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 2,004 11,464 SH   SOLE   0 0 11,464
ABBVIE INC COM 00287Y109 1,059 9,885 SH   SOLE   0 0 9,885
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,245 6,489 SH   SOLE   0 0 6,489
AIR PRODS & CHEMS INC COM 009158106 1,455 5,327 SH   SOLE   0 0 5,327
ALPHABET INC CAP STK CL A 02079K305 6,334 3,614 SH   SOLE   0 0 3,614
ALPHABET INC CAP STK CL C 02079K107 879 502 SH   SOLE   0 0 502
ALTRIA GROUP INC COM 02209S103 610 14,876 SH   SOLE   0 0 14,876
AMAZON COM INC COM 023135106 9,113 2,798 SH   SOLE   0 0 2,798
AMERICAN EXPRESS CO COM 025816109 2,147 17,756 SH   SOLE   0 0 17,756
AMGEN INC COM 031162100 3,067 13,337 SH   SOLE   0 0 13,337
APPLE INC COM 037833100 14,638 110,318 SH   SOLE   0 0 110,318
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,856 25,254 SH   SOLE   0 0 25,254
BK OF AMERICA CORP COM 060505104 4,659 153,724 SH   SOLE   0 0 153,724
BLACKROCK INC COM 09247X101 988 1,368 SH   SOLE   0 0 1,368
BRISTOL-MYERS SQUIBB CO COM 110122108 587 9,469 SH   SOLE   0 0 9,469
CATERPILLAR INC COM 149123101 319 1,754 SH   SOLE   0 0 1,754
CHEVRON CORP NEW COM 166764100 2,334 27,638 SH   SOLE   0 0 27,638
CISCO SYS INC COM 17275R102 2,984 66,676 SH   SOLE   0 0 66,676
COCA COLA CO COM 191216100 1,083 19,740 SH   SOLE   0 0 19,740
COLGATE PALMOLIVE CO COM 194162103 772 9,029 SH   SOLE   0 0 9,029
COMCAST CORP NEW CL A 20030N101 2,308 44,050 SH   SOLE   0 0 44,050
CONOCOPHILLIPS COM 20825C104 1,641 41,037 SH   SOLE   0 0 41,037
COSTCO WHSL CORP NEW COM 22160K105 1,916 5,085 SH   SOLE   0 0 5,085
CUMMINS INC COM 231021106 342 1,505 SH   SOLE   0 0 1,505
CVS HEALTH CORP COM 126650100 1,678 24,572 SH   SOLE   0 0 24,572
DISNEY WALT CO COM 254687106 3,388 18,697 SH   SOLE   0 0 18,697
DUKE ENERGY CORP NEW COM NEW 26441C204 1,244 13,583 SH   SOLE   0 0 13,583
EATON CORP PLC SHS G29183103 269 2,243 SH   SOLE   0 0 2,243
EMERSON ELEC CO COM 291011104 423 5,267 SH   SOLE   0 0 5,267
FACEBOOK INC CL A 30303M102 2,361 8,643 SH   SOLE   0 0 8,643
FIDELITY MERRIMACK STR TR CORP BOND ETF 316188101 220 3,851 SH   SOLE   0 0 3,851
GENERAL DYNAMICS CORP COM 369550108 1,084 7,283 SH   SOLE   0 0 7,283
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 305 3,043 SH   SOLE   0 0 3,043
HOME DEPOT INC COM 437076102 4,001 15,064 SH   SOLE   0 0 15,064
HONEYWELL INTL INC COM 438516106 2,695 12,672 SH   SOLE   0 0 12,672
ILLINOIS TOOL WKS INC COM 452308109 317 1,557 SH   SOLE   0 0 1,557
INTEL CORP COM 458140100 1,065 21,371 SH   SOLE   0 0 21,371
INTERNATIONAL BUSINESS MACHS COM 459200101 1,139 9,047 SH   SOLE   0 0 9,047
INTERNATIONAL PAPER CO COM 460146103 332 6,673 SH   SOLE   0 0 6,673
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 437 28,627 SH   SOLE   0 0 28,627
INVESCO QQQ TR UNIT SER 1 46090E103 347 1,106 SH   SOLE   0 0 1,106
IQVIA HLDGS INC COM 46266C105 310 1,732 SH   SOLE   0 0 1,732
ISHARES TR 0-5YR INVT GR CP 46434V100 411 7,869 SH   SOLE   0 0 7,869
ISHARES TR CORE MSCI EAFE 46432F842 7,852 113,649 SH   SOLE   0 0 113,649
ISHARES TR CORE S&P MCP ETF 464287507 2,479 10,786 SH   SOLE   0 0 10,786
ISHARES TR CORE S&P SCP ETF 464287804 1,749 19,027 SH   SOLE   0 0 19,027
ISHARES TR CORE S&P TTL STK 464287150 11,786 136,692 SH   SOLE   0 0 136,692
ISHARES TR CORE S&P500 ETF 464287200 10,675 28,436 SH   SOLE   0 0 28,436
ISHARES TR IBOXX INV CP ETF 464287242 1,481 10,721 SH   SOLE   0 0 10,721
ISHARES TR INTL SEL DIV ETF 464288448 592 20,088 SH   SOLE   0 0 20,088
ISHARES TR ISHS 5-10YR INVT 464288638 514 8,314 SH   SOLE   0 0 8,314
ISHARES TR NATIONAL MUN ETF 464288414 252 2,152 SH   SOLE   0 0 2,152
ISHARES TR SHORT TREAS BD 464288679 327 2,956 SH   SOLE   0 0 2,956
ISHARES TR SHRT NAT MUN ETF 464288158 820 7,580 SH   SOLE   0 0 7,580
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 2,595 51,083 SH   SOLE   0 0 51,083
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,818 94,397 SH   SOLE   0 0 94,397
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 766 15,185 SH   SOLE   0 0 15,185
JOHNSON & JOHNSON COM 478160104 6,132 38,963 SH   SOLE   0 0 38,963
JPMORGAN CHASE & CO COM 46625H100 5,532 43,536 SH   SOLE   0 0 43,536
KIMBERLY-CLARK CORP COM 494368103 602 4,462 SH   SOLE   0 0 4,462
L3HARRIS TECHNOLOGIES INC COM 502431109 1,123 5,939 SH   SOLE   0 0 5,939
LOCKHEED MARTIN CORP COM 539830109 750 2,111 SH   SOLE   0 0 2,111
MCDONALDS CORP COM 580135101 2,553 11,897 SH   SOLE   0 0 11,897
MEDTRONIC PLC SHS G5960L103 2,531 21,607 SH   SOLE   0 0 21,607
MERCK & CO. INC COM 58933Y105 3,864 47,235 SH   SOLE   0 0 47,235
MICROSOFT CORP COM 594918104 12,241 55,034 SH   SOLE   0 0 55,034
MONDELEZ INTL INC CL A 609207105 2,211 37,816 SH   SOLE   0 0 37,816
NEXTERA ENERGY INC COM 65339F101 1,481 19,193 SH   SOLE   0 0 19,193
NIKE INC CL B 654106103 2,635 18,627 SH   SOLE   0 0 18,627
PAYPAL HLDGS INC COM 70450Y103 2,341 9,994 SH   SOLE   0 0 9,994
PEPSICO INC COM 713448108 3,725 25,118 SH   SOLE   0 0 25,118
PFIZER INC COM 717081103 4,629 125,753 SH   SOLE   0 0 125,753
PHILIP MORRIS INTL INC COM 718172109 265 3,202 SH   SOLE   0 0 3,202
PHILLIPS 66 COM 718546104 1,649 23,582 SH   SOLE   0 0 23,582
PIMCO ETF TR ACTIVE BD ETF 72201R775 832 7,352 SH   SOLE   0 0 7,352
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 9,829 96,322 SH   SOLE   0 0 96,322
PNC FINL SVCS GROUP INC COM 693475105 240 1,612 SH   SOLE   0 0 1,612
PRICE T ROWE GROUP INC COM 74144T108 717 4,735 SH   SOLE   0 0 4,735
PROCTER AND GAMBLE CO COM 742718109 3,478 24,994 SH   SOLE   0 0 24,994
QUALCOMM INC COM 747525103 1,201 7,880 SH   SOLE   0 0 7,880
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,258 17,596 SH   SOLE   0 0 17,596
SALESFORCE COM INC COM 79466L302 2,947 13,243 SH   SOLE   0 0 13,243
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,864 200,559 SH   SOLE   0 0 200,559
SPDR SER TR BLOMBERG BRC INV 78468R200 2,517 82,267 SH   SOLE   0 0 82,267
SPDR SER TR PORTFOLIO SH TSR 78468R101 206 6,691 SH   SOLE   0 0 6,691
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 680 13,797 SH   SOLE   0 0 13,797
STARBUCKS CORP COM 855244109 3,539 33,079 SH   SOLE   0 0 33,079
TEXAS INSTRS INC COM 882508104 1,212 7,385 SH   SOLE   0 0 7,385
THERMO FISHER SCIENTIFIC INC COM 883556102 2,119 4,549 SH   SOLE   0 0 4,549
UNION PAC CORP COM 907818108 2,291 11,005 SH   SOLE   0 0 11,005
UNITED PARCEL SERVICE INC CL B 911312106 737 4,379 SH   SOLE   0 0 4,379
UNITEDHEALTH GROUP INC COM 91324P102 3,959 11,289 SH   SOLE   0 0 11,289
US BANCORP DEL COM NEW 902973304 951 20,404 SH   SOLE   0 0 20,404
VALERO ENERGY CORP COM 91913Y100 335 5,913 SH   SOLE   0 0 5,913
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 570 6,879 SH   SOLE   0 0 6,879
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,454 95,864 SH   SOLE   0 0 95,864
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 4,812 29,220 SH   SOLE   0 0 29,220
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 232 674 SH   SOLE   0 0 674
VANGUARD INDEX FDS TOTAL STK MKT 922908769 931 4,783 SH   SOLE   0 0 4,783
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,264 90,201 SH   SOLE   0 0 90,201
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,938 37,930 SH   SOLE   0 0 37,930
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 514 6,175 SH   SOLE   0 0 6,175
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,492 158,705 SH   SOLE   0 0 158,705
VANGUARD WORLD FD MEGA CAP INDEX 921910873 289 2,166 SH   SOLE   0 0 2,166
VANGUARD WORLD FD MEGA GRWTH IND 921910816 11,649 57,171 SH   SOLE   0 0 57,171
VERIZON COMMUNICATIONS INC COM 92343V104 4,140 70,465 SH   SOLE   0 0 70,465
VISA INC COM CL A 92826C839 4,057 18,547 SH   SOLE   0 0 18,547
WALMART INC COM 931142103 3,831 26,577 SH   SOLE   0 0 26,577
WASTE MGMT INC DEL COM 94106L109 1,177 9,976 SH   SOLE   0 0 9,976
WISDOMTREE TR CBOE S&P 500 97717X560 1,557 54,565 SH   SOLE   0 0 54,565
WISDOMTREE TR CURRNCY INT EQ 97717X263 2,856 102,546 SH   SOLE   0 0 102,546
WISDOMTREE TR US QTLY DIV GRT 97717X669 12,914 239,326 SH   SOLE   0 0 239,326