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 7,867 2,364 SH   SOLE NONE 0 0 2,364
INVESCO QQQ TRUST UNIT SER 1 46090E103 265 726 SH   SOLE NONE 0 0 726
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 482 3,143 SH   SOLE NONE 0 0 3,143
STARBUCKS CORP COM COM 855244109 2,213 18,226 SH   SOLE NONE 0 0 18,226
SQUARE INC CL A CL A 852234103 248 1,005 SH   SOLE NONE 0 0 1,005
ANTHEM INC COM COM 036752103 334 869 SH   SOLE NONE 0 0 869
ISHARES GOLD TRUST ISHARES NEW 464285204 9,053 261,950 SH   SOLE NONE 0 0 261,950
JOHNSON & JOHNSON COM COM 478160104 3,219 18,690 SH   SOLE NONE 0 0 18,690
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 36,448 160,785 SH   SOLE NONE 0 0 160,785
COSTCO WHSL CORP NEW COM COM 22160K105 610 1,418 SH   SOLE NONE 0 0 1,418
PROCTER AND GAMBLE CO COM COM 742718109 2,514 17,672 SH   SOLE NONE 0 0 17,672
COCA COLA CO COM COM 191216100 2,865 50,234 SH   SOLE NONE 0 0 50,234
TRUIST FINL CORP COM COM 89832Q109 203 3,733 SH   SOLE NONE 0 0 3,733
UNITED PARCEL SERVICE INC CL B CL B 911312106 473 2,473 SH   SOLE NONE 0 0 2,473
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 4,719 44,401 SH   SOLE NONE 0 0 44,401
INTEL CORP COM COM 458140100 656 12,214 SH   SOLE NONE 0 0 12,214
CME GROUP INC COM COM 12572Q105 324 1,527 SH   SOLE NONE 0 0 1,527
MEDTRONIC PLC SHS SHS G5960L103 2,217 16,880 SH   SOLE NONE 0 0 16,880
NETFLIX INC COM COM 64110L106 601 1,162 SH   SOLE NONE 0 0 1,162
PAYCHEX INC COM COM 704326107 208 1,828 SH   SOLE NONE 0 0 1,828
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 749 3,922 SH   SOLE NONE 0 0 3,922
MERCK & CO INC COM COM 58933Y105 2,549 33,156 SH   SOLE NONE 0 0 33,156
SPDR S&P 500 ETF TR UNIT 78462F103 5,054 11,525 SH   SOLE NONE 0 0 11,525
MASTERCARD INCORPORATED CL A CL A 57636Q104 969 2,509 SH   SOLE NONE 0 0 2,509
ILLINOIS TOOL WKS INC COM COM 452308109 1,892 8,348 SH   SOLE NONE 0 0 8,348
ALLSTATE CORP COM COM 020002101 1,937 14,897 SH   SOLE NONE 0 0 14,897
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 257 1,970 SH   SOLE NONE 0 0 1,970
SYNCHRONOSS TECHNOLOGIES INC COM COM 87157B103 80 28,317 SH   SOLE NONE 0 0 28,317
VERIZON COMMUNICATIONS INC COM COM 92343V104 587 10,523 SH   SOLE NONE 0 0 10,523
FEDEX CORP COM COM 31428X106 292 1,042 SH   SOLE NONE 0 0 1,042
PEPSICO INC COM COM 713448108 612 3,902 SH   SOLE NONE 0 0 3,902
DXC TECHNOLOGY CO COM COM 23355L106 243 6,070 SH   SOLE NONE 0 0 6,070
HONEYWELL INTL INC COM COM 438516106 2,450 10,478 SH   SOLE NONE 0 0 10,478
FORD MTR CO DEL COM COM 345370860 309 22,139 SH   SOLE NONE 0 0 22,139
HOME DEPOT INC COM COM 437076102 3,420 10,419 SH   SOLE NONE 0 0 10,419
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,251 10,739 SH   SOLE NONE 0 0 10,739
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 693 5,245 SH   SOLE NONE 0 0 5,245
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,861 84,115 SH   SOLE NONE 0 0 84,115
SPDR GOLD SHARES GOLD SHS 78463V107 825 4,860 SH   SOLE NONE 0 0 4,860
SOUTHERN CO COM COM 842587107 1,300 20,360 SH   SOLE NONE 0 0 20,360
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 15,684 55,881 SH   SOLE NONE 0 0 55,881
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 243 2,290 SH   SOLE NONE 0 0 2,290
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 1,874 36,937 SH   SOLE NONE 0 0 36,937
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,604 9,358 SH   SOLE NONE 0 0 9,358
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 872 1,402 SH   SOLE NONE 0 0 1,402
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 2,794 1,037 SH   SOLE NONE 0 0 1,037
PROGRESSIVE CORP COM COM 743315103 1,762 18,518 SH   SOLE NONE 0 0 18,518
INTUIT COM COM 461202103 432 815 SH   SOLE NONE 0 0 815
CSX CORP COM COM 126408103 250 7,738 SH   SOLE NONE 0 0 7,738
COMCAST CORP NEW CL A CL A 20030N101 427 7,258 SH   SOLE NONE 0 0 7,258
MICROSOFT CORP COM COM 594918104 8,406 29,504 SH   SOLE NONE 0 0 29,504
DOCUSIGN INC COM COM 256163106 226 758 SH   SOLE NONE 0 0 758
CVS HEALTH CORP COM COM 126650100 314 3,814 SH   SOLE NONE 0 0 3,814
SIMON PPTY GROUP INC NEW COM COM 828806109 245 1,935 SH   SOLE NONE 0 0 1,935
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 838 2 SH   SOLE NONE 0 0 2
BOEING CO COM COM 097023105 293 1,295 SH   SOLE NONE 0 0 1,295
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 347 1,443 SH   SOLE NONE 0 0 1,443
NEXTERA ENERGY INC COM COM 65339F101 500 6,418 SH   SOLE NONE 0 0 6,418
NIKE INC CL B CL B 654106103 394 2,352 SH   SOLE NONE 0 0 2,352
TESLA INC COM COM 88160R101 1,132 1,647 SH   SOLE NONE 0 0 1,647
LINDE PLC SHS SHS G5494J103 279 907 SH   SOLE NONE 0 0 907
MODERNA INC COM COM 60770K107 401 1,135 SH   SOLE NONE 0 0 1,135
NORFOLK SOUTHN CORP COM COM 655844108 345 1,339 SH   SOLE NONE 0 0 1,339
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 291 5,665 SH   SOLE NONE 0 0 5,665
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 212 1,072 SH   SOLE NONE 0 0 1,072
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 927 2,250 SH   SOLE NONE 0 0 2,250
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 223 4,737 SH   SOLE NONE 0 0 4,737
DOW INC COM COM 260557103 222 3,564 SH   SOLE NONE 0 0 3,564
ZOOM VIDEO COMMUNICATIONS INC CL A CL A 98980L101 381 1,007 SH   SOLE NONE 0 0 1,007
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 361 895 SH   SOLE NONE 0 0 895
LILLY ELI & CO COM COM 532457108 2,491 10,230 SH   SOLE NONE 0 0 10,230
AIR PRODS & CHEMS INC COM COM 009158106 1,898 6,521 SH   SOLE NONE 0 0 6,521
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 270 3,748 SH   SOLE NONE 0 0 3,748
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 427 1,931 SH   SOLE NONE 0 0 1,931
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 304 2,892 SH   SOLE NONE 0 0 2,892
DIGITAL RLTY TR INC COM COM 253868103 208 1,348 SH   SOLE NONE 0 0 1,348
AMERICAN ELEC PWR CO INC COM COM 025537101 228 2,589 SH   SOLE NONE 0 0 2,589
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING CLOUD COMPUTING 33734X192 235 2,219 SH   SOLE NONE 0 0 2,219
STATE AUTO FINL CORP COM COM 855707105 6,774 135,487 SH   SOLE NONE 0 0 135,487
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 310 1,814 SH   SOLE NONE 0 0 1,814
KEMPER CORP COM COM 488401100 1,300 19,687 SH   SOLE NONE 0 0 19,687
VISA INC COM CL A COM CL A 92826C839 1,248 5,064 SH   SOLE NONE 0 0 5,064
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 379 4,969 SH   SOLE NONE 0 0 4,969
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 638 2,232 SH   SOLE NONE 0 0 2,232
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 8,850 63,737 SH   SOLE NONE 0 0 63,737
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 16,179 54,669 SH   SOLE NONE 0 0 54,669
SPIRE INC COM COM 84857L101 11,194 157,766 SH   SOLE NONE 0 0 157,766
AMERICAN TOWER CORP NEW COM COM 03027X100 400 1,415 SH   SOLE NONE 0 0 1,415
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 27,746 275,918 SH   SOLE NONE 0 0 275,918
FACEBOOK INC CL A CL A 30303M102 1,645 4,616 SH   SOLE NONE 0 0 4,616
MONDELEZ INTL INC CL A CL A 609207105 214 3,390 SH   SOLE NONE 0 0 3,390
BROADCOM INC COM COM 11135F101 598 1,231 SH   SOLE NONE 0 0 1,231
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 209 2,880 SH   SOLE NONE 0 0 2,880
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 16,040 212,309 SH   SOLE NONE 0 0 212,309
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 5,604 17,641 SH   SOLE NONE 0 0 17,641
KROGER CO COM COM 501044101 418 10,274 SH   SOLE NONE 0 0 10,274
NVIDIA CORPORATION COM COM 67066G104 1,323 6,784 SH   SOLE NONE 0 0 6,784
ABBVIE INC COM COM 00287Y109 657 5,651 SH   SOLE NONE 0 0 5,651
S&P GLOBAL INC COM COM 78409V104 283 660 SH   SOLE NONE 0 0 660
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 4,359 68,953 SH   SOLE NONE 0 0 68,953
ZOETIS INC CL A CL A 98978V103 282 1,389 SH   SOLE NONE 0 0 1,389
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,683 14,431 SH   SOLE NONE 0 0 14,431
QUALCOMM INC COM COM 747525103 244 1,627 SH   SOLE NONE 0 0 1,627
GENERAL DYNAMICS CORP COM COM 369550108 2,141 10,922 SH   SOLE NONE 0 0 10,922
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 241 243 SH   SOLE NONE 0 0 243
MCDONALDS CORP COM COM 580135101 2,611 10,756 SH   SOLE NONE 0 0 10,756
CISCO SYS INC COM COM 17275R102 2,228 40,240 SH   SOLE NONE 0 0 40,240
ADVANCED MICRO DEVICES INC COM COM 007903107 337 3,170 SH   SOLE NONE 0 0 3,170
AT&T INC COM COM 00206R102 537 19,139 SH   SOLE NONE 0 0 19,139
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 968 10,622 SH   SOLE NONE 0 0 10,622
ISHARES BIOTECHNOLOGY FUND ISHARES BIOTECH 464287556 303 1,830 SH   SOLE NONE 0 0 1,830
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 469 2,598 SH   SOLE NONE 0 0 2,598
CHARTER COMMUNICATIONS INC NEW CL A CL A 16119P108 312 419 SH   SOLE NONE 0 0 419
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,952 4,433 SH   SOLE NONE 0 0 4,433
UNION PAC CORP COM COM 907818108 2,104 9,616 SH   SOLE NONE 0 0 9,616
ISHARES MBS ETF MBS ETF 464288588 684 6,296 SH   SOLE NONE 0 0 6,296
SALESFORCE COM INC COM COM 79466L302 452 1,869 SH   SOLE NONE 0 0 1,869
NORTHROP GRUMMAN CORP COM COM 666807102 1,813 4,993 SH   SOLE NONE 0 0 4,993
THERMO FISHER SCIENTIFIC INC COM COM 883556102 777 1,438 SH   SOLE NONE 0 0 1,438
LOCKHEED MARTIN CORP COM COM 539830109 2,701 7,268 SH   SOLE NONE 0 0 7,268
JPMORGAN CHASE & CO COM COM 46625H100 934 6,155 SH   SOLE NONE 0 0 6,155
CHEVRON CORP NEW COM COM 166764100 443 4,351 SH   SOLE NONE 0 0 4,351
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 453 3,856 SH   SOLE NONE 0 0 3,856
DANAHER CORPORATION COM COM 235851102 548 1,843 SH   SOLE NONE 0 0 1,843
BK OF AMERICA CORP COM COM 060505104 306 7,983 SH   SOLE NONE 0 0 7,983
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 5,179 42,066 SH   SOLE NONE 0 0 42,066
WALMART INC COM COM 931142103 686 4,810 SH   SOLE NONE 0 0 4,810
INTERNATIONAL BUSINESS MACHS COM COM 459200101 266 1,885 SH   SOLE NONE 0 0 1,885
ORACLE CORP COM COM 68389X105 2,278 26,147 SH   SOLE NONE 0 0 26,147
TEXAS INSTRS INC COM COM 882508104 720 3,776 SH   SOLE NONE 0 0 3,776
TARGET CORP COM COM 87612E106 493 1,888 SH   SOLE NONE 0 0 1,888
PFIZER INC COM COM 717081103 587 13,720 SH   SOLE NONE 0 0 13,720
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 461 3,390 SH   SOLE NONE 0 0 3,390
3M CO COM COM 88579Y101 2,128 10,753 SH   SOLE NONE 0 0 10,753
CATERPILLAR INC COM COM 149123101 327 1,584 SH   SOLE NONE 0 0 1,584
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 1,972 729 SH   SOLE NONE 0 0 729
AMGEN INC COM COM 031162100 494 2,045 SH   SOLE NONE 0 0 2,045
APPLIED MATLS INC COM COM 038222105 264 1,886 SH   SOLE NONE 0 0 1,886
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX DJ INTERNT IDX 33733E302 275 1,135 SH   SOLE NONE 0 0 1,135
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 19,024 163,356 SH   SOLE NONE 0 0 163,356
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 6,734 130,311 SH   SOLE NONE 0 0 130,311
EATON CORP PLC SHS SHS G29183103 212 1,339 SH   SOLE NONE 0 0 1,339
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 288 10,503 SH   SOLE NONE 0 0 10,503
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 842 15,607 SH   SOLE NONE 0 0 15,607
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 482 12,087 SH   SOLE NONE 0 0 12,087
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 501 6,082 SH   SOLE NONE 0 0 6,082
PNC FINL SVCS GROUP INC COM COM 693475105 257 1,410 SH   SOLE NONE 0 0 1,410
BRISTOL-MYERS SQUIBB CO COM COM 110122108 411 6,058 SH   SOLE NONE 0 0 6,058
ALTRIA GROUP INC COM COM 02209S103 341 7,094 SH   SOLE NONE 0 0 7,094
DOMINION ENERGY INC COM COM 25746U109 266 3,556 SH   SOLE NONE 0 0 3,556
CITIGROUP INC COM NEW COM NEW 172967424 213 3,144 SH   SOLE NONE 0 0 3,144
EXXON MOBIL CORP COM COM 30231G102 882 15,326 SH   SOLE NONE 0 0 15,326
UNITEDHEALTH GROUP INC COM COM 91324P102 630 1,527 SH   SOLE NONE 0 0 1,527
PRICE T ROWE GROUP INC COM COM 74144T108 204 998 SH   SOLE NONE 0 0 998
LOWES COS INC COM COM 548661107 437 2,270 SH   SOLE NONE 0 0 2,270
VANECK VECTORS INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 830 15,923 SH   SOLE NONE 0 0 15,923
LINCOLN NATL CORP IND COM COM 534187109 319 5,171 SH   SOLE NONE 0 0 5,171
DEERE & CO COM COM 244199105 237 656 SH   SOLE NONE 0 0 656
CONFORMIS INC COM COM 20717E101 15 10,250 SH   SOLE NONE 0 0 10,250
PAYPAL HLDGS INC COM COM 70450Y103 1,107 4,017 SH   SOLE NONE 0 0 4,017
CROWN CASTLE INTL CORP NEW COM COM 22822V101 344 1,780 SH   SOLE NONE 0 0 1,780
AUTOZONE INC COM COM 053332102 242 149 SH   SOLE NONE 0 0 149
BLACKROCK INC COM COM 09247X101 380 438 SH   SOLE NONE 0 0 438
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,184 14,893 SH   SOLE NONE 0 0 14,893
APPLE INC COM COM 037833100 16,263 111,496 SH   SOLE NONE 0 0 111,496
ABBOTT LABS COM COM 002824100 2,339 19,337 SH   SOLE NONE 0 0 19,337
DISNEY WALT CO COM COM 254687106 875 4,969 SH   SOLE NONE 0 0 4,969
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 711 4,445 SH   SOLE NONE 0 0 4,445