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
PFIZER INC COM 717081103 0 200 SH Call SOLE   0 0 200
PFIZER INC COM 717081103 240 6,350 SH   SOLE   0 0 6,350
SPDR SER TR BLMBRG BRC CNVRT 78464A359 9,194 107,166 SH   SOLE   0 0 107,166
ISHARES TR SHRT NAT MUN ETF 464288158 214 1,977 SH   SOLE   0 0 1,977
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 16,316 124,387 SH   SOLE   0 0 124,387
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,031 63,966 SH   SOLE   0 0 63,966
GENERAL ELECTRIC CO COM 369604103 116 10,124 SH   SOLE   0 0 10,124
ISHARES TR NATIONAL MUN ETF 464288414 4,744 40,616 SH   SOLE   0 0 40,616
DRAFTKINGS INC COM CL A 26142R104 311 5,809 SH   SOLE   0 0 5,809
DISNEY WALT CO COM 254687106 458 2,558 SH   SOLE   0 0 2,558
SPDR S&P 500 ETF TR TR UNIT 78462F103 589 1,557 SH   SOLE   0 0 1,557
CHOICE HOTELS INTL INC COM 169905106 279 2,618 SH   SOLE   0 0 2,618
AON PLC SHS CL A G0403H108 580 2,867 SH   SOLE   0 0 2,867
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 1,408 18,370 SH   SOLE   0 0 18,370
BK OF AMERICA CORP COM 060505104 271 8,199 SH   SOLE   0 0 8,199
ANNALY CAPITAL MANAGEMENT IN COM 035710409 342 41,750 SH   SOLE   0 0 41,750
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 898 3,620 SH   SOLE   0 0 3,620
AMERICAN EXPRESS CO COM 025816109 844 6,970 SH   SOLE   0 0 6,970
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324 254 1,582 SH   SOLE   0 0 1,582
INDEXIQ ETF TR IQ MRGR ARB ETF 45409B800 600 17,813 SH   SOLE   0 0 17,813
STATE STR CORP COM 857477103 490 6,265 SH   SOLE   0 0 6,265
FS KKR CAP CORP II COM 35952V303 487 28,905 SH   SOLE   0 0 28,905
NEXTERA ENERGY INC COM 65339F101 308 3,866 SH   SOLE   0 0 3,866
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,726 280,486 SH   SOLE   0 0 280,486
AT&T INC COM 00206R102 576 19,949 SH   SOLE   0 0 19,949
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 456 1,470 SH   SOLE   0 0 1,470
LOWES COS INC COM 548661107 221 1,327 SH   SOLE   0 0 1,327
AMPLIFY ETF TR CWP ENHANCED DIV 032108409 329 9,822 SH   SOLE   0 0 9,822
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 19,697 671,557 SH   SOLE   0 0 671,557
APPLE INC COM 037833100 4,862 37,698 SH   SOLE   0 0 37,698
DISNEY WALT CO COM 254687106 11 200 SH Call SOLE   0 0 200
INVESCO EXCH TRADED FD TR II EMRNG MKT SVRG 46138E784 442 15,630 SH   SOLE   0 0 15,630
AMAZON COM INC COM 023135106 1,302 418 SH   SOLE   0 0 418
MERCK & CO. INC COM 58933Y105 243 2,856 SH   SOLE   0 0 2,856
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 202 1,159 SH   SOLE   0 0 1,159
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 526 6,361 SH   SOLE   0 0 6,361
PROCTER AND GAMBLE CO COM 742718109 312 2,262 SH   SOLE   0 0 2,262
ISHARES TR EAFE SML CP ETF 464288273 2,055 29,584 SH   SOLE   0 0 29,584
BOEING CO COM 097023105 262 1,266 SH   SOLE   0 0 1,266
VANGUARD INDEX FDS GROWTH ETF 922908736 486 1,919 SH   SOLE   0 0 1,919
CINCINNATI FINL CORP COM 172062101 220 2,482 SH   SOLE   0 0 2,482
PIMCO ETF TR INV GRD CRP BD 72201R817 8,441 73,203 SH   SOLE   0 0 73,203
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,033 21,614 SH   SOLE   0 0 21,614
ORACLE CORP COM 68389X105 340 5,400 SH   SOLE   0 0 5,400
LEAP THERAPEUTICS INC COM 52187K101 72 32,997 SH   SOLE   0 0 32,997
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 7,597 131,544 SH   SOLE   0 0 131,544
WORLD GOLD TR SPDR GLD MINIS 98149E204 188 10,213 SH   SOLE   0 0 10,213
NIKE INC CL B 654106103 372 2,529 SH   SOLE   0 0 2,529
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 52,946 955,705 SH   SOLE   0 0 955,705
INTEL CORP COM 458140100 313 6,067 SH   SOLE   0 0 6,067
US BANCORP DEL COM NEW 902973304 384 7,774 SH   SOLE   0 0 7,774
CINTAS CORP COM 172908105 297 875 SH   SOLE   0 0 875
ISHARES TR CORE MSCI TOTAL 46432F834 1,767 25,560 SH   SOLE   0 0 25,560
DOW INC COM 260557103 423 7,187 SH   SOLE   0 0 7,187
COMCAST CORP NEW CL A 20030N101 358 6,943 SH   SOLE   0 0 6,943
SPDR SER TR S&P 600 SMCP VAL 78464A300 8,591 121,115 SH   SOLE   0 0 121,115
INVESCO INDIA EXCHANGE-TRADE INDIA ETF 46137R109 1,537 63,691 SH   SOLE   0 0 63,691
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,042 11,245 SH   SOLE   0 0 11,245
SPDR SER TR S&P 600 SMCP GRW 78464A201 6,849 84,115 SH   SOLE   0 0 84,115
CISCO SYS INC COM 17275R102 573 12,633 SH   SOLE   0 0 12,633
BRISTOL-MYERS SQUIBB CO COM 110122108 389 5,986 SH   SOLE   0 0 5,986
EXXON MOBIL CORP COM 30231G102 323 6,887 SH   SOLE   0 0 6,887
AMPLIFY ETF TR BLACKSWAN GRWT 032108888 3,987 122,567 SH   SOLE   0 0 122,567
ABBVIE INC COM 00287Y109 989 9,072 SH   SOLE   0 0 9,072
SENSEONICS HLDGS INC COM 81727U105 17 20,000 SH   SOLE   0 0 20,000
SPDR SER TR NUVEEN BBG BRCLY 78464A284 2,265 38,279 SH   SOLE   0 0 38,279
ISHARES INC CORE MSCI EMKT 46434G103 483 7,476 SH   SOLE   0 0 7,476
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 280 1,200 SH   SOLE   0 0 1,200
SPDR SER TR PORTFOLIO LN TSR 78464A664 12,411 286,756 SH   SOLE   0 0 286,756
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 392 5,667 SH   SOLE   0 0 5,667
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 6,935 468,584 SH   SOLE   0 0 468,584
FRANKLIN TEMPLETON ETF TR LIBERTYQ US MID 35473P884 691 17,728 SH   SOLE   0 0 17,728
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 248 1,743 SH   SOLE   0 0 1,743
TRIMBLE INC COM 896239100 497 6,800 SH   SOLE   0 0 6,800
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 60,667 472,120 SH   SOLE   0 0 472,120
VISA INC COM CL A 92826C839 218 1,023 SH   SOLE   0 0 1,023
PPL CORP COM 69351T106 402 14,470 SH   SOLE   0 0 14,470
SPDR SER TR S&P 400 MDCP VAL 78464A839 21,169 365,670 SH   SOLE   0 0 365,670
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,196 4,275 SH   SOLE   0 0 4,275
SPDR SER TR NUVEEN BRC MUNIC 78468R721 8,281 158,426 SH   SOLE   0 0 158,426
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 43,034 1,161,203 SH   SOLE   0 0 1,161,203
ISHARES TR CONV BD ETF 46435G102 232 2,299 SH   SOLE   0 0 2,299
SPDR SER TR S&P BIOTECH 78464A870 594 4,009 SH   SOLE   0 0 4,009
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 65,896 1,408,027 SH   SOLE   0 0 1,408,027
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 4,749 17,416 SH   SOLE   0 0 17,416
ISHARES TR RUS MDCP VAL ETF 464287473 2,371 23,686 SH   SOLE   0 0 23,686
TJX COS INC NEW COM 872540109 372 5,434 SH   SOLE   0 0 5,434
GLOBE LIFE INC COM 37959E102 274 2,869 SH   SOLE   0 0 2,869
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,935 14,404 SH   SOLE   0 0 14,404
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,710 41,060 SH   SOLE   0 0 41,060
PENN NATL GAMING INC COM 707569109 289 2,881 SH   SOLE   0 0 2,881
WISDOMTREE TR INTRST RATE HDGE 97717W380 768 16,269 SH   SOLE   0 0 16,269
FACEBOOK INC CL A 30303M102 336 1,307 SH   SOLE   0 0 1,307
VIACOMCBS INC CL B 92556H206 479 11,661 SH   SOLE   0 0 11,661
INSULET CORP COM 45784P101 266 1,046 SH   SOLE   0 0 1,046
PFIZER INC COM 717081103 0 500 SH Call SOLE   0 0 500
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 3,118 161,138 SH   SOLE   0 0 161,138
SILK RD MED INC COM 82710M100 245 4,115 SH   SOLE   0 0 4,115
ISHARES TR IBOXX HI YD ETF 464288513 3,284 37,789 SH   SOLE   0 0 37,789
SPDR SER TR WELLS FG PFD ETF 78464A292 254 5,923 SH   SOLE   0 0 5,923
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,754 34,101 SH   SOLE   0 0 34,101
VANGUARD WORLD FD MEGA CAP INDEX 921910873 970 7,198 SH   SOLE   0 0 7,198
DYNATRACE INC COM NEW 268150109 622 14,791 SH   SOLE   0 0 14,791
HOME DEPOT INC COM 437076102 238 879 SH   SOLE   0 0 879
ISHARES TR CORE US AGGBD ET 464287226 1,720 14,718 SH   SOLE   0 0 14,718
INVESCO QQQ TR UNIT SER 1 46090E103 1,699 5,404 SH   SOLE   0 0 5,404
COCA COLA CO COM 191216100 275 5,477 SH   SOLE   0 0 5,477
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 319 4,857 SH   SOLE   0 0 4,857
TESLA INC COM 88160R101 1,373 1,693 SH   SOLE   0 0 1,693
SOUTHERN CO COM 842587107 230 3,758 SH   SOLE   0 0 3,758
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,715 22,189 SH   SOLE   0 0 22,189
INTERNATIONAL BUSINESS MACHS COM 459200101 416 3,235 SH   SOLE   0 0 3,235
3M CO COM 88579Y101 287 1,737 SH   SOLE   0 0 1,737
NVIDIA CORPORATION COM 67066G104 302 555 SH   SOLE   0 0 555
VERIZON COMMUNICATIONS INC COM 92343V104 836 14,548 SH   SOLE   0 0 14,548
SCHWAB STRATEGIC TR US TIPS ETF 808524870 10,129 164,481 SH   SOLE   0 0 164,481
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,447 4,158 SH   SOLE   0 0 4,158
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 3,303 11,585 SH   SOLE   0 0 11,585
T2 BIOSYSTEMS INC COM 89853L104 128 79,725 SH   SOLE   0 0 79,725
TATTOOED CHEF INC COM CL A 87663X102 332 13,881 SH   SOLE   0 0 13,881
STARBUCKS CORP COM 855244109 335 3,206 SH   SOLE   0 0 3,206
MICROSOFT CORP COM 594918104 959 4,410 SH   SOLE   0 0 4,410
WISDOMTREE TR HEDGED HI YLD BD 97717W430 4,117 188,833 SH   SOLE   0 0 188,833
VERASTEM INC COM 92337C104 74 31,404 SH   SOLE   0 0 31,404
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,484 4,187 SH   SOLE   0 0 4,187
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 79,560 861,595 SH   SOLE   0 0 861,595
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 820 32,817 SH   SOLE   0 0 32,817
WISDOMTREE TR CBOE S&P 500 97717X560 206 7,190 SH   SOLE   0 0 7,190
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 262 2,223 SH   SOLE   0 0 2,223
ISHARES TR ASIA 50 ETF 464288430 2,310 24,748 SH   SOLE   0 0 24,748
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,955 44,890 SH   SOLE   0 0 44,890
FRANCO NEV CORP COM 351858105 288 2,278 SH   SOLE   0 0 2,278
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804 226 3,965 SH   SOLE   0 0 3,965
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 4,237 189,482 SH   SOLE   0 0 189,482
ALPHABET INC CAP STK CL A 02079K305 339 193 SH   SOLE   0 0 193
VERTEX PHARMACEUTICALS INC COM 92532F100 401 1,710 SH   SOLE   0 0 1,710
ALPHABET INC CAP STK CL C 02079K107 401 227 SH   SOLE   0 0 227
ISHARES TR MSCI EAFE ETF 464287465 3,702 49,532 SH   SOLE   0 0 49,532
AGILENT TECHNOLOGIES INC COM 00846U101 347 2,711 SH   SOLE   0 0 2,711
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,095 62,162 SH   SOLE   0 0 62,162
TATTOOED CHEF INC *W EXP 10/15/202 87663X110 175 14,150 SH   SOLE   0 0 14,150
GLOBAL X FDS S&P 500 COVERED 37954Y475 2,811 59,961 SH   SOLE   0 0 59,961
ISHARES TR RUS MD CP GR ETF 464287481 2,109 19,980 SH   SOLE   0 0 19,980
CHEMED CORP NEW COM 16359R103 376 691 SH   SOLE   0 0 691
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 697 24,684 SH   SOLE   0 0 24,684
QUIDEL CORP COM 74838J101 227 1,136 SH   SOLE   0 0 1,136
ISHARES TR CORE S&P500 ETF 464287200 3,791 9,972 SH   SOLE   0 0 9,972
BIOGEN INC COM 09062X103 252 941 SH   SOLE   0 0 941
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,462 126,535 SH   SOLE   0 0 126,535
UNITED PARCEL SERVICE INC CL B 911312106 587 3,629 SH   SOLE   0 0 3,629
GAMIDA CELL LTD SHS M47364100 169 19,000 SH   SOLE   0 0 19,000
DBX ETF TR XTRACK MUN INFRA 233051705 2,815 96,330 SH   SOLE   0 0 96,330
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,275 23,135 SH   SOLE   0 0 23,135
SPDR SER TR S&P 400 MDCP GRW 78464A821 28,834 393,635 SH   SOLE   0 0 393,635
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,124 9,772 SH   SOLE   0 0 9,772
SPDR SER TR MSCI USA STRTGIC 78468R812 3,188 30,097 SH   SOLE   0 0 30,097
PAYPAL HLDGS INC COM 70450Y103 228 960 SH   SOLE   0 0 960
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,575 22,229 SH   SOLE   0 0 22,229
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 302 1,801 SH   SOLE   0 0 1,801
JOHNSON & JOHNSON COM 478160104 844 5,295 SH   SOLE   0 0 5,295
ISHARES TR 0-5YR HI YL CP 46434V407 515 11,354 SH   SOLE   0 0 11,354
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,208 8,092 SH   SOLE   0 0 8,092
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 20,960 549,277 SH   SOLE   0 0 549,277
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 511 3,088 SH   SOLE   0 0 3,088