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
AFLAC INC COM 001055102 214 3,986 SH   SOLE NONE 0 0 3,986
AT&T INC COM 00206R102 784 27,255 SH   SOLE NONE 0 0 27,255
ABBOTT LABS COM 002824100 559 4,819 SH   SOLE NONE 0 0 4,819
AIR PRODS & CHEMS INC COM 009158106 217 753 SH   SOLE NONE 0 0 753
AMEREN CORP COM 023608102 258 3,223 SH   SOLE NONE 0 0 3,223
AMGEN INC COM 031162100 875 3,588 SH   SOLE NONE 0 0 3,588
APPLE INC COM 037833100 1,901 13,881 SH   SOLE NONE 0 0 13,881
BECTON DICKINSON & CO COM 075887109 393 1,617 SH   SOLE NONE 0 0 1,617
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 762 2,742 SH   SOLE NONE 0 0 2,742
CISCO SYS INC COM 17275R102 1,634 30,836 SH   SOLE NONE 0 0 30,836
DTE ENERGY CO COM 233331107 267 2,058 SH   SOLE NONE 0 0 2,058
DIAGEO PLC SPON ADR NEW 25243Q205 942 4,915 SH   SOLE NONE 0 0 4,915
DISNEY WALT CO COM 254687106 1,424 8,099 SH   SOLE NONE 0 0 8,099
DOMINION ENERGY INC COM 25746U109 858 11,661 SH   SOLE NONE 0 0 11,661
GALLAGHER ARTHUR J & CO COM 363576109 330 2,359 SH   SOLE NONE 0 0 2,359
GENERAL MTRS CO COM 37045V100 831 14,039 SH   SOLE NONE 0 0 14,039
HOME DEPOT INC COM 437076102 282 886 SH   SOLE NONE 0 0 886
INTERPUBLIC GROUP COS INC COM 460690100 773 23,778 SH   SOLE NONE 0 0 23,778
JPMORGAN CHASE & CO COM 46625H100 2,775 17,838 SH   SOLE NONE 0 0 17,838
JOHNSON & JOHNSON COM 478160104 2,017 12,241 SH   SOLE NONE 0 0 12,241
L3HARRIS TECHNOLOGIES INC COM 502431109 1,162 5,378 SH   SOLE NONE 0 0 5,378
LEIDOS HOLDINGS INC COM 525327102 1,238 12,250 SH   SOLE NONE 0 0 12,250
LOCKHEED MARTIN CORP COM 539830109 408 1,078 SH   SOLE NONE 0 0 1,078
MCDONALDS CORP COM 580135101 1,578 6,830 SH   SOLE NONE 0 0 6,830
MICROSOFT CORP COM 594918104 4,272 15,770 SH   SOLE NONE 0 0 15,770
NORFOLK SOUTHN CORP COM 655844108 996 3,751 SH   SOLE NONE 0 0 3,751
PPG INDS INC COM 693506107 348 2,050 SH   SOLE NONE 0 0 2,050
PARKER-HANNIFIN CORP COM 701094104 430 1,400 SH   SOLE NONE 0 0 1,400
PEPSICO INC COM 713448108 1,355 9,145 SH   SOLE NONE 0 0 9,145
PHILIP MORRIS INTL INC COM 718172109 206 2,080 SH   SOLE NONE 0 0 2,080
PINTEREST INC CL A 72352L106 237 3,003 SH   SOLE NONE 0 0 3,003
PROCTER AND GAMBLE CO COM 742718109 1,899 14,074 SH   SOLE NONE 0 0 14,074
RAYTHEON TECHNOLOGIES CORP COM 75513E101 318 3,733 SH   SOLE NONE 0 0 3,733
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,224 2,859 SH   SOLE NONE 0 0 2,859
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 90,430 867,271 SH   SOLE NONE 0 0 867,271
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 65,593 1,662,677 SH   SOLE NONE 0 0 1,662,677
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 55,464 1,015,819 SH   SOLE NONE 0 0 1,015,819
SCHWAB STRATEGIC TR US TIPS ETF 808524870 18,377 293,982 SH   SOLE NONE 0 0 293,982
STRYKER CORPORATION COM 863667101 1,044 4,019 SH   SOLE NONE 0 0 4,019
SYSCO CORP COM 871829107 525 6,753 SH   SOLE NONE 0 0 6,753
TEXAS INSTRS INC COM 882508104 588 3,058 SH   SOLE NONE 0 0 3,058
3M CO COM 88579Y101 215 1,083 SH   SOLE NONE 0 0 1,083
UNION PAC CORP COM 907818108 220 999 SH   SOLE NONE 0 0 999
UNITED PARCEL SERVICE INC CL B 911312106 1,618 7,781 SH   SOLE NONE 0 0 7,781
VAIL RESORTS INC COM 91879Q109 963 3,043 SH   SOLE NONE 0 0 3,043
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 62,262 402,236 SH   SOLE NONE 0 0 402,236
VANGUARD WORLD FD MEGA GRWTH IND 921910816 205 885 SH   SOLE NONE 0 0 885
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 624 7,262 SH   SOLE NONE 0 0 7,262
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,924 406,143 SH   SOLE NONE 0 0 406,143
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8,666 165,347 SH   SOLE NONE 0 0 165,347
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 25,767 451,264 SH   SOLE NONE 0 0 451,264
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 38,043 700,471 SH   SOLE NONE 0 0 700,471
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,847 30,061 SH   SOLE NONE 0 0 30,061
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 18,947 205,946 SH   SOLE NONE 0 0 205,946
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 9,052 163,696 SH   SOLE NONE 0 0 163,696
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 319 810 SH   SOLE NONE 0 0 810
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,888 116,183 SH   SOLE NONE 0 0 116,183
VERIZON COMMUNICATIONS INC COM 92343V104 349 6,223 SH   SOLE NONE 0 0 6,223
WALMART INC COM 931142103 407 2,884 SH   SOLE NONE 0 0 2,884
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,157 60,000 SH   SOLE NONE 0 0 60,000
WASTE MGMT INC DEL COM 94106L109 1,134 8,095 SH   SOLE NONE 0 0 8,095
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 596 2,022 SH   SOLE NONE 0 0 2,022