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 211 1,281 SH   SOLE   0 0 1,281
INTEL CORP COM 458140100 346 6,716 SH   SOLE   2,985 0 3,731
SYSCO CORP COM 871829107 1,596 20,095 SH   SOLE   836 0 19,259
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 8,548 183,899 SH   SOLE   7,713 0 176,186
MCDONALDS CORP COM 580135101 4,010 18,676 SH   SOLE   880 0 17,796
ENBRIDGE INC COM 29250N105 1,517 43,241 SH   SOLE   239 0 43,002
STARBUCKS CORP COM 855244109 3,975 44,961 SH   SOLE   1,508 0 43,453
WASTE MGMT INC DEL COM 94106L109 3,189 27,729 SH   SOLE   782 0 26,947
MICROSOFT CORP COM 594918104 13,509 97,164 SH   SOLE   3,299 0 93,865
ANALOG DEVICES INC COM 032654105 5,503 49,256 SH   SOLE   1,477 0 47,779
EXXON MOBIL CORP COM 30231G102 3,422 48,460 SH   SOLE   1,948 0 46,512
LILLY ELI & CO COM 532457108 1,187 10,613 SH   SOLE   80 0 10,533
MFS MULTIMARKET INCOME TR SH BEN INT 552737108 79 13,420 SH   SOLE   0 0 13,420
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 286 5,222 SH   SOLE   128 0 5,094
CISCO SYS INC COM 17275R102 2,007 40,620 SH   SOLE   3,581 0 37,039
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 769 15,210 SH   SOLE   2,700 0 12,510
ALPHABET INC CAP STK CL C 02079K107 9,335 7,658 SH   SOLE   281 0 7,377
PROGRESSIVE CORP OHIO COM 743315103 1,314 17,005 SH   SOLE   335 0 16,670
NORTHROP GRUMMAN CORP COM 666807102 423 1,129 SH   SOLE   0 0 1,129
PARKER HANNIFIN CORP COM 701094104 355 1,963 SH   SOLE   0 0 1,963
VANGUARD INDEX FDS TOTAL STK MKT 922908769 7,209 47,742 SH   SOLE   125 0 47,617
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,234 30,663 SH   SOLE   3,487 0 27,176
HOME DEPOT INC COM 437076102 7,086 30,542 SH   SOLE   686 0 29,856
ISHARES TR USA QUALITY FCTR 46432F339 4,260 46,109 SH   SOLE   1,615 0 44,494
NOVARTIS A G SPONSORED ADR 66987V109 203 2,339 SH   SOLE   100 0 2,239
BROADCOM INC COM 11135F101 5,697 20,636 SH   SOLE   464 0 20,172
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 5,735 64,633 SH   SOLE   495 0 64,138
CATERPILLAR INC DEL COM 149123101 224 1,771 SH   SOLE   0 0 1,771
ISHARES TR CORE S&P500 ETF 464287200 628 2,105 SH   SOLE   0 0 2,105
ALIGN TECHNOLOGY INC COM 016255101 763 4,217 SH   SOLE   260 0 3,957
MEDTRONIC PLC SHS G5960L103 1,413 13,009 SH   SOLE   231 0 12,778
UNITED TECHNOLOGIES CORP COM 913017109 737 5,401 SH   SOLE   1,100 0 4,301
BLACKROCK INC COM 09247X101 7,505 16,840 SH   SOLE   813 0 16,027
KIMBERLY CLARK CORP COM 494368103 1,640 11,547 SH   SOLE   370 0 11,177
CARNIVAL CORP UNIT 99/99/9999 143658300 865 19,795 SH   SOLE   166 0 19,629
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,482 8,860 SH   SOLE   345 0 8,515
HONEYWELL INTL INC COM 438516106 6,192 36,593 SH   SOLE   2,088 0 34,505
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,244 269,623 SH   SOLE   11,161 0 258,462
DELTA AIR LINES INC DEL COM NEW 247361702 4,490 77,960 SH   SOLE   2,487 0 75,473
STRYKER CORP COM 863667101 7,977 36,879 SH   SOLE   1,352 0 35,527
DISNEY WALT CO COM DISNEY 254687106 7,882 60,485 SH   SOLE   3,076 0 57,409
PAYPAL HLDGS INC COM 70450Y103 5,300 51,162 SH   SOLE   1,614 0 49,548
TJX COS INC NEW COM 872540109 515 9,242 SH   SOLE   680 0 8,562
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,200 366,100 SH   SOLE   13,667 0 352,433
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 4,652 83,726 SH   SOLE   6,898 0 76,828
WISDOMTREE TR US SMALLCAP DIVD 97717W604 214 7,827 SH   SOLE   0 0 7,827
US BANCORP DEL COM NEW 902973304 2,342 42,315 SH   SOLE   1,370 0 40,945
NIKE INC CL B 654106103 1,566 16,673 SH   SOLE   675 0 15,998
CHEVRON CORP NEW COM 166764100 259 2,183 SH   SOLE   473 0 1,710
TOTAL S A SPONSORED ADS 89151E109 2,906 55,883 SH   SOLE   0 0 55,883
METLIFE INC COM 59156R108 1,167 24,752 SH   SOLE   179 0 24,573
T MOBILE US INC COM 872590104 1,631 20,703 SH   SOLE   1,235 0 19,468
MERCK & CO INC COM 58933Y105 4,943 58,720 SH   SOLE   2,332 0 56,388
ISHARES TR CORE S&P SCP ETF 464287804 5,073 65,171 SH   SOLE   1,430 0 63,741
AMGEN INC COM 031162100 228 1,180 SH   SOLE   1,000 0 180
L3HARRIS TECHNOLOGIES INC COM 502431109 961 4,606 SH   SOLE   347 0 4,259
HUNT J B TRANS SVCS INC COM 445658107 1,025 9,265 SH   SOLE   0 0 9,265
AMAZON COM INC COM 023135106 6,329 3,646 SH   SOLE   0 0 3,646
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 978 19,970 SH   SOLE   0 0 19,970
JPMORGAN CHASE & CO COM 46625H100 9,843 83,632 SH   SOLE   3,963 0 79,669
PRUDENTIAL FINL INC COM 744320102 1,135 12,622 SH   SOLE   375 0 12,247
RAYMOND JAMES FINANCIAL INC COM 754730109 1,607 19,492 SH   SOLE   635 0 18,857
TORONTO DOMINION BK ONT COM NEW 891160509 1,616 27,738 SH   SOLE   492 0 27,246
KROGER CO COM 501044101 216 8,393 SH   SOLE   0 0 8,393
UNITEDHEALTH GROUP INC COM 91324P102 6,228 28,658 SH   SOLE   1,144 0 27,514
AMERIPRISE FINL INC COM 03076C106 1,490 10,130 SH   SOLE   60 0 10,070
TRAVELERS COMPANIES INC COM 89417E109 831 5,587 SH   SOLE   0 0 5,587
BOEING CO COM 097023105 7,629 20,051 SH   SOLE   760 0 19,291
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 45,770 564,718 SH   SOLE   18,904 0 545,814
SALESFORCE COM INC COM 79466L302 6,376 42,952 SH   SOLE   2,149 0 40,803
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 815 4,236 SH   SOLE   35 0 4,201
COLGATE PALMOLIVE CO COM 194162103 2,337 31,793 SH   SOLE   6,907 0 24,886
COCA COLA CO COM 191216100 2,082 38,237 SH   SOLE   347 0 37,890
MASCO CORP COM 574599106 1,438 34,491 SH   SOLE   0 0 34,491
PAYCHEX INC COM 704326107 1,401 16,924 SH   SOLE   131 0 16,793
VISA INC COM CL A 92826C839 8,985 52,236 SH   SOLE   1,460 0 50,776
TEXAS INSTRS INC COM 882508104 239 1,848 SH   SOLE   0 0 1,848
TC ENERGY CORP COM 87807B107 1,969 38,012 SH   SOLE   2,480 0 35,532
CITIGROUP INC COM NEW 172967424 1,610 23,300 SH   SOLE   495 0 22,805
EATON CORP PLC SHS G29183103 1,139 13,702 SH   SOLE   119 0 13,583
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 8,252 118,349 SH   SOLE   4,537 0 113,812
PPL CORP COM 69351T106 1,096 34,798 SH   SOLE   259 0 34,539
CELGENE CORP COM 151020104 1,712 17,245 SH   SOLE   633 0 16,612
BECTON DICKINSON & CO COM 075887109 1,921 7,595 SH   SOLE   325 0 7,270
PFIZER INC COM 717081103 2,123 59,101 SH   SOLE   333 0 58,768
INFOSYS LTD SPONSORED ADR 456788108 1,093 96,155 SH   SOLE   897 0 95,258
MARATHON PETE CORP COM 56585A102 531 8,736 SH   SOLE   300 0 8,436
PNC FINL SVCS GROUP INC COM 693475105 278 1,982 SH   SOLE   502 0 1,480
NETAPP INC COM 64110D104 1,658 31,584 SH   SOLE   1,085 0 30,499
INVESCO ACTIVELY MANAGD ETF ULTRA SHRT DUR 46090A887 32,100 636,780 SH   SOLE   16,422 0 620,358
PHILLIPS 66 COM 718546104 4,732 46,208 SH   SOLE   1,648 0 44,560
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 36,513 1,146,052 SH   SOLE   39,093 0 1,106,959
ASTRAZENECA PLC SPONSORED ADR 046353108 6,400 143,585 SH   SOLE   3,431 0 140,154
PROCTER & GAMBLE CO COM 742718109 1,971 15,844 SH   SOLE   900 0 14,944
DARDEN RESTAURANTS INC COM 237194105 1,510 12,769 SH   SOLE   86 0 12,683
JOHNSON & JOHNSON COM 478160104 3,648 28,196 SH   SOLE   1,854 0 26,342
ROPER TECHNOLOGIES INC COM 776696106 231 649 SH   SOLE   20 0 629
UNITED PARCEL SERVICE INC CL B 911312106 1,541 12,863 SH   SOLE   159 0 12,704
DOLLAR GEN CORP NEW COM 256677105 7,515 47,284 SH   SOLE   1,365 0 45,919
PEPSICO INC COM 713448108 4,154 30,296 SH   SOLE   2,340 0 27,956
PEOPLES BANCORP INC COM 709789101 247 7,773 SH   SOLE   0 0 7,773
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 4,545 91,077 SH   SOLE   2,500 0 88,577
AES CORP COM 00130H105 342 20,920 SH   SOLE   150 0 20,770
RAYTHEON CO COM NEW 755111507 210 1,072 SH   SOLE   0 0 1,072
AMERICAN TOWER CORP NEW COM 03027X100 597 2,700 SH   SOLE   0 0 2,700
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 16,104 226,751 SH   SOLE   8,849 0 217,902
LAUDER ESTEE COS INC CL A 518439104 2,376 11,945 SH   SOLE   535 0 11,410
FACEBOOK INC CL A 30303M102 6,624 37,197 SH   SOLE   1,248 0 35,949
DNP SELECT INCOME FD COM 23325P104 141 10,944 SH   SOLE   0 0 10,944
DIGITAL RLTY TR INC COM 253868103 4,948 38,121 SH   SOLE   1,368 0 36,753
DBX ETF TR XTRACK MSCI EAFE 233051200 972 30,045 SH   SOLE   0 0 30,045
NEXTERA ENERGY INC COM 65339F101 3,877 16,641 SH   SOLE   905 0 15,736
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 12,234 396,562 SH   SOLE   6,021 0 390,541
APPLIED MATLS INC COM 038222105 3,525 70,648 SH   SOLE   5,945 0 64,703
NVIDIA CORP COM 67066G104 343 1,970 SH   SOLE   0 0 1,970
ABBOTT LABS COM 002824100 6,097 72,871 SH   SOLE   2,951 0 69,920
DOMINOS PIZZA INC COM 25754A201 481 1,965 SH   SOLE   180 0 1,785
GENERAL ELECTRIC CO COM 369604103 190 21,286 SH   SOLE   0 0 21,286
REGENERON PHARMACEUTICALS COM 75886F107 872 3,142 SH   SOLE   135 0 3,007
LOCKHEED MARTIN CORP COM 539830109 949 2,433 SH   SOLE   0 0 2,433
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 3,141 28,995 SH   SOLE   1,012 0 27,983
APPLE INC COM 037833100 15,014 67,037 SH   SOLE   2,242 0 64,795
KEYCORP NEW COM 493267108 1,174 65,819 SH   SOLE   567 0 65,252
LOWES COS INC COM 548661107 418 3,800 SH   SOLE   2,300 0 1,500
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,794 56,965 SH   SOLE   325 0 56,640
ISHARES TR CORE S&P MCP ETF 464287507 2,446 12,659 SH   SOLE   405 0 12,254
ISHARES US ETF TR SHT MAT BD ETF 46431W507 19,073 378,885 SH   SOLE   22,915 0 355,970
FEDEX CORP COM 31428X106 1,080 7,422 SH   SOLE   70 0 7,352
AT&T INC COM 00206R102 4,309 113,862 SH   SOLE   3,217 0 110,645
ISHARES TR MSCI EAFE ETF 464287465 392 6,011 SH   SOLE   0 0 6,011