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 438 3,383 SH   SOLE   0 0 3,383
ABBOTT LABS COM 002824100 862 7,933 SH   SOLE   0 0 7,933
ABBVIE INC COM 00287Y109 3,628 23,690 SH   SOLE   0 0 23,690
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 879 3,165 SH   SOLE   0 0 3,165
ALLSTATE CORP COM 020002101 796 6,279 SH   SOLE   0 0 6,279
ALPHABET INC CAP STK CL A 02079K305 629 289 SH   SOLE   0 0 289
ALTRIA GROUP INC COM 02209S103 1,193 28,570 SH   SOLE   0 0 28,570
AMAZON COM INC COM 023135106 282 2,653 SH   SOLE   0 0 2,653
AMDOCS LTD SHS G02602103 859 10,311 SH   SOLE   0 0 10,311
AMERICAN ELEC PWR CO INC COM 025537101 224 2,335 SH   SOLE   0 0 2,335
AMGEN INC COM 031162100 1,865 7,665 SH   SOLE   0 0 7,665
APPLE INC COM 037833100 3,016 22,062 SH   SOLE   0 0 22,062
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 343 1,256 SH   SOLE   0 0 1,256
BLOCK H & R INC COM 093671105 2,858 80,918 SH   SOLE   0 0 80,918
BRISTOL-MYERS SQUIBB CO COM 110122108 1,293 16,787 SH   SOLE   0 0 16,787
BROADCOM INC COM 11135F101 2,130 4,383 SH   SOLE   0 0 4,383
BUCKLE INC COM 118440106 291 10,522 SH   SOLE   0 0 10,522
CF INDS HLDGS INC COM 125269100 642 7,486 SH   SOLE   0 0 7,486
CISCO SYS INC COM 17275R102 799 18,732 SH   SOLE   0 0 18,732
COLGATE PALMOLIVE CO COM 194162103 1,027 12,815 SH   SOLE   0 0 12,815
DEVON ENERGY CORP NEW COM 25179M103 1,375 24,947 SH   SOLE   0 0 24,947
EMERSON ELEC CO COM 291011104 823 10,353 SH   SOLE   0 0 10,353
EMPLOYERS HLDGS INC COM 292218104 878 20,955 SH   SOLE   0 0 20,955
EOG RES INC COM 26875P101 876 7,936 SH   SOLE   0 0 7,936
ERICSSON ADR B SEK 10 294821608 195 26,356 SH   SOLE   0 0 26,356
FMC CORP COM NEW 302491303 755 7,053 SH   SOLE   0 0 7,053
FORTINET INC COM 34959E109 836 14,775 SH   SOLE   0 0 14,775
GARTNER INC COM 366651107 728 3,009 SH   SOLE   0 0 3,009
GENERAL MLS INC COM 370334104 1,042 13,806 SH   SOLE   0 0 13,806
GILEAD SCIENCES INC COM 375558103 426 6,900 SH   SOLE   0 0 6,900
GOLD FIELDS LTD SPONSORED ADR 38059T106 112 12,272 SH   SOLE   0 0 12,272
GSK PLC SPONSORED ADR 37733W105 773 17,757 SH   SOLE   0 0 17,757
HOME DEPOT INC COM 437076102 1,682 6,134 SH   SOLE   0 0 6,134
HORMEL FOODS CORP COM 440452100 613 12,935 SH   SOLE   0 0 12,935
HP INC COM 40434L105 1,286 39,226 SH   SOLE   0 0 39,226
INFOSYS LTD SPONSORED ADR 456788108 863 46,618 SH   SOLE   0 0 46,618
INTEL CORP COM 458140100 1,551 41,446 SH   SOLE   0 0 41,446
INTERNATIONAL BUSINESS MACHS COM 459200101 974 6,899 SH   SOLE   0 0 6,899
ISHARES INC CORE MSCI EMKT 46434G103 1,855 37,804 SH   SOLE   0 0 37,804
ISHARES SILVER TR ISHARES 46428Q109 189 10,114 SH   SOLE   0 0 10,114
ISHARES TR CORE DIV GRWTH 46434V621 1,050 22,045 SH   SOLE   0 0 22,045
ISHARES TR CORE MSCI EAFE 46432F842 7,096 120,584 SH   SOLE   0 0 120,584
ISHARES TR CORE MSCI INTL 46435G326 457 8,499 SH   SOLE   0 0 8,499
ISHARES TR CORE S&P MCP ETF 464287507 17,900 79,124 SH   SOLE   0 0 79,124
ISHARES TR CORE S&P SCP ETF 464287804 9,111 98,597 SH   SOLE   0 0 98,597
ISHARES TR CORE S&P TTL STK 464287150 685 8,178 SH   SOLE   0 0 8,178
ISHARES TR CORE S&P500 ETF 464287200 16,655 43,928 SH   SOLE   0 0 43,928
ISHARES TR INTL DIV GRWTH 46435G524 322 5,619 SH   SOLE   0 0 5,619
ISHARES TR SHRT NAT MUN ETF 464288158 10,798 103,163 SH   SOLE   0 0 103,163
ISHARES TR US TREAS BD ETF 46429B267 223 9,345 SH   SOLE   0 0 9,345
JOHNSON & JOHNSON COM 478160104 1,262 7,110 SH   SOLE   0 0 7,110
KELLOGG CO COM 487836108 624 8,747 SH   SOLE   0 0 8,747
KIMBERLY-CLARK CORP COM 494368103 899 6,652 SH   SOLE   0 0 6,652
LILLY ELI & CO COM 532457108 1,555 4,797 SH   SOLE   0 0 4,797
LOCKHEED MARTIN CORP COM 539830109 218 506 SH   SOLE   0 0 506
LOWES COS INC COM 548661107 637 3,647 SH   SOLE   0 0 3,647
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 923 10,555 SH   SOLE   0 0 10,555
MARRIOTT INTL INC NEW CL A 571903202 698 5,131 SH   SOLE   0 0 5,131
MCDONALDS CORP COM 580135101 1,148 4,651 SH   SOLE   0 0 4,651
MEDIFAST INC COM 58470H101 610 3,380 SH   SOLE   0 0 3,380
MERCK & CO INC COM 58933Y105 1,926 21,125 SH   SOLE   0 0 21,125
MICROSOFT CORP COM 594918104 1,836 7,147 SH   SOLE   0 0 7,147
MOODYS CORP COM 615369105 737 2,712 SH   SOLE   0 0 2,712
NATIONAL BK HLDGS CORP CL A 633707104 726 18,962 SH   SOLE   0 0 18,962
NETAPP INC COM 64110D104 553 8,471 SH   SOLE   0 0 8,471
NIKE INC CL B 654106103 2,517 24,624 SH   SOLE   0 0 24,624
NOVO-NORDISK A S ADR 670100205 1,757 15,766 SH   SOLE   0 0 15,766
NRG ENERGY INC COM NEW 629377508 255 6,677 SH   SOLE   0 0 6,677
NUCOR CORP COM 670346105 866 8,292 SH   SOLE   0 0 8,292
OCCIDENTAL PETE CORP COM 674599105 466 7,918 SH   SOLE   0 0 7,918
ONE GAS INC COM 68235P108 683 8,413 SH   SOLE   0 0 8,413
PAYCHEX INC COM 704326107 1,025 8,999 SH   SOLE   0 0 8,999
PFIZER INC COM 717081103 2,193 41,829 SH   SOLE   0 0 41,829
PHILIP MORRIS INTL INC COM 718172109 1,483 15,019 SH   SOLE   0 0 15,019
PREMIER INC CL A 74051N102 720 20,167 SH   SOLE   0 0 20,167
QUALCOMM INC COM 747525103 1,533 11,999 SH   SOLE   0 0 11,999
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 584 18,556 SH   SOLE   0 0 18,556
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,352 30,283 SH   SOLE   0 0 30,283
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 258 4,118 SH   SOLE   0 0 4,118
SCHWAB STRATEGIC TR US TIPS ETF 808524870 218 3,911 SH   SOLE   0 0 3,911
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 1,064 14,899 SH   SOLE   0 0 14,899
SPDR GOLD TR GOLD SHS 78463V107 224 1,328 SH   SOLE   0 0 1,328
SPDR SER TR S&P 400 MDCP VAL 78464A839 223 3,680 SH   SOLE   0 0 3,680
TESLA INC COM 88160R101 456 676 SH   SOLE   0 0 676
TEXAS INSTRS INC COM 882508104 1,797 11,698 SH   SOLE   0 0 11,698
ULTA BEAUTY INC COM 90384S303 683 1,772 SH   SOLE   0 0 1,772
UNILEVER PLC SPON ADR NEW 904767704 526 11,474 SH   SOLE   0 0 11,474
UNITED PARCEL SERVICE INC CL B 911312106 1,021 5,593 SH   SOLE   0 0 5,593
US BANCORP DEL COM NEW 902973304 328 7,127 SH   SOLE   0 0 7,127
VANGUARD BD INDEX FDS INTERMED TERM 921937819 14,288 184,000 SH   SOLE   0 0 184,000
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 546 6,855 SH   SOLE   0 0 6,855
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 26,794 348,922 SH   SOLE   0 0 348,922
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 9,250 122,909 SH   SOLE   0 0 122,909
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 21,070 425,320 SH   SOLE   0 0 425,320
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,763 10,227 SH   SOLE   0 0 10,227
VANGUARD INDEX FDS MID CAP ETF 922908629 454 2,307 SH   SOLE   0 0 2,307
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,381 26,136 SH   SOLE   0 0 26,136
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 79,566 229,376 SH   SOLE   0 0 229,376
VANGUARD INDEX FDS SMALL CP ETF 922908751 256 1,456 SH   SOLE   0 0 1,456
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,768 19,979 SH   SOLE   0 0 19,979
VANGUARD INDEX FDS VALUE ETF 922908744 189 1,436 SH   SOLE   0 0 1,436
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,949 190,846 SH   SOLE   0 0 190,846
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,260 25,247 SH   SOLE   0 0 25,247
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,572 25,710 SH   SOLE   0 0 25,710
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 13,304 226,033 SH   SOLE   0 0 226,033
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 13,286 92,604 SH   SOLE   0 0 92,604
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,185 22,952 SH   SOLE   0 0 22,952
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 30,089 737,483 SH   SOLE   0 0 737,483
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 14,514 142,714 SH   SOLE   0 0 142,714
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 4,690 68,360 SH   SOLE   0 0 68,360
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 5,117 87,002 SH   SOLE   0 0 87,002
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,861 58,336 SH   SOLE   0 0 58,336
VANGUARD WORLD FD ESG US CORP BD 921910691 1,882 29,884 SH   SOLE   0 0 29,884
VANGUARD WORLD FD ESG US STK ETF 921910733 5,449 82,058 SH   SOLE   0 0 82,058
VERIZON COMMUNICATIONS INC COM 92343V104 1,224 24,111 SH   SOLE   0 0 24,111
VIRTU FINL INC CL A 928254101 230 9,820 SH   SOLE   0 0 9,820
ISHARES TR CORE S&P MCP ETF 464287507 178 787 SH   DFND 1 0 0 787
ISHARES TR CORE S&P SCP ETF 464287804 90 971 SH   DFND 1 0 0 971
VANGUARD BD INDEX FDS INTERMED TERM 921937819 367 4,729 SH   DFND 1 0 0 4,729
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 0 1 SH   DFND 1 0 0 1
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 638 8,302 SH   DFND 1 0 0 8,302
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 42 563 SH   DFND 1 0 0 563
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 417 8,410 SH   DFND 1 0 0 8,410
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 78 857 SH   DFND 1 0 0 857
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,083 3,123 SH   DFND 1 0 0 3,123
VANGUARD INDEX FDS TOTAL STK MKT 922908769 202 1,069 SH   DFND 1 0 0 1,069
VANGUARD INDEX FDS VALUE ETF 922908744 10 73 SH   DFND 1 0 0 73
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 109 2,618 SH   DFND 1 0 0 2,618
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 51 840 SH   DFND 1 0 0 840
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 545 9,261 SH   DFND 1 0 0 9,261
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 552 3,846 SH   DFND 1 0 0 3,846
VANGUARD STAR FDS VG TL INTL STK F 921909768 58 1,125 SH   DFND 1 0 0 1,125
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 383 9,383 SH   DFND 1 0 0 9,383
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 545 5,358 SH   DFND 1 0 0 5,358
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 196 2,850 SH   DFND 1 0 0 2,850
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 197 3,344 SH   DFND 1 0 0 3,344
VANGUARD WORLD FD ESG INTL STK ETF 921910725 91 1,862 SH   DFND 1 0 0 1,862
VANGUARD WORLD FD ESG US CORP BD 921910691 76 1,204 SH   DFND 1 0 0 1,204
VANGUARD WORLD FD ESG US STK ETF 921910733 275 4,142 SH   DFND 1 0 0 4,142