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
APPLE INC COM 037833100 2,409 8,203 SH   SOLE NONE 0 0 8,203
ABBVIE INC COM 00287Y109 37 417 SH   SOLE NONE 0 0 417
ABBOTT LABS COM 002824100 23 267 SH   SOLE NONE 0 0 267
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 414 1,965 SH   SOLE NONE 0 0 1,965
AGREE REALTY CORP COM 008492100 33 466 SH   SOLE NONE 0 0 466
AUTOMATIC DATA PROCESSING IN COM 053015103 13 78 SH   SOLE NONE 0 0 78
APARTMENT INVT &MGMT CO CL A 03748R754 32 628 SH   SOLE NONE 0 0 628
AMERICAN HOMES 4 RENT CL A 02665T306 17 666 SH   SOLE NONE 0 0 666
AMERICAN TOWER CORP NEW COM 03027X100 79 342 SH   SOLE NONE 0 0 342
AMAZON COM INC COM 023135106 55 30 SH   SOLE NONE 0 0 30
AMERICAN EXPRESS CO COM 025816109 13 107 SH   SOLE NONE 0 0 107
BANK AMER CORP COM 060505104 23 655 SH   SOLE NONE 0 0 655
BEACON ROOFING SUPPLY INC COM 073685109 118 3,692 SH   SOLE NONE 0 0 3,692
BAIDU INC SPON ADR REP A 056752108 2 18 SH   SOLE NONE 0 0 18
BROOKDALE SR LIVING INC COM 112463104 8 1,099 SH   SOLE NONE 0 0 1,099
BAKER HUGHES COMPANY CL A 05722G100 13 500 SH   SOLE NONE 0 0 500
BLACKROCK INC COM 09247X101 14 28 SH   SOLE NONE 0 0 28
BRISTOL MYERS SQUIBB CO COM 110122108 30 465 SH   SOLE NONE 0 0 465
BERKSHIRE HATHAWAY INC DEL CL A 084670108 679 2 SH   SOLE NONE 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 28 125 SH   SOLE NONE 0 0 125
CROWN HOLDINGS INC COM 228368106 23 319 SH   SOLE NONE 0 0 319
COMMUNITY HEALTHCARE TR INC COM 20369C106 11 250 SH   SOLE NONE 0 0 250
CIGNA CORP NEW COM 125523100 44,112 215,717 SH   SOLE NONE 0 0 215,717
CUMMINS INC COM 231021106 358 2,000 SH   SOLE NONE 0 0 2,000
SPDR SERIES TRUST S&P KENSHO CLEAN 78468R655 30 643 SH   SOLE NONE 0 0 643
COSTCO WHSL CORP NEW COM 22160K105 17 59 SH   SOLE NONE 0 0 59
CANADIAN PAC RY LTD COM 13645T100 28 110 SH   SOLE NONE 0 0 110
CISCO SYS INC COM 17275R102 22 450 SH   SOLE NONE 0 0 450
CSX CORP COM 126408103 12 168 SH   SOLE NONE 0 0 168
CORTEVA INC COM 22052L104 6 209 SH   SOLE NONE 0 0 209
CARVANA CO CL A 146869102 1 12 SH   SOLE NONE 0 0 12
CHEVRON CORP NEW COM 166764100 25 207 SH   SOLE NONE 0 0 207
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 23 877 SH   SOLE NONE 0 0 877
DOMINION ENERGY INC COM 25746U109 12 150 SH   SOLE NONE 0 0 150
DUPONT DE NEMOURS INC COM 26614N102 13 209 SH   SOLE NONE 0 0 209
3-D SYS CORP DEL COM NEW 88554D205 2 230 SH   SOLE NONE 0 0 230
DOLLAR GEN CORP NEW COM 256677105 415 2,660 SH   SOLE NONE 0 0 2,660
ISHARES TR CORE DIV GRWTH 46434V621 7,660 182,076 SH   SOLE NONE 0 0 182,076
DISNEY WALT CO COM DISNEY 254687106 59 407 SH   SOLE NONE 0 0 407
WISDOMTREE TR US LARGECAP DIVD 97717W307 191 1,800 SH   SOLE NONE 0 0 1,800
WISDOMTREE TR US MIDCAP DIVID 97717W505 75 1,959 SH   SOLE NONE 0 0 1,959
DOW INC COM 260557103 9 161 SH   SOLE NONE 0 0 161
DARDEN RESTAURANTS INC COM 237194105 97 890 SH   SOLE NONE 0 0 890
DUKE ENERGY CORP NEW COM NEW 26441C204 38 416 SH   SOLE NONE 0 0 416
DXC TECHNOLOGY CO COM 23355L106 0 5 SH   SOLE NONE 0 0 5
CONSOLIDATED EDISON INC COM 209115104 14 150 SH   SOLE NONE 0 0 150
EQUITY LIFESTYLE PPTYS INC COM 29472R108 17 242 SH   SOLE NONE 0 0 242
EMERSON ELEC CO COM 291011104 12 161 SH   SOLE NONE 0 0 161
ENTERPRISE PRODS PARTNERS L COM 293792107 15 537 SH   SOLE NONE 0 0 537
EQUINIX INC COM 29444U700 71 121 SH   SOLE NONE 0 0 121
EATON VANCE TX MNG BY WRT OP COM 27828Y108 557 37,252 SH   SOLE NONE 0 0 37,252
EXACT SCIENCES CORP COM 30063P105 6 60 SH   SOLE NONE 0 0 60
EXTRA SPACE STORAGE INC COM 30225T102 11 107 SH   SOLE NONE 0 0 107
FIRST AMERN FINL CORP COM 31847R102 145 2,480 SH   SOLE NONE 0 0 2,480
FASTENAL CO COM 311900104 222 6,000 SH   SOLE NONE 0 0 6,000
FIDELITY COVINGTON TR MSCI COMMNTN SVC 316092873 204 5,701 SH   SOLE NONE 0 0 5,701
FIDELITY COVINGTON TR MSCI CONSM DIS 316092204 208 4,301 SH   SOLE NONE 0 0 4,301
FEDEX CORP COM 31428X106 353 2,334 SH   SOLE NONE 0 0 2,334
FIDELITY COVINGTON TR MSCI ENERGY IDX 316092402 97 6,046 SH   SOLE NONE 0 0 6,046
FIDELITY COVINGTON TR MSCI HLTH CARE I 316092600 188 3,788 SH   SOLE NONE 0 0 3,788
FIDELITY COVINGTON TR MSCI INDL INDX 316092709 205 4,873 SH   SOLE NONE 0 0 4,873
FISERV INC COM 337738108 417 3,604 SH   SOLE NONE 0 0 3,604
FIFTH THIRD BANCORP COM 316773100 28 906 SH   SOLE NONE 0 0 906
ISHARES INC MSCI FRNTR100ETF 464286145 376 12,403 SH   SOLE NONE 0 0 12,403
FIDELITY COVINGTON TR MSCI MATLS INDEX 316092881 72 2,102 SH   SOLE NONE 0 0 2,102
FIDELITY COVINGTON TR MSCI FINLS IDX 316092501 268 6,040 SH   SOLE NONE 0 0 6,040
FIDELITY COVINGTON TR MSCI RL EST ETF 316092857 119 4,261 SH   SOLE NONE 0 0 4,261
FRANKLIN FINL NETWORK INC COM 35352P104 37 1,064 SH   SOLE NONE 0 0 1,064
FIDELITY COVINGTON TR CONSMR STAPLES 316092303 150 3,968 SH   SOLE NONE 0 0 3,968
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 455 6,280 SH   SOLE NONE 0 0 6,280
FIDELITY COVINGTON TR MSCI UTILS INDEX 316092865 65 1,526 SH   SOLE NONE 0 0 1,526
GENERAL ELECTRIC CO COM 369604103 167 14,932 SH   SOLE NONE 0 0 14,932
GILEAD SCIENCES INC COM 375558103 196 3,014 SH   SOLE NONE 0 0 3,014
GENERAL MLS INC COM 370334104 171 3,200 SH   SOLE NONE 0 0 3,200
CORNING INC COM 219350105 12 423 SH   SOLE NONE 0 0 423
ALPHABET INC CAP STK CL C 02079K107 13 10 SH   SOLE NONE 0 0 10
ALPHABET INC CAP STK CL A 02079K305 13 10 SH   SOLE NONE 0 0 10
GRAPHIC PACKAGING HLDG CO COM 388689101 140 8,397 SH   SOLE NONE 0 0 8,397
GLOBAL PMTS INC COM 37940X102 7 41 SH   SOLE NONE 0 0 41
HANESBRANDS INC COM 410345102 6 378 SH   SOLE NONE 0 0 378
HOME DEPOT INC COM 437076102 774 3,546 SH   SOLE NONE 0 0 3,546
ISHARES TR CORE HIGH DV ETF 46429B663 943 9,618 SH   SOLE NONE 0 0 9,618
HARLEY DAVIDSON INC COM 412822108 32 861 SH   SOLE NONE 0 0 861
HONEYWELL INTL INC COM 438516106 13 75 SH   SOLE NONE 0 0 75
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1 63 SH   SOLE NONE 0 0 63
HP INC COM 40434L105 1 63 SH   SOLE NONE 0 0 63
HEALTHCARE TR AMER INC CL A NEW 42225P501 1,117 36,887 SH   SOLE NONE 0 0 36,887
ISHARES GOLD TRUST ISHARES 464285105 22 1,521 SH   SOLE NONE 0 0 1,521
ISHARES TR ULTR SH TRM BD 46434V878 11,769 233,841 SH   SOLE NONE 0 0 233,841
ISHARES TR CORE MSCI EAFE 46432F842 11,130 170,595 SH   SOLE NONE 0 0 170,595
ISHARES INC CORE MSCI EMKT 46434G103 7,796 145,011 SH   SOLE NONE 0 0 145,011
ISHARES TR EUR DEV RE ETF 464288471 856 20,586 SH   SOLE NONE 0 0 20,586
ISHARES TR CORE S&P MCP ETF 464287507 519 2,521 SH   SOLE NONE 0 0 2,521
ISHARES TR CORE S&P SCP ETF 464287804 758 9,036 SH   SOLE NONE 0 0 9,036
INTEL CORP COM 458140100 43 718 SH   SOLE NONE 0 0 718
ISHARES TR CORE 1 5 YR USD 46432F859 72 1,434 SH   SOLE NONE 0 0 1,434
ISHARES TR CORE S&P TTL STK 464287150 1,745 24,000 SH   SOLE NONE 0 0 24,000
ISHARES TR CORE S&P500 ETF 464287200 52 162 SH   SOLE NONE 0 0 162
ISHARES TR RUS 1000 GRW ETF 464287614 194 1,100 SH   SOLE NONE 0 0 1,100
ISHARES TR RUS MD CP GR ETF 464287481 1,961 12,850 SH   SOLE NONE 0 0 12,850
ISHARES TR RUS MDCP VAL ETF 464287473 2,317 24,450 SH   SOLE NONE 0 0 24,450
JOHNSON &JOHNSON COM 478160104 656 4,496 SH   SOLE NONE 0 0 4,496
JPMORGAN CHASE &CO COM 46625H100 50 357 SH   SOLE NONE 0 0 357
KRAFT HEINZ CO COM 500754106 11 346 SH   SOLE NONE 0 0 346
KIMBERLY CLARK CORP COM 494368103 28 200 SH   SOLE NONE 0 0 200
KINDER MORGAN INC DEL COM 49456B101 8 375 SH   SOLE NONE 0 0 375
CARMAX INC COM 143130102 1 12 SH   SOLE NONE 0 0 12
COCA COLA CO COM 191216100 308 5,572 SH   SOLE NONE 0 0 5,572
LENDINGCLUB CORP COM NEW 52603A208 0 8 SH   SOLE NONE 0 0 8
LINDE PLC SHS G5494J103 136 640 SH   SOLE NONE 0 0 640
LILLY ELI &CO COM 532457108 20 150 SH   SOLE NONE 0 0 150
LIBERTY PPTY TR SH BEN INT 531172104 90 1,507 SH   SOLE NONE 0 0 1,507
MACYS INC COM 55616P104 69 4,074 SH   SOLE NONE 0 0 4,074
ISHARES TR MBS ETF 464288588 8,808 81,514 SH   SOLE NONE 0 0 81,514
MCDONALDS CORP COM 580135101 145 735 SH   SOLE NONE 0 0 735
MICROCHIP TECHNOLOGY INC COM 595017104 1 5 SH   SOLE NONE 0 0 5
MONDELEZ INTL INC CL A 609207105 74 1,339 SH   SOLE NONE 0 0 1,339
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 19 327 SH   SOLE NONE 0 0 327
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 16 296 SH   SOLE NONE 0 0 296
MICRO FOCUS INTERNATIONAL PL SPON ADR NEW 594837403 0 6 SH   SOLE NONE 0 0 6
GLOBAL X FDS GLB X MLP ENRG I 37950E226 1,293 105,291 SH   SOLE NONE 0 0 105,291
3M CO COM 88579Y101 441 2,500 SH   SOLE NONE 0 0 2,500
ALTRIA GROUP INC COM 02209S103 75 1,500 SH   SOLE NONE 0 0 1,500
MERCK &CO INC COM 58933Y105 18 200 SH   SOLE NONE 0 0 200
MICROSOFT CORP COM 594918104 65 410 SH   SOLE NONE 0 0 410
NETFLIX INC COM 64110L106 10 32 SH   SOLE NONE 0 0 32
NIKE INC CL B 654106103 16 161 SH   SOLE NONE 0 0 161
NEXSTAR MEDIA GROUP INC CL A 65336K103 5 45 SH   SOLE NONE 0 0 45
REALTY INCOME CORP COM 756109104 92 1,251 SH   SOLE NONE 0 0 1,251
ORACLE CORP COM 68389X105 110 2,068 SH   SOLE NONE 0 0 2,068
OUTFRONT MEDIA INC COM 69007J106 35 1,314 SH   SOLE NONE 0 0 1,314
OCCIDENTAL PETE CORP COM 674599105 15 360 SH   SOLE NONE 0 0 360
HEALTHPEAK PPTYS INC COM 42250P103 104 3,009 SH   SOLE NONE 0 0 3,009
PEPSICO INC COM 713448108 794 5,811 SH   SOLE NONE 0 0 5,811
PFIZER INC COM 717081103 195 4,988 SH   SOLE NONE 0 0 4,988
PRINCIPAL FINL GROUP INC COM 74251V102 6 100 SH   SOLE NONE 0 0 100
PROLOGIS INC COM 74340W103 39 442 SH   SOLE NONE 0 0 442
PHILIP MORRIS INTL INC COM 718172109 145 1,700 SH   SOLE NONE 0 0 1,700
PINNACLE FINL PARTNERS INC COM 72346Q104 2 36 SH   SOLE NONE 0 0 36
PERSPECTA INC COM 715347100 0 2 SH   SOLE NONE 0 0 2
PUBLIC STORAGE COM 74460D109 72 338 SH   SOLE NONE 0 0 338
INVESCO EXCHANGE TRADED FD T DYNMC LRG GWTH 46137V746 48 930 SH   SOLE NONE 0 0 930
PAYPAL HLDGS INC COM 70450Y103 26 243 SH   SOLE NONE 0 0 243
RAYTHEON CO COM NEW 755111507 31 143 SH   SOLE NONE 0 0 143
SBA COMMUNICATIONS CORP NEW CL A 78410G104 144 599 SH   SOLE NONE 0 0 599
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 12 421 SH   SOLE NONE 0 0 421
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 25 757 SH   SOLE NONE 0 0 757
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 36 386 SH   SOLE NONE 0 0 386
SCHWAB STRATEGIC TR US REIT ETF 808524847 4 78 SH   SOLE NONE 0 0 78
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3 69 SH   SOLE NONE 0 0 69
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 32 530 SH   SOLE NONE 0 0 530
ISHARES TR EAFE SML CP ETF 464288273 4,311 69,224 SH   SOLE NONE 0 0 69,224
SPDR SERIES TRUST S&P DIVID ETF 78464A763 881 8,192 SH   SOLE NONE 0 0 8,192
SKYLINE CHAMPION CORPORATION COM 830830105 2 73 SH   SOLE NONE 0 0 73
ISHARES TR 0-5YR INVT GR CP 46434V100 16,911 331,333 SH   SOLE NONE 0 0 331,333
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 10 151 SH   SOLE NONE 0 0 151
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 9 130 SH   SOLE NONE 0 0 130
SOUTHERN CO COM 842587107 40 625 SH   SOLE NONE 0 0 625
ISHARES TR PHLX SEMICND ETF 464287523 456 1,817 SH   SOLE NONE 0 0 1,817
S&P GLOBAL INC COM 78409V104 16 59 SH   SOLE NONE 0 0 59
SPLUNK INC COM 848637104 13 86 SH   SOLE NONE 0 0 86
SPDR S&P 500 ETF TR TR UNIT 78462F103 12 37 SH   SOLE NONE 0 0 37
STRATASYS LTD SHS M85548101 3 135 SH   SOLE NONE 0 0 135
ISHARES TR SHRT NAT MUN ETF 464288158 51 475 SH   SOLE NONE 0 0 475
STRYKER CORP COM 863667101 14 68 SH   SOLE NONE 0 0 68
AT&T INC COM 00206R102 185 4,744 SH   SOLE NONE 0 0 4,744
TRUIST FINL CORP COM 89832Q109 15 264 SH   SOLE NONE 0 0 264
FLEXSHARES TR MORNSTAR USMKT 33939L100 77 604 SH   SOLE NONE 0 0 604
TRIPADVISOR INC COM 896945201 1 28 SH   SOLE NONE 0 0 28
TRAVELERS COMPANIES INC COM 89417E109 12 86 SH   SOLE NONE 0 0 86
UNITEDHEALTH GROUP INC COM 91324P102 726 2,468 SH   SOLE NONE 0 0 2,468
UNION PACIFIC CORP COM 907818108 433 2,395 SH   SOLE NONE 0 0 2,395
ISHARES TR CRE U S REIT ETF 464288521 366 6,700 SH   SOLE NONE 0 0 6,700
UNITED TECHNOLOGIES CORP COM 913017109 16 107 SH   SOLE NONE 0 0 107
VISA INC COM CL A 92826C839 16 87 SH   SOLE NONE 0 0 87
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 17 106 SH   SOLE NONE 0 0 106
VEREIT INC COM 92339V100 89 9,592 SH   SOLE NONE 0 0 9,592
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 513 9,550 SH   SOLE NONE 0 0 9,550
VIACOMCBS INC CL B 92556H206 31 737 SH   SOLE NONE 0 0 737
VANGUARD GROUP DIV APP ETF 921908844 1,213 9,731 SH   SOLE NONE 0 0 9,731
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 228 2,820 SH   SOLE NONE 0 0 2,820
VANGUARD INDEX FDS TOTAL STK MKT 922908769 465 2,840 SH   SOLE NONE 0 0 2,840
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 30 600 SH   SOLE NONE 0 0 600
VENTAS INC COM 92276F100 53 911 SH   SOLE NONE 0 0 911
VANGUARD INDEX FDS LARGE CAP ETF 922908637 207 1,400 SH   SOLE NONE 0 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 58 1,313 SH   SOLE NONE 0 0 1,313
VERIZON COMMUNICATIONS INC COM 92343V104 261 4,243 SH   SOLE NONE 0 0 4,243
WABTEC CORP COM 929740108 4 47 SH   SOLE NONE 0 0 47
WALGREENS BOOTS ALLIANCE INC COM 931427108 233 3,957 SH   SOLE NONE 0 0 3,957
WEC ENERGY GROUP INC COM 92939U106 0 5 SH   SOLE NONE 0 0 5
WELLTOWER INC COM 95040Q104 149 1,823 SH   SOLE NONE 0 0 1,823
WASTE MGMT INC DEL COM 94106L109 23 200 SH   SOLE NONE 0 0 200
WILLIAMS COS INC DEL COM 969457100 90 3,800 SH   SOLE NONE 0 0 3,800
WALMART INC COM 931142103 12 100 SH   SOLE NONE 0 0 100
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 28 300 SH   SOLE NONE 0 0 300
EXXON MOBIL CORP COM 30231G102 261 3,744 SH   SOLE NONE 0 0 3,744
ZIMMER BIOMET HLDGS INC COM 98956P102 36 240 SH   SOLE NONE 0 0 240