 718172109 204 2,701 SH   SOLE   0 0 2,701
PROCTER & GAMBLE CO COM 742718109 951 7,848 SH   SOLE   0 0 7,848
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 874 40,749 SH   SOLE   0 0 40,749
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,069 78,734 SH   SOLE   0 0 78,734
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 545 21,641 SH   SOLE   0 0 21,641
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 380 7,346 SH   SOLE   0 0 7,346
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,829 50,844 SH   SOLE   0 0 50,844
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,220 25,308 SH   SOLE   0 0 25,308
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,088 61,907 SH   SOLE   0 0 61,907
SCHWAB STRATEGIC TR US REIT ETF 808524847 589 17,068 SH   SOLE   0 0 17,068
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,928 36,126 SH   SOLE   0 0 36,126
SCHWAB STRATEGIC TR US TIPS ETF 808524870 714 12,017 SH   SOLE   0 0 12,017
SIRIUS XM HLDGS INC COM 82968B103 53 10,072 SH   SOLE   0 0 10,072
STRYKER CORP COM 863667101 309 1,791 SH   SOLE   0 0 1,791
SYSCO CORP COM 871829107 245 5,325 SH   SOLE   0 0 5,325
TARGET CORP COM 87612E106 325 3,056 SH   SOLE   0 0 3,056
TJX COS INC NEW COM 872540109 211 4,360 SH   SOLE   0 0 4,360
V F CORP COM 918204108 200 3,577 SH   SOLE   0 0 3,577
VANGUARD INDEX FDS GROWTH ETF 922908736 6,397 37,344 SH   SOLE   0 0 37,344
VANGUARD INDEX FDS LARGE CAP ETF 922908637 8,207 64,195 SH   SOLE   0 0 64,195
VANGUARD INDEX FDS MID CAP ETF 922908629 831 5,863 SH   SOLE   0 0 5,863
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,087 68,161 SH   SOLE   0 0 68,161
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,481 53,782 SH   SOLE   0 0 53,782
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,988 21,565 SH   SOLE   0 0 21,565
VANGUARD INDEX FDS VALUE ETF 922908744 2,429 25,564 SH   SOLE   0 0 25,564
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,378 39,517 SH   SOLE   0 0 39,517
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 244 2,682 SH   SOLE   0 0 2,682
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 445 5,485 SH   SOLE   0 0 5,485
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,287 11,639 SH   SOLE   0 0 11,639
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,000 147,151 SH   SOLE   0 0 147,151
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 4,007 56,118 SH   SOLE   0 0 56,118
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 216 2,865 SH   SOLE   0 0 2,865
VERIZON COMMUNICATIONS INC COM 92343V104 412 7,243 SH   SOLE   0 0 7,243
WALMART INC COM 931142103 893 6,935 SH   SOLE   0 0 6,935
WEC ENERGY GROUP INC COM 92939U106 351 3,625 SH   SOLE   0 0 3,625