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
3M CO COM 88579Y101 218 1,100 SH   SOLE   0 0 1,100
AFLAC INC COM 001055102 329 6,127 SH   SOLE   0 0 6,127
ALLSTATE CORP COM 020002101 223 1,710 SH   SOLE   0 0 1,710
AMAZON COM INC COM 023135106 698 203 SH   SOLE   0 0 203
APPLE INC COM 037833100 520 3,800 SH   SOLE   0 0 3,800
AT&T INC COM 00206R102 334 11,596 SH   SOLE   0 0 11,596
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 254 914 SH   SOLE   0 0 914
BEST BUY INC COM 086516101 208 1,806 SH   SOLE   0 0 1,806
CISCO SYS INC COM 17275R102 466 8,796 SH   SOLE   0 0 8,796
CONAGRA BRANDS INC COM 205887102 345 9,486 SH   SOLE   0 0 9,486
CVS HEALTH CORP COM 126650100 247 2,962 SH   SOLE   0 0 2,962
DISNEY WALT CO COM 254687106 211 1,201 SH   SOLE   0 0 1,201
FIRST AMERN FINL CORP COM 31847R102 225 3,614 SH   SOLE   0 0 3,614
GENERAL DYNAMICS CORP COM 369550108 205 1,088 SH   SOLE   0 0 1,088
GENERAL MLS INC COM 370334104 206 3,385 SH   SOLE   0 0 3,385
HAVERTY FURNITURE COS INC COM 419596101 226 5,285 SH   SOLE   0 0 5,285
HUNTINGTON INGALLS INDS INC COM 446413106 335 1,591 SH   SOLE   0 0 1,591
INTERNATIONAL BUSINESS MACHS COM 459200101 358 2,439 SH   SOLE   0 0 2,439
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 366 13,435 SH   SOLE   0 0 13,435
INVESCO QQQ TR UNIT SER 1 46090E103 299 843 SH   SOLE   0 0 843
ISHARES INC MSCI FRONTIER 464286145 2,686 80,941 SH   SOLE   0 0 80,941
ISHARES INC MSCI EMERG MRKT 464286533 207 3,230 SH   SOLE   0 0 3,230
ISHARES TR SELECT DIVID ETF 464287168 4,214 36,132 SH   SOLE   0 0 36,132
ISHARES TR TIPS BD ETF 464287176 2,722 21,262 SH   SOLE   0 0 21,262
ISHARES TR CORE S&P500 ETF 464287200 1,266 2,944 SH   SOLE   0 0 2,944
ISHARES TR CORE US AGGBD ET 464287226 666 5,779 SH   SOLE   0 0 5,779
ISHARES TR MSCI EMG MKT ETF 464287234 6,422 116,448 SH   SOLE   0 0 116,448
ISHARES TR IBOXX INV CP ETF 464287242 684 5,090 SH   SOLE   0 0 5,090
ISHARES TR S&P 500 GRWT ETF 464287309 14,448 198,646 SH   SOLE   0 0 198,646
ISHARES TR S&P 500 VAL ETF 464287408 12,849 87,031 SH   SOLE   0 0 87,031
ISHARES TR BARCLAYS 7 10 YR 464287440 235 2,031 SH   SOLE   0 0 2,031
ISHARES TR MSCI EAFE ETF 464287465 9,372 118,811 SH   SOLE   0 0 118,811
ISHARES TR CORE S&P MCP ETF 464287507 776 2,886 SH   SOLE   0 0 2,886
ISHARES TR RUS 1000 VAL ETF 464287598 1,516 9,556 SH   SOLE   0 0 9,556
ISHARES TR S&P MC 400GR ETF 464287606 2,298 28,401 SH   SOLE   0 0 28,401
ISHARES TR RUS 1000 GRW ETF 464287614 2,133 7,856 SH   SOLE   0 0 7,856
ISHARES TR RUS 2000 VAL ETF 464287630 6,937 41,849 SH   SOLE   0 0 41,849
ISHARES TR RUS 2000 GRW ETF 464287648 7,051 22,621 SH   SOLE   0 0 22,621
ISHARES TR S&P MC 400VL ETF 464287705 2,215 21,024 SH   SOLE   0 0 21,024
ISHARES TR CORE S&P SCP ETF 464287804 519 4,595 SH   SOLE   0 0 4,595
ISHARES TR SP SMCP600VL ETF 464287879 314 2,979 SH   SOLE   0 0 2,979
ISHARES TR IBOXX HI YD ETF 464288513 2,944 33,435 SH   SOLE   0 0 33,435
ISHARES TR MBS ETF 464288588 1,349 12,464 SH   SOLE   0 0 12,464
ISHARES TR PFD AND INCM SEC 464288687 2,541 64,588 SH   SOLE   0 0 64,588
ISHARES TR US TREAS BD ETF 46429B267 1,283 48,222 SH   SOLE   0 0 48,222
ISHARES TR FLTG RATE NT ETF 46429B655 2,391 47,054 SH   SOLE   0 0 47,054
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,167 44,809 SH   SOLE   0 0 44,809
ISHARES TR ESG AWR US AGRGT 46435U549 504 9,103 SH   SOLE   0 0 9,103
JEFFERIES FINL GROUP INC COM 47233W109 222 6,484 SH   SOLE   0 0 6,484
KIMCO RLTY CORP COM 49446R109 217 10,416 SH   SOLE   0 0 10,416
LABORATORY CORP AMER HLDGS COM NEW 50540R409 245 889 SH   SOLE   0 0 889
LOGITECH INTL S A SHS H50430232 240 1,984 SH   SOLE   0 0 1,984
METLIFE INC COM 59156R108 263 4,402 SH   SOLE   0 0 4,402
MICROSOFT CORP COM 594918104 334 1,232 SH   SOLE   0 0 1,232
NEWMONT CORP COM 651639106 207 3,268 SH   SOLE   0 0 3,268
NVIDIA CORPORATION COM 67066G104 752 940 SH   SOLE   0 0 940
OLD REP INTL CORP COM 680223104 223 8,968 SH   SOLE   0 0 8,968
PAYPAL HLDGS INC COM 70450Y103 353 1,211 SH   SOLE   0 0 1,211
PEPSICO INC COM 713448108 385 2,600 SH   SOLE   0 0 2,600
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 242 3,837 SH   SOLE   0 0 3,837
PROSHARES TR S&P 500 DV ARIST 74348A467 739 8,152 SH   SOLE   0 0 8,152
QUEST DIAGNOSTICS INC COM 74834L100 213 1,617 SH   SOLE   0 0 1,617
SAP SE SPON ADR 803054204 239 1,700 SH   SOLE   0 0 1,700
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 328 3,991 SH   SOLE   0 0 3,991
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,326 10,524 SH   SOLE   0 0 10,524
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 687 9,817 SH   SOLE   0 0 9,817
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 977 5,471 SH   SOLE   0 0 5,471
SELECT SECTOR SPDR TR ENERGY 81369Y506 579 10,742 SH   SOLE   0 0 10,742
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,457 39,698 SH   SOLE   0 0 39,698
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 764 7,462 SH   SOLE   0 0 7,462
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,944 13,162 SH   SOLE   0 0 13,162
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,172 14,471 SH   SOLE   0 0 14,471
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 368 8,295 SH   SOLE   0 0 8,295
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 518 8,185 SH   SOLE   0 0 8,185
SMUCKER J M CO COM NEW 832696405 337 2,599 SH   SOLE   0 0 2,599
SPDR GOLD TR GOLD SHS 78463V107 315 1,904 SH   SOLE   0 0 1,904
SPDR S&P 500 ETF TR TR UNIT 78462F103 277 646 SH   SOLE   0 0 646
SPDR SER TR S&P OILGAS EXP 78468R556 254 2,631 SH   SOLE   0 0 2,631
SPDR SER TR NUVEEN BLMBRG SR 78468R739 465 9,374 SH   SOLE   0 0 9,374
STATE STR CORP COM 857477103 211 2,567 SH   SOLE   0 0 2,567
TARGET CORP COM 87612E106 505 2,087 SH   SOLE   0 0 2,087
UNITED PARCEL SERVICE INC CL B 911312106 224 1,076 SH   SOLE   0 0 1,076
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 330 5,181 SH   SOLE   0 0 5,181
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 294 3,584 SH   SOLE   0 0 3,584
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 545 9,548 SH   SOLE   0 0 9,548
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 206 523 SH   SOLE   0 0 523
VANGUARD INDEX FDS TOTAL STK MKT 922908769 279 1,253 SH   SOLE   0 0 1,253
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 366 6,612 SH   SOLE   0 0 6,612
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,021 72,793 SH   SOLE   0 0 72,793
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 705 6,588 SH   SOLE   0 0 6,588
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 4,348 45,734 SH   SOLE   0 0 45,734
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 917 17,797 SH   SOLE   0 0 17,797
VANGUARD WORLD FD ESG US STK ETF 921910733 908 11,357 SH   SOLE   0 0 11,357
VERIZON COMMUNICATIONS INC COM 92343V104 256 4,562 SH   SOLE   0 0 4,562
VISTRA CORP COM 92840M102 210 11,294 SH   SOLE   0 0 11,294
WALMART INC COM 931142103 523 3,712 SH   SOLE   0 0 3,712
WHIRLPOOL CORP COM 963320106 341 1,562 SH   SOLE   0 0 1,562