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 Company com 88579Y101 873 5,863 SH   SOLE 0 873 0 0
A T & T Inc. com 00206R102 1,272 53,840 SH   SOLE 0 1,272 0 0
Abbott Laboratories com 002824100 466 3,936 SH   SOLE 0 466 0 0
AbbVie Inc. com 00287Y109 8,670 53,485 SH   SOLE 0 8,670 0 0
Accenture Ltd Cl A com G1151C101 6,348 18,823 SH   SOLE 0 6,348 0 0
Activision Inc com 00507V109 4,390 54,797 SH   SOLE 0 4,390 0 0
AES Corporation com 00130H105 1,690 65,691 SH   SOLE 0 1,690 0 0
AFLAC Inc com 001055102 4,138 64,258 SH   SOLE 0 4,138 0 0
Albertsons Companies, Inc. com 013091103 279 8,392 SH   SOLE 0 279 0 0
Allison Transmission Holdings, INc. com 01973R101 754 19,215 SH   SOLE 0 754 0 0
Allstate Corporation com 020002101 5,767 41,635 SH   SOLE 0 5,767 0 0
Ally Financial Inc. com 02005N100 498 11,444 SH   SOLE 0 498 0 0
Alphabet Inc Class A com 02079K305 973 350 SH   SOLE 0 973 0 0
Alphabet Inc Class C com 02079K107 13,448 4,815 SH   SOLE 0 13,448 0 0
Amazon.com Inc. com 023135106 235 72 SH   SOLE 0 235 0 0
Amdocs Limited Common Stock com G02602103 897 10,916 SH   SOLE 0 897 0 0
American Electric Power Co., Inc com 025537101 211 2,111 SH   SOLE 0 211 0 0
American Express Company com 025816109 337 1,800 SH   SOLE 0 337 0 0
American Tower Corporation com 03027X100 2,081 8,285 SH   SOLE 0 2,081 0 0
Ameriprise Financial, Inc. com 03076C106 4,819 16,045 SH   SOLE 0 4,819 0 0
Amerisource Bergen com 03073E105 800 5,169 SH   SOLE 0 800 0 0
Amgen Incorporated com 031162100 8,595 35,542 SH   SOLE 0 8,595 0 0
Amkor Technology Inc com 031652100 1,665 76,643 SH   SOLE 0 1,665 0 0
Anthem, Inc. com 036752103 1,222 2,487 SH   SOLE 0 1,222 0 0
Apple Computer Inc com 037833100 39,982 228,977 SH   SOLE 0 39,982 0 0
Applied Materials Inc com 038222105 1,825 13,846 SH   SOLE 0 1,825 0 0
Archer-Daniels-Midland Co. com 039483102 3,268 36,202 SH   SOLE 0 3,268 0 0
Armada Hoffler Properties, Inc. com 04208T108 2,756 188,747 SH   SOLE 0 2,756 0 0
Arrow Electronics, Inc. com 042735100 1,306 11,007 SH   SOLE 0 1,306 0 0
Auto Data Processing com 053015103 1,280 5,627 SH   SOLE 0 1,280 0 0
AutoZone Inc com 053332102 1,409 689 SH   SOLE 0 1,409 0 0
Avantis Emerging Markets Equity ETF ETF 025072604 33,060 557,690 SH   SOLE 0 33,060 0 0
Avnet, Inc. com 053807103 3,717 91,578 SH   SOLE 0 3,717 0 0
Bank of America Corp com 060505104 743 18,014 SH   SOLE 0 743 0 0
Bank of Montreal com 063671101 1,448 12,275 SH   SOLE 0 1,448 0 0
Becton Dickinson & Co com 075887109 2,981 11,206 SH   SOLE 0 2,981 0 0
Belden Inc com 077454106 1,290 23,294 SH   SOLE 0 1,290 0 0
Berkshire Hathaway Cl B com 084670702 341 965 SH   SOLE 0 341 0 0
Best Buy Inc com 086516101 4,721 51,936 SH   SOLE 0 4,721 0 0
Booz Allen Hamilton Holdings Corporation com 099502106 477 5,427 SH   SOLE 0 477 0 0
Bristol-Myers Squibb Co com 110122108 1,298 17,774 SH   SOLE 0 1,298 0 0
Broadcom Limited com 11135F101 557 884 SH   SOLE 0 557 0 0
Brunswick Corporation com 117043109 294 3,640 SH   SOLE 0 294 0 0
C V S Caremark Corp. com 126650100 6,442 63,647 SH   SOLE 0 6,442 0 0
Cabot Corporation com 127055101 1,487 21,741 SH   SOLE 0 1,487 0 0
Camden Property Trust com 133131102 9,625 57,909 SH   SOLE 0 9,625 0 0
Canadian Natl RR Co. com 136375102 753 5,615 SH   SOLE 0 753 0 0
Canadian Natural Resources Limited com 136385101 270 4,362 SH   SOLE 0 270 0 0
Cardinal Health Inc com 14149Y108 366 6,451 SH   SOLE 0 366 0 0
Carrier Global Corp com 14448C104 705 15,359 SH   SOLE 0 705 0 0
Caterpillar Inc com 149123101 2,551 11,449 SH   SOLE 0 2,551 0 0
CBRE Clarion Global Real Estate Income Fund com 12504G100 114 12,571 SH   SOLE 0 114 0 0
CDW Corporation com 12514G108 3,266 18,258 SH   SOLE 0 3,266 0 0
Celanese Corporation com 150870103 1,975 13,827 SH   SOLE 0 1,975 0 0
Century Communities, Inc com 156504300 481 8,970 SH   SOLE 0 481 0 0
Cerner Corp com 156782104 1,279 13,669 SH   SOLE 0 1,279 0 0
Chevron Corp com 166764100 4,211 25,861 SH   SOLE 0 4,211 0 0
Chubb Ltd com H1467J104 1,248 5,836 SH   SOLE 0 1,248 0 0
Cincinnati Financial Cp com 172062101 811 5,967 SH   SOLE 0 811 0 0
Cisco Systems Inc com 17275R102 11,165 200,236 SH   SOLE 0 11,165 0 0
Citigroup Inc com 172967424 1,972 36,938 SH   SOLE 0 1,972 0 0
Citizens Financial Group, Inc. com 174610105 263 5,797 SH   SOLE 0 263 0 0
CMS Energy Corp com 125896100 810 11,579 SH   SOLE 0 810 0 0
Coca Cola Company com 191216100 313 5,043 SH   SOLE 0 313 0 0
Cognizant Technology Solutions Corp. com 192446102 3,025 33,734 SH   SOLE 0 3,025 0 0
Comcast Corp com 20030N101 476 10,175 SH   SOLE 0 476 0 0
Concentrix Corp com 20602D101 687 4,126 SH   SOLE 0 687 0 0
ConocoPhillips com 20825C104 909 9,089 SH   SOLE 0 909 0 0
Consensus Cloud Solutions, Inc. com 20848V105 251 4,182 SH   SOLE 0 251 0 0
Constellation Energy Co com 21037T109 1,572 27,939 SH   SOLE 0 1,572 0 0
Corning Inc com 219350105 3,031 82,111 SH   SOLE 0 3,031 0 0
Costco Whsl Corp New com 22160K105 303 527 SH   SOLE 0 303 0 0
Crane Company com 224399105 436 4,023 SH   SOLE 0 436 0 0
CubeSmart com 229663109 3,898 74,926 SH   SOLE 0 3,898 0 0
Cummins Inc com 231021106 6,285 30,644 SH   SOLE 0 6,285 0 0
D R Horton Co com 23331A109 6,165 82,739 SH   SOLE 0 6,165 0 0
Danaher Corp Del com 235851102 449 1,532 SH   SOLE 0 449 0 0
Deere & Co com 244199105 1,549 3,729 SH   SOLE 0 1,549 0 0
Dell Inc. com 24703L202 258 5,149 SH   SOLE 0 258 0 0
Dick's Sporting Goods Inc. com 253393102 5,202 52,006 SH   SOLE 0 5,202 0 0
Discover Financial Services com 254709108 408 3,704 SH   SOLE 0 408 0 0
Discovery Inc com 25470F302 3,299 132,116 SH   SOLE 0 3,299 0 0
Disney Walt Hldg Co com 254687106 772 5,625 SH   SOLE 0 772 0 0
DoubleLine Income Solutions Fund com 258622109 847 58,327 SH   SOLE 0 847 0 0
Dover Corporation com 260003108 685 4,367 SH   SOLE 0 685 0 0
EastGroup Properties Inc. com 277276101 542 2,669 SH   SOLE 0 542 0 0
Eaton Corporation plc com G29183103 3,679 24,245 SH   SOLE 0 3,679 0 0
Eli Lilly & Company com 532457108 642 2,243 SH   SOLE 0 642 0 0
Emerson Electric Co com 291011104 3,943 40,216 SH   SOLE 0 3,943 0 0
Encompass Health Corp com 29261A100 2,073 29,148 SH   SOLE 0 2,073 0 0
Entergy Corp New com 29364G103 1,319 11,295 SH   SOLE 0 1,319 0 0
EOG Resources, Inc com 26875P101 5,712 47,905 SH   SOLE 0 5,712 0 0
Equinix, Inc. com 29444U700 210 283 SH   SOLE 0 210 0 0
Equitable Holdings, Inc. com 29452E101 4,936 159,704 SH   SOLE 0 4,936 0 0
Equity Commonwealth com 294628102 398 14,126 SH   SOLE 0 398 0 0
Everest Re Group Ltd com G3223R108 561 1,860 SH   SOLE 0 561 0 0
Exelon Corporation com 30161N101 4,187 87,906 SH   SOLE 0 4,187 0 0
Exxon Mobil Corporation com 30231G102 5,115 61,931 SH   SOLE 0 5,115 0 0
Facebook Inc Class A com 30303M102 5,183 23,307 SH   SOLE 0 5,183 0 0
FedEx Corp. com 31428X106 1,116 4,822 SH   SOLE 0 1,116 0 0
Fidelity National Finl. com 31620R303 3,752 76,822 SH   SOLE 0 3,752 0 0
Fifth Third Bancorp com 316773100 3,491 81,115 SH   SOLE 0 3,491 0 0
First American Financial Corp com 31847R102 1,546 23,846 SH   SOLE 0 1,546 0 0
First Industrial Rlty Trust com 32054K103 769 12,422 SH   SOLE 0 769 0 0
First Trust Managed Municipal ETF ETF 33739N108 3,936 74,185 SH   SOLE 0 3,936 0 0
Foot Locker Inc com 344849104 206 6,945 SH   SOLE 0 206 0 0
Ford Motor Company com 345370860 274 16,185 SH   SOLE 0 274 0 0
Franklin Resources Inc com 354613101 929 33,272 SH   SOLE 0 929 0 0
General Dynamics Corp com 369550108 5,871 24,343 SH   SOLE 0 5,871 0 0
General Mills Inc com 370334104 1,199 17,705 SH   SOLE 0 1,199 0 0
General Motors Company com 37045V100 358 8,190 SH   SOLE 0 358 0 0
Gilead Sciences Inc com 375558103 375 6,301 SH   SOLE 0 375 0 0
Global X MLP & Energy Infrastructure ETF ETF 37954Y293 717 16,782 SH   SOLE 0 717 0 0
Goldman Sachs Group Inc com 38141G104 2,351 7,121 SH   SOLE 0 2,351 0 0
GrafTech International Ltd com 384313508 214 22,223 SH   SOLE 0 214 0 0
Group 1 Automotive, Inc. com 398905109 1,353 8,062 SH   SOLE 0 1,353 0 0
Hanesbrands Inc. com 410345102 848 56,938 SH   SOLE 0 848 0 0
Hartford Financial Services com 416515104 3,767 52,457 SH   SOLE 0 3,767 0 0
Hartford Multifactor Developed Markets ETF ETF 518416102 55,605 1,909,523 SH   SOLE 0 55,605 0 0
Hasbro Inc com 418056107 1,052 12,839 SH   SOLE 0 1,052 0 0
HCA Holdings, Inc. com 40412C101 6,490 25,895 SH   SOLE 0 6,490 0 0
Home Depot Inc com 437076102 1,012 3,380 SH   SOLE 0 1,012 0 0
Honeywell International com 438516106 2,409 12,383 SH   SOLE 0 2,409 0 0
Host Hotels & Resorts Inc. com 44107P104 448 23,067 SH   SOLE 0 448 0 0
HP Inc. com 40434L105 2,313 63,731 SH   SOLE 0 2,313 0 0
Huntington Bancshares Incorporated com 446150104 548 37,451 SH   SOLE 0 548 0 0
Illinois Tool Works com 452308109 895 4,273 SH   SOLE 0 895 0 0
Independence Realty Trust Inc. com 45378A106 790 29,885 SH   SOLE 0 790 0 0
Infosys Limited ADR 456788108 8,348 335,404 SH   SOLE 0 8,348 0 0
Ingredion Incorporated com 457187102 287 3,296 SH   SOLE 0 287 0 0
Intel Corp com 458140100 7,045 142,159 SH   SOLE 0 7,045 0 0
International Paper Co com 460146103 2,232 48,367 SH   SOLE 0 2,232 0 0
Interpublic Group of Companies com 460690100 1,215 34,282 SH   SOLE 0 1,215 0 0
Intl Business Machines com 459200101 2,540 19,532 SH   SOLE 0 2,540 0 0
Intuitive Surgical Inc com 46120E602 209 694 SH   SOLE 0 209 0 0
Invesco Emerging Mkts Sovereign Debt ETF ETF 46138E784 240 10,605 SH   SOLE 0 240 0 0
Invesco FTSE RAFI Dev Mkts ex-US ETF ETF 46138E743 219 4,746 SH   SOLE 0 219 0 0
Invesco FTSE RAFI Emerging Markets ETF ETF 46138E727 3,907 187,651 SH   SOLE 0 3,907 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 329 1,926 SH   SOLE 0 329 0 0
Invesco QQQ ETF ETF 46090E103 274 756 SH   SOLE 0 274 0 0
Invitation Homes Inc. com 46187W107 829 20,640 SH   SOLE 0 829 0 0
Iron Mountain Incorporated com 46284V101 673 12,153 SH   SOLE 0 673 0 0
iShares Barclays TIPS Bond ETF 464287176 795 6,385 SH   SOLE 0 795 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 1,709 24,582 SH   SOLE 0 1,709 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103 288 5,177 SH   SOLE 0 288 0 0
iShares Core S&P 500 ETF ETF 464287200 805 1,774 SH   SOLE 0 805 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507 350 1,304 SH   SOLE 0 350 0 0
iShares Edge MSCI Mltfct USA SmCp ETF ETF 46434V290 1,148 21,031 SH   SOLE 0 1,148 0 0
iShares Edge MSCI Multifactor Intl ETF ETF 46434V274 5,969 215,712 SH   SOLE 0 5,969 0 0
iShares Edge MSCI Multifactor USA ETF ETF 46434V282 8,677 195,086 SH   SOLE 0 8,677 0 0
iShares GNMA Bond ETF ETF 46429B333 224 4,692 SH   SOLE 0 224 0 0
iShares Gold Trust ETF ETF 464285204 226 6,145 SH   SOLE 0 226 0 0
iShares Intermediate-Term Corporate Bond ETF ETF 464288638 449 8,179 SH   SOLE 0 449 0 0
iShares JPMorgan USD Emerg Markets Bond ETF ETF 464288281 13,908 142,269 SH   SOLE 0 13,908 0 0
iShares MBS Bond ETF ETF 464288588 22,134 217,273 SH   SOLE 0 22,134 0 0
iShares MSCI EAFE ETF ETF 464287465 2,829 38,439 SH   SOLE 0 2,829 0 0
iShares MSCI EAFE Min Volatility ETF ETF 46429B689 7,238 100,336 SH   SOLE 0 7,238 0 0
iShares MSCI Emerging Markets Index ETF ETF 464287234 206 4,560 SH   SOLE 0 206 0 0
iShares Natl Amt-Free Muni Bond ETF ETF 464288414 232 2,119 SH   SOLE 0 232 0 0
iShares Russell 1000 ETF ETF 464287622 434 1,735 SH   SOLE 0 434 0 0
iShares Russell 1000 Growth ETF ETF 464287614 294 1,059 SH   SOLE 0 294 0 0
iShares Russell 1000 Value ETF ETF 464287598 228 1,376 SH   SOLE 0 228 0 0
iShares Russell 2000 ETF ETF 464287655 254 1,236 SH   SOLE 0 254 0 0
iShares Russell Mid-cap Value ETF ETF 464287473 462 3,861 SH   SOLE 0 462 0 0
iShares S&P Mid-Cap 400 Value ETF ETF 464287705 431 3,930 SH   SOLE 0 431 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879 233 2,276 SH   SOLE 0 233 0 0
iShares S&P Small-Cap ETF ETF 464287804 492 4,562 SH   SOLE 0 492 0 0
iShares Short Maturity Bond ETF ETF 46431W507 610 12,299 SH   SOLE 0 610 0 0
iShares Short-Term National Muni Bond ETF ETF 464288158 506 4,837 SH   SOLE 0 506 0 0
J M Smuckers Co com 832696405 2,165 15,990 SH   SOLE 0 2,165 0 0
J P Morgan Chase & Co. com 46625H100 8,682 63,685 SH   SOLE 0 8,682 0 0
Jabil Circuit Inc. com 466313103 1,567 25,389 SH   SOLE 0 1,567 0 0
Janus Henderson Group com G4474Y214 330 9,419 SH   SOLE 0 330 0 0
Johnson & Johnson com 478160104 8,346 47,092 SH   SOLE 0 8,346 0 0
JPMorgan Diversified Return U.S. Equity ETF ETF 46641Q407 466 4,463 SH   SOLE 0 466 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 44,424 883,716 SH   SOLE 0 44,424 0 0
Juniper Networks Inc com 48203R104 428 11,524 SH   SOLE 0 428 0 0
K L A Tencor Corp com 482480100 507 1,384 SH   SOLE 0 507 0 0
Keycorp Inc New com 493267108 730 32,604 SH   SOLE 0 730 0 0
Kilroy Realty Corp com 49427F108 4,235 55,416 SH   SOLE 0 4,235 0 0
Kimberly-Clark Corp com 494368103 814 6,612 SH   SOLE 0 814 0 0
Kimco Realty Corp com 49446R109 202 8,159 SH   SOLE 0 202 0 0
Kinder Morgan, Inc. com 49456B101 2,666 140,982 SH   SOLE 0 2,666 0 0
Kroger Company com 501044101 11,434 199,303 SH   SOLE 0 11,434 0 0
Lab Cp Of Amer Hldg New com 50540R409 912 3,459 SH   SOLE 0 912 0 0
Lamar Advertising Co A com 512816109 6,148 52,922 SH   SOLE 0 6,148 0 0
Leidos Holdings Inc com 525327102 754 6,982 SH   SOLE 0 754 0 0
Lennar Corp Cl A com 526057104 996 12,272 SH   SOLE 0 996 0 0
Lexington Realty Trust com 529043101 3,418 217,704 SH   SOLE 0 3,418 0 0
Life Storage Inc. com 53223X107 717 5,104 SH   SOLE 0 717 0 0
LKQ Corp. com 501889208 1,245 27,419 SH   SOLE 0 1,245 0 0
Lockheed Martin Corp com 539830109 1,877 4,252 SH   SOLE 0 1,877 0 0
Louisiana-Pacific Corp com 546347105 703 11,317 SH   SOLE 0 703 0 0
Lowes Companies Inc com 548661107 2,466 12,196 SH   SOLE 0 2,466 0 0
LyondellBasell Industrials NV com N53745100 2,850 27,716 SH   SOLE 0 2,850 0 0
Manulife Financial Corporation com 56501R106 3,000 140,513 SH   SOLE 0 3,000 0 0
Marathon Petroleum Corporation com 56585A102 1,316 15,393 SH   SOLE 0 1,316 0 0
Masco Corporation com 574599106 680 13,342 SH   SOLE 0 680 0 0
Mastercard Incorporated com 57636Q104 345 965 SH   SOLE 0 345 0 0
McDonald's Corp. com 580135101 2,230 9,020 SH   SOLE 0 2,230 0 0
McKesson HBOC Inc com 58155Q103 6,349 20,741 SH   SOLE 0 6,349 0 0
MDU Resources Group, Inc. com 552690109 1,503 56,391 SH   SOLE 0 1,503 0 0
Medtronic PLC com G5960L103 1,245 11,225 SH   SOLE 0 1,245 0 0
Merck & Co Inc com 58933Y105 2,922 35,613 SH   SOLE 0 2,922 0 0
Metlife Inc com 59156R108 4,219 60,028 SH   SOLE 0 4,219 0 0
Microsoft Corp com 594918104 22,604 73,317 SH   SOLE 0 22,604 0 0
Moderna Inc com 60770K107 1,343 7,796 SH   SOLE 0 1,343 0 0
Morgan Stanley com 617446448 3,089 35,345 SH   SOLE 0 3,089 0 0
National Fuel Gas Co com 636180101 462 6,732 SH   SOLE 0 462 0 0
Network Appliance Inc com 64110D104 3,604 43,420 SH   SOLE 0 3,604 0 0
Newmont Mining Corp com 651639106 580 7,303 SH   SOLE 0 580 0 0
Nexstar Media Group com 65336K103 5,048 26,780 SH   SOLE 0 5,048 0 0
Nextera Energy Inc com 65339F101 249 2,939 SH   SOLE 0 249 0 0
Nike Inc Class B com 654106103 275 2,042 SH   SOLE 0 275 0 0
Norfolk Southern Corp com 655844108 393 1,377 SH   SOLE 0 393 0 0
Northrop Grumman Corp com 666807102 1,845 4,126 SH   SOLE 0 1,845 0 0
Novartis A G Spon Adr ADR 66987V109 299 3,405 SH   SOLE 0 299 0 0
NRG Energy, Inc com 629377508 522 13,601 SH   SOLE 0 522 0 0
Nucor Corp com 670346105 6,100 41,038 SH   SOLE 0 6,100 0 0
Nutrien Ltd. com 67077M108 280 2,692 SH   SOLE 0 280 0 0
Old Republic International Corporation com 680223104 374 14,476 SH   SOLE 0 374 0 0
Omnicom Group Inc com 681919106 3,287 38,724 SH   SOLE 0 3,287 0 0
OneMain Holdings, Inc. com 68268W103 2,877 60,683 SH   SOLE 0 2,877 0 0
ONEOK Inc com 682680103 865 12,247 SH   SOLE 0 865 0 0
Oracle Corporation com 68389X105 12,769 154,344 SH   SOLE 0 12,769 0 0
Organon & Co. Common Stock com 68622V106 255 7,311 SH   SOLE 0 255 0 0
Otis Worldwide Corp com 68902V107 394 5,117 SH   SOLE 0 394 0 0
Outfront Media Inc com 69007J106 3,229 113,563 SH   SOLE 0 3,229 0 0
Ovintiv Inc. com 69047Q102 1,392 25,749 SH   SOLE 0 1,392 0 0
Owens Corning Inc. com 690742101 2,961 32,355 SH   SOLE 0 2,961 0 0
PACCAR Inc com 693718108 2,255 25,602 SH   SOLE 0 2,255 0 0
Pacer Benchmark Data & Infrastructure Real Estate ETF com 69374H741 12,265 314,163 SH   SOLE 0 12,265 0 0
Packaging Corp of America com 695156109 251 1,610 SH   SOLE 0 251 0 0
Paramount Global com 92556H206 912 24,122 SH   SOLE 0 912 0 0
Patterson Companies Inc. com 703395103 1,437 44,397 SH   SOLE 0 1,437 0 0
Paychex Inc com 704326107 200 1,467 SH   SOLE 0 200 0 0
PennyMac Financial Services, Inc. com 70932M107 1,852 34,804 SH   SOLE 0 1,852 0 0
PepsiCo Incorporated com 713448108 1,417 8,466 SH   SOLE 0 1,417 0 0
Petroleo Brasileiro ADR 71654V408 2,330 157,462 SH   SOLE 0 2,330 0 0
Pfizer Incorporated com 717081103 12,202 235,694 SH   SOLE 0 12,202 0 0
Phillips 66 com 718546104 318 3,679 SH   SOLE 0 318 0 0
Piedmont Office Realty Trust, Inc. com 720190206 4,264 247,625 SH   SOLE 0 4,264 0 0
PIMCO Intermediate Muni Bond Strgy ETF ETF 72201R866 2,385 45,000 SH   SOLE 0 2,385 0 0
PNC Financial Services com 693475105 921 4,992 SH   SOLE 0 921 0 0
Polaris Industries Inc. com 731068102 450 4,277 SH   SOLE 0 450 0 0
Popular Inc com 733174700 777 9,504 SH   SOLE 0 777 0 0
Potlatch Corporation com 737630103 6,482 122,920 SH   SOLE 0 6,482 0 0
PPG Industries Inc com 693506107 371 2,834 SH   SOLE 0 371 0 0
PPL Corporation com 69351T106 297 10,412 SH   SOLE 0 297 0 0
Premier, Inc. com 74051N102 725 20,384 SH   SOLE 0 725 0 0
Prestige Brands Holdings, Inc. com 74112D101 233 4,405 SH   SOLE 0 233 0 0
Principal Financial Group Inc. com 74251V102 1,007 13,723 SH   SOLE 0 1,007 0 0
Procter & Gamble com 742718109 11,388 74,530 SH   SOLE 0 11,388 0 0
Progressive Corp. com 743315103 1,347 11,814 SH   SOLE 0 1,347 0 0
ProLogis com 74340W103 436 2,699 SH   SOLE 0 436 0 0
Prudential Financial Inc com 744320102 3,214 27,198 SH   SOLE 0 3,214 0 0
Pub Svc Enterprise Group com 744573106 398 5,682 SH   SOLE 0 398 0 0
PulteGroup Inc com 745867101 4,111 98,123 SH   SOLE 0 4,111 0 0
Quest Diagnostic Inc com 74834L100 4,027 29,424 SH   SOLE 0 4,027 0 0
Raytheon Technologies Co com 75513E101 1,091 11,014 SH   SOLE 0 1,091 0 0
Regal Rexnord Corporation com 758750103 286 1,922 SH   SOLE 0 286 0 0
Regions Financial Cp New com 7591EP100 636 28,592 SH   SOLE 0 636 0 0
Reliance Steel & Aluminum Co com 759509102 1,316 7,179 SH   SOLE 0 1,316 0 0
Republic Services, Inc com 760759100 267 2,014 SH   SOLE 0 267 0 0
Ross Stores, Inc com 778296103 213 2,350 SH   SOLE 0 213 0 0
Schwab Emerging Mkts Equity ETF ETF 808524706 932 33,572 SH   SOLE 0 932 0 0
Schwab Fundamental Emerg Mkts Lg Co ETF ETF 808524730 39,064 1,349,364 SH   SOLE 0 39,064 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755 61,364 1,903,360 SH   SOLE 0 61,364 0 0
Schwab Fundamental Intl Sm Co ETF ETF 808524748 219 6,203 SH   SOLE 0 219 0 0
Schwab Fundamental US Large Company ETF ETF 808524771 5,318 90,913 SH   SOLE 0 5,318 0 0
Schwab Fundamental US Small Company ETF ETF 808524763 14,248 266,526 SH   SOLE 0 14,248 0 0
Schwab Intermediate-Term U.S. Trsy ETF ETF 808524854 24,133 453,211 SH   SOLE 0 24,133 0 0
Schwab International Equity ETF ETF 808524805 49,102 1,337,201 SH   SOLE 0 49,102 0 0
Schwab U.S. Aggregate Bond ETF ETF 808524839 207 4,101 SH   SOLE 0 207 0 0
Schwab U.S. Dividend Equity ETF ETF 808524797 266 3,375 SH   SOLE 0 266 0 0
Schwab U.S. REIT ETF ETF 808524847 20,111 807,993 SH   SOLE 0 20,111 0 0
Schwab U.S. Small-Cap ETF ETF 808524607 322 6,796 SH   SOLE 0 322 0 0
Schwab US Broad Mkt ETF ETF 808524102 692 12,968 SH   SOLE 0 692 0 0
Schwab US Large-Cap Value ETF ETF 808524409 357 4,996 SH   SOLE 0 357 0 0
Schwab US LC ETF ETF 808524201 214 3,970 SH   SOLE 0 214 0 0
Schwab US TIPS ETF ETF 808524870 18,942 312,000 SH   SOLE 0 18,942 0 0
Seagate Technology PLC F com G7997R103 5,645 62,788 SH   SOLE 0 5,645 0 0
Select Medical Holdings Corp com 81619Q105 502 20,928 SH   SOLE 0 502 0 0
Shell plc com 780259305 1,211 22,054 SH   SOLE 0 1,211 0 0
Simon Ppty Group New com 828806109 5,305 40,327 SH   SOLE 0 5,305 0 0
Snap On Inc com 833034101 2,616 12,730 SH   SOLE 0 2,616 0 0
Sonoco Products Co com 835495102 218 3,489 SH   SOLE 0 218 0 0
SPDR Barclays Cap Interm Term Corp Bond ETF ETF 78464A375 8,539 250,045 SH   SOLE 0 8,539 0 0
SPDR S&P 500 ETF ETF 78462F103 243 539 SH   SOLE 0 243 0 0
Sprouts Farmers Market com 85208M102 784 24,516 SH   SOLE 0 784 0 0
STAG Industrial, Inc. com 85254J102 2,409 58,254 SH   SOLE 0 2,409 0 0
State Street Corp com 857477103 1,048 12,027 SH   SOLE 0 1,048 0 0
Steel Dynamics, Inc. com 858119100 1,916 22,965 SH   SOLE 0 1,916 0 0
Store Capital Corporation com 862121100 1,541 52,733 SH   SOLE 0 1,541 0 0
Sun Communities Inc com 866674104 998 5,693 SH   SOLE 0 998 0 0
Synchrony Financial com 87165B103 1,236 35,498 SH   SOLE 0 1,236 0 0
SYNNEX Corp. com 87162W100 541 5,245 SH   SOLE 0 541 0 0
Target Corporation com 87612E106 13,043 61,461 SH   SOLE 0 13,043 0 0
TE Connectivity Ltd. com H84989104 1,039 7,934 SH   SOLE 0 1,039 0 0
Technology Select Sector SPDR ETF ETF 81369Y803 274 1,724 SH   SOLE 0 274 0 0
TEGNA, Inc. com 87901J105 463 20,666 SH   SOLE 0 463 0 0
Texas Instruments Inc com 882508104 6,786 36,987 SH   SOLE 0 6,786 0 0
The Chemours Company com 163851108 264 8,376 SH   SOLE 0 264 0 0
The Hanover Insurance Group Inc. com 410867105 1,105 7,393 SH   SOLE 0 1,105 0 0
The Kraft Heinz Company com 500754106 1,625 41,267 SH   SOLE 0 1,625 0 0
The Macerich Co com 554382101 2,492 159,317 SH   SOLE 0 2,492 0 0
The Real Estate Select Sector SPDR Fund com 81369Y860 2,986 61,787 SH   SOLE 0 2,986 0 0
Thermo Fisher Scientific Inc. com 883556102 4,800 8,127 SH   SOLE 0 4,800 0 0
TJX Cos Inc com 872540109 1,245 20,551 SH   SOLE 0 1,245 0 0
Toronto-Dominion Bank com 891160509 3,177 40,004 SH   SOLE 0 3,177 0 0
Tortoise North American Pipeline Fund com 56167N720 16,651 628,560 SH   SOLE 0 16,651 0 0
TotalEnergies SE com 89151E109 1,866 36,919 SH   SOLE 0 1,866 0 0
Toyota Motor Corporation ADR 892331307 10,251 56,872 SH   SOLE 0 10,251 0 0
Travel & Leisure Co. com 894164102 393 6,787 SH   SOLE 0 393 0 0
Travelers Companies Inc com 89417E109 4,073 22,290 SH   SOLE 0 4,073 0 0
Triton International Limited com G9078F107 3,524 50,213 SH   SOLE 0 3,524 0 0
Twenty-First Century Fox, Inc. Cl A com 35137L105 3,271 82,908 SH   SOLE 0 3,271 0 0
Tyson Foods Inc com 902494103 5,342 59,599 SH   SOLE 0 5,342 0 0
UGI Corporation New com 902681105 5,347 147,636 SH   SOLE 0 5,347 0 0
Union Pacific com 907818108 5,918 21,660 SH   SOLE 0 5,918 0 0
United Natural Foods, Inc com 911163103 310 7,497 SH   SOLE 0 310 0 0
United Parcel Service, Inc. com 911312106 813 3,790 SH   SOLE 0 813 0 0
United Rentals, Inc. com 911363109 2,567 7,226 SH   SOLE 0 2,567 0 0
UnitedHealth Group Inc. com 91324P102 4,155 8,148 SH   SOLE 0 4,155 0 0
Universal Health Services Inc. com 913903100 260 1,797 SH   SOLE 0 260 0 0
Unum Group com 91529Y106 229 7,281 SH   SOLE 0 229 0 0
US Bancorp com 902973304 3,527 66,365 SH   SOLE 0 3,527 0 0
Valero Energy Corp New com 91913Y100 556 5,480 SH   SOLE 0 556 0 0
VanEck Vectors Gold Miners ETF ETF 92189F106 318 8,286 SH   SOLE 0 318 0 0
VanEck Vectors High-Yield Muni ETF ETF 92189H409 1,830 31,878 SH   SOLE 0 1,830 0 0
VanEck Vectors Intermediate Muni ETF ETF 92189H201 464 9,813 SH   SOLE 0 464 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 283 1,743 SH   SOLE 0 283 0 0
Vanguard Emerging Markets Stock ETF ETF 922042858 360 7,798 SH   SOLE 0 360 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775 250 4,338 SH   SOLE 0 250 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 521 10,846 SH   SOLE 0 521 0 0
Vanguard Interm-Tm Govt Bd Inx ETF ETF 92206C706 11,917 189,430 SH   SOLE 0 11,917 0 0
Vanguard Reit Index ETF ETF 922908553 7,266 67,044 SH   SOLE 0 7,266 0 0
Vanguard Russell 1000 ETF ETF 92206C730 3,915 18,893 SH   SOLE 0 3,915 0 0
Vanguard S&P 500 ETF ETF 922908363 529 1,273 SH   SOLE 0 529 0 0
Vanguard Small Cap Value ETF ETF 922908611 11,704 66,522 SH   SOLE 0 11,704 0 0
Vanguard Tax-Exempt Bond Index ETF ETF 922907746 14,663 284,436 SH   SOLE 0 14,663 0 0
Vanguard Total Bond Market ETF ETF 921937835 7,621 95,819 SH   SOLE 0 7,621 0 0
Vanguard Total International Stock ETF ETF 921909768 256 4,286 SH   SOLE 0 256 0 0
Vanguard Total Stock Market ETF ETF 922908769 639 2,805 SH   SOLE 0 639 0 0
Vanguard Ultra-Short Bond ETF Shares ETF 92203C303 1,369 27,709 SH   SOLE 0 1,369 0 0
Vanguard Value ETF ETF 922908744 818 5,534 SH   SOLE 0 818 0 0
Verizon Communications com 92343V104 10,159 199,433 SH   SOLE 0 10,159 0 0
Visa, Inc. com 92826C839 356 1,607 SH   SOLE 0 356 0 0
Vishay Intertechnology Inc. com 928298108 1,953 99,629 SH   SOLE 0 1,953 0 0
Vistra Corp. com 92840M102 360 15,505 SH   SOLE 0 360 0 0
Walgreens Boots Alliance Inc. com 931427108 1,900 42,429 SH   SOLE 0 1,900 0 0
Wal-Mart Stores Inc com 931142103 11,197 75,191 SH   SOLE 0 11,197 0 0
Weyerhaeuser Co com 962166104 3,912 103,229 SH   SOLE 0 3,912 0 0
Whirlpool Corp com 963320106 3,111 18,006 SH   SOLE 0 3,111 0 0
Williams Companies, Inc. com 969457100 240 7,182 SH   SOLE 0 240 0 0
Williams Sonoma com 969904101 1,338 9,226 SH   SOLE 0 1,338 0 0
Yamana Gold, Inc. com 98462Y100 74 13,300 SH   SOLE 0 74 0 0
Ziff Davis, Inc. com 48123V102 925 9,560 SH   SOLE 0 925 0 0