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 1,138 6,523 SH   SOLE   2,739 0 3,784
ABBOTT LABS COM 002824100 2,091 19,068 SH   SOLE   8,010 0 11,058
ABBVIE INC COM 00287Y109 710 6,645 SH   SOLE   36 0 6,609
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 543 2,083 SH   SOLE   0 0 2,083
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,231 2,456 SH   SOLE   0 0 2,456
ALIGN TECHNOLOGY INC COM 016255101 1,780 3,330 SH   SOLE   45 0 3,285
ALPHABET INC CAP STK CL A 02079K305 7,291 4,150 SH   SOLE   1,382 0 2,768
ALPHABET INC CAP STK CL C 02079K107 3,765 2,147 SH   SOLE   186 0 1,961
AMAZON COM INC COM 023135106 2,864 879 SH   SOLE   35 0 844
AMERICAN EXPRESS CO COM 025816109 573 4,727 SH   SOLE   0 0 4,727
AMGEN INC COM 031162100 473 2,055 SH   SOLE   0 0 2,055
ANALOG DEVICES INC COM 032654105 231 1,567 SH   SOLE   532 0 1,035
APPLE INC COM 037833100 45,918 346,040 SH   SOLE   57,828 0 288,212
APPLIED MATLS INC COM 038222105 282 3,271 SH   SOLE   0 0 3,271
AT&T INC COM 00206R102 400 13,926 SH   SOLE   105 0 13,821
BECTON DICKINSON & CO COM 075887109 247 983 SH   SOLE   55 0 928
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,435 7 SH   SOLE   4 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16,415 70,759 SH   SOLE   13,745 0 57,014
BILL COM HLDGS INC COM 090043100 54,975 402,739 SH   SOLE   0 0 402,739
BK OF AMERICA CORP COM 060505104 1,060 34,931 SH   SOLE   0 0 34,931
BOEING CO COM 097023105 362 1,696 SH   SOLE   908 0 788
BOX INC CL A 10316T104 984 54,514 SH   SOLE   0 0 54,514
BRISTOL-MYERS SQUIBB CO COM 110122108 422 6,824 SH   SOLE   2,017 0 4,807
BROADCOM INC COM 11135F101 284 650 SH   SOLE   0 0 650
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 286 6,636 SH   SOLE   0 0 6,636
CAPITAL ONE FINL CORP COM 14040H105 236 2,382 SH   SOLE   0 0 2,382
CATERPILLAR INC COM 149123101 440 2,427 SH   SOLE   244 0 2,183
CHARTER COMMUNICATIONS INC N CL A 16119P108 743 1,123 SH   SOLE   73 0 1,050
CHEVRON CORP NEW COM 166764100 1,151 13,626 SH   SOLE   2,632 0 10,994
CINCINNATI FINL CORP COM 172062101 1,571 17,979 SH   SOLE   0 0 17,979
CISCO SYS INC COM 17275R102 959 21,375 SH   SOLE   555 0 20,820
CLOROX CO DEL COM 189054109 248 1,229 SH   SOLE   71 0 1,158
CLOUDFLARE INC CL A COM 18915M107 456 6,004 SH   SOLE   6,004 0 0
COCA COLA CO COM 191216100 635 11,604 SH   SOLE   1,882 0 9,722
COMCAST CORP NEW CL A 20030N101 1,366 26,127 SH   SOLE   5,896 0 20,231
COSTCO WHSL CORP NEW COM 22160K105 317 840 SH   SOLE   450 0 390
DANAHER CORPORATION COM 235851102 1,654 7,433 SH   SOLE   3,174 0 4,259
DISNEY WALT CO COM 254687106 3,293 18,195 SH   SOLE   6,206 0 11,989
DOCUSIGN INC COM 256163106 3,721 16,739 SH   SOLE   0 0 16,739
DOMINION ENERGY INC COM 25746U109 212 2,827 SH   SOLE   0 0 2,827
DUKE ENERGY CORP NEW COM NEW 26441C204 255 2,767 SH   SOLE   65 0 2,702
ECOLAB INC COM 278865100 327 1,507 SH   SOLE   0 0 1,507
ELASTIC N V ORD SHS N14506104 1,620 11,082 SH   SOLE   617 0 10,465
EXXON MOBIL CORP COM 30231G102 383 9,322 SH   SOLE   613 0 8,709
FACEBOOK INC CL A 30303M102 12,960 47,441 SH   SOLE   2,217 0 45,224
FEDEX CORP COM 31428X106 379 1,459 SH   SOLE   0 0 1,459
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,222 40,973 SH   SOLE   40,973 0 0
FIFTH THIRD BANCORP COM 316773100 806 29,234 SH   SOLE   0 0 29,234
FLEXSHARES TR US QUALITY CAP 33939L746 330 8,023 SH   SOLE   0 0 8,023
GENERAL ELECTRIC CO COM 369604103 193 17,964 SH   SOLE   1,513 0 16,451
GUARDANT HEALTH INC COM 40131M109 294 2,285 SH   SOLE   0 0 2,285
HOME DEPOT INC COM 437076102 901 3,392 SH   SOLE   110 0 3,282
HONEYWELL INTL INC COM 438516106 340 1,596 SH   SOLE   400 0 1,196
HUNTINGTON BANCSHARES INC COM 446150104 452 35,790 SH   SOLE   0 0 35,790
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 13,023 407,867 SH   SOLE   18,000 0 389,867
INTEL CORP COM 458140100 915 18,398 SH   SOLE   2,181 0 16,217
INTERNATIONAL BUSINESS MACHS COM 459200101 496 3,912 SH   SOLE   148 0 3,764
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 563 3,660 SH   SOLE   3,660 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 390 1,243 SH   SOLE   0 0 1,243
ISHARES GOLD TRUST ISHARES 464285105 733 40,445 SH   SOLE   0 0 40,445
ISHARES INC CORE MSCI EMKT 46434G103 61,371 989,292 SH   SOLE   129,547 0 859,745
ISHARES INC EM MKTS DIV ETF 464286319 309 8,287 SH   SOLE   2,379 0 5,908
ISHARES INC MSCI EMERG MRKT 464286533 2,525 41,323 SH   SOLE   4,606 0 36,717
ISHARES INC MSCI GBL MIN VOL 464286525 251,132 2,591,362 SH   SOLE   541,257 0 2,050,105
ISHARES TR CORE MSCI EAFE 46432F842 3,779 54,713 SH   SOLE   19,281 0 35,432
ISHARES TR CORE S&P MCP ETF 464287507 245 1,063 SH   SOLE   112 0 951
ISHARES TR CORE S&P SCP ETF 464287804 1,135 12,348 SH   SOLE   0 0 12,348
ISHARES TR CORE S&P TTL STK 464287150 2,138 24,800 SH   SOLE   0 0 24,800
ISHARES TR CORE S&P US GWT 464287671 731 8,252 SH   SOLE   0 0 8,252
ISHARES TR CORE S&P US VLU 464287663 135,719 2,182,430 SH   SOLE   313,890 0 1,868,540
ISHARES TR CORE S&P500 ETF 464287200 34,415 91,689 SH   SOLE   10,426 0 81,263
ISHARES TR CORE US AGGBD ET 464287226 6,285 53,189 SH   SOLE   5,951 0 47,238
ISHARES TR DOW JONES US ETF 464287846 2,805 29,744 SH   SOLE   0 0 29,744
ISHARES TR EAFE GRWTH ETF 464288885 219 2,169 SH   SOLE   1,944 0 225
ISHARES TR EAFE SML CP ETF 464288273 3,500 51,207 SH   SOLE   12,392 0 38,815
ISHARES TR EAFE VALUE ETF 464288877 48,982 1,037,827 SH   SOLE   223,916 0 813,911
ISHARES TR GRWT ALLOCAT ETF 464289867 1,974 37,799 SH   SOLE   30,239 0 7,560
ISHARES TR IBOXX HI YD ETF 464288513 772 8,843 SH   SOLE   6,966 0 1,877
ISHARES TR IBOXX INV CP ETF 464287242 2,553 18,480 SH   SOLE   18,480 0 0
ISHARES TR INTL SEL DIV ETF 464288448 728 24,725 SH   SOLE   0 0 24,725
ISHARES TR MODERT ALLOC ETF 464289875 7,903 182,986 SH   SOLE   0 0 182,986
ISHARES TR MSCI ACWI ETF 464288257 4,570 50,393 SH   SOLE   4,498 0 45,895
ISHARES TR MSCI ACWI EX US 464288240 336 6,334 SH   SOLE   0 0 6,334
ISHARES TR MSCI EAFE ETF 464287465 3,181 43,597 SH   SOLE   0 0 43,597
ISHARES TR MSCI EAFE MIN VL 46429B689 3,424 46,647 SH   SOLE   2,490 0 44,157
ISHARES TR MSCI EMG MKT ETF 464287234 5,809 112,437 SH   SOLE   5,220 0 107,217
ISHARES TR MSCI LW CRB TG 46434V464 2,006 13,482 SH   SOLE   399 0 13,083
ISHARES TR MSCI USA MIN VOL 46429B697 7,460 109,901 SH   SOLE   10,823 0 99,078
ISHARES TR MSCI USA MMENTM 46432F396 326 2,020 SH   SOLE   0 0 2,020
ISHARES TR MSCI USA QLT FCT 46432F339 633 5,454 SH   SOLE   0 0 5,454
ISHARES TR NATIONAL MUN ETF 464288414 48,041 409,869 SH   SOLE   45,294 0 364,575
ISHARES TR RUS 1000 ETF 464287622 15,760 74,397 SH   SOLE   6,258 0 68,139
ISHARES TR RUS 1000 GRW ETF 464287614 1,674 6,945 SH   SOLE   0 0 6,945
ISHARES TR RUS 1000 VAL ETF 464287598 4,911 35,934 SH   SOLE   1,010 0 34,924
ISHARES TR RUS 2000 GRW ETF 464287648 708 2,470 SH   SOLE   0 0 2,470
ISHARES TR RUS 2000 VAL ETF 464287630 14,321 108,697 SH   SOLE   7,593 0 101,104
ISHARES TR RUS MD CP GR ETF 464287481 1,078 10,506 SH   SOLE   1,000 0 9,506
ISHARES TR RUS MID CAP ETF 464287499 2,635 38,446 SH   SOLE   12,883 0 25,563
ISHARES TR RUSSELL 2000 ETF 464287655 9,878 50,421 SH   SOLE   2,187 0 48,234
ISHARES TR RUSSELL 3000 ETF 464287689 4,609 20,623 SH   SOLE   3,022 0 17,601
ISHARES TR S&P 100 ETF 464287101 269 1,568 SH   SOLE   0 0 1,568
ISHARES TR S&P 500 GRWT ETF 464287309 461 7,220 SH   SOLE   7,220 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,225 12,734 SH   SOLE   0 0 12,734
ISHARES TR SHORT TREAS BD 464288679 1,675 15,158 SH   SOLE   0 0 15,158
ISHARES TR TIPS BD ETF 464287176 252 1,977 SH   SOLE   0 0 1,977
ISHARES TR U.S. MED DVC ETF 464288810 443 1,355 SH   SOLE   1,355 0 0
JFROG LTD ORD SHS M6191J100 759 12,086 SH   SOLE   0 0 12,086
JOHNSON & JOHNSON COM 478160104 3,741 23,774 SH   SOLE   4,708 0 19,066
JPMORGAN CHASE & CO COM 46625H100 2,952 23,170 SH   SOLE   5,191 0 17,979
KINDER MORGAN INC DEL COM 49456B101 348 25,428 SH   SOLE   0 0 25,428
LOWES COS INC COM 548661107 1,006 6,261 SH   SOLE   0 0 6,261
MARATHON OIL CORP COM 565849106 75 11,223 SH   SOLE   11,170 0 53
MARATHON PETE CORP COM 56585A102 219 5,306 SH   SOLE   4,394 0 912
MASTERCARD INCORPORATED CL A 57636Q104 759 2,132 SH   SOLE   0 0 2,132
MCDONALDS CORP COM 580135101 532 2,480 SH   SOLE   366 0 2,114
MERCK & CO. INC COM 58933Y105 1,032 12,651 SH   SOLE   1,059 0 11,592
MICROSOFT CORP COM 594918104 9,335 41,979 SH   SOLE   2,678 0 39,301
NEXTERA ENERGY INC COM 65339F101 485 6,296 SH   SOLE   0 0 6,296
NIKE INC CL B 654106103 737 5,213 SH   SOLE   2,576 0 2,637
NOKIA CORP SPONSORED ADR 654902204 78 20,000 SH   SOLE   0 0 20,000
NOVARTIS AG SPONSORED ADR 66987V109 257 2,731 SH   SOLE   0 0 2,731
ORACLE CORP COM 68389X105 1,033 15,958 SH   SOLE   900 0 15,058
PAYCHEX INC COM 704326107 1,027 11,035 SH   SOLE   23 0 11,012
PAYPAL HLDGS INC COM 70450Y103 872 3,722 SH   SOLE   1,618 0 2,104
PEPSICO INC COM 713448108 2,902 19,576 SH   SOLE   5,474 0 14,102
PFIZER INC COM 717081103 906 24,584 SH   SOLE   267 0 24,317
PROCTER AND GAMBLE CO COM 742718109 3,093 22,233 SH   SOLE   647 0 21,586
QUALCOMM INC COM 747525103 1,927 12,674 SH   SOLE   5,105 0 7,569
RAYTHEON TECHNOLOGIES CORP COM 75513E101 890 12,389 SH   SOLE   2,687 0 9,702
REALTY INCOME CORP COM 756109104 322 5,194 SH   SOLE   0 0 5,194
RESTAURANT BRANDS INTL INC COM 76131D103 799 13,072 SH   SOLE   0 0 13,072
ROYAL BK CDA COM 780087102 3,000 36,562 SH   SOLE   0 0 36,562
SALESFORCE COM INC COM 79466L302 2,865 12,871 SH   SOLE   8,688 0 4,183
SCHWAB CHARLES CORP COM 808513105 1,342 25,283 SH   SOLE   5,441 0 19,842
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 238 7,750 SH   SOLE   5,193 0 2,557
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,030 71,865 SH   SOLE   31,155 0 40,710
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,897 64,829 SH   SOLE   22,846 0 41,983
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 754 13,457 SH   SOLE   8,104 0 5,353
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 844 13,155 SH   SOLE   0 0 13,155
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 953 16,019 SH   SOLE   9,360 0 6,659
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,455 48,976 SH   SOLE   21,346 0 27,630
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,365 20,032 SH   SOLE   7,109 0 12,923
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 265 2,964 SH   SOLE   1,221 0 1,743
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 11,679 396,139 SH   SOLE   326 0 395,813
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 305 2,343 SH   SOLE   0 0 2,343
SEMPRA ENERGY COM 816851109 287 2,261 SH   SOLE   2,207 0 54
SILGAN HOLDINGS INC COM 827048109 858 23,128 SH   SOLE   0 0 23,128
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 220 721 SH   SOLE   0 0 721
SPDR GOLD TR GOLD SHS 78463V107 521 2,925 SH   SOLE   0 0 2,925
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 892 26,189 SH   SOLE   1,041 0 25,148
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 935 14,379 SH   SOLE   2,215 0 12,164
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 823 23,245 SH   SOLE   2,325 0 20,920
SPDR S&P 500 ETF TR TR UNIT 78462F103 25,757 68,881 SH   SOLE   7,603 0 61,278
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,286 3,063 SH   SOLE   27 0 3,036
SPDR SER TR BLMBRG BRC CNVRT 78464A359 269 3,252 SH   SOLE   3,252 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284 4,100 69,491 SH   SOLE   6,678 0 62,813
SPDR SER TR S&P DIVID ETF 78464A763 764 7,212 SH   SOLE   0 0 7,212
STARBUCKS CORP COM 855244109 280 2,612 SH   SOLE   476 0 2,136
TARGET CORP COM 87612E106 327 1,854 SH   SOLE   788 0 1,066
TESLA INC COM 88160R101 607 860 SH   SOLE   0 0 860
THERMO FISHER SCIENTIFIC INC COM 883556102 741 1,592 SH   SOLE   0 0 1,592
TJX COS INC NEW COM 872540109 1,949 28,516 SH   SOLE   11,537 0 16,979
TRUIST FINL CORP COM 89832Q109 415 8,659 SH   SOLE   246 0 8,413
UNION PAC CORP COM 907818108 1,941 9,337 SH   SOLE   3,131 0 6,206
UNITED PARCEL SERVICE INC CL B 911312106 230 1,376 SH   SOLE   20 0 1,356
UNITEDHEALTH GROUP INC COM 91324P102 928 2,647 SH   SOLE   790 0 1,857
US BANCORP DEL COM NEW 902973304 1,243 26,728 SH   SOLE   2,372 0 24,356
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 740 4,353 SH   SOLE   2,441 0 1,912
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,095 17,829 SH   SOLE   3,605 0 14,224
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,177 14,182 SH   SOLE   0 0 14,182
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 46,581 528,150 SH   SOLE   68,046 0 460,104
VANGUARD INDEX FDS GROWTH ETF 922908736 664 2,622 SH   SOLE   0 0 2,622
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,389 7,902 SH   SOLE   0 0 7,902
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,340 27,536 SH   SOLE   8,528 0 19,008
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 49,610 144,377 SH   SOLE   17,184 0 127,193
VANGUARD INDEX FDS SM CP VAL ETF 922908611 154,385 1,085,504 SH   SOLE   158,793 0 926,711
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,244 11,521 SH   SOLE   0 0 11,521
VANGUARD INDEX FDS SML CP GRW ETF 922908595 661 2,471 SH   SOLE   0 0 2,471
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,564 43,990 SH   SOLE   27,694 0 16,296
VANGUARD INDEX FDS VALUE ETF 922908744 1,333 11,197 SH   SOLE   0 0 11,197
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 19,161 328,343 SH   SOLE   23,035 0 305,308
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,247 124,693 SH   SOLE   9,506 0 115,187
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,109 9,102 SH   SOLE   4,910 0 4,192
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,639 30,160 SH   SOLE   8,540 0 21,620
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 443 4,781 SH   SOLE   0 0 4,781
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,122 74,704 SH   SOLE   0 0 74,704
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,929 19,869 SH   SOLE   1,513 0 18,356
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 606 9,829 SH   SOLE   0 0 9,829
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,003 36,067 SH   SOLE   5,134 0 30,933
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 83,796 593,597 SH   SOLE   84,133 0 509,464
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,599 97,396 SH   SOLE   23,335 0 74,061
VANGUARD WORLD FDS INF TECH ETF 92204A702 5,062 14,309 SH   SOLE   3,519 0 10,790
VANGUARD WORLD FDS MATERIALS ETF 92204A801 331 2,110 SH   SOLE   410 0 1,700
VERIZON COMMUNICATIONS INC COM 92343V104 1,015 17,275 SH   SOLE   6,405 0 10,870
VISA INC COM CL A 92826C839 979 4,473 SH   SOLE   356 0 4,117
WALMART INC COM 931142103 517 3,587 SH   SOLE   0 0 3,587
WELLS FARGO CO NEW COM 949746101 670 22,208 SH   SOLE   0 0 22,208
WISDOMTREE TR EMER MKT HIGH FD 97717W315 39,632 963,418 SH   SOLE   162,960 0 800,458
WORKDAY INC CL A 98138H101 252 1,051 SH   SOLE   0 0 1,051