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 864 16,577 SH   SOLE   16,576 0 0
AT&T INC COM 00206R102 1,136 42,043 SH   SOLE   42,043 0 0
ABBOTT LABS COM 002824100 307 2,600 SH   SOLE   2,599 0 0
ABBVIE INC COM 00287Y109 525 4,866 SH   SOLE   4,866 0 0
ALPHABET INC CAP STK CL C 02079K107 749 281 SH   SOLE   281 0 0
ALPHABET INC CAP STK CL A 02079K305 1,134 424 SH   SOLE   424 0 0
AMAZON COM INC COM 023135106 1,528 465 SH   SOLE   465 0 0
AMERICAN CAMPUS CMNTYS INC COM 024835100 224 4,620 SH   SOLE   4,620 0 0
ANTHEM INC COM 036752103 207 554 SH   SOLE   554 0 0
APPLE INC COM 037833100 7,017 49,590 SH   SOLE   49,590 0 0
AVANGRID INC COM 05351W103 239 4,920 SH   SOLE   4,920 0 0
BK OF AMERICA CORP COM 060505104 649 15,285 SH   SOLE   15,284 0 0
BARCLAYS BANK PLC IPATH SHILR CAPE 06742A669 53,156 2,522,841 SH   SOLE   2,522,841 0 0
BAXTER INTL INC COM 071813109 343 4,261 SH   SOLE   4,261 0 0
BECTON DICKINSON & CO COM 075887109 423 1,720 SH   SOLE   1,720 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,960 14,510 SH   SOLE   14,510 0 0
BIOGEN INC COM 09062X103 251 887 SH   SOLE   887 0 0
BLACKROCK SCIENCE & TECHNOLO SHS BEN INT 09260K101 289 7,500 SH   SOLE   7,500 0 0
BOOKING HOLDINGS INC COM 09857L108 275 116 SH   SOLE   116 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 877 14,823 SH   SOLE   14,822 0 0
BROADCOM INC COM 11135F101 337 694 SH   SOLE   694 0 0
CHEVRON CORP NEW COM 166764100 1,303 12,845 SH   SOLE   12,844 0 0
CISCO SYS INC COM 17275R102 1,344 24,688 SH   SOLE   24,687 0 0
COCA COLA CO COM 191216100 1,351 25,746 SH   SOLE   25,746 0 0
COLGATE PALMOLIVE CO COM 194162103 650 8,600 SH   SOLE   8,600 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 229 8,603 SH   SOLE   8,603 0 0
DISNEY WALT CO COM 254687106 592 3,502 SH   SOLE   3,501 0 0
DRIVEN BRANDS HLDGS INC COM 26210V102 2,582 89,371 SH   SOLE   89,371 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,055 9,315 SH   SOLE   9,315 0 0
EXXON MOBIL CORP COM 30231G102 1,013 17,225 SH   SOLE   17,225 0 0
FACEBOOK INC CL A 30303M102 582 1,714 SH   SOLE   1,714 0 0
FORTINET INC COM 34959E109 204 700 SH   SOLE   700 0 0
GILEAD SCIENCES INC COM 375558103 270 3,872 SH   SOLE   3,872 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 1,062 31,080 SH   SOLE   31,080 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 249 14,060 SH   SOLE   14,060 0 0
HOME DEPOT INC COM 437076102 2,947 8,976 SH   SOLE   8,976 0 0
INTEL CORP COM 458140100 1,077 20,218 SH   SOLE   20,217 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,295 9,320 SH   SOLE   9,320 0 0
INTERPUBLIC GROUP COS INC COM 460690100 236 6,445 SH   SOLE   6,445 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 22,171 121,493 SH   SOLE   121,493 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 468 21,175 SH   SOLE   21,175 0 0
ISHARES TR TIPS BD ETF 464287176 410 3,208 SH   SOLE   3,208 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,331 26,428 SH   SOLE   26,428 0 0
ISHARES TR MSCI ACWI ETF 464288257 3,618 36,212 SH   SOLE   36,212 0 0
ISHARES TR JPMORGAN USD EMG 464288281 218 1,982 SH   SOLE   1,982 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 526 7,158 SH   SOLE   7,157 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 61,289 465,262 SH   SOLE   465,262 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 54,139 762,528 SH   SOLE   762,527 0 0
ISHARES TR CORE MSCI EAFE 46432F842 33,359 449,275 SH   SOLE   449,275 0 0
ISHARES INC CORE MSCI EMKT 46434G103 278 4,506 SH   SOLE   4,506 0 0
ISHARES TR MSCI GBL MULTIFC 46434V316 822 22,269 SH   SOLE   22,269 0 0
JPMORGAN CHASE & CO COM 46625H100 1,431 8,741 SH   SOLE   8,740 0 0
JOHNSON & JOHNSON COM 478160104 1,507 9,330 SH   SOLE   9,329 0 0
KINDER MORGAN INC DEL COM 49456B101 235 14,054 SH   SOLE   14,054 0 0
KRAFT HEINZ CO COM 500754106 249 6,754 SH   SOLE   6,754 0 0
LILLY ELI & CO COM 532457108 1,202 5,203 SH   SOLE   5,203 0 0
LINCOLN NATL CORP IND COM 534187109 234 3,400 SH   SOLE   3,400 0 0
LISTED FD TR CORE ALT FD 53656F847 593 19,995 SH   SOLE   19,995 0 0
LOUISIANA PAC CORP COM 546347105 245 4,000 SH   SOLE   4,000 0 0
MERCK & CO INC COM 58933Y105 473 6,298 SH   SOLE   6,298 0 0
MICROSOFT CORP COM 594918104 4,231 15,008 SH   SOLE   15,008 0 0
NETFLIX INC COM 64110L106 728 1,192 SH   SOLE   1,192 0 0
NEXTERA ENERGY INC COM 65339F101 340 4,334 SH   SOLE   4,334 0 0
NIKE INC CL B 654106103 541 3,725 SH   SOLE   3,725 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 303 496 SH   SOLE   496 0 0
ORACLE CORP COM 68389X105 598 6,862 SH   SOLE   6,862 0 0
PACER FDS TR TRENDP US MID CP 69374H204 385 10,952 SH   SOLE   10,951 0 0
PAYPAL HLDGS INC COM 70450Y103 298 1,144 SH   SOLE   1,144 0 0
PEPSICO INC COM 713448108 737 4,903 SH   SOLE   4,903 0 0
PFIZER INC COM 717081103 1,252 29,099 SH   SOLE   29,098 0 0
PHYSICIANS RLTY TR COM 71943U104 275 15,580 SH   SOLE   15,580 0 0
PROCTER AND GAMBLE CO COM 742718109 1,260 9,012 SH   SOLE   9,011 0 0
PUBLIC STORAGE COM 74460D109 831 2,797 SH   SOLE   2,796 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 415 19,488 SH   SOLE   19,488 0 0
S&P GLOBAL INC COM 78409V104 478 1,125 SH   SOLE   1,125 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,037 11,737 SH   SOLE   11,737 0 0
SPDR GOLD TR GOLD SHS 78463V107 508 3,095 SH   SOLE   3,095 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 225 3,000 SH   SOLE   3,000 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 234 5,063 SH   SOLE   5,063 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 61,166 127,195 SH   SOLE   127,195 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 420 8,136 SH   SOLE   8,136 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 399 8,074 SH   SOLE   8,074 0 0
SALESFORCE COM INC COM 79466L302 373 1,374 SH   SOLE   1,374 0 0
SCHWAB CHARLES CORP COM 808513105 520 7,139 SH   SOLE   7,138 0 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 36,121 847,910 SH   SOLE   847,909 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 37,804 717,618 SH   SOLE   717,618 0 0
SIMON PPTY GROUP INC NEW COM 828806109 239 1,842 SH   SOLE   1,842 0 0
STAG INDL INC COM 85254J102 330 8,410 SH   SOLE   8,410 0 0
3M CO COM 88579Y101 476 2,714 SH   SOLE   2,713 0 0
UNION PAC CORP COM 907818108 367 1,874 SH   SOLE   1,874 0 0
UNITEDHEALTH GROUP INC COM 91324P102 384 982 SH   SOLE   982 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 243 8,094 SH   SOLE   8,094 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 239 1,554 SH   SOLE   1,554 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 414 4,007 SH   SOLE   4,007 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 26,980 201,807 SH   SOLE   201,806 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 58,804 577,470 SH   SOLE   577,470 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 390 6,400 SH   SOLE   6,400 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 24,651 492,912 SH   SOLE   492,911 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 851 2,157 SH   SOLE   2,157 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 2,851 21,060 SH   SOLE   21,060 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 594 2,676 SH   SOLE   2,676 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 878 16,252 SH   SOLE   16,251 0 0
VIATRIS INC COM 92556V106 244 18,014 SH   SOLE   18,014 0 0
VISA INC COM CL A 92826C839 689 3,094 SH   SOLE   3,094 0 0
WALMART INC COM 931142103 2,704 19,404 SH   SOLE   19,403 0 0
WELLS FARGO CO NEW COM 949746101 742 15,979 SH   SOLE   15,979 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 1,656 3,900 SH   SOLE   3,900 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 27,473 513,705 SH   SOLE   513,704 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 2,262 60,624 SH   SOLE   60,624 0 0