Financial Strategies 13F-HR Quarterly holdings report by institutional manager

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

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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
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	869	7,640	SH		SOLE	0	0	0	7,640
ALPHABET INC	CAP STK CL C	02079K107	1,221	558	SH		SOLE	0	0	0	558
AMAZON COM INC	COM	023135106	1,453	13,678	SH		SOLE	0	0	0	13,678
APPLE INC	COM	037833100	1,691	12,365	SH		SOLE	0	0	0	12,365
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,194	4,374	SH		SOLE	0	0	0	4,374
BP PLC	SPONSORED ADR	055622104	255	9,000	SH		SOLE	0	0	0	9,000
CHEVRON CORP NEW	COM	166764100	280	1,931	SH		SOLE	0	0	0	1,931
COCA COLA CO	COM	191216100	305	4,848	SH		SOLE	0	0	0	4,848
CSX CORP	COM	126408103	314	10,800	SH		SOLE	0	0	0	10,800
DEERE & CO	COM	244199105	245	820	SH		SOLE	0	0	0	820
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	440	9,162	SH		SOLE	0	0	0	9,162
DISNEY WALT CO	COM	254687106	754	7,983	SH		SOLE	0	0	0	7,983
DTE ENERGY CO	COM	233331107	207	1,634	SH		SOLE	0	0	0	1,634
EXXON MOBIL CORP	COM	30231G102	1,369	15,981	SH		SOLE	0	0	0	15,981
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	394	7,791	SH		SOLE	0	0	0	7,791
FIRST TR EXCHNG TRADED FD VI	CBOE VEST FD DEP	33740U703	9,828	502,943	SH		SOLE	0	0	0	502,943
FORD MTR CO DEL	COM	345370860	787	70,728	SH		SOLE	0	0	0	70,728
GRANITESHARES GOLD TR	SHS BEN INT	38748G101	707	39,481	SH		SOLE	0	0	0	39,481
HUNTINGTON BANCSHARES INC	COM	446150104	241	20,038	SH		SOLE	0	0	0	20,038
INTEL CORP	COM	458140100	749	20,012	SH		SOLE	0	0	0	20,012
ISHARES INC	JP MORGAN EM ETF	464286517	6,275	183,642	SH		SOLE	0	0	0	183,642
ISHARES INC	CORE MSCI EMKT	46434G103	246	5,021	SH		SOLE	0	0	0	5,021
ISHARES TR	GRWT ALLOCAT ETF	464289867	282	5,881	SH		SOLE	0	0	0	5,881
ISHARES TR	AGGRES ALLOC ETF	464289859	363	6,057	SH		SOLE	0	0	0	6,057
ISHARES TR	CORE US AGGBD ET	464287226	1,331	13,090	SH		SOLE	0	0	0	13,090
ISHARES TR	CORE S&P MCP ETF	464287507	4,090	18,081	SH		SOLE	0	0	0	18,081
ISHARES TR	CORE MSCI EAFE	46432F842	224	3,804	SH		SOLE	0	0	0	3,804
ISHARES TR	CORE S&P SCP ETF	464287804	232	2,516	SH		SOLE	0	0	0	2,516
ISHARES TR	SHRT NAT MUN ETF	464288158	982	9,378	SH		SOLE	0	0	0	9,378
ISHARES TR	NATIONAL MUN ETF	464288414	402	3,784	SH		SOLE	0	0	0	3,784
ISHARES TR	CORE S&P500 ETF	464287200	764	2,014	SH		SOLE	0	0	0	2,014
ISHARES TR	0-5YR HI YL CP	46434V407	5,908	145,691	SH		SOLE	0	0	0	145,691
ISHARES TR	MODERT ALLOC ETF	464289875	206	5,287	SH		SOLE	0	0	0	5,287
ISHARES TR	MSCI EAFE ETF	464287465	218	3,487	SH		SOLE	0	0	0	3,487
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	46641Q647	286	5,723	SH		SOLE	0	0	0	5,723
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	444	8,867	SH		SOLE	0	0	0	8,867
JPMORGAN CHASE & CO	COM	46625H100	875	7,772	SH		SOLE	0	0	0	7,772
LOWES COS INC	COM	548661107	819	4,687	SH		SOLE	0	0	0	4,687
MCDONALDS CORP	COM	580135101	474	1,921	SH		SOLE	0	0	0	1,921
MERCK & CO INC	COM	58933Y105	406	4,457	SH		SOLE	0	0	0	4,457
METLIFE INC	COM	59156R108	656	10,451	SH		SOLE	0	0	0	10,451
MICROSOFT CORP	COM	594918104	992	3,864	SH		SOLE	0	0	0	3,864
NEXTERA ENERGY INC	COM	65339F101	408	5,261	SH		SOLE	0	0	0	5,261
NIKE INC	CL B	654106103	379	3,712	SH		SOLE	0	0	0	3,712
PEPSICO INC	COM	713448108	849	5,094	SH		SOLE	0	0	0	5,094
PFIZER INC	COM	717081103	583	11,115	SH		SOLE	0	0	0	11,115
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	1,879	18,960	SH		SOLE	0	0	0	18,960
PROCTER AND GAMBLE CO	COM	742718109	1,184	8,236	SH		SOLE	0	0	0	8,236
PROGRESSIVE CORP	COM	743315103	950	8,167	SH		SOLE	0	0	0	8,167
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	560	22,076	SH		SOLE	0	0	0	22,076
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	10,124	181,433	SH		SOLE	0	0	0	181,433
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	779	16,395	SH		SOLE	0	0	0	16,395
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	13,203	259,390	SH		SOLE	0	0	0	259,390
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	1,458	23,359	SH		SOLE	0	0	0	23,359
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	24,862	862,076	SH		SOLE	0	0	0	862,076
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	15,440	444,060	SH		SOLE	0	0	0	444,060
SPDR INDEX SHS FDS	S&P EMKTSC ETF	78463X756	1,552	31,896	SH		SOLE	0	0	0	31,896
SPDR INDEX SHS FDS	MSCI EAFE STRTGC	78463X434	3,066	49,462	SH		SOLE	0	0	0	49,462
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	1,357	46,919	SH		SOLE	0	0	0	46,919
SPDR SER TR	S&P 600 SMCP VAL	78464A300	9,306	128,511	SH		SOLE	0	0	0	128,511
SPDR SER TR	S&P 600 SMCP GRW	78464A201	3,878	55,006	SH		SOLE	0	0	0	55,006
SPDR SER TR	PORTFOLIO LN TSR	78464A664	254	7,685	SH		SOLE	0	0	0	7,685
SPDR SER TR	PORTFLI TIPS ETF	78464A656	530	19,249	SH		SOLE	0	0	0	19,249
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	250	5,297	SH		SOLE	0	0	0	5,297
SPDR SER TR	PORTFOLIO S&P400	78464A847	12,817	322,918	SH		SOLE	0	0	0	322,918
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	14,983	568,603	SH		SOLE	0	0	0	568,603
SPDR SER TR	BLOOMBERG SHT TE	78468R408	473	19,631	SH		SOLE	0	0	0	19,631
SPDR SER TR	BLOOMBERG EMERGI	78464A391	395	19,319	SH		SOLE	0	0	0	19,319
SPDR SER TR	PORTFOLI S&P1500	78464A805	37,928	816,012	SH		SOLE	0	0	0	816,012
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	513	12,162	SH		SOLE	0	0	0	12,162
VANECK ETF TRUST	INVESTMENT GRD	92189F486	722	29,243	SH		SOLE	0	0	0	29,243
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	660	12,249	SH		SOLE	0	0	0	12,249
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	639	4,154	SH		SOLE	0	0	0	4,154
VANGUARD ADMIRAL FDS INC	SMLCP 600 GRTH	921932794	311	1,719	SH		SOLE	0	0	0	1,719
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	716	9,513	SH		SOLE	0	0	0	9,513
VANGUARD INDEX FDS	VALUE ETF	922908744	379	2,874	SH		SOLE	0	0	0	2,874
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,366	12,542	SH		SOLE	0	0	0	12,542
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,442	34,627	SH		SOLE	0	0	0	34,627
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,174	23,508	SH		SOLE	0	0	0	23,508
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	7,117	93,321	SH		SOLE	0	0	0	93,321
VANGUARD TAX-MANAGED INTL FD	VAN FTSE DEV MKT	921943858	3,266	80,041	SH		SOLE	0	0	0	80,041
VERIZON COMMUNICATIONS INC	COM	92343V104	1,353	26,669	SH		SOLE	0	0	0	26,669
WALMART INC	COM	931142103	210	1,724	SH		SOLE	0	0	0	1,724
WASTE MGMT INC DEL	COM	94106L109	289	1,887	SH		SOLE	0	0	0	1,887
WORLD GOLD TR	SPDR GLD MINIS	98149E303	8,279	230,745	SH		SOLE	0	0	0	230,745