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
ALPHABET INC	CAP STK CL C	02079K107	4,308,795	30,561	SH		SOLE	0	0	0	30,561
AMAZON COM INC	COM	023135106	4,367,828	33,223	SH		SOLE	0	0	0	33,223
APPLE INC	COM	037833100	4,945,479	27,917	SH		SOLE	0	0	0	27,917
BERKLEY W R CORP	COM	084423102	2,707,836	40,972	SH		SOLE	0	0	0	40,972
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,114,286	11,912	SH		SOLE	0	0	0	11,912
BP PLC	SPONSORED ADR	055622104	367,290	9,000	SH		SOLE	0	0	0	9,000
CAPITAL ONE FINL CORP	COM	14040H105	2,523,303	25,737	SH		SOLE	0	0	0	25,737
CHEVRON CORP NEW	COM	166764100	334,858	1,998	SH		SOLE	0	0	0	1,998
COCA COLA CO	COM	191216100	264,727	4,896	SH		SOLE	0	0	0	4,896
CSX CORP	COM	126408103	343,564	10,952	SH		SOLE	0	0	0	10,952
DEERE & CO	COM	244199105	200,523	513	SH		SOLE	0	0	0	513
EXXON MOBIL CORP	COM	30231G102	3,348,004	30,057	SH		SOLE	0	0	0	30,057
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	343,494	7,069	SH		SOLE	0	0	0	7,069
FIRST TR EXCHNG TRADED FD VI	CBOE VEST FD DEP	33740U703	1,042,562	48,559	SH		SOLE	0	0	0	48,559
GRANITESHARES GOLD TR	SHS BEN INT	38748G101	219,014	11,521	SH		SOLE	0	0	0	11,521
HCA HEALTHCARE INC	COM	40412C101	2,783,180	11,408	SH		SOLE	0	0	0	11,408
HUNTINGTON BANCSHARES INC	COM	446150104	217,648	20,968	SH		SOLE	0	0	0	20,968
ISHARES INC	JP MORGAN EM ETF	464286517	7,589,251	220,298	SH		SOLE	0	0	0	220,298
ISHARES INC	CORE MSCI EMKT	46434G103	328,611	6,893	SH		SOLE	0	0	0	6,893
ISHARES TR	NATIONAL MUN ETF	464288414	692,612	6,807	SH		SOLE	0	0	0	6,807
ISHARES TR	SHRT NAT MUN ETF	464288158	817,184	7,924	SH		SOLE	0	0	0	7,924
ISHARES TR	CORE S&P MCP ETF	464287507	3,460,677	13,815	SH		SOLE	0	0	0	13,815
ISHARES TR	0-3 MNTH TREASRY	46436E718	359,453	3,577	SH		SOLE	0	0	0	3,577
ISHARES TR	IBOXX HI YD ETF	464288513	314,462	4,344	SH		SOLE	0	0	0	4,344
ISHARES TR	CORE US AGGBD ET	464287226	1,286,077	13,911	SH		SOLE	0	0	0	13,911
ISHARES TR	AGGRES ALLOC ETF	464289859	306,999	4,824	SH		SOLE	0	0	0	4,824
ISHARES TR	MSCI INTL QUALTY	46434V456	33,816,270	996,942	SH		SOLE	0	0	0	996,942
ISHARES TR	CORE S&P500 ETF	464287200	392,546	896	SH		SOLE	0	0	0	896
ISHARES TR	INTERNATIONAL SL	46434V266	5,575,546	193,059	SH		SOLE	0	0	0	193,059
ISHARES TR	IBONDS 24 TRM TS	46436E874	20,808,617	874,312	SH		SOLE	0	0	0	874,312
ISHARES TR	0-5YR HI YL CP	46434V407	15,677,593	387,867	SH		SOLE	0	0	0	387,867
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	46641Q647	289,740	6,035	SH		SOLE	0	0	0	6,035
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	318,559	6,361	SH		SOLE	0	0	0	6,361
JPMORGAN CHASE & CO	COM	46625H100	3,193,699	21,648	SH		SOLE	0	0	0	21,648
KLA CORP	COM NEW	482480100	2,597,334	5,340	SH		SOLE	0	0	0	5,340
LOWES COS INC	COM	548661107	2,326,576	11,741	SH		SOLE	0	0	0	11,741
MCDONALDS CORP	COM	580135101	530,659	2,113	SH		SOLE	0	0	0	2,113
MERCK & CO INC	COM	58933Y105	465,952	4,473	SH		SOLE	0	0	0	4,473
MICROSOFT CORP	COM	594918104	2,795,614	8,419	SH		SOLE	0	0	0	8,419
NEXTERA ENERGY INC	COM	65339F101	289,171	5,338	SH		SOLE	0	0	0	5,338
NIKE INC	CL B	654106103	382,818	3,716	SH		SOLE	0	0	0	3,716
PEPSICO INC	COM	713448108	2,304,152	14,368	SH		SOLE	0	0	0	14,368
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	2,319,546	23,207	SH		SOLE	0	0	0	23,207
PROCTER AND GAMBLE CO	COM	742718109	2,799,373	19,140	SH		SOLE	0	0	0	19,140
PROGRESSIVE CORP	COM	743315103	3,471,344	21,841	SH		SOLE	0	0	0	21,841
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	17,290,727	305,059	SH		SOLE	0	0	0	305,059
SCHWAB STRATEGIC TR	1 5YR CORP BD	808524714	556,436	11,933	SH		SOLE	0	0	0	11,933
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	1,682,006	25,997	SH		SOLE	0	0	0	25,997
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	18,584,955	554,278	SH		SOLE	0	0	0	554,278
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	275,761	8,907	SH		SOLE	0	0	0	8,907
SPDR INDEX SHS FDS	S&P EMKTSC ETF	78463X756	1,897,368	35,769	SH		SOLE	0	0	0	35,769
SPDR S&P 500 ETF TR	TR UNIT	78462F103	273,821	628	SH		SOLE	0	0	0	628
SPDR SER TR	PORTFLI TIPS ETF	78464A656	282,375	11,474	SH		SOLE	0	0	0	11,474
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	844,934	18,257	SH		SOLE	0	0	0	18,257
SPDR SER TR	S&P 600 SMCP VAL	78464A300	11,104,549	154,444	SH		SOLE	0	0	0	154,444
SPDR SER TR	S&P 600 SMCP GRW	78464A201	5,362,088	72,964	SH		SOLE	0	0	0	72,964
SPDR SER TR	BLOOMBERG EMERGI	78464A391	423,874	21,615	SH		SOLE	0	0	0	21,615
SPDR SER TR	PORTFOLI S&P1500	78464A805	48,446,196	906,044	SH		SOLE	0	0	0	906,044
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	701,474	30,016	SH		SOLE	0	0	0	30,016
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	15,327,421	641,046	SH		SOLE	0	0	0	641,046
SPDR SER TR	BLOOMBERG SHT TE	78468R408	771,925	32,070	SH		SOLE	0	0	0	32,070
SPDR SER TR	PORTFOLIO S&P400	78464A847	17,484,297	397,370	SH		SOLE	0	0	0	397,370
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	413,837	10,919	SH		SOLE	0	0	0	10,919
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	441,005	9,188	SH		SOLE	0	0	0	9,188
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	1,140,867	14,925	SH		SOLE	0	0	0	14,925
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	948,772	13,823	SH		SOLE	0	0	0	13,823
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,453,335	11,343	SH		SOLE	0	0	0	11,343
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,333,071	85,158	SH		SOLE	0	0	0	85,158
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,240,467	25,989	SH		SOLE	0	0	0	25,989
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	11,275,836	151,130	SH		SOLE	0	0	0	151,130
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,190,336	27,270	SH		SOLE	0	0	0	27,270
VERIZON COMMUNICATIONS INC	COM	92343V104	3,323,713	105,481	SH		SOLE	0	0	0	105,481
WALMART INC	COM	931142103	282,001	1,747	SH		SOLE	0	0	0	1,747
WASTE MGMT INC DEL	COM	94106L109	304,904	1,905	SH		SOLE	0	0	0	1,905
WISDOMTREE TR	GLB US QTLY DIV	97717W844	1,413,684	41,974	SH		SOLE	0	0	0	41,974