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
ABBVIE INC COM 00287Y109 278 2,473 SH   SOLE   0 0 2,473
ADOBE SYSTEMS INCORPORATED COM 00724F101 279 477 SH   SOLE   0 0 477
ALPHABET INC CAP STK CL A 02079K305 757 310 SH   SOLE   0 0 310
ALPHABET INC CAP STK CL C 02079K107 807 322 SH   SOLE   0 0 322
AMAZON COM INC COM 023135106 1,810 526 SH   SOLE   0 0 526
APPLE INC COM 037833100 3,528 25,763 SH   SOLE   0 0 25,763
AT&T INC COM 00206R102 409 14,187 SH   SOLE   0 0 14,187
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 637 2,291 SH   SOLE   0 0 2,291
BK OF AMERICA CORP COM 060505104 679 16,467 SH   SOLE   0 0 16,467
BOEING CO COM 097023105 204 850 SH   SOLE   0 0 850
CISCO SYS INC COM 17275R102 293 5,523 SH   SOLE   0 0 5,523
CONFORMIS INC COM 20717E101 12 10,000 SH   SOLE   0 0 10,000
CROWDSTRIKE HLDGS INC CL A 22788C105 426 1,693 SH   SOLE   0 0 1,693
CSX CORP COM 126408103 654 20,382 SH   SOLE   0 0 20,382
DIGITALOCEAN HLDGS INC COM 25402D102 213 3,830 SH   SOLE   0 0 3,830
DISNEY WALT CO COM 254687106 413 2,349 SH   SOLE   0 0 2,349
EXXON MOBIL CORP COM 30231G102 656 10,413 SH   SOLE   0 0 10,413
FACEBOOK INC CL A 30303M102 1,022 2,940 SH   SOLE   0 0 2,940
HOME DEPOT INC COM 437076102 349 1,096 SH   SOLE   0 0 1,096
HUNTINGTON BANCSHARES INC COM 446150104 803 56,259 SH   SOLE   0 0 56,259
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 243 3,990 SH   SOLE   0 0 3,990
INVESCO EXCH TRADED FD TR II S&P INTL LOW 46138E230 233 7,525 SH   SOLE   0 0 7,525
ISHARES INC CORE MSCI EMKT 46434G103 799 11,927 SH   SOLE   0 0 11,927
ISHARES TR MSCI EAFE MIN VL 46429B689 456 6,030 SH   SOLE   0 0 6,030
ISHARES TR MSCI USA MIN VOL 46429B697 802 10,899 SH   SOLE   0 0 10,899
ISHARES TR JPMORGAN USD EMG 464288281 486 4,325 SH   SOLE   0 0 4,325
ISHARES TR SHRT NAT MUN ETF 464288158 1,625 15,075 SH   SOLE   0 0 15,075
ISHARES TR CORE MSCI EAFE 46432F842 2,183 29,165 SH   SOLE   0 0 29,165
ISHARES TR NATIONAL MUN ETF 464288414 3,862 32,956 SH   SOLE   0 0 32,956
JOHNSON & JOHNSON COM 478160104 836 5,074 SH   SOLE   0 0 5,074
JPMORGAN CHASE & CO COM 46625H100 1,592 10,235 SH   SOLE   0 0 10,235
LIFEMD INC COM 53216B104 142 12,040 SH   SOLE   0 0 12,040
MCDONALDS CORP COM 580135101 326 1,413 SH   SOLE   0 0 1,413
MICROSOFT CORP COM 594918104 2,651 9,787 SH   SOLE   0 0 9,787
NEXTERA ENERGY INC COM 65339F101 251 3,421 SH   SOLE   0 0 3,421
NORFOLK SOUTHN CORP COM 655844108 462 1,740 SH   SOLE   0 0 1,740
NVIDIA CORPORATION COM 67066G104 661 825 SH   SOLE   0 0 825
ORACLE CORP COM 68389X105 329 4,225 SH   SOLE   0 0 4,225
PAYPAL HLDGS INC COM 70450Y103 313 1,075 SH   SOLE   0 0 1,075
PEPSICO INC COM 713448108 542 3,659 SH   SOLE   0 0 3,659
PROCTER AND GAMBLE CO COM 742718109 2,048 15,179 SH   SOLE   0 0 15,179
PROSHARES TR ULTRAPRO QQQ 74347X831 224 1,832 SH   SOLE   0 0 1,832
ROKU INC COM CL A 77543R102 1,376 2,997 SH   SOLE   0 0 2,997
SALESFORCE COM INC COM 79466L302 340 1,392 SH   SOLE   0 0 1,392
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,132 10,885 SH   SOLE   0 0 10,885
SCHWAB STRATEGIC TR US REIT ETF 808524847 220 4,791 SH   SOLE   0 0 4,791
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,788 40,790 SH   SOLE   0 0 40,790
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,826 61,651 SH   SOLE   0 0 61,651
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,811 84,509 SH   SOLE   0 0 84,509
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,410 42,901 SH   SOLE   0 0 42,901
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,366 32,311 SH   SOLE   0 0 32,311
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,513 51,474 SH   SOLE   0 0 51,474
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,663 61,660 SH   SOLE   0 0 61,660
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 392 11,779 SH   SOLE   0 0 11,779
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 309 7,839 SH   SOLE   0 0 7,839
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 658 15,422 SH   SOLE   0 0 15,422
SHOPIFY INC CL A 82509L107 990 678 SH   SOLE   0 0 678
SORRENTO THERAPEUTICS INC COM NEW 83587F202 104 10,717 SH   SOLE   0 0 10,717
SOUTHWEST AIRLS CO COM 844741108 245 4,623 SH   SOLE   0 0 4,623
SPDR S&P 500 ETF TR TR UNIT 78462F103 582 1,362 SH   SOLE   0 0 1,362
SPDR SER TR S&P DIVID ETF 78464A763 261 2,130 SH   SOLE   0 0 2,130
SPDR SER TR S&P 600 SMCP VAL 78464A300 576 6,720 SH   SOLE   0 0 6,720
SPDR SER TR SPDR BLOOMBERG 78468R663 273 2,981 SH   SOLE   0 0 2,981
SPDR SER TR NUVEEN BBG BRCLY 78464A284 299 4,915 SH   SOLE   0 0 4,915
SPDR SER TR NUVEEN BLMBRG SR 78468R739 220 4,443 SH   SOLE   0 0 4,443
SPDR SER TR S&P 400 MDCP VAL 78464A839 424 6,289 SH   SOLE   0 0 6,289
TESLA INC COM 88160R101 614 904 SH   SOLE   0 0 904
THE TRADE DESK INC COM CL A 88339J105 1,731 22,382 SH   SOLE   0 0 22,382
UNITEDHEALTH GROUP INC COM 91324P102 381 951 SH   SOLE   0 0 951
US BANCORP DEL COM NEW 902973304 252 4,421 SH   SOLE   0 0 4,421
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 413 13,163 SH   SOLE   0 0 13,163
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,596 25,092 SH   SOLE   0 0 25,092
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,559 17,328 SH   SOLE   0 0 17,328
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 434 5,053 SH   SOLE   0 0 5,053
VANGUARD INDEX FDS SMALL CP ETF 922908751 921 4,090 SH   SOLE   0 0 4,090
VANGUARD INDEX FDS MID CAP ETF 922908629 822 3,465 SH   SOLE   0 0 3,465
VANGUARD INDEX FDS GROWTH ETF 922908736 6,941 24,200 SH   SOLE   0 0 24,200
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,438 19,794 SH   SOLE   0 0 19,794
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,367 33,082 SH   SOLE   0 0 33,082
VANGUARD INDEX FDS VALUE ETF 922908744 6,955 50,593 SH   SOLE   0 0 50,593
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,978 14,081 SH   SOLE   0 0 14,081
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,977 10,273 SH   SOLE   0 0 10,273
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,934 12,413 SH   SOLE   0 0 12,413
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,173 90,533 SH   SOLE   0 0 90,533
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,361 3,457 SH   SOLE   0 0 3,457
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 308 2,258 SH   SOLE   0 0 2,258
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,661 67,403 SH   SOLE   0 0 67,403
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 524 9,469 SH   SOLE   0 0 9,469
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,839 28,000 SH   SOLE   0 0 28,000
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,406 27,293 SH   SOLE   0 0 27,293
VANGUARD WORLD FD ESG US STK ETF 921910733 218 2,722 SH   SOLE   0 0 2,722
VERIZON COMMUNICATIONS INC COM 92343V104 352 6,285 SH   SOLE   0 0 6,285
VISA INC COM CL A 92826C839 422 1,801 SH   SOLE   0 0 1,801
WALMART INC COM 931142103 414 2,940 SH   SOLE   0 0 2,940
WENDYS CO COM 95058W100 237 10,120 SH   SOLE   0 0 10,120