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 257 1,604 SH   SOLE   1,604 0 0
ABBOTT LABS COM 002824100 885 8,129 SH   SOLE   8,129 0 0
ABBVIE INC COM 00287Y109 810 9,251 SH   SOLE   9,251 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 643 2,845 SH   SOLE   2,845 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 986 2,010 SH   SOLE   2,010 0 0
AIR PRODS & CHEMS INC COM 009158106 223 749 SH   SOLE   749 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 393 1,336 SH   SOLE   1,336 0 0
ALPHABET INC CAP STK CL C 02079K107 533 363 SH   SOLE   363 0 0
ALPHABET INC CAP STK CL A 02079K305 662 452 SH   SOLE   452 0 0
ALTRIA GROUP INC COM 02209S103 586 15,158 SH   SOLE   15,158 0 0
AMAZON COM INC COM 023135106 2,270 721 SH   SOLE   721 0 0
AMBEV SA SPONSORED ADR 02319V103 23 10,242 SH   SOLE   10,242 0 0
AMERICAN EXPRESS CO COM 025816109 330 3,288 SH   SOLE   3,288 0 0
AMGEN INC COM 031162100 374 1,472 SH   SOLE   1,472 0 0
APPLE INC COM 037833100 3,881 33,508 SH   SOLE   33,508 0 0
ASE TECHNOLOGY HLDG CO LTD SPONSORED ADS 00215W100 42 10,339 SH   SOLE   10,339 0 0
AT&T INC COM 00206R102 319 11,199 SH   SOLE   11,199 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 262 1,877 SH   SOLE   1,877 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 320 1,505 SH   SOLE   1,505 0 0
BK OF AMERICA CORP COM 060505104 232 9,632 SH   SOLE   9,632 0 0
BLACKROCK INC COM 09247X101 316 561 SH   SOLE   561 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 375 6,227 SH   SOLE   6,227 0 0
BROADCOM INC COM 11135F101 378 1,037 SH   SOLE   1,037 0 0
CHEVRON CORP NEW COM 166764100 520 7,224 SH   SOLE   7,224 0 0
CHUBB LIMITED COM H1467J104 203 1,745 SH   SOLE   1,745 0 0
CISCO SYS INC COM 17275R102 265 6,723 SH   SOLE   6,723 0 0
COCA COLA CO COM 191216100 6,880 139,356 SH   SOLE   139,356 0 0
COMCAST CORP NEW CL A 20030N101 409 8,845 SH   SOLE   8,845 0 0
COSTCO WHSL CORP NEW COM 22160K105 269 759 SH   SOLE   759 0 0
DASEKE INC COM 23753F107 199 37,037 SH   SOLE   37,037 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 204 1,482 SH   SOLE   1,482 0 0
DIRTT ENVIRONMENTAL SOLUTION COM 25490H106 16 10,000 SH   SOLE   10,000 0 0
DISNEY WALT CO COM DISNEY 254687106 489 3,937 SH   SOLE   3,937 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 409 25,880 SH   SOLE   25,880 0 0
EXXON MOBIL CORP COM 30231G102 632 18,413 SH   SOLE   18,413 0 0
FACEBOOK INC CL A 30303M102 1,172 4,476 SH   SOLE   4,476 0 0
HOME DEPOT INC COM 437076102 737 2,654 SH   SOLE   2,654 0 0
HONEYWELL INTL INC COM 438516106 331 2,013 SH   SOLE   2,013 0 0
IDEXX LABS INC COM 45168D104 240 611 SH   SOLE   611 0 0
INTEL CORP COM 458140100 689 13,303 SH   SOLE   13,303 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,095 60,890 SH   SOLE   60,890 0 0
ISHARES INC CORE MSCI EMKT 46434G103 18,225 345,180 SH   SOLE   345,179 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 205 3,465 SH   SOLE   3,465 0 0
ISHARES TR TIPS BD ETF 464287176 1 5 SH   SOLE   5 0 0
ISHARES TR CORE S&P500 ETF 464287200 132,339 393,795 SH   SOLE   393,794 0 0
ISHARES TR CORE US AGGBD ET 464287226 200,138 1,695,221 SH   SOLE   1,695,221 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1 9 SH   SOLE   9 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 9,774 42,298 SH   SOLE   42,298 0 0
ISHARES TR 20 YR TR BD ETF 464287432 0 3 SH   SOLE   3 0 0
ISHARES TR RUS MD CP GR ETF 464287481 374 2,165 SH   SOLE   2,165 0 0
ISHARES TR CORE S&P MCP ETF 464287507 7 40 SH   SOLE   39 0 0
ISHARES TR NASDAQ BIOTECH 464287556 2 17 SH   SOLE   17 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 845,293 3,897,337 SH   SOLE   3,897,336 0 0
ISHARES TR RUS 1000 ETF 464287622 591 3,158 SH   SOLE   3,157 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 311 1,405 SH   SOLE   1,405 0 0
ISHARES TR CORE S&P US VLU 464287663 140,708 2,591,793 SH   SOLE   2,591,793 0 0
ISHARES TR CORE S&P US GWT 464287671 107,474 1,343,756 SH   SOLE   1,343,755 0 0
ISHARES TR CORE S&P SCP ETF 464287804 93 1,330 SH   SOLE   1,330 0 0
ISHARES TR MSCI ACWI ETF 464288257 776 9,708 SH   SOLE   9,707 0 0
ISHARES TR EAFE SML CP ETF 464288273 111 1,874 SH   SOLE   1,874 0 0
ISHARES TR JPMORGAN USD EMG 464288281 183 1,646 SH   SOLE   1,646 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,276 11,004 SH   SOLE   11,004 0 0
ISHARES TR MBS ETF 464288588 3 31 SH   SOLE   31 0 0
ISHARES TR CORE MSCI EAFE 46432F842 59,736 990,982 SH   SOLE   990,981 0 0
ISHARES TR MRNGSTR INC ETF 46432F875 141 6,254 SH   SOLE   6,254 0 0
JOHNSON & JOHNSON COM 478160104 662 4,444 SH   SOLE   4,444 0 0
JPMORGAN CHASE & CO COM 46625H100 635 6,593 SH   SOLE   6,593 0 0
KIMBERLY CLARK CORP COM 494368103 261 1,770 SH   SOLE   1,770 0 0
LG DISPLAY CO LTD SPONS ADR REP 50186V102 66 10,133 SH   SOLE   10,133 0 0
LILLY ELI & CO COM 532457108 225 1,519 SH   SOLE   1,519 0 0
LINDE PLC SHS G5494J103 368 1,544 SH   SOLE   1,544 0 0
LOWES COS INC COM 548661107 342 2,063 SH   SOLE   2,063 0 0
MASTERCARD INCORPORATED CL A 57636Q104 437 1,292 SH   SOLE   1,292 0 0
MCGRATH RENTCORP COM 580589109 350 5,870 SH   SOLE   5,870 0 0
MERCK & CO. INC COM 58933Y105 641 7,725 SH   SOLE   7,725 0 0
MICROSOFT CORP COM 594918104 3,888 18,487 SH   SOLE   18,487 0 0
MIZUHO FINANCIAL GROUP INC. SPONSORED ADR 60687Y109 55 21,453 SH   SOLE   21,453 0 0
MONDELEZ INTL INC CL A 609207105 276 4,803 SH   SOLE   4,803 0 0
MONROE CAP CORP COM 610335101 325 47,541 SH   SOLE   47,541 0 0
NETFLIX INC COM 64110L106 366 732 SH   SOLE   732 0 0
NIKE INC CL B 654106103 485 3,860 SH   SOLE   3,860 0 0
NOVARTIS AG SPONSORED ADR 66987V109 314 3,608 SH   SOLE   3,608 0 0
NOVO-NORDISK A S ADR 670100205 580 8,355 SH   SOLE   8,355 0 0
NVIDIA CORPORATION COM 67066G104 555 1,025 SH   SOLE   1,025 0 0
ORACLE CORP COM 68389X105 215 3,601 SH   SOLE   3,601 0 0
OVINTIV INC COM 69047Q102 102 12,507 SH   SOLE   12,507 0 0
PACCAR INC COM 693718108 204 2,388 SH   SOLE   2,388 0 0
PAYPAL HLDGS INC COM 70450Y103 501 2,542 SH   SOLE   2,542 0 0
PEPSICO INC COM 713448108 1,042 7,516 SH   SOLE   7,516 0 0
PFIZER INC COM 717081103 352 9,599 SH   SOLE   9,599 0 0
PHILIP MORRIS INTL INC COM 718172109 1,079 14,392 SH   SOLE   14,392 0 0
PROCTER AND GAMBLE CO COM 742718109 1,737 12,500 SH   SOLE   12,500 0 0
QUALCOMM INC COM 747525103 219 1,864 SH   SOLE   1,864 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 448 38,822 SH   SOLE   38,822 0 0
ROYAL BK CDA COM 780087102 485 6,915 SH   SOLE   6,915 0 0
S&P GLOBAL INC COM 78409V104 260 722 SH   SOLE   722 0 0
SALESFORCE COM INC COM 79466L302 399 1,588 SH   SOLE   1,588 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 281 5,066 SH   SOLE   5,066 0 0
SERVICENOW INC COM 81762P102 293 604 SH   SOLE   604 0 0
SPDR GOLD TR GOLD SHS 78463V107 117,726 664,666 SH   SOLE   664,666 0 0
SPDR INDEX SHS FDS PORTFLI MSCI GBL 78463X475 5,509 127,286 SH   SOLE   127,285 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 11,687 319,662 SH   SOLE   319,662 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 19 650 SH   SOLE   650 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,671 296,341 SH   SOLE   296,341 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 35 106 SH   SOLE   106 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 14,534 43,400 SH Put SOLE   43,400 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 106,945 2,134,211 SH   SOLE   2,134,211 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 12,963 429,249 SH   SOLE   429,248 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 416 13,493 SH   SOLE   13,493 0 0
SPDR SER TR S&P INS ETF 78464A789 1 23 SH   SOLE   23 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 17,979 439,690 SH   SOLE   439,689 0 0
STARBUCKS CORP COM 855244109 272 3,169 SH   SOLE   3,169 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 96 17,143 SH   SOLE   17,143 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 563 6,948 SH   SOLE   6,948 0 0
TESLA INC COM 88160R101 541 1,260 SH   SOLE   1,260 0 0
TEXAS INSTRS INC COM 882508104 366 2,562 SH   SOLE   2,562 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 284 644 SH   SOLE   644 0 0
TJX COS INC NEW COM 872540109 346 6,226 SH   SOLE   6,226 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 284 2,145 SH   SOLE   2,145 0 0
TRUIST FINL CORP COM 89832Q109 891 23,418 SH   SOLE   23,418 0 0
UNION PAC CORP COM 907818108 381 1,934 SH   SOLE   1,934 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 75 15,737 SH   SOLE   15,737 0 0
UNITED PARCEL SERVICE INC CL B 911312106 565 3,390 SH   SOLE   3,390 0 0
UNITEDHEALTH GROUP INC COM 91324P102 635 2,038 SH   SOLE   2,038 0 0
VANECK VECTORS ETF TR BDC INCOME ETF 92189F411 532 43,749 SH   SOLE   43,749 0 0
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 0 13 SH   SOLE   13 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,159 13,139 SH   SOLE   13,139 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,924 29,008 SH   SOLE   29,008 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 9 49 SH   SOLE   49 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 6 75 SH   SOLE   75 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 7 32 SH   SOLE   32 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5 47 SH   SOLE   46 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,994 15,375 SH   SOLE   15,375 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2 11 SH   SOLE   11 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 36,002 211,390 SH   SOLE   211,389 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 212 2,625 SH   SOLE   2,625 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,651 112,010 SH   SOLE   112,010 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,558 197,919 SH   SOLE   197,918 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1 18 SH   SOLE   18 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 7,120 31,943 SH   SOLE   31,943 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 18,606 179,322 SH   SOLE   179,322 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2 24 SH   SOLE   24 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 30,247 739,532 SH   SOLE   739,532 0 0
VEDANTA LIMITED SPONSORED ADR 92242Y100 82 11,158 SH   SOLE   11,158 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 451 7,579 SH   SOLE   7,579 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 259 952 SH   SOLE   952 0 0
VISA INC COM CL A 92826C839 635 3,176 SH   SOLE   3,176 0 0
WALMART INC COM 931142103 503 3,596 SH   SOLE   3,596 0 0
WIPRO LTD SPON ADR 1 SH 97651M109 63 13,374 SH   SOLE   13,374 0 0