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 208 3,986 SH   SOLE NONE 0 0 3,986
AT&T INC COM 00206R102 722 26,735 SH   SOLE NONE 0 0 26,735
ABBOTT LABS COM 002824100 569 4,820 SH   SOLE NONE 0 0 4,820
AMEREN CORP COM 023608102 261 3,223 SH   SOLE NONE 0 0 3,223
AMGEN INC COM 031162100 763 3,588 SH   SOLE NONE 0 0 3,588
APPLE INC COM 037833100 1,964 13,881 SH   SOLE NONE 0 0 13,881
BECTON DICKINSON & CO COM 075887109 381 1,550 SH   SOLE NONE 0 0 1,550
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 748 2,742 SH   SOLE NONE 0 0 2,742
CISCO SYS INC COM 17275R102 1,662 30,535 SH   SOLE NONE 0 0 30,535
DTE ENERGY CO COM 233331107 232 2,078 SH   SOLE NONE 0 0 2,078
DIAGEO PLC SPON ADR NEW 25243Q205 949 4,915 SH   SOLE NONE 0 0 4,915
DISNEY WALT CO COM 254687106 1,370 8,099 SH   SOLE NONE 0 0 8,099
DOMINION ENERGY INC COM 25746U109 836 11,451 SH   SOLE NONE 0 0 11,451
GALLAGHER ARTHUR J & CO COM 363576109 351 2,359 SH   SOLE NONE 0 0 2,359
GENERAL MTRS CO COM 37045V100 740 14,039 SH   SOLE NONE 0 0 14,039
HOME DEPOT INC COM 437076102 261 796 SH   SOLE NONE 0 0 796
INTERPUBLIC GROUP COS INC COM 460690100 872 23,778 SH   SOLE NONE 0 0 23,778
JPMORGAN CHASE & CO COM 46625H100 2,920 17,838 SH   SOLE NONE 0 0 17,838
JOHNSON & JOHNSON COM 478160104 1,977 12,241 SH   SOLE NONE 0 0 12,241
L3HARRIS TECHNOLOGIES INC COM 502431109 1,184 5,378 SH   SOLE NONE 0 0 5,378
LAMB WESTON HLDGS INC COM 513272104 717 11,678 SH   SOLE NONE 0 0 11,678
LEIDOS HOLDINGS INC COM 525327102 1,369 14,242 SH   SOLE NONE 0 0 14,242
LOCKHEED MARTIN CORP COM 539830109 368 1,066 SH   SOLE NONE 0 0 1,066
MCDONALDS CORP COM 580135101 1,637 6,788 SH   SOLE NONE 0 0 6,788
MICROSOFT CORP COM 594918104 4,446 15,770 SH   SOLE NONE 0 0 15,770
NORFOLK SOUTHN CORP COM 655844108 897 3,751 SH   SOLE NONE 0 0 3,751
PPG INDS INC COM 693506107 284 1,985 SH   SOLE NONE 0 0 1,985
PARKER-HANNIFIN CORP COM 701094104 377 1,348 SH   SOLE NONE 0 0 1,348
PEPSICO INC COM 713448108 1,376 9,145 SH   SOLE NONE 0 0 9,145
PINTEREST INC CL A 72352L106 212 4,152 SH   SOLE NONE 0 0 4,152
PROCTER AND GAMBLE CO COM 742718109 1,950 13,950 SH   SOLE NONE 0 0 13,950
RAYTHEON TECHNOLOGIES CORP COM 75513E101 307 3,569 SH   SOLE NONE 0 0 3,569
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,227 2,859 SH   SOLE NONE 0 0 2,859
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 87,151 839,120 SH   SOLE NONE 0 0 839,120
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 65,761 1,699,263 SH   SOLE NONE 0 0 1,699,263
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 56,443 1,040,229 SH   SOLE NONE 0 0 1,040,229
SCHWAB STRATEGIC TR US TIPS ETF 808524870 15,864 253,493 SH   SOLE NONE 0 0 253,493
STRYKER CORPORATION COM 863667101 1,062 4,028 SH   SOLE NONE 0 0 4,028
SYSCO CORP COM 871829107 530 6,753 SH   SOLE NONE 0 0 6,753
TEXAS INSTRS INC COM 882508104 588 3,058 SH   SOLE NONE 0 0 3,058
UNITED PARCEL SERVICE INC CL B 911312106 1,413 7,761 SH   SOLE NONE 0 0 7,761
VAIL RESORTS INC COM 91879Q109 1,017 3,043 SH   SOLE NONE 0 0 3,043
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 62,819 408,980 SH   SOLE NONE 0 0 408,980
VANGUARD WORLD FD MEGA GRWTH IND 921910816 208 885 SH   SOLE NONE 0 0 885
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 621 7,262 SH   SOLE NONE 0 0 7,262
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,332 422,495 SH   SOLE NONE 0 0 422,495
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 8,837 168,063 SH   SOLE NONE 0 0 168,063
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 28,482 500,031 SH   SOLE NONE 0 0 500,031
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 35,866 717,185 SH   SOLE NONE 0 0 717,185
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,218 19,838 SH   SOLE NONE 0 0 19,838
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 18,765 205,662 SH   SOLE NONE 0 0 205,662
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,321 151,923 SH   SOLE NONE 0 0 151,923
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 296 752 SH   SOLE NONE 0 0 752
VANGUARD INDEX FDS TOTAL STK MKT 922908769 25,509 114,875 SH   SOLE NONE 0 0 114,875
VERIZON COMMUNICATIONS INC COM 92343V104 297 5,498 SH   SOLE NONE 0 0 5,498
WALMART INC COM 931142103 373 2,676 SH   SOLE NONE 0 0 2,676
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,823 60,000 SH   SOLE NONE 0 0 60,000
WASTE MGMT INC DEL COM 94106L109 1,209 8,095 SH   SOLE NONE 0 0 8,095
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 647 2,022 SH   SOLE NONE 0 0 2,022