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 023135106 241 74 SH   SOLE   0 0 74
ANTHEM INC COM 036752103 253 515 SH   SOLE   0 0 515
APPLE INC COM 037833100 1,421 8,138 SH   SOLE   0 0 8,138
BALL CORP COM 058498106 270 3,000 SH   SOLE   0 0 3,000
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 238 675 SH   SOLE   0 0 675
CATERPILLAR INC COM 149123101 322 1,445 SH   SOLE   0 0 1,445
DOMINION ENERGY INC COM 25746U109 740 8,713 SH   SOLE   0 0 8,713
HUNTINGTON BANCSHARES INC COM 446150104 370 25,290 SH   SOLE   0 0 25,290
NORTHERN LTS FD TR IV INSPIRE 100 ESG 66538H534 2,437 67,517 SH   SOLE   0 0 67,517
INVESCO QQQ TR UNIT SER 1 46090E103 9,390 25,901 SH   SOLE   0 0 25,901
ISHARES TR CORE S&P500 ETF 464287200 635 1,399 SH   SOLE   0 0 1,399
ISHARES TR CORE US AGGBD ET 464287226 29,121 271,904 SH   SOLE   0 0 271,904
ISHARES TR MSCI USA QLT FCT 46432F339 9,414 69,925 SH   SOLE   0 0 69,925
ISHARES TR FLTG RATE NT ETF 46429B655 5,093 100,816 SH   SOLE   0 0 100,816
ISHARES TR IBOXX INV CP ETF 464287242 12,170 100,631 SH   SOLE   0 0 100,631
ISHARES TR MBS ETF 464288588 9,164 89,961 SH   SOLE   0 0 89,961
ISHARES TR RUS TOP 200 ETF 464289446 43,040 398,226 SH   SOLE   0 0 398,226
ISHARES TR RUS TP200 GR ETF 464289438 29,659 186,686 SH   SOLE   0 0 186,686
ISHARES TR S&P 500 GRWT ETF 464287309 248 3,248 SH   SOLE   0 0 3,248
ISHARES TR SP SMCP600VL ETF 464287879 382 3,726 SH   SOLE   0 0 3,726
ISHARES TR SELECT DIVID ETF 464287168 8,206 64,041 SH   SOLE   0 0 64,041
ISHARES TR TIPS BD ETF 464287176 3,010 24,164 SH   SOLE   0 0 24,164
ISHARES TR 1 3 YR TREAS BD 464287457 9,207 110,464 SH   SOLE   0 0 110,464
ISHARES TR BARCLAYS 7 10 YR 464287440 6,072 56,503 SH   SOLE   0 0 56,503
ISHARES TR GNMA BOND ETF 46429B333 9,149 191,725 SH   SOLE   0 0 191,725
ISHARES TR NATIONAL MUN ETF 464288414 6,049 55,170 SH   SOLE   0 0 55,170
ISHARES TR RUSSELL 2000 ETF 464287655 207 1,009 SH   SOLE   0 0 1,009
ISHARES TR CORE S&P US GWT 464287671 8,927 84,490 SH   SOLE   0 0 84,490
ISHARES TR RUS MID CAP ETF 464287499 215 2,750 SH   SOLE   0 0 2,750
ISHARES TR S&P 500 VAL ETF 464287408 790 5,073 SH   SOLE   0 0 5,073
ISHARES TR S&P MC 400VL ETF 464287705 416 3,793 SH   SOLE   0 0 3,793
MICROSOFT CORP COM 594918104 489 1,586 SH   SOLE   0 0 1,586
NORTHROP GRUMMAN CORP COM 666807102 220 492 SH   SOLE   0 0 492
PROCTER AND GAMBLE CO COM 742718109 830 5,434 SH   SOLE   0 0 5,434
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,537 28,793 SH   SOLE   0 0 28,793
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,302 105,232 SH   SOLE   0 0 105,232
TESLA INC COM 88160R101 228 212 SH   SOLE   0 0 212
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 731 3,280 SH   SOLE   0 0 3,280
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 21,440 197,843 SH   SOLE   0 0 197,843
VANGUARD INDEX FDS SML CP GRW ETF 922908595 644 2,595 SH   SOLE   0 0 2,595
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,665 108,335 SH   SOLE   0 0 108,335
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 8,071 101,468 SH   SOLE   0 0 101,468
VANGUARD WORLD FD MEGA GRWTH IND 921910816 818 3,475 SH   SOLE   0 0 3,475
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,220 20,248 SH   SOLE   0 0 20,248