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 1,936 11,166 SH   SOLE   0 0 11,166
ABBOTT LABS COM 002824100 1,498 17,816 SH   SOLE   0 0 17,816
ABBVIE INC COM 00287Y109 870 11,963 SH   SOLE   0 0 11,963
AFLAC INC COM 001055102 346 6,314 SH   SOLE   0 0 6,314
ALPHABET INC CAP STK CL A 02079K305 1,272 1,175 SH   SOLE   0 0 1,175
ALPHABET INC CAP STK CL C 02079K107 685 634 SH   SOLE   0 0 634
ALTRIA GROUP INC COM 02209S103 806 17,017 SH   SOLE   0 0 17,017
AMAZON COM INC COM 023135106 970 512 SH   SOLE   0 0 512
AMGEN INC COM 031162100 687 3,729 SH   SOLE   0 0 3,729
APPLE INC COM 037833100 3,908 19,745 SH   SOLE   0 0 19,745
AT&T INC COM 00206R102 869 25,921 SH   SOLE   0 0 25,921
AUTOMATIC DATA PROCESSING IN COM 053015103 1,601 9,681 SH   SOLE   0 0 9,681
BANK AMER CORP COM 060505104 1,064 36,687 SH   SOLE   0 0 36,687
BB&T CORP COM 054937107 1,907 38,808 SH   SOLE   0 0 38,808
BERKSHIRE HATHAWAY INC DEL CL A 084670108 637 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,915 27,748 SH   SOLE   0 0 27,748
BOEING CO COM 097023105 1,098 3,016 SH   SOLE   0 0 3,016
BOOKING HLDGS INC COM 09857L108 223 119 SH   SOLE   0 0 119
BRISTOL MYERS SQUIBB CO COM 110122108 326 7,196 SH   SOLE   0 0 7,196
BROWN FORMAN CORP CL B 115637209 278 5,023 SH   SOLE   0 0 5,023
CATERPILLAR INC DEL COM 149123101 280 2,051 SH   SOLE   0 0 2,051
CHEVRON CORP NEW COM 166764100 2,750 22,102 SH   SOLE   0 0 22,102
CISCO SYS INC COM 17275R102 2,741 50,081 SH   SOLE   0 0 50,081
COCA COLA CO COM 191216100 845 16,598 SH   SOLE   0 0 16,598
COLGATE PALMOLIVE CO COM 194162103 286 3,996 SH   SOLE   0 0 3,996
CONOCOPHILLIPS COM 20825C104 946 15,510 SH   SOLE   0 0 15,510
CSX CORP COM 126408103 353 4,568 SH   SOLE   0 0 4,568
CVS HEALTH CORP COM 126650100 472 8,656 SH   SOLE   0 0 8,656
DANAHER CORPORATION COM 235851102 296 2,069 SH   SOLE   0 0 2,069
DISNEY WALT CO COM DISNEY 254687106 266 1,908 SH   SOLE   0 0 1,908
DUKE ENERGY CORP NEW COM NEW 26441C204 493 5,587 SH   SOLE   0 0 5,587
EMERSON ELEC CO COM 291011104 277 4,147 SH   SOLE   0 0 4,147
EXXON MOBIL CORP COM 30231G102 2,367 30,887 SH   SOLE   0 0 30,887
FASTENAL CO COM 311900104 377 11,555 SH   SOLE   0 0 11,555
FS KKR CAPITAL CORP COM 302635107 106 17,815 SH   SOLE   0 0 17,815
GENERAL ELECTRIC CO COM 369604103 162 15,435 SH   SOLE   0 0 15,435
HOME DEPOT INC COM 437076102 1,492 7,175 SH   SOLE   0 0 7,175
ILLINOIS TOOL WKS INC COM 452308109 712 4,720 SH   SOLE   0 0 4,720
INTEL CORP COM 458140100 3,799 79,359 SH   SOLE   0 0 79,359
INTERNATIONAL BUSINESS MACHS COM 459200101 1,104 8,008 SH   SOLE   0 0 8,008
INVESCO QQQ TR UNIT SER 1 46090E103 894 4,787 SH   SOLE   0 0 4,787
ISHARES GOLD TRUST ISHARES 464285105 15,194 1,125,460 SH   SOLE   0 0 1,125,460
ISHARES TR CORE S&P TTL STK 464287150 16 240 SH   SOLE   0 0 240
ISHARES TR SELECT DIVID ETF 464287168 154 1,550 SH   SOLE   0 0 1,550
ISHARES TR TIPS BD ETF 464287176 75 646 SH   SOLE   0 0 646
ISHARES TR CORE S&P500 ETF 464287200 271 920 SH   SOLE   0 0 920
ISHARES TR CORE US AGGBD ET 464287226 303 2,716 SH   SOLE   0 0 2,716
ISHARES TR MSCI EMG MKT ETF 464287234 243 5,669 SH   SOLE   0 0 5,669
ISHARES TR IBOXX INV CP ETF 464287242 3 26 SH   SOLE   0 0 26
ISHARES TR S&P 500 GRWT ETF 464287309 97 540 SH   SOLE   0 0 540
ISHARES TR GLOB HLTHCRE ETF 464287325 243 3,943 SH   SOLE   0 0 3,943
ISHARES TR NORTH AMERN NAT 464287374 20 642 SH   SOLE   0 0 642
ISHARES TR 20 YR TR BD ETF 464287432 13 98 SH   SOLE   0 0 98
ISHARES TR 1 3 YR TREAS BD 464287457 46 547 SH   SOLE   0 0 547
ISHARES TR MSCI EAFE ETF 464287465 3,147 47,883 SH   SOLE   0 0 47,883
ISHARES TR RUS MD CP GR ETF 464287481 9,847 69,059 SH   SOLE   0 0 69,059
ISHARES TR RUS MID CAP ETF 464287499 92 1,650 SH   SOLE   0 0 1,650
ISHARES TR CORE S&P MCP ETF 464287507 46 237 SH   SOLE   0 0 237
ISHARES TR GLOBAL 100 ETF 464287572 620 12,691 SH   SOLE   0 0 12,691
ISHARES TR RUS 1000 VAL ETF 464287598 23 178 SH   SOLE   0 0 178
ISHARES TR S&P MC 400GR ETF 464287606 13 59 SH   SOLE   0 0 59
ISHARES TR RUS 1000 GRW ETF 464287614 462 2,933 SH   SOLE   0 0 2,933
ISHARES TR RUS 1000 ETF 464287622 167 1,027 SH   SOLE   0 0 1,027
ISHARES TR RUS 2000 GRW ETF 464287648 33 163 SH   SOLE   0 0 163
ISHARES TR RUSSELL 2000 ETF 464287655 2,201 14,155 SH   SOLE   0 0 14,155
ISHARES TR RUSSELL 3000 ETF 464287689 111 645 SH   SOLE   0 0 645
ISHARES TR U.S. REAL ES ETF 464287739 40 459 SH   SOLE   0 0 459
ISHARES TR SP SMCP600VL ETF 464287879 15 101 SH   SOLE   0 0 101
ISHARES TR EAFE SML CP ETF 464288273 1 19 SH   SOLE   0 0 19
ISHARES TR JPMORGAN USD EMG 464288281 17 146 SH   SOLE   0 0 146
ISHARES TR IBOXX HI YD ETF 464288513 0 4 SH   SOLE   0 0 4
ISHARES TR MSCI KLD400 SOC 464288570 281 2,573 SH   SOLE   0 0 2,573
ISHARES TR INTRM GOV CR ETF 464288612 18 157 SH   SOLE   0 0 157
ISHARES TR SH TR CRPORT ETF 464288646 132 2,474 SH   SOLE   0 0 2,474
ISHARES TR 3 7 YR TREAS BD 464288661 25,589 203,472 SH   SOLE   0 0 203,472
ISHARES TR PFD AND INCM SEC 464288687 11 300 SH   SOLE   0 0 300
ISHARES TR MSCI USA ESG SLC 464288802 1,049 8,605 SH   SOLE   0 0 8,605
ISHARES TR EAFE VALUE ETF 464288877 3,373 70,175 SH   SOLE   0 0 70,175
ISHARES TR EAFE GRWTH ETF 464288885 1,394 17,257 SH   SOLE   0 0 17,257
ISHARES TR USA QUALITY FCTR 46432F339 419 4,581 SH   SOLE   0 0 4,581
ISHARES TR CORE 1 5 YR USD 46432F859 16 322 SH   SOLE   0 0 322
ISHARES TR ESG MSCI EAFE 46435G516 1,214 18,877 SH   SOLE   0 0 18,877
JOHNSON & JOHNSON COM 478160104 5,404 38,799 SH   SOLE   0 0 38,799
JPMORGAN CHASE & CO COM 46625H100 1,304 11,660 SH   SOLE   0 0 11,660
KIMBERLY CLARK CORP COM 494368103 522 3,915 SH   SOLE   0 0 3,915
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 36,149 1,283,701 SH   SOLE   0 0 1,283,701
LILLY ELI & CO COM 532457108 204 1,837 SH   SOLE   0 0 1,837
LINCOLN NATL CORP IND COM 534187109 205 3,181 SH   SOLE   0 0 3,181
LOWES COS INC COM 548661107 2,726 27,014 SH   SOLE   0 0 27,014
MCDONALDS CORP COM 580135101 1,327 6,390 SH   SOLE   0 0 6,390
MERCK & CO INC COM 58933Y105 493 5,884 SH   SOLE   0 0 5,884
MICROSOFT CORP COM 594918104 6,804 50,791 SH   SOLE   0 0 50,791
MONDELEZ INTL INC CL A 609207105 265 4,912 SH   SOLE   0 0 4,912
NORFOLK SOUTHERN CORP COM 655844108 257 1,287 SH   SOLE   0 0 1,287
NORTHERN TR CORP COM 665859104 391 4,340 SH   SOLE   0 0 4,340
NOVARTIS A G SPONSORED ADR 66987V109 494 5,405 SH   SOLE   0 0 5,405
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 337 9,056 SH   SOLE   0 0 9,056
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 253 8,349 SH   SOLE   0 0 8,349
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 271 8,067 SH   SOLE   0 0 8,067
ORACLE CORP COM 68389X105 1,604 28,157 SH   SOLE   0 0 28,157
PAYCHEX INC COM 704326107 714 8,673 SH   SOLE   0 0 8,673
PEPSICO INC COM 713448108 3,368 25,682 SH   SOLE   0 0 25,682
PFIZER INC COM 717081103 1,163 26,856 SH   SOLE   0 0 26,856
PHILIP MORRIS INTL INC COM 718172109 461 5,872 SH   SOLE   0 0 5,872
PROCTER AND GAMBLE CO COM 742718109 1,484 13,533 SH   SOLE   0 0 13,533
QUALCOMM INC COM 747525103 381 5,014 SH   SOLE   0 0 5,014
SALESFORCE COM INC COM 79466L302 219 1,445 SH   SOLE   0 0 1,445
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,795 220,830 SH   SOLE   0 0 220,830
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,771 110,184 SH   SOLE   0 0 110,184
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 590 8,260 SH   SOLE   0 0 8,260
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 17 311 SH   SOLE   0 0 311
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,400 74,803 SH   SOLE   0 0 74,803
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 307 9,403 SH   SOLE   0 0 9,403
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 36,931 730,006 SH   SOLE   0 0 730,006
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 68 971 SH   SOLE   0 0 971
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3 51 SH   SOLE   0 0 51
SCHWAB STRATEGIC TR US REIT ETF 808524847 6 135 SH   SOLE   0 0 135
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 40 757 SH   SOLE   0 0 757
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 968 18,240 SH   SOLE   0 0 18,240
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,083 25,029 SH   SOLE   0 0 25,029
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,625 46,765 SH   SOLE   0 0 46,765
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 14 121 SH   SOLE   0 0 121
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 5 85 SH   SOLE   0 0 85
SELECT SECTOR SPDR TR ENERGY 81369Y506 564 8,855 SH   SOLE   0 0 8,855
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,977 71,622 SH   SOLE   0 0 71,622
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 449 4,847 SH   SOLE   0 0 4,847
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 532 6,867 SH   SOLE   0 0 6,867
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 35 450 SH   SOLE   0 0 450
SPDR GOLD TRUST GOLD SHS 78463V107 447 3,356 SH   SOLE   0 0 3,356
SPDR S&P 500 ETF TR TR UNIT 78462F103 616 2,103 SH   SOLE   0 0 2,103
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 3,472 115,722 SH   SOLE   0 0 115,722
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 122 3,347 SH   SOLE   0 0 3,347
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 1 21 SH   SOLE   0 0 21
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 1 24 SH   SOLE   0 0 24
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 1 16 SH   SOLE   0 0 16
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 1 18 SH   SOLE   0 0 18
SPDR SERIES TRUST GLB DOW ETF 78464A706 143 1,680 SH   SOLE   0 0 1,680
SPDR SERIES TRUST S&P DIVID ETF 78464A763 91 899 SH   SOLE   0 0 899
SPDR SERIES TRUST SSGA GNDER ETF 78468R747 652 8,847 SH   SOLE   0 0 8,847
STRYKER CORP COM 863667101 822 3,996 SH   SOLE   0 0 3,996
SUNTRUST BKS INC COM 867914103 515 8,195 SH   SOLE   0 0 8,195
SYSCO CORP COM 871829107 1,364 19,286 SH   SOLE   0 0 19,286
TARGET CORP COM 87612E106 237 2,739 SH   SOLE   0 0 2,739
TESLA INC NOTE 1.250% 3/0 88160RAC5 24 25,000 SH   SOLE   0 0 25,000
TESLA INC COM 88160R101 26 115 SH   SOLE   0 0 115
TEXAS INSTRS INC COM 882508104 874 7,614 SH   SOLE   0 0 7,614
TOTAL S A SPONSORED ADS 89151E109 355 6,372 SH   SOLE   0 0 6,372
UNION PACIFIC CORP COM 907818108 773 4,572 SH   SOLE   0 0 4,572
UNITED PARCEL SERVICE INC CL B 911312106 1,053 10,192 SH   SOLE   0 0 10,192
UNITED TECHNOLOGIES CORP COM 913017109 2,586 19,860 SH   SOLE   0 0 19,860
UNITEDHEALTH GROUP INC COM 91324P102 229 939 SH   SOLE   0 0 939
V F CORP COM 918204108 261 2,991 SH   SOLE   0 0 2,991
VANECK MERK GOLD TRUST GOLD TRUST 921078101 206 14,924 SH   SOLE   0 0 14,924
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 22 228 SH   SOLE   0 0 228
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 4 51 SH   SOLE   0 0 51
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 55,840 672,199 SH   SOLE   0 0 672,199
VANGUARD GROUP DIV APP ETF 921908844 46,922 407,451 SH   SOLE   0 0 407,451
VANGUARD INDEX FDS GROWTH ETF 922908736 36,965 226,235 SH   SOLE   0 0 226,235
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 150 1,719 SH   SOLE   0 0 1,719
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 224 834 SH   SOLE   0 0 834
VANGUARD INDEX FDS SMALL CP ETF 922908751 147 937 SH   SOLE   0 0 937
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1 5 SH   SOLE   0 0 5
VANGUARD INDEX FDS TOTAL STK MKT 922908769 131 872 SH   SOLE   0 0 872
VANGUARD INDEX FDS VALUE ETF 922908744 81 734 SH   SOLE   0 0 734
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10 191 SH   SOLE   0 0 191
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 65,040 1,275,547 SH   SOLE   0 0 1,275,547
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 269 6,330 SH   SOLE   0 0 6,330
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 24,599 498,754 SH   SOLE   0 0 498,754
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 10,206 116,802 SH   SOLE   0 0 116,802
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 5 30 SH   SOLE   0 0 30
VANGUARD WORLD FDS INF TECH ETF 92204A702 17,371 82,371 SH   SOLE   0 0 82,371
VERIZON COMMUNICATIONS INC COM 92343V104 1,752 30,658 SH   SOLE   0 0 30,658
VISA INC COM CL A 92826C839 992 5,716 SH   SOLE   0 0 5,716
WALGREENS BOOTS ALLIANCE INC COM 931427108 457 8,366 SH   SOLE   0 0 8,366
WALMART INC COM 931142103 1,379 12,480 SH   SOLE   0 0 12,480
WASTE MGMT INC DEL COM 94106L109 213 1,849 SH   SOLE   0 0 1,849
WELLS FARGO CO NEW COM 949746101 590 12,473 SH   SOLE   0 0 12,473
WISDOMTREE TR US MULTIFACTOR 97717Y857 24,538 816,014 SH   SOLE   0 0 816,014