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
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 8,194 209,405 SH   SOLE   209,405 0 0
CIGNA CORP NEW COM 125523100 7,399 39,450 SH   SOLE   39,450 0 0
CNOOC LIMITED SPONSORED ADR 126132109 208 1,855 SH   SOLE   1,855 0 0
CATERPILLAR INC DEL COM 149123101 18,021 143,879 SH   SOLE   143,879 0 0
CRANE CO COM 224399105 2,863 48,681 SH   SOLE   48,681 0 0
DBX ETF TR XTRCKR MSCI US 233051150 1,898 67,910 SH   SOLE   67,910 0 0
DISNEY WALT CO COM DISNEY 254687106 11,912 106,813 SH   SOLE   106,813 0 0
GAP INC COM 364760108 182 14,516 SH   SOLE   14,516 0 0
HOME DEPOT INC COM 437076102 31,992 129,986 SH   SOLE   129,986 0 0
HUNTINGTON BANCSHARES INC COM 446150104 190 21,420 SH   SOLE   21,420 0 0
INGREDION INC COM 457187102 4,502 55,387 SH   SOLE   55,387 0 0
INTEL CORP COM 458140100 341 5,857 SH   SOLE   5,857 0 0
ISHARES INC MSCI STH KOR ETF 464286772 29,659 518,518 SH   SOLE   518,518 0 0
ISHARES INC MSCI GERMANY ETF 464286806 35,994 1,333,102 SH   SOLE   1,333,102 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 5,361 78,768 SH   SOLE   78,768 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 30,776 1,588,047 SH   SOLE   1,588,047 0 0
ISHARES TR CORE S&P US GWT 464287671 216 3,030 SH   SOLE   3,030 0 0
ISHARES TR EAFE SML CP ETF 464288273 13,758 256,248 SH   SOLE   256,248 0 0
ISHARES TR NATIONAL MUN ETF 464288414 15,705 136,053 SH   SOLE   136,053 0 0
KROGER CO COM 501044101 340 9,968 SH   SOLE   9,968 0 0
MCDONALDS CORP COM 580135101 24,156 132,147 SH   SOLE   132,147 0 0
PEABODY ENERGY CORP NEW COM 704551100 460 155,431 SH   SOLE   155,431 0 0
RAYTHEON CO COM NEW 755111507 11,865 191,625 SH   SOLE   191,625 0 0
SCHWAB CHARLES CORP COM 808513105 25,944 792,196 SH   SOLE   792,196 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,533 68,026 SH   SOLE   68,026 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,417 126,950 SH   SOLE   126,950 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,662 198,162 SH   SOLE   198,162 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,469 28,462 SH   SOLE   28,462 0 0
TEXAS INSTRS INC COM 882508104 17,271 138,421 SH   SOLE   138,421 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 6,848 155,275 SH   SOLE   155,275 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 3,752 33,647 SH   SOLE   33,647 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 210 2,249 SH   SOLE   2,249 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,864 36,904 SH   SOLE   36,904 0 0
ABBVIE INC COM 00287Y109 4,054 42,032 SH   SOLE   42,032 0 0
ALIGN TECHNOLOGY INC COM 016255101 313 1,175 SH   SOLE   1,175 0 0
ALPHABET INC CAP STK CL C 02079K107 117,305 84,091 SH   SOLE   84,091 0 0
ALPHABET INC CAP STK CL A 02079K305 149,761 107,189 SH   SOLE   107,189 0 0
Altria Group Inc. COM 02209S103 15,772 402,028 SH   SOLE   402,028 0 0
AMAZON COM INC COM 023135106 59,541 22,214 SH   SOLE   22,214 0 0
AMBEV SA SPONSORED ADR 02319V103 7,767 2,898,270 SH   SOLE   2,898,270 0 0
AMERICAN ELEC PWR CO INC COM 025537101 303 3,804 SH   SOLE   3,804 0 0
American Express Co COM 025816109 15,394 162,860 SH   SOLE   162,860 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 4,756 155,033 SH   SOLE   155,033 0 0
AMERICAN TOWER CORP NEW COM 03027X100 222 876 SH   SOLE   876 0 0
AMERISOURCEBERGEN CORP COM 03073E105 90,854 917,809 SH   SOLE   917,809 0 0
Amgen Inc COM 031162100 28,520 123,163 SH   SOLE   123,163 0 0
ANALOG DEVICES INC COM 032654105 23,181 194,801 SH   SOLE   194,801 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 7,224 146,525 SH   SOLE   146,525 0 0
ANTHEM INC COM 036752103 47,799 184,360 SH   SOLE   184,360 0 0
APPLE INC COM 037833100 2,364 6,535 SH   SOLE   6,535 0 0
AUTOZONE INC COM 053332102 353 313 SH   SOLE   313 0 0
BAIDU INC SPON ADR REP A 056752108 9,713 80,079 SH   SOLE   80,079 0 0
BANK NEW YORK MELLON CORP COM 064058100 25,418 687,894 SH   SOLE   687,894 0 0
BARCLAYS PLC ADR 06738E204 300 53,560 SH   SOLE   53,560 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 95,259 537,608 SH   SOLE   537,608 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 430 3,521 SH   SOLE   3,521 0 0
BIOGEN INC COM 09062X103 6,612 25,398 SH   SOLE   25,398 0 0
BLACKROCK INC COM 09247X101 21,299 39,971 SH   SOLE   39,971 0 0
BOOKING HLDGS INC COM 09857L108 104,971 65,886 SH   SOLE   65,886 0 0
CAMECO CORP COM 13321L108 4,076 403,956 SH   SOLE   403,956 0 0
Capital One Finl Corp COM 14040H105 4,544 72,851 SH   SOLE   72,851 0 0
CarMax Inc COM 143130102 39,294 441,600 SH   SOLE   441,600 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 2,281 103,102 SH   SOLE   103,102 0 0
CENTERPOINT ENERGY INC COM 15189T107 16,533 887,906 SH   SOLE   887,906 0 0
CERNER CORP COM 156782104 308 4,527 SH   SOLE   4,527 0 0
CITIGROUP INC COM NEW 172967424 6,487 128,993 SH   SOLE   128,993 0 0
COCA COLA CO COM 191216100 24,536 553,114 SH   SOLE   553,114 0 0
COMCAST CORP NEW CL A 20030N101 83,110 2,134,309 SH   SOLE   2,134,309 0 0
Compass Minerals Intl Inc COM 20451N101 21,844 452,062 SH   SOLE   452,062 0 0
CORTEVA INC COM 22052L104 6,506 248,873 SH   SOLE   248,873 0 0
CREDIT SUISSE GROUP SPONSORED ADR 225401108 385 37,900 SH   SOLE   37,900 0 0
DIAMONDBACK ENERGY INC COM 25278X109 5,293 127,750 SH   SOLE   127,750 0 0
DISCOVERY COMMUNICATNS NEW COM SER A 25470F104 4,246 200,011 SH   SOLE   200,011 0 0
DOLLAR TREE INC COM 256746108 8,488 90,612 SH   SOLE   90,612 0 0
DOMINION RES INC VA NEW COM 25746U109 42,855 531,631 SH   SOLE   531,631 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 33,917 422,641 SH   SOLE   422,641 0 0
eBay Inc COM 278642103 48,904 953,117 SH   SOLE   953,117 0 0
ENBRIDGE INC COM 29250N105 137,497 4,539,349 SH   SOLE   4,539,349 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 13,879 791,752 SH   SOLE   791,752 0 0
EXPEDIA INC DEL COM NEW 30212P303 505 6,110 SH   SOLE   6,110 0 0
Exxon Mobil Corp COM 30231G102 27,165 612,929 SH   SOLE   612,929 0 0
FACEBOOK INC CL A 30303M102 140,250 635,648 SH   SOLE   635,648 0 0
FIDELITY MSCI UTILS INDEX 316092865 9,534 262,653 SH   SOLE   262,653 0 0
FIFTH THIRD BANCORP COM 316773100 338 18,020 SH   SOLE   18,020 0 0
FIRSTENERGY CORP COM 337932107 16,364 430,732 SH   SOLE   430,732 0 0
FRANKLIN TEMPLETON ETF TR FTSE JAPAN ETF 35473P744 14,912 606,679 SH   SOLE   606,679 0 0
General Dynamics Corp COM 369550108 32,402 216,971 SH   SOLE   216,971 0 0
GENERAL MLS INC COM 370334104 25,698 423,079 SH   SOLE   423,079 0 0
GENERAL MTRS CO COM 37045V100 4,118 162,785 SH   SOLE   162,785 0 0
GENUINE PARTS CO COM 372460105 19,094 219,420 SH   SOLE   219,420 0 0
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 22,886 943,373 SH   SOLE   943,373 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 219 9,303 SH   SOLE   9,303 0 0
HALLIBURTON CO COM 406216101 243 19,536 SH   SOLE   19,536 0 0
HANESBRANDS INC COM 410345102 23,775 2,132,317 SH   SOLE   2,132,317 0 0
HOSTESS BRANDS INC CL A 44109J106 362 29,580 SH   SOLE   29,580 0 0
INVESCO EXCHANGE TRADED FD T GBL LISTED PVT 46137V589 9,319 910,074 SH   SOLE   910,074 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 16,781 793,057 SH   SOLE   793,057 0 0
IQVIA HLDGS INC COM 46266C105 87,385 635,434 SH   SOLE   635,434 0 0
ISHARES TR TIPS BD ETF 464287176 16,391 133,043 SH   SOLE   133,043 0 0
ISHARES TR CORE S&P500 ETF 464287200 32,316 105,724 SH   SOLE   105,724 0 0
ISHARES TR JP MOR EM MK ETF 464288281 70,193 645,156 SH   SOLE   645,156 0 0
ISHARES IBOXX HI YD ETF 464288513 23,034 284,791 SH   SOLE   284,791 0 0
ISHARES TR EAFE VALUE ETF 464288877 96,393 2,408,618 SH   SOLE   2,408,618 0 0
ISHARES TR ESG 1 5 YR USD 46435G243 337 12,975 SH   SOLE   12,975 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 70,180 2,724,381 SH   SOLE   2,724,381 0 0
ISHARES TR ESG US AGR BD 46435U549 3,794 67,141 SH   SOLE   67,141 0 0
ISHARES TR ESG MSCI USA SML 46435U663 829 33,643 SH   SOLE   33,643 0 0
ISHARES TR BROAD USD HIGH 46435U853 52,281 1,383,814 SH   SOLE   1,383,814 0 0
JPMorgan Chase & Co. COM 46625H100 19,816 213,076 SH   SOLE   213,076 0 0
JP MORGAN EXCHANGE TRADED FD BETBULD JAPAN 46641Q712 48,940 2,111,319 SH   SOLE   2,111,319 0 0
Johnson & Johnson COM 478160104 35,076 252,274 SH   SOLE   252,274 0 0
KEYCORP NEW COM 493267108 431 36,281 SH   SOLE   36,281 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 9,725 60,019 SH   SOLE   60,019 0 0
LAMAR ADVERTISING CO NEW CL A 512816109 31,787 477,858 SH   SOLE   477,858 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 11,273 7,565,999 SH   SOLE   7,565,999 0 0
Lowes Cos Inc COM 548661107 100,084 749,580 SH   SOLE   749,580 0 0
LYFT INC CL A COM 55087P104 25,728 778,225 SH   SOLE   778,225 0 0
Magellan Midstream Prtnrs LP COM UNIT RP LP 559080106 15,725 374,144 SH   SOLE   374,144 0 0
MasterCard Inc CL A 57636Q104 196,462 670,676 SH   SOLE   670,676 0 0
MCKESSON CORP COM 58155Q103 16,510 108,786 SH   SOLE   108,786 0 0
MERCK & CO. INC COM 58933Y105 7,774 102,128 SH   SOLE   102,128 0 0
Microsoft Corp COM 594918104 128,359 646,843 SH   SOLE   646,843 0 0
MIZUHO FINL GROUP INC SPONSORED ADR 60687Y109 144 58,724 SH   SOLE   58,724 0 0
MOLSON COORS BREWING CO CL B 60871R209 272 7,683 SH   SOLE   7,683 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 182 39,850 SH   SOLE   39,850 0 0
Novartis A G SPONSORED ADR 66987V109 43,747 500,940 SH   SOLE   500,940 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 208 492 SH   SOLE   492 0 0
OMNICOM GROUP INC COM 681919106 24,491 451,116 SH   SOLE   451,116 0 0
ORACLE CORP COM 68389X105 47,825 873,352 SH   SOLE   873,352 0 0
ORANGE SPONSORED ADR 684060106 127 10,701 SH   SOLE   10,701 0 0
OVINTIV INC COM 69047Q102 253 26,987 SH   SOLE   26,987 0 0
Pepsico Inc COM 713448108 20,556 156,818 SH   SOLE   156,818 0 0
PFIZER INC COM 717081103 45,327 1,388,688 SH   SOLE   1,388,688 0 0
Philip Morris Intl Inc COM 718172109 24,319 344,901 SH   SOLE   344,901 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 231 4,342 SH   SOLE   4,342 0 0
PLAINS GP HLDGS L P LTD PARTNR INT A 72651A207 6,370 747,696 SH   SOLE   747,696 0 0
Procter & Gamble Co COM 742718109 37,820 321,438 SH   SOLE   321,438 0 0
QUALCOMM INC COM 747525103 2,490 27,978 SH   SOLE   27,978 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 3,980 82,106 SH   SOLE   82,106 0 0
SPDR SERIES TRUST INTR TRM CORP BD 78464A375 347 9,521 SH   SOLE   9,521 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 218 7,530 SH   SOLE   7,530 0 0
SPDR SERIES TRUST PORTFOLIO SM ETF 78468R853 8,336 318,177 SH   SOLE   318,177 0 0
SANOFI SPONSORED ADR 80105N105 31,122 609,273 SH   SOLE   609,273 0 0
SCHLUMBERGER LTD COM 806857108 306 17,003 SH   SOLE   17,003 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 52,200 2,209,051 SH   SOLE   2,209,051 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 62,916 1,046,509 SH   SOLE   1,046,509 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 13,622 199,420 SH   SOLE   199,420 0 0
SPIRIT RLTY CAP INC NEW COM NEW 84860W300 17,865 515,591 SH   SOLE   515,591 0 0
STARBUCKS CORP COM 855244109 8,987 122,301 SH   SOLE   122,301 0 0
STERICYCLE INC COM 858912108 6,822 123,456 SH   SOLE   123,456 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 268 47,434 SH   SOLE   47,434 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 1,124 62,082 SH   SOLE   62,082 0 0
TATA MTRS LTD SPONSORED ADR 876568502 151 22,529 SH   SOLE   22,529 0 0
TELEFONICA S A SPONSORED ADR 879382208 284 58,162 SH   SOLE   58,162 0 0
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADR 881624209 281 23,039 SH   SOLE   23,039 0 0
TRUIST FINL CORP COM 89832Q109 15,606 424,769 SH   SOLE   424,769 0 0
US Bancorp Del COM NEW 902973304 8,508 234,059 SH   SOLE   234,059 0 0
UBER TECHNOLOGIES INC COM 90353T100 30,430 1,026,985 SH   SOLE   1,026,985 0 0
UNILEVER PLC SPON ADR NEW 904767704 43,536 787,688 SH   SOLE   787,688 0 0
UNITED PARCEL SERVICE INC CL B 911312106 29,356 268,143 SH   SOLE   268,143 0 0
UNITEDHEALTH GROUP INC COM 91324P102 48,454 167,219 SH   SOLE   167,219 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 24,603 799,571 SH   SOLE   799,571 0 0
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 3,061 51,748 SH   SOLE   51,748 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 181,036 2,178,790 SH   SOLE   2,178,790 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 538,377 6,100,588 SH   SOLE   6,100,588 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 166,382 4,288,168 SH   SOLE   4,288,168 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,840 36,650 SH   SOLE   36,650 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 304 6,361 SH   SOLE   6,361 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 96,847 2,432,724 SH   SOLE   2,432,724 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 31,802 631,621 SH   SOLE   631,621 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 29,933 201,609 SH   SOLE   201,609 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 4,903 99,607 SH   SOLE   99,607 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 30,307 538,120 SH   SOLE   538,120 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 2,053 10,840 SH   SOLE   10,840 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,729 57,256 SH   SOLE   57,256 0 0
VANGUARD SCOTTSDALE FDS INT-TERM GOV 92206C706 89,458 1,266,571 SH   SOLE   1,266,571 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 46,769 859,416 SH   SOLE   859,416 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 44,355 467,142 SH   SOLE   467,142 0 0
VENTAS INC COM 92276F100 14,355 391,134 SH   SOLE   391,134 0 0
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 24,546 453,374 SH   SOLE   453,374 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 14,462 153,236 SH   SOLE   153,236 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 26,654 164,378 SH   SOLE   164,378 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7,241 36,844 SH   SOLE   36,844 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 28,840 273,131 SH   SOLE   273,131 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 88,828 550,601 SH   SOLE   550,601 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 93,479 471,189 SH   SOLE   471,189 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 124,113 1,260,415 SH   SOLE   1,260,415 0 0
Vanguard Index Fds SMALL CP ETF 922908751 4,664 32,421 SH   SOLE   32,421 0 0
Vanguard Index Fds STK MRK ETF 922908769 345,039 2,236,882 SH   SOLE   2,236,882 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 25,204 460,844 SH   SOLE   460,844 0 0
VISA INC COM CL A 92826C839 107,597 562,214 SH   SOLE   562,214 0 0
WPP PLC NEW ADR 92937A102 8,487 220,201 SH   SOLE   220,201 0 0
Wells Fargo Co NEW COM 949746101 55,383 2,154,999 SH   SOLE   2,154,999 0 0
WELLTOWER INC COM 95040Q104 10,166 198,313 SH   SOLE   198,313 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 5,445 128,683 SH   SOLE   128,683 0 0
YUM CHINA HLDGS INC COM 98850P109 205 4,181 SH   SOLE   4,181 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 6,564 56,153 SH   SOLE   56,153 0 0
INVESCO LTD SHS G491BT108 138 13,241 SH   SOLE   13,241 0 0
MEDTRONIC PLC SHS G5960L103 8,222 91,092 SH   SOLE   91,092 0 0
UBS GROUP AG SHS H42097107 161 14,154 SH   SOLE   14,154 0 0
MILLICOM INTL CELLULAR SA COM STK L6388F110 301 11,705 SH   SOLE   11,705 0 0
CORE LABORATORIES N V COM N22717107 7,449 384,565 SH   SOLE   384,565 0 0
FIAT CHRYSLER AUTOMOBILES N SHS N31738102 175 17,643 SH   SOLE   17,643 0 0