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
ALLEGHANY CORP DEL COM 017175100 223 341 SH   SOLE   0 0 341
ALPHABET INC CAP STK CL C 02079K107 487 408 SH   SOLE   0 0 408
ALPHABET INC CAP STK CL A 02079K305 233 193 SH   SOLE   0 0 193
ALTRIA GROUP INC COM 02209S103 202 3,351 SH   SOLE   0 0 3,351
APPLE INC COM 037833100 678 3,005 SH   SOLE   0 0 3,005
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 570 2,660 SH   SOLE   0 0 2,660
BLACKROCK INC COM 09247X101 256 544 SH   SOLE   0 0 544
CARMAX INC COM 143130102 280 3,746 SH   SOLE   0 0 3,746
CARNIVAL CORP UNIT 99/99/9999 143658300 296 4,636 SH   SOLE   0 0 4,636
CISCO SYS INC COM 17275R102 217 4,459 SH   SOLE   0 0 4,459
DOLLAR TREE INC COM 256746108 269 3,300 SH   SOLE   0 0 3,300
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 2,854 89,050 SH   SOLE   0 0 89,050
GENERAL DYNAMICS CORP COM 369550108 209 1,023 SH   SOLE   0 0 1,023
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 3,303 144,350 SH   SOLE   0 0 144,350
HOME DEPOT INC COM 437076102 312 1,506 SH   SOLE   0 0 1,506
ISHARES TR MBS ETF 464288588 351 3,400 SH   SOLE   0 0 3,400
ISHARES TR MIN VOL USA ETF 46429B697 10,223 179,228 SH   SOLE   0 0 179,228
ISHARES TR USA QUALITY FCTR 46432F339 18,083 200,095 SH   SOLE   0 0 200,095
ISHARES TR EDGE MSCI USA VL 46432F388 18,953 215,747 SH   SOLE   0 0 215,747
ISHARES TR MULTIFACTOR USA 46434V290 8,429 193,956 SH   SOLE   0 0 193,956
ISORAY INC COM 46489V104 10 20,000 SH   SOLE   0 0 20,000
JOHNSON & JOHNSON COM 478160104 343 2,480 SH   SOLE   0 0 2,480
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 12,023 239,735 SH   SOLE   0 0 239,735
MICROSOFT CORP COM 594918104 1,204 10,528 SH   SOLE   0 0 10,528
NIKE INC CL B 654106103 354 4,182 SH   SOLE   0 0 4,182
NORFOLK SOUTHERN CORP COM 655844108 313 1,735 SH   SOLE   0 0 1,735
O REILLY AUTOMOTIVE INC NEW COM 67103H107 211 607 SH   SOLE   0 0 607
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,452 14,285 SH   SOLE   0 0 14,285
PROGRESSIVE CORP OHIO COM 743315103 398 5,596 SH   SOLE   0 0 5,596
SPDR S&P 500 ETF TR TR UNIT 78462F103 288 989 SH   SOLE   0 0 989
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 11,346 240,126 SH   SOLE   0 0 240,126
STARBUCKS CORP COM 855244109 234 4,118 SH   SOLE   0 0 4,118
VANGUARD INDEX FDS GROWTH ETF 922908736 19,424 120,617 SH   SOLE   0 0 120,617
VERIZON COMMUNICATIONS INC COM 92343V104 284 5,315 SH   SOLE   0 0 5,315
VISA INC COM CL A 92826C839 365 2,431 SH   SOLE   0 0 2,431
WELLS FARGO CO NEW COM 949746101 205 3,903 SH   SOLE   0 0 3,903
WISDOMTREE TR US MIDCAP DIVID 97717W505 7,842 212,624 SH   SOLE   0 0 212,624
WISDOMTREE TR US MIDCP EARNING 97717W570 11,322 273,736 SH   SOLE   0 0 273,736
WISDOMTREE TR INTL EQUITY FD 97717W703 6,223 117,129 SH   SOLE   0 0 117,129