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
APPLE INC COMMON 037833100 391 1,747 SH   SOLE 0 1,747 0 0
ARCHER-DANIELS-MIDLND CO COMMON 039483102 55 1,343 SH   SOLE 0 1,343 0 0
AUTO DATA PROCESSING COMMON 053015103 7 45 SH   SOLE 0 45 0 0
AMERICAN ELECTRIC POWER COMMON 025537101 154 1,640 SH   SOLE 0 1,640 0 0
BARCLAYS AGGREGATE BOND FUND COMMON 464287226 2,713 23,973 SH   SOLE 0 23,973 0 0
APOLLO INVESTMENT CORP COMMON 03761U502 2 153 SH   SOLE 0 153 0 0
JPMORGAN ALERIAN MLP ETN COMMON 46625H365 840 36,103 SH   SOLE 0 36,103 0 0
AMER NATIONAL BANKSHARES INC C OM COMMON 027745108 9 263 SH   SOLE 0 263 0 0
AMAZON COMMON 023135106 161 93 SH   SOLE 0 93 0 0
ANTHEM INC COM COMMON 036752103 24 100 SH   SOLE 0 100 0 0
ARES CAPITAL CORPORATION COMMON 04010L103 4 220 SH   SOLE 0 220 0 0
ACTIVISION BLIZZARD INC COMMON 00507V109 2 40 SH   SOLE 0 40 0 0
ATLANTIC UNION BANKSHARES CORP COM COMMON 04911A107 11 292 SH   SOLE 0 292 0 0
AVANOS MEDICAL INC COMMON 05350V106 0 4 SH   SOLE 0 4 0 0
BANK OF AMERICA CORP COMMON 060505104 89 3,060 SH   SOLE 0 3,060 0 0
SPDR SER TR LEHMAN 1-3 MONTH T-BILL ETF COMMON 78468R663 6,412 70,003 SH   SOLE 0 70,003 0 0
POWERSHARES SENIOR LOAN ETF COMMON 46138G508 283 12,523 SH   SOLE 0 12,523 0 0
BRISTOL MYERS SQUIBB COMMON 110122108 18 350 SH   SOLE 0 350 0 0
VANGUARD TOTAL INTL BOND COMMON 92203J407 75 1,279 SH   SOLE 0 1,279 0 0
BERKSHIRE HATHAWAY INC DEL CL B COMMON 084670702 213 1,025 SH   SOLE 0 1,025 0 0
CATERPILLAR INC COMMON 149123101 17 135 SH   SOLE 0 135 0 0
CDK GLOBAL HOLDINGS LLC COM COMMON 12508E101 1 15 SH   SOLE 0 15 0 0
COMCAST CORP NEW CL A COMMON 20030N101 10 224 SH   SOLE 0 224 0 0
COVETRUS INC COMMON 22304C100 0 13 SH   SOLE 0 13 0 0
CHEVRONTEXACO CORP COMMON 166764100 49 413 SH   SOLE 0 413 0 0
CYPRESS SEMICONDUCTOR CORP-DEL COMMON 232806109 117 5,000 SH   SOLE 0 5,000 0 0
DOMINION RES INC VA NEW COMMON 25746U109 114 1,404 SH   SOLE 0 1,404 0 0
DBX TRACKERS MSCI ETF COMMON 233051200 1,159 35,848 SH   SOLE 0 35,848 0 0
WISDOMTREE SMALL CAP DIVIDEND COMMON 97717W604 9 327 SH   SOLE 0 327 0 0
DANAHER CORP DEL COMMON 235851102 192 1,326 SH   SOLE 0 1,326 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE COMMON 78467X109 204 759 SH   SOLE 0 759 0 0
DISNEY WALT CO COMMON 254687106 26 200 SH   SOLE 0 200 0 0
WISDOMTREE US MIDCAP DIVIDEND ETF COMMON 97717W505 10 273 SH   SOLE 0 273 0 0
ISHARES MSCI KLD 400 SOCIAL COMMON 464288570 1,529 13,782 SH   SOLE 0 13,782 0 0
WISDOMTREE INTERNATIONAL HIGH DIV ETF COMMON 97717W802 36 920 SH   SOLE 0 920 0 0
DUKE ENERGY CORPORATION COMMON 26441C204 9 99 SH   SOLE 0 99 0 0
CONSOLIDATED EDISON INC COMMON 209115104 39 416 SH   SOLE 0 416 0 0
MSCI EMERGING MKTS INDEX FUND COMMON 464287234 184 4,508 SH   SOLE 0 4,508 0 0
ISHARES MSCI EAFE INDEX FUND COMMON 464287465 1,086 16,649 SH   SOLE 0 16,649 0 0
ISHARES MSCI EAFE MINIMUM VOLATILITY COMMON 46429B689 14 189 SH   SOLE 0 189 0 0
MSCI EAFE VALUE INDEX FUND COMMON 464288877 108 2,279 SH   SOLE 0 2,279 0 0
ENDOLOGIX INC COM COMMON 29266S304 1 300 SH   SOLE 0 300 0 0
EMCOR GROUP INC COMMON 29084Q100 53 612 SH   SOLE 0 612 0 0
EMERSON ELECTRIC CO COMMON 291011104 19 290 SH   SOLE 0 290 0 0
ENBRIDGE INC COMMON 29250N105 5 135 SH   SOLE 0 135 0 0
EVOLUS INC COM COMMON 30052C107 16 1,000 SH   SOLE 0 1,000 0 0
EPR PROPERTIES COMMON 26884U109 4 54 SH   SOLE 0 54 0 0
EVERGY INC COMMON 30034W106 20 294 SH   SOLE 0 294 0 0
ISHARES MSCI CANADA INDEX FUND COMMON 464286509 4 139 SH   SOLE 0 139 0 0
SPDR INDEX SHS FDS S&P EMERGING MKTS SM COMMON 78463X756 179 4,125 SH   SOLE 0 4,125 0 0
FACEBOOK INC COMMON 30303M102 45 255 SH   SOLE 0 255 0 0
FREEPORT MCMORAN COPPER & GOLD INC. COMMON 35671D857 11 1,100 SH   SOLE 0 1,100 0 0
GENERAL ELECTRIC COMPANY COMMON 369604103 8 922 SH   SOLE 0 922 0 0
SPDR S&P EMERGING MARKET COMMON 78463X509 71 2,074 SH   SOLE 0 2,074 0 0
ALPHABET INC CLASS C COMMON 02079K107 10 8 SH   SOLE 0 8 0 0
ALPHABET INC CLASS A COMMON 02079K305 46 38 SH   SOLE 0 38 0 0
ISHARES US TREASURY BOND COMMON 46429B267 2,829 107,452 SH   SOLE 0 107,452 0 0
GOLDMAN SACHS GROUP INC COMMON 38141G104 23 110 SH   SOLE 0 110 0 0
HUNTINGTON BANCSHARES INC COM COMMON 446150104 12 846 SH   SOLE 0 846 0 0
HOME DEPOT COMMON 437076102 66 284 SH   SOLE 0 284 0 0
VANECK VECTORS HIGH YIELD MUN INDEX ETF NEW COMMON 92189H409 826 12,817 SH   SOLE 0 12,817 0 0
CORPORATE HIGH YIELD FD VI INC COMMON 09255P107 17 1,575 SH   SOLE 0 1,575 0 0
IBM COMMON 459200101 69 478 SH   SOLE 0 478 0 0
INTERDIGITAL INC PA COMMON 45867G101 80 1,525 SH   SOLE 0 1,525 0 0
BARCLAYS 7-10 YR TREASURY INDEX COMMON 464287440 241,710 2,149,105 SH   SOLE 0 2,149,105 0 0
BARCLAYS 3-7 YR TREASURY INDEX FUND COMMON 464288661 9,086 71,656 SH   SOLE 0 71,656 0 0
S&P MIDCAP 400 COMMON 464287507 701 3,630 SH   SOLE 0 3,630 0 0
S&P MIDCAP 400/BARRA VALUE COMMON 464287705 350 2,190 SH   SOLE 0 2,190 0 0
S&P MIDCAP 400/BARRA GROWTH COMMON 464287606 252 1,126 SH   SOLE 0 1,126 0 0
S&P SMALLCAP 600 INDEX FUND COMMON 464287804 158 2,025 SH   SOLE 0 2,025 0 0
INTEL CORP COMMON 458140100 28 544 SH   SOLE 0 544 0 0
ISHARES CORE S&P TOTAL US STOCK MKT COMMON 464287150 12,110 180,565 SH   SOLE 0 180,565 0 0
ISHARES S&P 500 VALUE ETF COMMON 464287408 180 1,510 SH   SOLE 0 1,510 0 0
S&P 500 INDEX FUND COMMON 464287200 3,473 11,633 SH   SOLE 0 11,633 0 0
S&P 500 BARRA GROWTH INDEX FUND COMMON 464287309 406 2,254 SH   SOLE 0 2,254 0 0
RUSSELL 1000 VALUE INDEX FUND COMMON 464287598 347 2,705 SH   SOLE 0 2,705 0 0
RUSSELL 2000 INDEX FUND COMMON 464287655 557 3,681 SH   SOLE 0 3,681 0 0
RUSSELL 2000 VALUE INDEX FUND COMMON 464287630 103 862 SH   SOLE 0 862 0 0
RUSSELL 2000 GROWTH INDEX FUND COMMON 464287648 111 574 SH   SOLE 0 574 0 0
RUSSELL 3000 INDEX FUND COMMON 464287689 2,258 12,993 SH   SOLE 0 12,993 0 0
ISHARES CORE MSCI TOTAL INTL STK COMMON 46432F834 7,174 124,200 SH   SOLE 0 124,200 0 0
JOHNSON & JOHNSON COMMON 478160104 125 969 SH   SOLE 0 969 0 0
J P MORGAN CHASE & CO COMMON 46625H100 27 230 SH   SOLE 0 230 0 0
KRAFT HEINZ CO COM COMMON 500754106 11 390 SH   SOLE 0 390 0 0
KIMBERLY-CLARK CORP COMMON 494368103 2 12 SH   SOLE 0 12 0 0
KEMPHARM INC COM COMMON 488445107 1 2,000 SH   SOLE 0 2,000 0 0
L3HARRIS TECHNOLOGIES COMMON 502431109 26 125 SH   SOLE 0 125 0 0
LOCKHEED MARTIN CORP COMMON 539830109 29 75 SH   SOLE 0 75 0 0
MASTERCARD INC CL A COMMON 57636Q104 27 101 SH   SOLE 0 101 0 0
MCDONALD'S COMMON 580135101 87 404 SH   SOLE 0 404 0 0
MONDELEZ INTL INC COM COMMON 609207105 57 1,031 SH   SOLE 0 1,031 0 0
MID CAP S P D R TRUST COMMON 78467Y107 196 556 SH   SOLE 0 556 0 0
MICRO FOCUS INTL PLC COMMON 594837403 0 4 SH   SOLE 0 4 0 0
PIMCO ENHANCED SHORT MATURITY ACTIVE ETF COMMON 72201R833 1,309 12,865 SH   SOLE 0 12,865 0 0
UBS AG JERSEY 2040F COMMON 902641646 9 419 SH   SOLE 0 419 0 0
3M COMPANY COMMON 88579Y101 16 95 SH   SOLE 0 95 0 0
ALTRIA GROUP COMMON 02209S103 71 1,729 SH   SOLE 0 1,729 0 0
MERCK & CO INC COMMON 58933Y105 38 455 SH   SOLE 0 455 0 0
MICROSOFT CORP COMMON 594918104 77 554 SH   SOLE 0 554 0 0
ISHARES EDGE MSCI USA MOMENTUM FACTOR COMMON 46432F396 52 437 SH   SOLE 0 437 0 0
ISHARES S&P NATL AMT FREE MUNI BND FND COMMON 464288414 14,232 124,733 SH   SOLE 0 124,733 0 0
NETFLIX INC COMMON 64110L106 40 150 SH   SOLE 0 150 0 0
ALLIANZGI EQTY & CON FD COMMON 018829101 2 115 SH   SOLE 0 115 0 0
NIKE INC CLASS B COMMON 654106103 38 400 SH   SOLE 0 400 0 0
NATIONAL BANKSHARES INC VA COM COMMON 634865109 4 100 SH   SOLE 0 100 0 0
SERVICENOW INC COM COMMON 81762P102 76 300 SH   SOLE 0 300 0 0
NORFOLK SOUTHERN CRP COMMON 655844108 22 125 SH   SOLE 0 125 0 0
NUVEEN SENIOR INCOME FD COMMON 67067Y104 24 4,138 SH   SOLE 0 4,138 0 0
NT RESOURCES LTD COMMON 67077M108 22 434 SH   SOLE 0 434 0 0
NU SKIN ENTERPRISES INC CL A FRMLY NU COMMON 67018T105 4 100 SH   SOLE 0 100 0 0
NVIDIA CORP COM COMMON 67066G104 17 95 SH   SOLE 0 95 0 0
NXP SEMICONDUCTORS N V COMMON N6596X109 11 100 SH   SOLE 0 100 0 0
ISHARES TR NY AMT FREE COMMON 464288323 151 2,638 SH   SOLE 0 2,638 0 0
REALTY INCOME CORP (MARYLAND) COMMON 756109104 155 2,025 SH   SOLE 0 2,025 0 0
ORACLE CORPORATION COMMON 68389X105 1 23 SH   SOLE 0 23 0 0
PALO ALTO NETWORKS INC COM COMMON 697435105 25 125 SH   SOLE 0 125 0 0
PEOPLES UTG FINL INC COMMON 712704105 20 1,295 SH   SOLE 0 1,295 0 0
INVESCO WILDERHILL CLEAN ENERGY ETF COMMON 46137V134 38 1,287 SH   SOLE 0 1,287 0 0
PEPSICO INCORPORATED COMMON 713448108 54 396 SH   SOLE 0 396 0 0
INVESCO HIGH YIELD EQ DIV ACHIEVERS ETF COMMON 46137V563 81 4,440 SH   SOLE 0 4,440 0 0
PFIZER INCORPORATED COMMON 717081103 24 663 SH   SOLE 0 663 0 0
ISHARES S&P U S PFD FUND COMMON 464288687 17 465 SH   SOLE 0 465 0 0
PRINCIPAL FINANCIAL GRP COMMON 74251V102 1 25 SH   SOLE 0 25 0 0
PROCTER & GAMBLE CO COMMON 742718109 19 150 SH   SOLE 0 150 0 0
PHILIP MORRIS INTL INC COM COMMON 718172109 121 1,595 SH   SOLE 0 1,595 0 0
PRUDENTIAL FINANCIAL INC COMMON 744320102 9 100 SH   SOLE 0 100 0 0
INVESCO S&P SMALLCAP INFO TECH ETF COMMON 46138E115 0 1 SH   SOLE 0 1 0 0
ISHARES EDGE MSCI USA QUALITY FACTOR ETF COMMON 46432F339 21 228 SH   SOLE 0 228 0 0
RITE AID CORP COMMON 767754872 0 5 SH   SOLE 0 5 0 0
LIVERAMP HOLDINGS INC COM COMMON 53815P108 21 500 SH   SOLE 0 500 0 0
ROYAL DUTCH SHELL PLC ADR CL A COMMON 780259206 49 830 SH   SOLE 0 830 0 0
RETAIL PPTYS AMER INC COM COMMON 76131V202 7 556 SH   SOLE 0 556 0 0
RAYTHEON COMMON 755111507 26 135 SH   SOLE 0 135 0 0
STARBUCKS CORP COMMON 855244109 42 473 SH   SOLE 0 473 0 0
SCHWAB STRATEGIC TR US SMALL-CAP ETF COMMON 808524607 411 5,899 SH   SOLE 0 5,899 0 0
SCHWAB US BROAD MARKET COMMON 808524102 1,429 20,118 SH   SOLE 0 20,118 0 0
SCHWAB STRATEGIC TR INTL SMALL CAP EQUIT COMMON 808524888 96 3,031 SH   SOLE 0 3,031 0 0
SCHWAB STRATEGIC TR EMERGING MKTS EQUITY COMMON 808524706 189 7,503 SH   SOLE 0 7,503 0 0
SCHWAB STRATEGIC TR INTL EQUITY ETF COMMON 808524805 188 5,901 SH   SOLE 0 5,901 0 0
SCH US REIT ETF COMMON 808524847 142 3,004 SH   SOLE 0 3,004 0 0
SCH US MID-CAP ETF COMMON 808524508 505 8,929 SH   SOLE 0 8,929 0 0
SCHWAB US TIPS ETF COMMON 808524870 74,001 1,303,755 SH   SOLE 0 1,303,755 0 0
SCH INTM US TRSR ETF COMMON 808524854 1,897 34,141 SH   SOLE 0 34,141 0 0
SCHWAB STRATEGIC TR US LARGE-CAP ETF COMMON 808524201 1,925 27,134 SH   SOLE 0 27,134 0 0
SCH US AGG BND ETF COMMON 808524839 1 13 SH   SOLE 0 13 0 0
MSCI EAFE SMALL CAP COMMON 464288273 400 6,984 SH   SOLE 0 6,984 0 0
BARCLAYS SHORT TREASURY INDEX FUND COMMON 464288679 459 4,146 SH   SOLE 0 4,146 0 0
SHERWIN WILLIAMS CO COMMON 824348106 60 108 SH   SOLE 0 108 0 0
BARCLAYS 1-3 YR TREASURY INDEX FUND COMMON 464287457 1,917 22,597 SH   SOLE 0 22,597 0 0
J M SMUCKER CO NEW COMMON 832696405 1 12 SH   SOLE 0 12 0 0
SCHLUMBERGER LTD COMMON 806857108 12 360 SH   SOLE 0 360 0 0
SILVER TRUST COMMON 46428Q109 2 100 SH   SOLE 0 100 0 0
SPDR PORTFOLIO LARGE CAP ETF COMMON 78464A854 1,492 42,815 SH   SOLE 0 42,815 0 0
SPDR PORTFOLIO SMALL CAP ETF COMMON 78468R853 351 11,716 SH   SOLE 0 11,716 0 0
SPDR BARCLAYS CAPITAL LONG TERM TREASURY ETF COMMON 78464A664 3,317 80,835 SH   SOLE 0 80,835 0 0
SPDR SERIES TRUST PORTFOLIO TL STK ETF COMMON 78464A805 1,646 44,810 SH   SOLE 0 44,810 0 0
SPDR PORTFOLIO SHORT TERM TREASURY ETF COMMON 78468R101 4,280 142,587 SH   SOLE 0 142,587 0 0
SPDR S&P 500 ETF COMMON 78462F103 289 973 SH   SOLE 0 973 0 0
STMICROELECTRONICS N.V.-NY SHS A DR COMMON 861012102 5 249 SH   SOLE 0 249 0 0
ISHARES MSCI USA ESG SELECT ETF COMMON 464288802 119 964 SH   SOLE 0 964 0 0
AT&T CORP COMMON 00206R102 136 3,583 SH   SOLE 0 3,583 0 0
SPDR SER TR BARCLAYS CAP MUN BD E COMMON 78468R721 307 6,056 SH   SOLE 0 6,056 0 0
BARCLAYS TIPS BOND FUND COMMON 464287176 176 1,510 SH   SOLE 0 1,510 0 0
ISHARES TR BARCLAYS 10-20 YR BOND COMMON 464288653 331 2,217 SH   SOLE 0 2,217 0 0
ISHARES BARCLAYS 20 YEAR TREAS BOND FD COMMON 464287432 856 5,986 SH   SOLE 0 5,986 0 0
TOYOTA MOTOR CP ADR NEWF COMMON 892331307 15 110 SH   SOLE 0 110 0 0
TIMKENSTEEL CORP COM COMMON 887399103 8 1,200 SH   SOLE 0 1,200 0 0
ULTRALIFE CORP COMMON 903899102 2 200 SH   SOLE 0 200 0 0
UNITEDHEALTH GROUP INC COMMON 91324P102 21 95 SH   SOLE 0 95 0 0
ISHARES EDGE MSCI MIN VOL USA COMMON 46429B697 23 355 SH   SOLE 0 355 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 23 165 SH   SOLE 0 165 0 0
VANGUARD SMALL CAP INDEX FUND COMMON 922908751 105 685 SH   SOLE 0 685 0 0
VANGUARD SMALL CAP INDEX FUND COMMON 922908611 39 302 SH   SOLE 0 302 0 0
VANGUARD INTERM-TERM CORP BD COMMON 92206C870 1,430 15,673 SH   SOLE 0 15,673 0 0
VANGUARD EUROPE PAC INDEX FUND COMMON 921943858 878 21,369 SH   SOLE 0 21,369 0 0
VANGUARD INTL EQTY INDEX COMMON 922042775 60,504 1,212,512 SH   SOLE 0 1,212,512 0 0
VANGUARD GOVT BOND ETF COMMON 92206C706 0 3 SH   SOLE 0 3 0 0
VANGUARD LONG-TERM TREASURY ETF COMMON 92206C847 41 463 SH   SOLE 0 463 0 0
VANGUARD DIV APPRCIATION COMMON 921908844 221 1,844 SH   SOLE 0 1,844 0 0
VALERO ENERGY CORP COMMON 91913Y100 1 10 SH   SOLE 0 10 0 0
VANGUARD MORTGAGE BACKED COMMON 92206C771 27 515 SH   SOLE 0 515 0 0
VANGUARD REIT INDEX FUND COMMON 922908553 496 5,318 SH   SOLE 0 5,318 0 0
VERITIV CORP COM COMMON 923454102 0 1 SH   SOLE 0 1 0 0
VANGUARD TOTAL STOCK MARKET INDEX COMMON 922908769 333,927 2,211,437 SH   SOLE 0 2,211,437 0 0
VANGUARD LG CAP VALUE INDEX FUND COMMON 922908744 37 329 SH   SOLE 0 329 0 0
VANGUARD LARGE CAP INDEX FUND COMMON 922908637 143 1,050 SH   SOLE 0 1,050 0 0
VANGUARD INTL EQ INDEX FUND COMMON 922042858 745 18,494 SH   SOLE 0 18,494 0 0
VANGUARD TOTAL INTERNATIONAL STOCK COMMON 921909768 145 2,804 SH   SOLE 0 2,804 0 0
VANGUARD HIGH DIVIDEND YIELD COMMON 921946406 43 488 SH   SOLE 0 488 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 47 782 SH   SOLE 0 782 0 0
WESTINGHOUSE AIR BRAKE TECHNOLOGIES CORPORATION COMMON 929740108 0 2 SH   SOLE 0 2 0 0
WASTE MANAGEMENT INC COMMON 94106L109 72 624 SH   SOLE 0 624 0 0
SECTOR SPDR UTIL SELECT COMMON 81369Y886 41 635 SH   SOLE 0 635 0 0
SECTOR SPDR HEALTH FUND COMMON 81369Y209 54 600 SH   SOLE 0 600 0 0
EXXON MOBIL CORPORATION COMMON 30231G102 410 5,813 SH   SOLE 0 5,813 0 0
YUM CHINA HLDGS INC COM COMMON 98850P109 2 40 SH   SOLE 0 40 0 0