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
AT&T INC COM 00206R102 1,196 41,602 SH   SOLE NONE 0 0 41,602
ABBOTT LABS COM 002824100 535 4,887 SH   SOLE NONE 0 0 4,887
AIR PRODS & CHEMS INC COM 009158106 206 753 SH   SOLE NONE 0 0 753
AMEREN CORP COM 023608102 252 3,223 SH   SOLE NONE 0 0 3,223
AMGEN INC COM 031162100 1,272 5,534 SH   SOLE NONE 0 0 5,534
APPLE INC COM 037833100 2,101 15,837 SH   SOLE NONE 0 0 15,837
BECTON DICKINSON & CO COM 075887109 352 1,406 SH   SOLE NONE 0 0 1,406
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 771 3,325 SH   SOLE NONE 0 0 3,325
CISCO SYS INC COM 17275R102 1,786 39,905 SH   SOLE NONE 0 0 39,905
COCA COLA CO COM 191216100 311 5,671 SH   SOLE NONE 0 0 5,671
DIAGEO PLC SPON ADR NEW 25243Q205 1,087 6,845 SH   SOLE NONE 0 0 6,845
DISNEY WALT CO COM 254687106 1,803 9,954 SH   SOLE NONE 0 0 9,954
DOMINION ENERGY INC COM 25746U109 1,483 19,716 SH   SOLE NONE 0 0 19,716
GALLAGHER ARTHUR J & CO COM 363576109 309 2,501 SH   SOLE NONE 0 0 2,501
GENERAL MTRS CO COM 37045V100 897 21,550 SH   SOLE NONE 0 0 21,550
HOME DEPOT INC COM 437076102 315 1,188 SH   SOLE NONE 0 0 1,188
INTERPUBLIC GROUP COS INC COM 460690100 789 33,542 SH   SOLE NONE 0 0 33,542
JPMORGAN CHASE & CO COM 46625H100 2,809 22,105 SH   SOLE NONE 0 0 22,105
JOHNSON & JOHNSON COM 478160104 2,205 14,010 SH   SOLE NONE 0 0 14,010
L3HARRIS TECHNOLOGIES INC COM 502431109 1,017 5,378 SH   SOLE NONE 0 0 5,378
LEIDOS HOLDINGS INC COM 525327102 1,831 17,418 SH   SOLE NONE 0 0 17,418
LOCKHEED MARTIN CORP COM 539830109 407 1,147 SH   SOLE NONE 0 0 1,147
MCDONALDS CORP COM 580135101 1,970 9,181 SH   SOLE NONE 0 0 9,181
MICROSOFT CORP COM 594918104 3,871 17,402 SH   SOLE NONE 0 0 17,402
NORFOLK SOUTHN CORP COM 655844108 1,189 5,005 SH   SOLE NONE 0 0 5,005
NOVARTIS AG SPONSORED ADR 66987V109 258 2,732 SH   SOLE NONE 0 0 2,732
PPG INDS INC COM 693506107 317 2,200 SH   SOLE NONE 0 0 2,200
PARKER-HANNIFIN CORP COM 701094104 356 1,307 SH   SOLE NONE 0 0 1,307
PEPSICO INC COM 713448108 1,776 11,975 SH   SOLE NONE 0 0 11,975
PHILIP MORRIS INTL INC COM 718172109 284 3,431 SH   SOLE NONE 0 0 3,431
PINTEREST INC CL A 72352L106 207 3,142 SH   SOLE NONE 0 0 3,142
PROCTER AND GAMBLE CO COM 742718109 2,545 18,290 SH   SOLE NONE 0 0 18,290
RAYTHEON TECHNOLOGIES CORP COM 75513E101 259 3,628 SH   SOLE NONE 0 0 3,628
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,049 2,806 SH   SOLE NONE 0 0 2,806
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 83,654 919,372 SH   SOLE NONE 0 0 919,372
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 58,680 1,629,545 SH   SOLE NONE 0 0 1,629,545
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 49,643 885,999 SH   SOLE NONE 0 0 885,999
SCHWAB STRATEGIC TR US TIPS ETF 808524870 15,966 257,182 SH   SOLE NONE 0 0 257,182
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 257 1,975 SH   SOLE NONE 0 0 1,975
SHERWIN WILLIAMS CO COM 824348106 550 748 SH   SOLE NONE 0 0 748
STRYKER CORPORATION COM 863667101 980 3,999 SH   SOLE NONE 0 0 3,999
SYSCO CORP COM 871829107 699 9,409 SH   SOLE NONE 0 0 9,409
TEXAS INSTRS INC COM 882508104 409 2,494 SH   SOLE NONE 0 0 2,494
UNION PAC CORP COM 907818108 205 984 SH   SOLE NONE 0 0 984
UNITED PARCEL SERVICE INC CL B 911312106 1,707 10,139 SH   SOLE NONE 0 0 10,139
V F CORP COM 918204108 253 2,964 SH   SOLE NONE 0 0 2,964
VAIL RESORTS INC COM 91879Q109 1,321 4,734 SH   SOLE NONE 0 0 4,734
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 64,417 456,307 SH   SOLE NONE 0 0 456,307
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,067 340,341 SH   SOLE NONE 0 0 340,341
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 18,916 323,067 SH   SOLE NONE 0 0 323,067
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 25,085 500,603 SH   SOLE NONE 0 0 500,603
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 11,941 193,842 SH   SOLE NONE 0 0 193,842
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 18,445 195,881 SH   SOLE NONE 0 0 195,881
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,478 117,385 SH   SOLE NONE 0 0 117,385
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,247 109,162 SH   SOLE NONE 0 0 109,162
VERIZON COMMUNICATIONS INC COM 92343V104 388 6,600 SH   SOLE NONE 0 0 6,600
WALMART INC COM 931142103 591 4,100 SH   SOLE NONE 0 0 4,100
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,393 60,000 SH   SOLE NONE 0 0 60,000
WASTE MGMT INC DEL COM 94106L109 1,273 10,795 SH   SOLE NONE 0 0 10,795
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 456 1,747 SH   SOLE NONE 0 0 1,747