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
AMAZON COM INC COM COM 023135106 7,077 2,287 SH   SOLE NONE 0 0 2,287
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 416 3,138 SH   SOLE NONE 0 0 3,138
STARBUCKS CORP COM COM 855244109 1,887 17,275 SH   SOLE NONE 0 0 17,275
SQUARE INC CL A CL A 852234103 228 1,006 SH   SOLE NONE 0 0 1,006
ANTHEM INC COM COM 036752103 326 909 SH   SOLE NONE 0 0 909
ISHARES COMEX GOLD TRUST ISHARES 464285105 7,508 461,804 SH   SOLE NONE 0 0 461,804
JOHNSON & JOHNSON COM COM 478160104 2,877 17,505 SH   SOLE NONE 0 0 17,505
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 30,112 145,689 SH   SOLE NONE 0 0 145,689
COSTCO WHSL CORP NEW COM COM 22160K105 473 1,342 SH   SOLE NONE 0 0 1,342
PROCTER AND GAMBLE CO COM COM 742718109 2,333 17,233 SH   SOLE NONE 0 0 17,233
COCA COLA CO COM COM 191216100 2,865 54,369 SH   SOLE NONE 0 0 54,369
TRUIST FINL CORP COM COM 89832Q109 253 4,346 SH   SOLE NONE 0 0 4,346
UNITED PARCEL SERVICE INC CL B CL B 911312106 476 2,801 SH   SOLE NONE 0 0 2,801
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 3,823 41,626 SH   SOLE NONE 0 0 41,626
INTEL CORP COM COM 458140100 798 12,470 SH   SOLE NONE 0 0 12,470
CME GROUP INC COM COM 12572Q105 306 1,500 SH   SOLE NONE 0 0 1,500
MEDTRONIC PLC SHS SHS G5960L103 1,894 16,036 SH   SOLE NONE 0 0 16,036
NETFLIX INC COM COM 64110L106 606 1,162 SH   SOLE NONE 0 0 1,162
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 685 3,752 SH   SOLE NONE 0 0 3,752
MERCK & CO. INC COM COM 58933Y105 2,312 29,996 SH   SOLE NONE 0 0 29,996
SPDR S&P 500 ETF TR UNIT 78462F103 4,524 11,416 SH   SOLE NONE 0 0 11,416
MASTERCARD INCORPORATED CL A CL A 57636Q104 868 2,438 SH   SOLE NONE 0 0 2,438
ILLINOIS TOOL WKS INC COM COM 452308109 1,656 7,477 SH   SOLE NONE 0 0 7,477
ALLSTATE CORP COM COM 020002101 1,599 13,919 SH   SOLE NONE 0 0 13,919
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 301 2,400 SH   SOLE NONE 0 0 2,400
SYNCHRONOSS TECHNOLOGIES INC COM COM 87157B103 101 28,317 SH   SOLE NONE 0 0 28,317
VERIZON COMMUNICATIONS INC COM COM 92343V104 658 11,325 SH   SOLE NONE 0 0 11,325
FEDEX CORP COM COM 31428X106 286 1,007 SH   SOLE NONE 0 0 1,007
PEPSICO INC COM COM 713448108 522 3,693 SH   SOLE NONE 0 0 3,693
KIMBERLY-CLARK CORP COM COM 494368103 254 1,832 SH   SOLE NONE 0 0 1,832
HONEYWELL INTL INC COM COM 438516106 2,112 9,733 SH   SOLE NONE 0 0 9,733
FORD MTR CO DEL COM COM 345370860 232 18,987 SH   SOLE NONE 0 0 18,987
HOME DEPOT INC COM COM 437076102 3,065 10,042 SH   SOLE NONE 0 0 10,042
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,978 10,499 SH   SOLE NONE 0 0 10,499
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 649 5,562 SH   SOLE NONE 0 0 5,562
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,453 77,632 SH   SOLE NONE 0 0 77,632
SPDR GOLD SHARES GOLD SHS 78463V107 763 4,776 SH   SOLE NONE 0 0 4,776
SOUTHERN CO COM COM 842587107 868 13,968 SH   SOLE NONE 0 0 13,968
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 12,531 51,562 SH   SOLE NONE 0 0 51,562
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 2,413 47,555 SH   SOLE NONE 0 0 47,555
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,374 9,296 SH   SOLE NONE 0 0 9,296
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 652 1,372 SH   SOLE NONE 0 0 1,372
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 2,037 988 SH   SOLE NONE 0 0 988
PROGRESSIVE CORP COM COM 743315103 1,776 18,585 SH   SOLE NONE 0 0 18,585
INTUIT COM COM 461202103 292 763 SH   SOLE NONE 0 0 763
CSX CORP COM COM 126408103 241 2,506 SH   SOLE NONE 0 0 2,506
COMCAST CORP NEW CL A CL A 20030N101 385 7,118 SH   SOLE NONE 0 0 7,118
MICROSOFT CORP COM COM 594918104 6,397 27,134 SH   SOLE NONE 0 0 27,134
CVS HEALTH CORP COM COM 126650100 287 3,823 SH   SOLE NONE 0 0 3,823
SIMON PPTY GROUP INC NEW COM COM 828806109 222 1,957 SH   SOLE NONE 0 0 1,957
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 771 2 SH   SOLE NONE 0 0 2
BOEING CO COM COM 097023105 325 1,278 SH   SOLE NONE 0 0 1,278
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 321 1,452 SH   SOLE NONE 0 0 1,452
NEXTERA ENERGY INC COM COM 65339F101 466 6,168 SH   SOLE NONE 0 0 6,168
NIKE INC CL B CL B 654106103 311 2,347 SH   SOLE NONE 0 0 2,347
TESLA INC COM COM 88160R101 1,121 1,679 SH   SOLE NONE 0 0 1,679
FINANCIAL SELECT SECTOR SPDR FUND SBI INT-FINL 81369Y605 262 7,706 SH   SOLE NONE 0 0 7,706
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 392 7,656 SH   SOLE NONE 0 0 7,656
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 202 1,072 SH   SOLE NONE 0 0 1,072
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 806 2,250 SH   SOLE NONE 0 0 2,250
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 260 4,751 SH   SOLE NONE 0 0 4,751
DOW INC COM COM 260557103 211 3,314 SH   SOLE NONE 0 0 3,314
ZOOM VIDEO COMMUNICATIONS INC CL A CL A 98980L101 318 992 SH   SOLE NONE 0 0 992
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 324 891 SH   SOLE NONE 0 0 891
LILLY ELI & CO COM COM 532457108 1,812 9,702 SH   SOLE NONE 0 0 9,702
AIR PRODS & CHEMS INC COM COM 009158106 1,601 5,691 SH   SOLE NONE 0 0 5,691
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 234 937 SH   SOLE NONE 0 0 937
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 426 1,931 SH   SOLE NONE 0 0 1,931
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 255 2,650 SH   SOLE NONE 0 0 2,650
DIGITAL RLTY TR INC COM COM 253868103 209 1,484 SH   SOLE NONE 0 0 1,484
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING CLOUD COMPUTING 33734X192 208 2,174 SH   SOLE NONE 0 0 2,174
STATE AUTO FINL CORP COM COM 855707105 2,670 135,487 SH   SOLE NONE 0 0 135,487
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 301 1,822 SH   SOLE NONE 0 0 1,822
KEMPER CORP COM COM 488401100 1,548 19,420 SH   SOLE NONE 0 0 19,420
VISA INC COM CL A COM CL A 92826C839 1,065 5,033 SH   SOLE NONE 0 0 5,033
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 343 4,970 SH   SOLE NONE 0 0 4,970
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 608 2,216 SH   SOLE NONE 0 0 2,216
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 8,287 63,044 SH   SOLE NONE 0 0 63,044
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 14,047 54,650 SH   SOLE NONE 0 0 54,650
SPIRE INC COM COM 84857L101 11,656 157,757 SH   SOLE NONE 0 0 157,757
AMERICAN TOWER CORP NEW COM COM 03027X100 312 1,309 SH   SOLE NONE 0 0 1,309
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 23,165 252,902 SH   SOLE NONE 0 0 252,902
FACEBOOK INC CL A CL A 30303M102 1,265 4,298 SH   SOLE NONE 0 0 4,298
BROADCOM INC COM COM 11135F101 606 1,309 SH   SOLE NONE 0 0 1,309
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 13,867 192,467 SH   SOLE NONE 0 0 192,467
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 3,358 12,158 SH   SOLE NONE 0 0 12,158
KROGER CO COM COM 501044101 372 10,342 SH   SOLE NONE 0 0 10,342
NVIDIA CORPORATION COM COM 67066G104 908 1,702 SH   SOLE NONE 0 0 1,702
ABBVIE INC COM COM 00287Y109 576 5,326 SH   SOLE NONE 0 0 5,326
S&P GLOBAL INC COM COM 78409V104 225 639 SH   SOLE NONE 0 0 639
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 3,971 61,700 SH   SOLE NONE 0 0 61,700
QUALCOMM INC COM COM 747525103 219 1,653 SH   SOLE NONE 0 0 1,653
GENERAL DYNAMICS CORP COM COM 369550108 1,896 10,447 SH   SOLE NONE 0 0 10,447
MCDONALDS CORP COM COM 580135101 2,124 9,479 SH   SOLE NONE 0 0 9,479
CISCO SYS INC COM COM 17275R102 1,758 34,016 SH   SOLE NONE 0 0 34,016
ADVANCED MICRO DEVICES INC COM COM 007903107 219 2,797 SH   SOLE NONE 0 0 2,797
AT&T INC COM COM 00206R102 390 12,911 SH   SOLE NONE 0 0 12,911
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 1,204 13,577 SH   SOLE NONE 0 0 13,577
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND NASDAQ BIOTECH 464287556 275 1,830 SH   SOLE NONE 0 0 1,830
GENERAL ELECTRIC CO COM COM 369604103 309 23,572 SH   SOLE NONE 0 0 23,572
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 436 2,598 SH   SOLE NONE 0 0 2,598
CHARTER COMMUNICATIONS INC NEW CL A CL A 16119P108 215 350 SH   SOLE NONE 0 0 350
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,214 3,053 SH   SOLE NONE 0 0 3,053
UNION PAC CORP COM COM 907818108 1,853 8,411 SH   SOLE NONE 0 0 8,411
ISHARES MBS ETF MBS ETF 464288588 898 8,290 SH   SOLE NONE 0 0 8,290
SALESFORCE COM INC COM COM 79466L302 392 1,853 SH   SOLE NONE 0 0 1,853
NORTHROP GRUMMAN CORP COM COM 666807102 1,573 4,862 SH   SOLE NONE 0 0 4,862
THERMO FISHER SCIENTIFIC INC COM COM 883556102 660 1,447 SH   SOLE NONE 0 0 1,447
LOCKHEED MARTIN CORP COM COM 539830109 2,417 6,541 SH   SOLE NONE 0 0 6,541
JPMORGAN CHASE & CO COM COM 46625H100 861 5,659 SH   SOLE NONE 0 0 5,659
CHEVRON CORP NEW COM COM 166764100 441 4,210 SH   SOLE NONE 0 0 4,210
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 401 3,457 SH   SOLE NONE 0 0 3,457
DANAHER CORPORATION COM COM 235851102 410 1,825 SH   SOLE NONE 0 0 1,825
M & T BK CORP COM COM 55261F104 206 1,365 SH   SOLE NONE 0 0 1,365
BK OF AMERICA CORP COM COM 060505104 263 6,813 SH   SOLE NONE 0 0 6,813
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 5,046 42,752 SH   SOLE NONE 0 0 42,752
WALMART INC COM COM 931142103 677 4,991 SH   SOLE NONE 0 0 4,991
INTERNATIONAL BUSINESS MACHS COM COM 459200101 240 1,808 SH   SOLE NONE 0 0 1,808
ORACLE CORP COM COM 68389X105 433 6,182 SH   SOLE NONE 0 0 6,182
TEXAS INSTRS INC COM COM 882508104 2,209 11,689 SH   SOLE NONE 0 0 11,689
TARGET CORP COM COM 87612E106 406 2,053 SH   SOLE NONE 0 0 2,053
PFIZER INC COM COM 717081103 464 12,829 SH   SOLE NONE 0 0 12,829
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 533 4,106 SH   SOLE NONE 0 0 4,106
3M CO COM COM 88579Y101 1,994 10,353 SH   SOLE NONE 0 0 10,353
CATERPILLAR INC COM COM 149123101 339 1,466 SH   SOLE NONE 0 0 1,466
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 1,410 682 SH   SOLE NONE 0 0 682
AMGEN INC COM COM 031162100 1,990 8,000 SH   SOLE NONE 0 0 8,000
APPLIED MATLS INC COM COM 038222105 217 1,631 SH   SOLE NONE 0 0 1,631
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF EMRNG MKT SVRG 46138E784 200 7,480 SH   SOLE NONE 0 0 7,480
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX DJ INTERNT IDX 33733E302 247 1,135 SH   SOLE NONE 0 0 1,135
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 16,846 147,994 SH   SOLE NONE 0 0 147,994
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 5,270 109,193 SH   SOLE NONE 0 0 109,193
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 298 11,169 SH   SOLE NONE 0 0 11,169
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 846 16,042 SH   SOLE NONE 0 0 16,042
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 606 12,554 SH   SOLE NONE 0 0 12,554
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 499 6,082 SH   SOLE NONE 0 0 6,082
BRISTOL-MYERS SQUIBB CO COM COM 110122108 402 6,381 SH   SOLE NONE 0 0 6,381
ALTRIA GROUP INC COM COM 02209S103 331 6,483 SH   SOLE NONE 0 0 6,483
DOMINION ENERGY INC COM COM 25746U109 276 3,637 SH   SOLE NONE 0 0 3,637
CITIGROUP INC COM NEW COM NEW 172967424 308 4,242 SH   SOLE NONE 0 0 4,242
EXXON MOBIL CORP COM COM 30231G102 815 14,601 SH   SOLE NONE 0 0 14,601
UNITEDHEALTH GROUP INC COM COM 91324P102 586 1,575 SH   SOLE NONE 0 0 1,575
LOWES COS INC COM COM 548661107 357 1,878 SH   SOLE NONE 0 0 1,878
VANECK VECTORS INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 853 16,663 SH   SOLE NONE 0 0 16,663
DEERE & CO COM COM 244199105 217 582 SH   SOLE NONE 0 0 582
PAYPAL HLDGS INC COM COM 70450Y103 906 3,732 SH   SOLE NONE 0 0 3,732
CROWN CASTLE INTL CORP NEW COM COM 22822V101 341 1,986 SH   SOLE NONE 0 0 1,986
AUTOZONE INC COM COM 053332102 216 154 SH   SOLE NONE 0 0 154
BLACKROCK INC COM COM 09247X101 358 475 SH   SOLE NONE 0 0 475
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,144 15,088 SH   SOLE NONE 0 0 15,088
APPLE INC COM COM 037833100 13,142 107,592 SH   SOLE NONE 0 0 107,592
ABBOTT LABS COM COM 002824100 2,029 16,933 SH   SOLE NONE 0 0 16,933
DISNEY WALT CO COM COM 254687106 917 4,973 SH   SOLE NONE 0 0 4,973
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 888 5,862 SH   SOLE NONE 0 0 5,862