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
AFLAC INC COM 001055102 8,240 185,284 SH   SOLE   0 0 185,284
AIR PRODS & CHEMS INC COM 009158106 757 2,770 SH   SOLE   0 0 2,770
AMAZON COM INC COM 023135106 2,925 898 SH   SOLE   0 0 898
AMERICAN ELEC PWR CO INC COM 025537101 537 6,448 SH   SOLE   0 0 6,448
AMERICAN EXPRESS CO COM 025816109 318 2,630 SH   SOLE   0 0 2,630
AMERICAN INTL GROUP INC COM NEW 026874784 316 8,348 SH   SOLE   0 0 8,348
AMGEN INC COM 031162100 807 3,508 SH   SOLE   0 0 3,508
ARCHER DANIELS MIDLAND CO COM 039483102 8,682 172,237 SH   SOLE   0 0 172,237
AUTOMATIC DATA PROCESSING IN COM 053015103 8,833 50,129 SH   SOLE   0 0 50,129
BANCO BRADESCO S A SP ADR PFD NEW 059460303 132 25,152 SH   SOLE   0 0 25,152
BK OF AMERICA CORP COM 060505104 251 8,265 SH   SOLE   0 0 8,265
BAXTER INTL INC COM 071813109 254 3,171 SH   SOLE   0 0 3,171
BECTON DICKINSON & CO COM 075887109 367 1,466 SH   SOLE   0 0 1,466
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,391 4 SH   SOLE   0 0 4
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,928 8,317 SH   SOLE   0 0 8,317
BIO RAD LABS INC CL A 090572207 229 392 SH   SOLE   0 0 392
CVS HEALTH CORP COM 126650100 204 2,980 SH   SOLE   0 0 2,980
CAMDEN PPTY TR SH BEN INT 133131102 1,893 18,949 SH   SOLE   0 0 18,949
CANADIAN NATL RY CO COM 136375102 252 2,291 SH   SOLE   0 0 2,291
CATERPILLAR INC COM 149123101 359 1,971 SH   SOLE   0 0 1,971
CHEVRON CORP NEW COM 166764100 798 9,445 SH   SOLE   0 0 9,445
CITIGROUP INC COM NEW 172967424 438 7,098 SH   SOLE   0 0 7,098
CLOROX CO DEL COM 189054109 8,596 42,572 SH   SOLE   0 0 42,572
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 335 4,092 SH   SOLE   0 0 4,092
CONSOLIDATED EDISON INC COM 209115104 7,151 98,950 SH   SOLE   0 0 98,950
CUMMINS INC COM 231021106 395 1,740 SH   SOLE   0 0 1,740
DBX ETF TR XTRACK USD HIGH 233051432 986 19,677 SH   SOLE   0 0 19,677
DANAHER CORPORATION COM 235851102 231 1,042 SH   SOLE   0 0 1,042
DELTA AIR LINES INC DEL COM NEW 247361702 283 7,034 SH   SOLE   0 0 7,034
DISNEY WALT CO COM 254687106 546 3,015 SH   SOLE   0 0 3,015
DOW INC COM 260557103 270 4,866 SH   SOLE   0 0 4,866
EATON VANCE CORP COM NON VTG 278265103 279 4,102 SH   SOLE   0 0 4,102
EMERSON ELEC CO COM 291011104 341 4,239 SH   SOLE   0 0 4,239
FASTENAL CO COM 311900104 424 8,682 SH   SOLE   0 0 8,682
FIRST TR NASDAQ 100 TECH IND SHS 337345102 257 1,860 SH   SOLE   0 0 1,860
FRANKLIN RESOURCES INC COM 354613101 8,391 335,765 SH   SOLE   0 0 335,765
GENERAL DYNAMICS CORP COM 369550108 7,288 48,971 SH   SOLE   0 0 48,971
GENUINE PARTS CO COM 372460105 318 3,168 SH   SOLE   0 0 3,168
HOME DEPOT INC COM 437076102 3,972 14,952 SH   SOLE   0 0 14,952
HONEYWELL INTL INC COM 438516106 998 4,694 SH   SOLE   0 0 4,694
HORMEL FOODS CORP COM 440452100 7,905 169,605 SH   SOLE   0 0 169,605
ILLINOIS TOOL WKS INC COM 452308109 8,958 43,940 SH   SOLE   0 0 43,940
ILLUMINA INC COM 452327109 246 664 SH   SOLE   0 0 664
INTEL CORP COM 458140100 769 15,436 SH   SOLE   0 0 15,436
INTERNATIONAL BUSINESS MACHS COM 459200101 620 4,928 SH   SOLE   0 0 4,928
INTUIT COM 461202103 531 1,399 SH   SOLE   0 0 1,399
ISHARES GOLD TRUST ISHARES 464285105 350 19,296 SH   SOLE   0 0 19,296
ISHARES TR CORE S&P TTL STK 464287150 704 8,160 SH   SOLE   0 0 8,160
ISHARES TR SELECT DIVID ETF 464287168 215 2,239 SH   SOLE   0 0 2,239
ISHARES TR CORE S&P500 ETF 464287200 40,807 108,705 SH   SOLE   0 0 108,705
ISHARES TR CORE US AGGBD ET 464287226 1,711 14,477 SH   SOLE   0 0 14,477
ISHARES TR MSCI EMG MKT ETF 464287234 973 18,823 SH   SOLE   0 0 18,823
ISHARES TR IBOXX INV CP ETF 464287242 347 2,514 SH   SOLE   0 0 2,514
ISHARES TR S&P 500 GRWT ETF 464287309 1,637 25,656 SH   SOLE   0 0 25,656
ISHARES TR S&P 500 VAL ETF 464287408 946 7,388 SH   SOLE   0 0 7,388
ISHARES TR BARCLAYS 7 10 YR 464287440 67,870 565,817 SH   SOLE   0 0 565,817
ISHARES TR MSCI EAFE ETF 464287465 1,983 27,175 SH   SOLE   0 0 27,175
ISHARES TR RUS MD CP GR ETF 464287481 242 2,360 SH   SOLE   0 0 2,360
ISHARES TR RUS MID CAP ETF 464287499 1,572 22,931 SH   SOLE   0 0 22,931
ISHARES TR CORE S&P MCP ETF 464287507 7,626 33,179 SH   SOLE   0 0 33,179
ISHARES TR RUS 1000 VAL ETF 464287598 33,645 246,066 SH   SOLE   0 0 246,066
ISHARES TR S&P MC 400GR ETF 464287606 260 3,602 SH   SOLE   0 0 3,602
ISHARES TR RUS 1000 GRW ETF 464287614 49,345 204,630 SH   SOLE   0 0 204,630
ISHARES TR RUS 1000 ETF 464287622 974 4,597 SH   SOLE   0 0 4,597
ISHARES TR RUS 2000 GRW ETF 464287648 244 851 SH   SOLE   0 0 851
ISHARES TR RUSSELL 2000 ETF 464287655 1,775 9,052 SH   SOLE   0 0 9,052
ISHARES TR U.S. UTILITS ETF 464287697 213 2,742 SH   SOLE   0 0 2,742
ISHARES TR S&P MC 400VL ETF 464287705 241 2,791 SH   SOLE   0 0 2,791
ISHARES TR CORE S&P SCP ETF 464287804 8,560 93,145 SH   SOLE   0 0 93,145
ISHARES TR SP SMCP600VL ETF 464287879 739 9,083 SH   SOLE   0 0 9,083
ISHARES TR SHRT NAT MUN ETF 464288158 10,744 99,377 SH   SOLE   0 0 99,377
ISHARES TR MSCI ACWI ETF 464288257 1,650 18,193 SH   SOLE   0 0 18,193
ISHARES TR JPMORGAN USD EMG 464288281 73,562 634,649 SH   SOLE   0 0 634,649
ISHARES TR IBOXX HI YD ETF 464288513 232 2,652 SH   SOLE   0 0 2,652
ISHARES TR USD INV GRDE ETF 464288620 322 5,188 SH   SOLE   0 0 5,188
ISHARES TR ISHS 1-5YR INVS 464288646 28,262 512,270 SH   SOLE   0 0 512,270
ISHARES TR 3 7 YR TREAS BD 464288661 126,084 948,145 SH   SOLE   0 0 948,145
ISHARES TR PFD AND INCM SEC 464288687 202 5,258 SH   SOLE   0 0 5,258
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 88 14,402 SH   SOLE   0 0 14,402
JOHNSON & JOHNSON COM 478160104 1,611 10,235 SH   SOLE   0 0 10,235
KIMBERLY-CLARK CORP COM 494368103 340 2,523 SH   SOLE   0 0 2,523
LAM RESEARCH CORP COM 512807108 422 894 SH   SOLE   0 0 894
LEAR CORP COM NEW 521865204 292 1,839 SH   SOLE   0 0 1,839
LOCKHEED MARTIN CORP COM 539830109 345 973 SH   SOLE   0 0 973
LOWES COS INC COM 548661107 295 1,838 SH   SOLE   0 0 1,838
MCDONALDS CORP COM 580135101 8,785 40,940 SH   SOLE   0 0 40,940
MICROSOFT CORP COM 594918104 5,007 22,512 SH   SOLE   0 0 22,512
MONDELEZ INTL INC CL A 609207105 401 6,853 SH   SOLE   0 0 6,853
MORGAN STANLEY COM NEW 617446448 218 3,187 SH   SOLE   0 0 3,187
NIKE INC CL B 654106103 1,234 8,719 SH   SOLE   0 0 8,719
NOVO-NORDISK A S ADR 670100205 551 7,889 SH   SOLE   0 0 7,889
PNC FINL SVCS GROUP INC COM 693475105 298 2,000 SH   SOLE   0 0 2,000
PAYCHEX INC COM 704326107 348 3,730 SH   SOLE   0 0 3,730
PEPSICO INC COM 713448108 514 3,467 SH   SOLE   0 0 3,467
PFIZER INC COM 717081103 574 15,590 SH   SOLE   0 0 15,590
PHILIP MORRIS INTL INC COM 718172109 238 2,871 SH   SOLE   0 0 2,871
PHILLIPS 66 COM 718546104 417 5,961 SH   SOLE   0 0 5,961
PROCTER AND GAMBLE CO COM 742718109 1,659 11,923 SH   SOLE   0 0 11,923
PROGRESSIVE CORP COM 743315103 1,165 11,780 SH   SOLE   0 0 11,780
QUALCOMM INC COM 747525103 4,542 29,815 SH   SOLE   0 0 29,815
RIO TINTO PLC SPONSORED ADR 767204100 213 2,830 SH   SOLE   0 0 2,830
SAP SE SPON ADR 803054204 408 3,128 SH   SOLE   0 0 3,128
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,961 21,551 SH   SOLE   0 0 21,551
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 363 3,990 SH   SOLE   0 0 3,990
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 290,004 2,258,426 SH   SOLE   0 0 2,258,426
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 251,268 4,220,871 SH   SOLE   0 0 4,220,871
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,889 42,379 SH   SOLE   0 0 42,379
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,056 23,099 SH   SOLE   0 0 23,099
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 182,718 5,961,434 SH   SOLE   0 0 5,961,434
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,170 39,973 SH   SOLE   0 0 39,973
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 667 14,858 SH   SOLE   0 0 14,858
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 111,277 2,955,552 SH   SOLE   0 0 2,955,552
SMITH A O CORP COM 831865209 8,848 161,399 SH   SOLE   0 0 161,399
SOUTHERN CO COM 842587107 783 12,752 SH   SOLE   0 0 12,752
SOUTHWEST AIRLS CO COM 844741108 229 4,908 SH   SOLE   0 0 4,908
STARBUCKS CORP COM 855244109 377 3,524 SH   SOLE   0 0 3,524
SYSCO CORP COM 871829107 346 4,659 SH   SOLE   0 0 4,659
TJX COS INC NEW COM 872540109 749 10,967 SH   SOLE   0 0 10,967
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 650 5,963 SH   SOLE   0 0 5,963
TEXAS INSTRS INC COM 882508104 1,252 7,629 SH   SOLE   0 0 7,629
THERMO FISHER SCIENTIFIC INC COM 883556102 318 683 SH   SOLE   0 0 683
UNION PAC CORP COM 907818108 364 1,750 SH   SOLE   0 0 1,750
UNITED PARCEL SERVICE INC CL B 911312106 235 1,397 SH   SOLE   0 0 1,397
VANGUARD WORLD FD ESG US STK ETF 921910733 2,398 34,172 SH   SOLE   0 0 34,172
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 201 875 SH   SOLE   0 0 875
VANGUARD BD INDEX FDS INTERMED TERM 921937819 495 5,329 SH   SOLE   0 0 5,329
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 586 7,074 SH   SOLE   0 0 7,074
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,015 34,184 SH   SOLE   0 0 34,184
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 333 7,057 SH   SOLE   0 0 7,057
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,042 12,657 SH   SOLE   0 0 12,657
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,542 53,690 SH   SOLE   0 0 53,690
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 4,464 48,220 SH   SOLE   0 0 48,220
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,066 35,412 SH   SOLE   0 0 35,412
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,502 229,532 SH   SOLE   0 0 229,532
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 225,575 2,834,216 SH   SOLE   0 0 2,834,216
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 307,447 5,103,705 SH   SOLE   0 0 5,103,705
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 12,404 224,758 SH   SOLE   0 0 224,758
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 464 1,349 SH   SOLE   0 0 1,349
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 453 2,136 SH   SOLE   0 0 2,136
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 210 2,477 SH   SOLE   0 0 2,477
VANGUARD INDEX FDS SML CP GRW ETF 922908595 127,997 478,204 SH   SOLE   0 0 478,204
VANGUARD INDEX FDS SM CP VAL ETF 922908611 174,741 1,228,752 SH   SOLE   0 0 1,228,752
VANGUARD INDEX FDS MID CAP ETF 922908629 581 2,809 SH   SOLE   0 0 2,809
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,486 8,459 SH   SOLE   0 0 8,459
VANGUARD INDEX FDS GROWTH ETF 922908736 116,639 460,404 SH   SOLE   0 0 460,404
VANGUARD INDEX FDS VALUE ETF 922908744 108,651 913,339 SH   SOLE   0 0 913,339
VANGUARD INDEX FDS SMALL CP ETF 922908751 468 2,402 SH   SOLE   0 0 2,402
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,964 15,232 SH   SOLE   0 0 15,232
VICI PPTYS INC COM 925652109 228 8,936 SH   SOLE   0 0 8,936
WALMART INC COM 931142103 1,276 8,851 SH   SOLE   0 0 8,851
WALGREENS BOOTS ALLIANCE INC COM 931427108 7,322 183,590 SH   SOLE   0 0 183,590
WEYERHAEUSER CO MTN BE COM NEW 962166104 302 8,995 SH   SOLE   0 0 8,995
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 299 778 SH   SOLE   0 0 778
RAYTHEON TECHNOLOGIES CORP COM 75513E105 546 7,641 SH   SOLE   0 0 7,641
INVESCO QQQ TR UNIT SER 1 04609E107 5,542 17,666 SH   SOLE   0 0 17,666
TARGET CORP COM 87612E110 448 2,540 SH   SOLE   0 0 2,540
EDWARDS LIFESCIENCES CORP COM 28176E112 209 2,287 SH   SOLE   0 0 2,287
AT&T INC COM 00206R102 1,528 53,146 SH   SOLE   0 0 53,146
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 487 6,385 SH   SOLE   0 0 6,385
ACTIVISION BLIZZARD INC COM 00507V109 212 2,285 SH   SOLE   0 0 2,285
ADOBE SYSTEMS INCORPORATED COM 00724F101 678 1,355 SH   SOLE   0 0 1,355
AGILENT TECHNOLOGIES INC COM 00846U101 255 2,148 SH   SOLE   0 0 2,148
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 705 3,030 SH   SOLE   0 0 3,030
ALPHABET INC CAP STK CL C 02079K107 1,139 650 SH   SOLE   0 0 650
ALPHABET INC CAP STK CL A 02079K305 946 540 SH   SOLE   0 0 540
AMBEV SA SPONSORED ADR 02319V103 40 12,945 SH   SOLE   0 0 12,945
AMERICAN TOWER CORP NEW COM 03027X100 374 1,666 SH   SOLE   0 0 1,666
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 66 13,294 SH   SOLE   0 0 13,294
BOOKING HOLDINGS INC COM 09857L108 443 199 SH   SOLE   0 0 199
BROADCOM INC COM 11135F101 472 1,078 SH   SOLE   0 0 1,078
CGI INC CL A SUB VTG 12532H104 237 2,994 SH   SOLE   0 0 2,994
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 491 5,229 SH   SOLE   0 0 5,229
CISCO SYS INC COM 17275R102 1,069 23,889 SH   SOLE   0 0 23,889
COMCAST CORP NEW CL A 20030N101 734 14,010 SH   SOLE   0 0 14,010
CONOCOPHILLIPS COM 20825C104 389 9,719 SH   SOLE   0 0 9,719
CORTEVA INC COM 22052L104 360 9,308 SH   SOLE   0 0 9,308
COSTCO WHSL CORP NEW COM 22160K105 689 1,830 SH   SOLE   0 0 1,830
CROWN CASTLE INTL CORP NEW COM 22822V101 263 1,651 SH   SOLE   0 0 1,651
DOMINOS PIZZA INC COM 25754A201 223 581 SH   SOLE   0 0 581
DUKE ENERGY CORP NEW COM NEW 26441C204 466 5,092 SH   SOLE   0 0 5,092
DUPONT DE NEMOURS INC COM 26614N102 266 3,744 SH   SOLE   0 0 3,744
ENTERGY CORP NEW COM 29364G103 367 3,673 SH   SOLE   0 0 3,673
EQUINIX INC COM 29444U700 301 422 SH   SOLE   0 0 422
EQUINOR ASA SPONSORED ADR 29446M102 212 12,915 SH   SOLE   0 0 12,915
FACEBOOK INC CL A 30303M102 1,166 4,267 SH   SOLE   0 0 4,267
HDFC BANK LTD SPONSORED ADS 40415F101 349 4,834 SH   SOLE   0 0 4,834
ISHARES TR FLTG RATE NT ETF 46429B655 1,019 20,084 SH   SOLE   0 0 20,084
ISHARES TR MSCI USA MIN VOL 46429B697 395 5,826 SH   SOLE   0 0 5,826
ISHARES TR CORE MSCI EAFE 46432F842 2,144 31,025 SH   SOLE   0 0 31,025
ISHARES INC CORE MSCI EMKT 46434G103 562 9,054 SH   SOLE   0 0 9,054
ISHARES INC ESG AWR MSCI EM 46434G863 789 18,791 SH   SOLE   0 0 18,791
ISHARES TR CORE MSCI PAC 46434V696 11,312 175,595 SH   SOLE   0 0 175,595
ISHARES TR CORE MSCI EURO 46434V738 21,821 425,527 SH   SOLE   0 0 425,527
ISHARES TR ESG AWR MSCI USA 46435G425 201 2,335 SH   SOLE   0 0 2,335
ISHARES TR ESG AW MSCI EAFE 46435G516 2,141 29,318 SH   SOLE   0 0 29,318
ISHARES TR ESG AWARE MSCI 46435U663 683 20,010 SH   SOLE   0 0 20,010
JPMORGAN CHASE & CO COM 46625H100 826 6,502 SH   SOLE   0 0 6,502
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 960 18,902 SH   SOLE   0 0 18,902
JD.COM INC SPON ADR CL A 47215P106 296 3,368 SH   SOLE   0 0 3,368
KEYSIGHT TECHNOLOGIES INC COM 49338L103 236 1,786 SH   SOLE   0 0 1,786
KINDER MORGAN INC DEL COM 49456B101 147 10,768 SH   SOLE   0 0 10,768
MANULIFE FINL CORP COM 56501R106 224 12,574 SH   SOLE   0 0 12,574
MASTERCARD INCORPORATED CL A 57636Q104 418 1,170 SH   SOLE   0 0 1,170
MERCK & CO. INC COM 58933Y105 1,199 14,662 SH   SOLE   0 0 14,662
METLIFE INC COM 59156R108 252 5,357 SH   SOLE   0 0 5,357
MONSTER BEVERAGE CORP NEW COM 61174X109 283 3,064 SH   SOLE   0 0 3,064
NETFLIX INC COM 64110L106 527 976 SH   SOLE   0 0 976
NEXTERA ENERGY INC COM 65339F101 219 2,832 SH   SOLE   0 0 2,832
NOVARTIS AG SPONSORED ADR 66987V109 528 5,593 SH   SOLE   0 0 5,593
NVIDIA CORPORATION COM 67066G104 714 1,367 SH   SOLE   0 0 1,367
ORACLE CORP COM 68389X105 5,862 90,616 SH   SOLE   0 0 90,616
OXFORD SQUARE CAP CORP COM 69181V107 216 70,846 SH   SOLE   0 0 70,846
PAYPAL HLDGS INC COM 70450Y103 1,081 4,618 SH   SOLE   0 0 4,618
PIMCO DYNAMIC CR INCOME FD COM SHS 72202D106 201 9,470 SH   SOLE   0 0 9,470
PRICE T ROWE GROUP INC COM 74144T108 10,067 66,494 SH   SOLE   0 0 66,494
REGIONS FINANCIAL CORP NEW COM 7591EP100 387 24,011 SH   SOLE   0 0 24,011
SBA COMMUNICATIONS CORP NEW CL A 78410G104 219 778 SH   SOLE   0 0 778
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,993 10,681 SH   SOLE   0 0 10,681
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,185 41,702 SH   SOLE   0 0 41,702
SPDR SER TR S&P 600 SMCP VAL 78464A300 6,100 92,165 SH   SOLE   0 0 92,165
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,404 28,195 SH   SOLE   0 0 28,195
SALESFORCE COM INC COM 79466L302 420 1,888 SH   SOLE   0 0 1,888
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 635 8,772 SH   SOLE   0 0 8,772
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 610 5,378 SH   SOLE   0 0 5,378
SERVICENOW INC COM 81762P102 307 558 SH   SOLE   0 0 558
10X GENOMICS INC CL A COM 88025U109 1,494 10,553 SH   SOLE   0 0 10,553
3M CO COM 88579Y101 8,668 49,593 SH   SOLE   0 0 49,593
UNITEDHEALTH GROUP INC COM 91324P102 2,755 7,857 SH   SOLE   0 0 7,857
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 246 9,901 SH   SOLE   0 0 9,901
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 100,826 3,140,992 SH   SOLE   0 0 3,140,992
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 3,073 49,935 SH   SOLE   0 0 49,935
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 55,899 671,459 SH   SOLE   0 0 671,459
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 200,028 3,699,426 SH   SOLE   0 0 3,699,426
VARIAN MED SYS INC COM 92220P105 338 1,929 SH   SOLE   0 0 1,929
VERIZON COMMUNICATIONS INC COM 92343V104 741 12,610 SH   SOLE   0 0 12,610
VISA INC COM CL A 92826C839 1,363 6,231 SH   SOLE   0 0 6,231
WEC ENERGY GROUP INC COM 92939U106 281 3,048 SH   SOLE   0 0 3,048
WISDOMTREE TR INTL SMCAP DIV 97717W760 320 4,693 SH   SOLE   0 0 4,693
AON PLC SHS CL A G0403H108 204 967 SH   SOLE   0 0 967
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 575 2,202 SH   SOLE   0 0 2,202
EATON CORP PLC SHS G29183103 271 2,259 SH   SOLE   0 0 2,259
LINDE PLC SHS G5494J103 466 1,769 SH   SOLE   0 0 1,769
MEDTRONIC PLC SHS G5960L103 1,284 10,963 SH   SOLE   0 0 10,963
ALCON AG ORD SHS H01301128 223 3,384 SH   SOLE   0 0 3,384
CHUBB LIMITED COM H1467J104 8,956 58,184 SH   SOLE   0 0 58,184
TE CONNECTIVITY LTD REG SHS H84989104 241 1,993 SH   SOLE   0 0 1,993
CHECK POINT SOFTWARE TECH LT ORD M22465104 243 1,831 SH   SOLE   0 0 1,831
ATLAS CORP SHARES Y0436Q109 116 10,708 SH   SOLE   0 0 10,708