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
3M Co COM 88579Y101 2,780 18,676 SH   SOLE   0 0 18,676
Abbott Laboratories COM 002824100 1,707 14,423 SH   SOLE   0 0 14,423
Abbvie Inc COM 00287Y109 2,726 16,814 SH   SOLE   0 0 16,814
Advance Auto Parts Inc COM 00751Y106 1,863 9,000 SH   SOLE   0 0 9,000
Aflac Inc COM 001055102 1,245 19,343 SH   SOLE   0 0 19,343
Akamai Technologies Inc. COM 00971T101 253 2,123 SH   SOLE   0 0 2,123
Allstate Corp COM 020002101 2,245 16,205 SH   SOLE   0 0 16,205
Alphabet Inc Class A CAP STK CL A 02079K305 807 290 SH   SOLE   0 0 290
Alphabet Inc Class C CAP STK CL C 02079K107 681 244 SH   SOLE   0 0 244
Altria Group Inc. COM 02209S103 262 5,005 SH   SOLE   0 0 5,005
Amazon.com Inc COM 023135106 1,767 542 SH   SOLE   0 0 542
Amdocs Ltd. SHS G02602103 2,174 26,447 SH   SOLE   0 0 26,447
American Tower Corp COM 03027X100 2,772 11,035 SH   SOLE   0 0 11,035
Amgen Inc COM 031162100 2,734 11,304 SH   SOLE   0 0 11,304
Amphenol Corp CL A 032095101 338 4,488 SH   SOLE   0 0 4,488
Apple Inc COM 037833100 3,381 19,366 SH   SOLE   0 0 19,366
Automatic Data Processing COM 053015103 212 932 SH   SOLE   0 0 932
Avago Technologies Ltd COM 11135F101 268 426 SH   SOLE   0 0 426
Avalara Inc COM 05338G106 579 5,818 SH   SOLE   0 0 5,818
Boeing Co COM 097023105 205 1,071 SH   SOLE   0 0 1,071
Bristol-Myers Squibb Company COM 110122108 3,413 46,732 SH   SOLE   0 0 46,732
Cadence Bank COM 12740C103 1,319 45,078 SH   SOLE   0 0 45,078
CDW Corp COM 12514G108 316 1,767 SH   SOLE   0 0 1,767
Cedar Fair LP DEPOSITORY UNIT 150185106 373 6,800 SH   SOLE   0 0 6,800
CH Robinson Worldwide Inc. COM NEW 12541W209 2,029 18,836 SH   SOLE   0 0 18,836
Chevron Corp COM 166764100 463 2,845 SH   SOLE   0 0 2,845
Cigna Holding Co COM 125523100 2,183 9,112 SH   SOLE   0 0 9,112
Cisco Systems Inc COM 17275R102 583 10,448 SH   SOLE   0 0 10,448
Cliffs Natural Resources Inc. COM 185899101 219 6,784 SH   SOLE   0 0 6,784
CME Group Inc. COM 12572Q105 448 1,884 SH   SOLE   0 0 1,884
Coca-Cola Co COM 191216100 1,374 22,155 SH   SOLE   0 0 22,155
Cognizant Technology Solutions Corporation CL A 192446102 1,754 19,562 SH   SOLE   0 0 19,562
ConAgra Foods Inc. COM 205887102 2,187 65,154 SH   SOLE   0 0 65,154
ConocoPhillips COM 20825C104 453 4,534 SH   SOLE   0 0 4,534
Copart Inc COM 217204106 502 4,000 SH   SOLE   0 0 4,000
Costco Wholesale Corporation COM 22160K105 650 1,128 SH   SOLE   0 0 1,128
Crown Castle International Corp COM 22822V101 239 1,292 SH   SOLE   0 0 1,292
CSX Corp COM 126408103 3,881 103,635 SH   SOLE   0 0 103,635
Danaher Corporation COM 235851102 284 968 SH   SOLE   0 0 968
Eaton Corp SHS G29183103 1,664 10,965 SH   SOLE   0 0 10,965
Emerson Electric Co. COM 291011104 554 5,650 SH   SOLE   0 0 5,650
Exxon Mobil Corporation COM 30231G102 1,467 17,766 SH   SOLE   0 0 17,766
FedEx Corporation COM 31428X106 1,720 7,434 SH   SOLE   0 0 7,434
First American Financial Corp COM 31847R102 1,413 21,797 SH   SOLE   0 0 21,797
Gilead Sciences Inc COM 375558103 1,871 31,466 SH   SOLE   0 0 31,466
Goldman Sachs Active Beta U.S. Small Cap ACTIVEBETA US 381430602 3,392 54,784 SH   SOLE   0 0 54,784
Goldman Sachs Group Inc COM 38141G104 997 3,020 SH   SOLE   0 0 3,020
Home Depot Inc. COM 437076102 2,046 6,837 SH   SOLE   0 0 6,837
Honeywell International Inc. COM 438516106 1,947 10,006 SH   SOLE   0 0 10,006
Intel Corp COM 458140100 822 16,581 SH   SOLE   0 0 16,581
International Business Machines Corp COM 459200101 2,059 15,835 SH   SOLE   0 0 15,835
International Flavors & Fragrances COM 459506101 1,181 8,994 SH   SOLE   0 0 8,994
iShares Cohen & Steers Realty Majors COHEN STEER REIT 464287564 382 5,384 SH   SOLE   0 0 5,384
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 349 5,019 SH   SOLE   0 0 5,019
iShares Core MSCI Emerg Markets ETF CORE MSCI EMKT 46434G103 616 11,088 SH   SOLE   0 0 11,088
iShares Core MSCI Total Intl Stk ETF CORE MSCI TOTAL 46432F834 3,888 58,400 SH   SOLE   0 0 58,400
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200 43,822 96,591 SH   SOLE   0 0 96,591
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 4,970 18,519 SH   SOLE   0 0 18,519
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 243 2,249 SH   SOLE   0 0 2,249
iShares Core S&P Total US Stock Mkt CORE S&P TTL STK 464287150 3,866 38,299 SH   SOLE   0 0 38,299
iShares Dow Jones US Energy U.S. ENERGY ETF 464287796 3,445 84,188 SH   SOLE   0 0 84,188
iShares Edge MSCI Min Vol USA MSCI USA MIN VOL 46429B697 2,122 27,361 SH   SOLE   0 0 27,361
iShares Global Financials ETF GLOBAL FINLS ETF 464287333 220 2,767 SH   SOLE   0 0 2,767
iShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,511 20,533 SH   SOLE   0 0 20,533
iShares MSCI Emerging Markets Index MSCI EMG MKT ETF 464287234 525 11,625 SH   SOLE   0 0 11,625
iShares Russell 1000 Growth Index RUS 1000 GRW ETF 464287614 1,634 5,887 SH   SOLE   0 0 5,887
iShares Russell 1000 Index RUS 1000 ETF 464287622 715 2,859 SH   SOLE   0 0 2,859
iShares Russell 1000 Value Index RUS 1000 VAL ETF 464287598 1,488 8,966 SH   SOLE   0 0 8,966
iShares Russell 2000 Growth Index Fund RUS 2000 GRW ETF 464287648 508 1,986 SH   SOLE   0 0 1,986
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 4,381 21,343 SH   SOLE   0 0 21,343
iShares Russell 2000 Value Index Fund RUS 2000 VAL ETF 464287630 337 2,089 SH   SOLE   0 0 2,089
Johnson and Johnson COM 478160104 607 3,427 SH   SOLE   0 0 3,427
JPMorgan Chase & Co COM 46625H100 1,965 14,418 SH   SOLE   0 0 14,418
L3Harris Technologies Inc COM 502431109 2,261 9,100 SH   SOLE   0 0 9,100
Landstar System Inc. COM 515098101 1,914 12,692 SH   SOLE   0 0 12,692
Lincoln National Corp COM 534187109 261 4,000 SH   SOLE   0 0 4,000
Lockheed Martin Corporation COM 539830109 274 621 SH   SOLE   0 0 621
MARSH & MCLENNAN COS COM 571748102 1,058 6,210 SH   SOLE   0 0 6,210
McDonald's Corporation COM 580135101 345 1,394 SH   SOLE   0 0 1,394
Merck & Co Inc COM 58933Y105 2,674 32,591 SH   SOLE   0 0 32,591
Microsoft Corporation COM 594918104 4,486 14,549 SH   SOLE   0 0 14,549
Moderna Inc COM 60770K107 295 1,715 SH   SOLE   0 0 1,715
Mondelez International Inc CL A 609207105 273 4,356 SH   SOLE   0 0 4,356
Moody s Corporation COM 615369105 356 1,055 SH   SOLE   0 0 1,055
Morgan Stanley COM NEW 617446448 1,003 11,472 SH   SOLE   0 0 11,472
Newell Rubbermaid Inc COM 651229106 808 37,758 SH   SOLE   0 0 37,758
NextEra Energy Inc COM 65339F101 980 11,574 SH   SOLE   0 0 11,574
Nordson Corporation COM 655663102 274 1,206 SH   SOLE   0 0 1,206
Novo Nordisk ADR 670100205 278 2,500 SH   SOLE   0 0 2,500
NVIDIA Corporation COM 67066G104 394 1,444 SH   SOLE   0 0 1,444
OGE Energy Corp COM 670837103 1,767 43,329 SH   SOLE   0 0 43,329
Oracle Corporation COM 68389X105 2,716 32,835 SH   SOLE   0 0 32,835
Parker Hannifin Corporation COM 701094104 979 3,451 SH   SOLE   0 0 3,451
PepsiCo Inc COM 713448108 1,666 9,956 SH   SOLE   0 0 9,956
Pfizer Inc COM 717081103 1,936 37,395 SH   SOLE   0 0 37,395
Phillips 66 COM 718546104 1,196 13,848 SH   SOLE   0 0 13,848
PowerShares QQQ UNIT SER 1 46090E103 524 1,446 SH   SOLE   0 0 1,446
Procter & Gamble Co COM 742718109 368 2,411 SH   SOLE   0 0 2,411
Progressive Corporation COM 743315103 16,871 148,004 SH   SOLE   0 0 148,004
Raytheon Technologies Ord COM 75513E101 797 8,046 SH   SOLE   0 0 8,046
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 1,086 13,767 SH   SOLE   0 0 13,767
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 491 9,122 SH   SOLE   0 0 9,122
SEI Investments Company COM 784117103 1,710 28,401 SH   SOLE   0 0 28,401
SPDR S&P 500 TR UNIT 78462F103 9,820 21,743 SH   SOLE   0 0 21,743
SPDR S&P MidCap 400 UTSER1 S&PDCRP 78467Y107 4,974 10,141 SH   SOLE   0 0 10,141
SPDR S&P Dividend ETF S&P DIVID ETF 78464A763 329 2,570 SH   SOLE   0 0 2,570
T. Rowe Price Group COM 74144T108 1,772 11,718 SH   SOLE   0 0 11,718
TELUS Corp COM 87971M103 1,607 61,458 SH   SOLE   0 0 61,458
Thermo Fisher Scientific Inc COM 883556102 1,032 1,747 SH   SOLE   0 0 1,747
UGI Corp COM 902681105 1,213 33,487 SH   SOLE   0 0 33,487
Union Pacific Corp COM 907818108 220 804 SH   SOLE   0 0 804
UnitedHealth Group Inc COM 91324P102 354 695 SH   SOLE   0 0 695
Vanguard FTSE All World ex-US Small-Cap ETF FTSE SMCAP ETF 922042718 694 5,601 SH   SOLE   0 0 5,601
Vanguard Large Cap ETF LARGE CAP ETF 922908637 853 4,089 SH   SOLE   0 0 4,089
Vanguard Mid-Cap ETF MID CAP ETF 922908629 344 1,448 SH   SOLE   0 0 1,448
Vanguard MSCI Emerging Markets ETF FTSE EMR MKT ETF 922042858 889 19,274 SH   SOLE   0 0 19,274
Vanguard REIT Index ETF REAL ESTATE ETF 922908553 633 5,840 SH   SOLE   0 0 5,840
Vanguard Russell 1000 Value Index ETF VNG RUS1000VAL 92206C714 385 5,290 SH   SOLE   0 0 5,290
Vanguard Total Stock Market ETF TOTAL STK MKT 922908769 2,743 12,047 SH   SOLE   0 0 12,047
Verizon Communications Inc COM 92343V104 2,255 44,270 SH   SOLE   0 0 44,270
Visa Inc. COM CL A 92826C839 780 3,518 SH   SOLE   0 0 3,518
Walgreen Boots Alliance Inc Com COM 931427108 1,547 34,565 SH   SOLE   0 0 34,565
Walt Disney Co COM 254687106 319 2,322 SH   SOLE   0 0 2,322
Werner Enterprises Inc COM 950755108 1,832 44,691 SH   SOLE   0 0 44,691
Zoetis Inc CL A 98978V103 668 3,542 SH   SOLE   0 0 3,542
Bain Capital Specialty Finance Inc COM STK 05684B107 2,407 154,373 SH   SOLE   0 0 154,373
Bank Of America 7.25 Non Cumulatve Perp C V T Pfd 7.25%CNV PFD L 060505682 516 393 SH   SOLE   0 0 393
FS KKR Capital Corp COM 302635206 1,473 64,549 SH   SOLE   0 0 64,549
ISHARES 10-20 YEAR TREASURY BOND ETF 10-20 YR TRS ETF 464288653 1,094 8,126 SH   SOLE   0 0 8,126
iShares Barclays 1-3 Year Treasury Bond 1 3 YR TREAS BD 464287457 438 5,260 SH   SOLE   0 0 5,260
iShares Barclays TIPS Bond TIPS BD ETF 464287176 313 2,516 SH   SOLE   0 0 2,516
iShares Convertible Bond ETF CONV BD ETF 46435G102 799 9,591 SH   SOLE   0 0 9,591
iShares Core Total US Bond Market ETF CORE US AGGBD ET 464287226 1,148 10,720 SH   SOLE   0 0 10,720
iShares Floating Rate Note FLTG RATE NT ETF 46429B655 714 14,135 SH   SOLE   0 0 14,135
iShares iBoxx Invest Grade Corp Bond IBOXX INV CP ETF 464287242 547 4,525 SH   SOLE   0 0 4,525
iShares Short Maturity Municipal Bd ETF BLACKROCK SHORT 46431W838 1,275 25,630 SH   SOLE   0 0 25,630
iShares Ultra Short-Term Bond ETF BLACKROCK ULTRA 46434V878 466 9,290 SH   SOLE   0 0 9,290
iShares US Treasury Bond US TREAS BD ETF 46429B267 350 14,061 SH   SOLE   0 0 14,061
JPMorgan Ultra-Short Income ETF ULTRA SHRT INC 46641Q837 1,542 30,665 SH   SOLE   0 0 30,665
Pennant Park Investment Corp COM 708062104 422 54,230 SH   SOLE   0 0 54,230
PIMCO Enhanced Short Maturity ETF ENHAN SHRT MA AC 72201R833 3,006 30,015 SH   SOLE   0 0 30,015
SPDR Portfolio TIPS ETF PORTFLI TIPS ETF 78464A656 2,424 80,121 SH   SOLE   0 0 80,121
TCG BDC Inc COM 872280102 3,060 212,667 SH   SOLE   0 0 212,667
Wells Fargo & Co PERP PFD CNV A 949746804 264 199 SH   SOLE   0 0 199
iShares Commodities Select Strategy ETF GSCI CMDTY STGY 46431W853 10,867 271,328 SH   SOLE   0 0 271,328
Pembina Pipeline Corp COM 706327103 1,230 32,707 SH   SOLE   0 0 32,707
BROADSTONE NET LEASE ORD COM 11135E203 456 20,938 SH   SOLE   0 0 20,938
Open Text Corp COM 683715106 1,252 29,524 SH   SOLE   0 0 29,524