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
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,759 41,913 SH   SOLE 0 0 0 41,913
LINDE PLC SHS G5494J103 287 1,658 SH   SOLE 0 0 0 1,658
MCDONALDS CORP COM 580135101 977 5,909 SH   SOLE 0 0 0 5,909
MONDELEZ INTL INC CL A 609207105 317 6,323 SH   SOLE 0 0 0 6,323
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 298 9,629 SH   SOLE 0 0 0 9,629
ISHARES TR S&P 500 VAL ETF 464287408 467 4,854 SH   SOLE 0 0 0 4,854
GOLDMAN SACHS GROUP INC COM 38141G104 587 3,797 SH   SOLE 0 0 0 3,797
3M CO COM 88579Y101 378 2,766 SH   SOLE 0 0 0 2,766
INTEL CORP COM 458140100 1,470 27,157 SH   SOLE 0 0 0 27,157
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,733 49,138 SH   SOLE 0 0 0 49,138
STARBUCKS CORP COM 855244109 601 9,139 SH   SOLE 0 0 0 9,139
ISHARES TR RUS MDCP VAL ETF 464287473 22,107 344,944 SH   SOLE 0 0 0 344,944
ISHARES TR US TREAS BD ETF 46429B267 656 23,408 SH   SOLE 0 0 0 23,408
LILLY ELI & CO COM 532457108 8,274 59,648 SH   SOLE 0 0 0 59,648
EXXON MOBIL CORP COM 30231G102 565 14,890 SH   SOLE 0 0 0 14,890
ISHARES TR RUS MD CP GR ETF 464287481 1,700 13,984 SH   SOLE 0 0 0 13,984
BRISTOL-MYERS SQUIBB CO COM 110122108 576 10,339 SH   SOLE 0 0 0 10,339
ALPHABET INC CAP STK CL C 02079K107 557 479 SH   SOLE 0 0 0 479
MARSH & MCLENNAN COS INC COM 571748102 216 2,502 SH   SOLE 0 0 0 2,502
ISHARES TR CORE S&P US GWT 464287671 5,654 99,043 SH   SOLE 0 0 0 99,043
MICROSOFT CORP COM 594918104 4,526 28,698 SH   SOLE 0 0 0 28,698
BLACKSTONE GROUP INC COM CL A 09260D107 507 11,133 SH   SOLE 0 0 0 11,133
NUVEEN MUN VALUE FD INC COM 670928100 156 16,000 SH   SOLE 0 0 0 16,000
ANALOG DEVICES INC COM 032654105 581 6,485 SH   SOLE 0 0 0 6,485
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,567 30,286 SH   SOLE 0 0 0 30,286
CISCO SYS INC COM 17275R102 881 22,416 SH   SOLE 0 0 0 22,416
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 770 9,579 SH   SOLE 0 0 0 9,579
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 842 25,109 SH   SOLE 0 0 0 25,109
ISHARES TR USA QUALITY FCTR 46432F339 2,962 36,553 SH   SOLE 0 0 0 36,553
VANGUARD INDEX FDS TOTAL STK MKT 922908769 586 4,549 SH   SOLE 0 0 0 4,549
SPDR SER TR S&P 600 SMCP GRW 78464A201 357 7,725 SH   SOLE 0 0 0 7,725
ISHARES TR CORE MSCI TOTAL 46432F834 6,081 129,353 SH   SOLE 0 0 0 129,353
MEDTRONIC PLC SHS G5960L103 1,082 11,994 SH   SOLE 0 0 0 11,994
HOME DEPOT INC COM 437076102 907 4,857 SH   SOLE 0 0 0 4,857
CATERPILLAR INC DEL COM 149123101 515 4,437 SH   SOLE 0 0 0 4,437
ISHARES TR CORE S&P500 ETF 464287200 8,044 31,128 SH   SOLE 0 0 0 31,128
BERKSHIRE HATHAWAY INC DEL CL A 084670108 272 1 SH   SOLE 0 0 0 1
ISHARES GOLD TRUST ISHARES 464285105 151 10,000 SH   SOLE 0 0 0 10,000
BLACKROCK INC COM 09247X101 702 1,595 SH   SOLE 0 0 0 1,595
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,434 36,863 SH   SOLE 0 0 0 36,863
BP PLC SPONSORED ADR 055622104 202 8,272 SH   SOLE 0 0 0 8,272
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,603 8,765 SH   SOLE 0 0 0 8,765
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 222 1,144 SH   SOLE 0 0 0 1,144
HONEYWELL INTL INC COM 438516106 671 5,015 SH   SOLE 0 0 0 5,015
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 248 5,871 SH   SOLE 0 0 0 5,871
UNITED TECHNOLOGIES CORP COM 913017109 765 8,110 SH   SOLE 0 0 0 8,110
CLEAN HARBORS INC COM 184496107 2,763 53,823 SH   SOLE 0 0 0 53,823
WALMART INC COM 931142103 651 5,727 SH   SOLE 0 0 0 5,727
ISHARES TR CORE S&P TTL STK 464287150 2,228 38,952 SH   SOLE 0 0 0 38,952
ISHARES TR CORE DIV GRWTH 46434V621 3,913 120,070 SH   SOLE 0 0 0 120,070
DISNEY WALT CO COM DISNEY 254687106 771 7,978 SH   SOLE 0 0 0 7,978
TJX COS INC NEW COM 872540109 555 11,610 SH   SOLE 0 0 0 11,610
ISHARES TR MULTIFACTOR USA 46434V282 1,634 61,777 SH   SOLE 0 0 0 61,777
ISHARES TR CORE US AGGBD ET 464287226 647 5,610 SH   SOLE 0 0 0 5,610
NIKE INC CL B 654106103 551 6,664 SH   SOLE 0 0 0 6,664
CHEVRON CORP NEW COM 166764100 705 9,728 SH   SOLE 0 0 0 9,728
ISHARES TR CORE TOTAL USD 46434V613 2,589 49,316 SH   SOLE 0 0 0 49,316
VERIZON COMMUNICATIONS INC COM 92343V104 1,721 32,025 SH   SOLE 0 0 0 32,025
MICROCHIP TECHNOLOGY INC COM 595017104 227 3,348 SH   SOLE 0 0 0 3,348
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 242 16,188 SH   SOLE 0 0 0 16,188
ISHARES TR CORE S&P SCP ETF 464287804 4,089 72,874 SH   SOLE 0 0 0 72,874
AMGEN INC COM 031162100 732 3,609 SH   SOLE 0 0 0 3,609
CHUBB LIMITED COM H1467J104 273 2,446 SH   SOLE 0 0 0 2,446
AMERICAN EXPRESS CO COM 025816109 217 2,539 SH   SOLE 0 0 0 2,539
AMAZON COM INC COM 023135106 2,319 1,189 SH   SOLE 0 0 0 1,189
DOW INC COM 260557103 339 11,601 SH   SOLE 0 0 0 11,601
JPMORGAN CHASE & CO COM 46625H100 1,298 14,421 SH   SOLE 0 0 0 14,421
UNITEDHEALTH GROUP INC COM 91324P102 1,112 4,458 SH   SOLE 0 0 0 4,458
ISHARES TR CORE 1 5 YR USD 46432F859 9,341 184,961 SH   SOLE 0 0 0 184,961
COSTCO WHSL CORP NEW COM 22160K105 607 2,128 SH   SOLE 0 0 0 2,128
BOEING CO COM 097023105 451 3,023 SH   SOLE 0 0 0 3,023
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 646 6,991 SH   SOLE 0 0 0 6,991
MERCK & CO. INC COM 58933Y105 922 11,987 SH   SOLE 0 0 0 11,987
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,169 7,159 SH   SOLE 0 0 0 7,159
ILLINOIS TOOL WKS INC COM 452308109 377 2,655 SH   SOLE 0 0 0 2,655
CUMMINS INC COM 231021106 408 3,018 SH   SOLE 0 0 0 3,018
ISHARES TR S&P MC 400GR ETF 464287606 666 3,731 SH   SOLE 0 0 0 3,731
ISHARES TR EDGE MSCI USA VL 46432F388 589 9,354 SH   SOLE 0 0 0 9,354
PENUMBRA INC COM 70975L107 2,178 13,500 SH   SOLE 0 0 0 13,500
TRAVELERS COMPANIES INC COM 89417E109 226 2,278 SH   SOLE 0 0 0 2,278
WISDOMTREE TR FLOATNG RAT TREA 97717X628 484 19,261 SH   SOLE 0 0 0 19,261
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 445 22,550 SH   SOLE 0 0 0 22,550
COLGATE PALMOLIVE CO COM 194162103 208 3,132 SH   SOLE 0 0 0 3,132
ISHARES TR EDGE MSCI MINM 46435G433 478 18,481 SH   SOLE 0 0 0 18,481
COCA COLA CO COM 191216100 1,002 22,642 SH   SOLE 0 0 0 22,642
ISHARES TR RUS MID CAP ETF 464287499 555 12,864 SH   SOLE 0 0 0 12,864
SMILEDIRECTCLUB INC CL A COM 83192H106 145 31,139 SH   SOLE 0 0 0 31,139
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 7,615 75,565 SH   SOLE 0 0 0 75,565
ISHARES TR S&P MC 400VL ETF 464287705 928 8,453 SH   SOLE 0 0 0 8,453
VISA INC COM CL A 92826C839 750 4,655 SH   SOLE 0 0 0 4,655
VANGUARD INDEX FDS GROWTH ETF 922908736 678 4,330 SH   SOLE 0 0 0 4,330
ISHARES TR USA MOMENTUM FCT 46432F396 503 4,720 SH   SOLE 0 0 0 4,720
ORACLE CORP COM 68389X105 346 7,166 SH   SOLE 0 0 0 7,166
TEXAS INSTRS INC COM 882508104 906 9,066 SH   SOLE 0 0 0 9,066
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,007 9,738 SH   SOLE 0 0 0 9,738
HERITAGE CRYSTAL CLEAN INC COM 42726M106 1,630 100,378 SH   SOLE 0 0 0 100,378
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 592 7,050 SH   SOLE 0 0 0 7,050
VANGUARD INDEX FDS VALUE ETF 922908744 307 3,447 SH   SOLE 0 0 0 3,447
PFIZER INC COM 717081103 592 18,124 SH   SOLE 0 0 0 18,124
PNC FINL SVCS GROUP INC COM 693475105 218 2,274 SH   SOLE 0 0 0 2,274
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 437 8,491 SH   SOLE 0 0 0 8,491
BECTON DICKINSON & CO COM 075887109 556 2,419 SH   SOLE 0 0 0 2,419
ISHARES TR CORE S&P US VLU 464287663 6,917 149,786 SH   SOLE 0 0 0 149,786
SPDR SER TR NUVEEN BLMBRG SR 78468R739 307 6,281 SH   SOLE 0 0 0 6,281
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 778 6,137 SH   SOLE 0 0 0 6,137
ISHARES TR SP SMCP600VL ETF 464287879 284 2,841 SH   SOLE 0 0 0 2,841
ABBVIE INC COM 00287Y109 1,242 16,300 SH   SOLE 0 0 0 16,300
SPDR SER TR S&P 600 SMCP VAL 78464A300 867 21,226 SH   SOLE 0 0 0 21,226
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 826 15,608 SH   SOLE 0 0 0 15,608
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 370 14,313 SH   SOLE 0 0 0 14,313
FIRST MERCHANTS CORP COM 320817109 395 14,900 SH   SOLE 0 0 0 14,900
ISHARES TR SHRT NAT MUN ETF 464288158 11,993 112,818 SH   SOLE 0 0 0 112,818
PROCTER & GAMBLE CO COM 742718109 1,010 9,182 SH   SOLE 0 0 0 9,182
ISHARES INC CORE MSCI EMKT 46434G103 346 8,550 SH   SOLE 0 0 0 8,550
JOHNSON & JOHNSON COM 478160104 1,741 13,277 SH   SOLE 0 0 0 13,277
SPDR SER TR S&P 400 MDCP GRW 78464A821 537 12,541 SH   SOLE 0 0 0 12,541
DOLLAR GEN CORP NEW COM 256677105 1,149 7,607 SH   SOLE 0 0 0 7,607
PEPSICO INC COM 713448108 1,577 13,134 SH   SOLE 0 0 0 13,134
SPDR GOLD TRUST GOLD SHS 78463V107 426 2,879 SH   SOLE 0 0 0 2,879
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 862 21,008 SH   SOLE 0 0 0 21,008
ANTHEM INC COM 036752103 224 988 SH   SOLE 0 0 0 988
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 948 20,195 SH   SOLE 0 0 0 20,195
VANGUARD INDEX FDS MID CAP ETF 922908629 655 4,977 SH   SOLE 0 0 0 4,977
UNITED PARCEL SERVICE INC CL B 911312106 336 3,600 SH   SOLE 0 0 0 3,600
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 879 11,032 SH   SOLE 0 0 0 11,032
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,058 67,287 SH   SOLE 0 0 0 67,287
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 431 7,125 SH   SOLE 0 0 0 7,125
HILL ROM HLDGS INC COM 431475102 277 2,749 SH   SOLE 0 0 0 2,749
ISHARES TR RUS 2000 VAL ETF 464287630 3,032 36,968 SH   SOLE 0 0 0 36,968
THERMO FISHER SCIENTIFIC INC COM 883556102 254 896 SH   SOLE 0 0 0 896
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 230 2,341 SH   SOLE 0 0 0 2,341
FACEBOOK INC CL A 30303M102 221 1,325 SH   SOLE 0 0 0 1,325
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,581 25,810 SH   SOLE 0 0 0 25,810
AMERICAN TOWER CORP NEW COM 03027X100 477 2,189 SH   SOLE 0 0 0 2,189
SPDR SER TR PORTFOLIO S&P500 78464A854 1,392 46,019 SH   SOLE 0 0 0 46,019
ISHARES TR MSCI MIN VOL ETF 46429B697 4,138 76,607 SH   SOLE 0 0 0 76,607
AUTOMATIC DATA PROCESSING IN COM 053015103 304 2,228 SH   SOLE 0 0 0 2,228
INTUITIVE SURGICAL INC COM NEW 46120E602 282 570 SH   SOLE 0 0 0 570
CVS HEALTH CORP COM 126650100 295 4,964 SH   SOLE 0 0 0 4,964
ALPHABET INC CAP STK CL A 02079K305 957 824 SH   SOLE 0 0 0 824
ABBOTT LABS COM 002824100 1,788 22,662 SH   SOLE 0 0 0 22,662
MASTERCARD INC CL A 57636Q104 807 3,343 SH   SOLE 0 0 0 3,343
ISHARES TR NATIONAL MUN ETF 464288414 2,302 20,371 SH   SOLE 0 0 0 20,371
COMCAST CORP NEW CL A 20030N101 900 26,175 SH   SOLE 0 0 0 26,175
ISHARES TR INTRM GOV CR ETF 464288612 2,870 25,016 SH   SOLE 0 0 0 25,016
NEXTERA ENERGY INC COM 65339F101 354 1,472 SH   SOLE 0 0 0 1,472
ADOBE INC COM 00724F101 278 874 SH   SOLE 0 0 0 874
CALUMET SPECIALTY PRODS PTNR UT LTD PARTNER 131476103 213 202,591 SH   SOLE 0 0 0 202,591
SELECT SECTOR SPDR TR ENERGY 81369Y506 296 10,180 SH   SOLE 0 0 0 10,180
BK OF AMERICA CORP COM 060505104 933 43,934 SH   SOLE 0 0 0 43,934
DANAHER CORPORATION COM 235851102 331 2,391 SH   SOLE 0 0 0 2,391
GENERAL ELECTRIC CO COM 369604103 591 74,483 SH   SOLE 0 0 0 74,483
ISHARES TR S&P 500 GRWT ETF 464287309 447 2,711 SH   SOLE 0 0 0 2,711
SPDR SER TR S&P1500MOMTILT 78468R705 204 1,832 SH   SOLE 0 0 0 1,832
QUALCOMM INC COM 747525103 734 10,847 SH   SOLE 0 0 0 10,847
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,957 11,473 SH   SOLE 0 0 0 11,473
WELLS FARGO CO NEW COM 949746101 440 15,326 SH   SOLE 0 0 0 15,326
LOCKHEED MARTIN CORP COM 539830109 346 1,019 SH   SOLE 0 0 0 1,019
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 553 11,133 SH   SOLE 0 0 0 11,133
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 287 9,581 SH   SOLE 0 0 0 9,581
PROSHARES TR PSHS ULT S&P 500 74347R107 460 5,169 SH   SOLE 0 0 0 5,169
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 5,835 120,325 SH   SOLE 0 0 0 120,325
ISHARES TR MRNGSTR LG-CP GR 464287119 207 1,115 SH   SOLE 0 0 0 1,115
UNION PAC CORP COM 907818108 1,238 8,780 SH   SOLE 0 0 0 8,780
LOWES COS INC COM 548661107 368 4,277 SH   SOLE 0 0 0 4,277
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,576 15,102 SH   SOLE 0 0 0 15,102
ISHARES TR CORE MSCI EAFE 46432F842 3,918 78,540 SH   SOLE 0 0 0 78,540
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,611 19,601 SH   SOLE 0 0 0 19,601
ISHARES TR MSCI EAFE ETF 464287465 1,288 24,090 SH   SOLE 0 0 0 24,090
AT&T INC COM 00206R102 1,572 53,924 SH   SOLE 0 0 0 53,924
APPLE INC COM 037833100 4,786 18,820 SH   SOLE 0 0 0 18,820
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 473 5,818 SH   SOLE 0 0 0 5,818
SPDR SER TR PORTFOLIO AGRGTE 78464A649 283 9,361 SH   SOLE 0 0 0 9,361
ISHARES TR CORE S&P MCP ETF 464287507 1,127 7,833 SH   SOLE 0 0 0 7,833
INTERNATIONAL BUSINESS MACHS COM 459200101 622 5,603 SH   SOLE 0 0 0 5,603
ISHARES TR MSCI ACWI EX US 464288240 253 6,715 SH   SOLE 0 0 0 6,715