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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Advanced Micro Devic COM 007903107   972 15 SH   SOLE   0 0 0
Brown & Brown Inc COM 115236101   4,159 73 SH   SOLE   0 0 0
Brown & Brown Inc COM 115236101   249,016 4,371 SH   SOLE   0 0 0
Brown & Brown Inc COM 115236101   110,009 1,931 SH   SOLE   0 0 0
Brown & Brown Inc COM 115236101   363,184 6,375 SH   SOLE   0 0 0
CVS Corp. COM 126650100   14,910 160 SH   SOLE   0 0 0
Cdn Imperial Bk Comm COM 136069101   6,876 170 SH   SOLE   0 0 0
Caterpillar Tractor Co. S COM 149123101   222,312 928 SH   SOLE   0 0 0
Chevron Corp COM 166764100   60,668 338 SH   SOLE   0 0 0
Church & Dwight Co Inc COM 171340102   58,442 725 SH   SOLE   0 0 0
Citigroup Inc. COM 172967424   16,735 370 SH   SOLE   0 0 0
Coca-Cola Co. COM 191216100   55,273 869 SH   SOLE   0 0 0
Copart Inc COM 217204106   87,925 1,444 SH   SOLE   0 0 0
Cousins Properties Inc. COM 222795502   106,547 4,213 SH   SOLE   0 0 0
Deere & Co COM 244199105   12,863 30 SH   SOLE   0 0 0
Walt Disney Co. COM 254687106   65,073 749 SH   SOLE   0 0 0
Discover Finl Svcs COM 254709108   52,828 540 SH   SOLE   0 0 0
Dollar General Corp COM 256677105   26,841 109 SH   SOLE   0 0 0
DOVER CORPORATION COM 260003108   14,895 110 SH   SOLE   0 0 0
Ebay Inc COM 278642103   8,294 200 SH   SOLE   0 0 0
Factset Research Systems COM 303075105   20,060 50 SH   SOLE   0 0 0
Fid Ndq Comp Ec Etf Dv COM 315912808   36,054 880 SH   SOLE   0 0 0
Flowers Foods Inc COM 343498101   20,434 711 SH   SOLE   0 0 0
Ford Motor Company COM 345370860   1,163 100 SH   SOLE   0 0 0
Garrett Motion Inc COM 366505105   69 9 SH   SOLE   0 0 0
General Electric Co. COM 369604301   5,865 70 SH   SOLE   0 0 0
Genuine Parts Co COM 372460105   11,278 65 SH   SOLE   0 0 0
Hershey Company COM 427866108   34,272 148 SH   SOLE   0 0 0
Home Depot COM 437076102   845,557 2,677 SH   SOLE   0 0 0
Honeywell Intl. Inc. COM 438516106   45,646 213 SH   SOLE   0 0 0
Huntington Bancshs Inc COM 446150104   4,991 354 SH   SOLE   0 0 0
ILLINOIS TOOL WORKS INC COM 452308109   11,015 50 SH   SOLE   0 0 0
Intel Corp. COM 458140100   232,293 8,789 SH   SOLE   0 0 0
International Business Machines COM 459200101   4,227 30 SH   SOLE   0 0 0
iShares COMEX Gold Trust COM 464285204   173 5 SH   SOLE   0 0 0
Ishares Msci Emu Etf COM 464286608   553 14 SH   SOLE   0 0 0
iShares Core S&P Total U.S. ETF COM 464287150   365,573 4,311 SH   SOLE   0 0 0
Ishares Tr Lehman Tips COM 464287176   89,835 844 SH   SOLE   0 0 0
ISHARES TRANS AVG ETF COM 464287192   17,084 80 SH   SOLE   0 0 0
iShares S&P 500 Index COM 464287200   1,894,351 4,931 SH   SOLE   0 0 0
iShares Tr Lehman Bd Fd COM 464287226   213,378 2,200 SH   SOLE   0 0 0
iShares MSCI Emerging Markets Index COM 464287234   2,556,961 67,466 SH   SOLE   0 0 0
iShares S&P 500 Growth COM 464287309   78,156 1,336 SH   SOLE   0 0 0
iShares Tr S&P 500 Value COM 464287408   944,841 6,513 SH   SOLE   0 0 0
iShares Barcalys 1 - 3 Yr Bd Fd COM 464287457   57,550 709 SH   SOLE   0 0 0
iShares MSCI EAFE Index COM 464287465   14,481,759 220,624 SH   SOLE   0 0 0
iShares Russell Midcap Value COM 464287473   595,487 5,653 SH   SOLE   0 0 0
iShares Russell Mid Cap Growth COM 464287481   1,876,569 22,447 SH   SOLE   0 0 0
iShares Russell Midcap COM 464287499   122,894 1,822 SH   SOLE   0 0 0
iShares S&P MidCap 400 Index COM 464287507   193,028 798 SH   SOLE   0 0 0
iShares Cohen & Steers REIT COM 464287564   21,228 387 SH   SOLE   0 0 0
iShares Russell 1000 Value COM 464287598   5,782,414 38,130 SH   SOLE   0 0 0
iShares S&P MidCap 400 - Barra Growth COM 464287606   20,694,832 302,999 SH   SOLE   0 0 0
iShares Russell 1000 Growth COM 464287614   5,506,396 25,702 SH   SOLE   0 0 0
iShares Russell 1000 Index COM 464287622   17,052 81 SH   SOLE   0 0 0
iShares Russell 2000 Value COM 464287630   11,596,054 83,623 SH   SOLE   0 0 0
iShares Russell 2000 Growth COM 464287648   4,577,213 21,337 SH   SOLE   0 0 0
iShares Russell 2001 COM 464287655   25,146,506 144,222 SH   SOLE   0 0 0
iShares Russell 3000 Index COM 464287689   14,371,837 65,125 SH   SOLE   0 0 0
iShares S&P Midcap Value COM 464287705   7,056 70 SH   SOLE   0 0 0
iShares US Technology Index COM 464287721   109,053 1,464 SH   SOLE   0 0 0
iShares Core S&P Small Cap ETF COM 464287804   104,293 1,102 SH   SOLE   0 0 0
iShares Dow Jones Total Market Index COM 464287846   164,098 1,756 SH   SOLE   0 0 0
iShares S&P Small Cap 600 Value COM 464287879   73,048 800 SH   SOLE   0 0 0
iShares S&P Small Cap 600 Growth COM 464287887   54,251 502 SH   SOLE   0 0 0
iShares S&P Short Term Muni Fund COM 464288158   79,245 760 SH   SOLE   0 0 0
Ishares Global Timber COM 464288174   14,550 200 SH   SOLE   0 0 0
iShares MSCI ACWI Index COM 464288257   308,624 3,636 SH   SOLE   0 0 0
iShares MSCI EAFE Small Cap COM 464288273   5,534,362 97,988 SH   SOLE   0 0 0
iShares S&P National Muni Bond COM 464288414   20,906,678 198,130 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   876,007 4,959 SH   SOLE   0 0 0
K L A Tencor Corp COM 482480100   56,554 150 SH   SOLE   0 0 0
Lilly Eli & Co. COM 532457108   275,843 754 SH   SOLE   0 0 0
Lowes Companies Inc. COM 548661107   22,713 114 SH   SOLE   0 0 0
Manitowoc Company COM 563571405   916 100 SH   SOLE   0 0 0
McDonalds Corp. COM 580135101   74,315 282 SH   SOLE   0 0 0
Microsoft Corp. COM 594918104   1,478,011 6,163 SH   SOLE   0 0 0
Mondelez Intl Inc Cl A COM 609207105   26,660 400 SH   SOLE   0 0 0
Morgan Stanley COM 617446448   71,842 845 SH   SOLE   0 0 0
National Grid Group Adrf COM 636274409   12,667 210 SH   SOLE   0 0 0
Nike Inc Class B COM 654106103   48,559 415 SH   SOLE   0 0 0
Norfolk Southern Corp COM 655844108   29,078 118 SH   SOLE   0 0 0
Northrop Grumman Corp COM 666807102   30,009 55 SH   SOLE   0 0 0
Pnc Finl Services Gp Inc COM 693475105   23,691 150 SH   SOLE   0 0 0
Parker-Hannifin Corp COM 701094104   24,153 83 SH   SOLE   0 0 0
Pepsico Inc. COM 713448108   71,541 396 SH   SOLE   0 0 0
Perkinelmer Inc COM 714046109   7,993 57 SH   SOLE   0 0 0
Pfizer Inc. COM 717081103   35,561 694 SH   SOLE   0 0 0
Philip Morris Intl Inc COM 718172109   22,064 218 SH   SOLE   0 0 0
Progressive Corp Ohio COM 743315103   27,369 211 SH   SOLE   0 0 0
Pub Svc Ent Group Inc COM 744573106   5,085 83 SH   SOLE   0 0 0
ROK COM 773903109   18,030 70 SH   SOLE   0 0 0
Ross Stores Inc COM 778296103   30,294 261 SH   SOLE   0 0 0
Schwab US Broad Equity Market ETF COM 808524102   20,613 460 SH   SOLE   0 0 0
Schwab US Large Cap ETF COM 808524201   204,439 4,528 SH   SOLE   0 0 0
Schwab US Large Cap Growth ETF COM 808524300   309,580 5,572 SH   SOLE   0 0 0
Schwab US Large Cap Value ETF COM 808524409   326,469 4,945 SH   SOLE   0 0 0
Schwab US Mid-Cap ETF COM 808524508   115,998 1,768 SH   SOLE   0 0 0
Schwab US Small Cap ETF COM 808524607   99,087 2,446 SH   SOLE   0 0 0
Schwab Emerging Markets Equity ETF COM 808524706   2,036 86 SH   SOLE   0 0 0
Schwab FTSE Dev International COM 808524805   93,828 2,913 SH   SOLE   0 0 0
Schwab US REIT ETF COM 808524847   30,517 1,582 SH   SOLE   0 0 0
Schwab US TIPS ETF COM 808524870   21,079 407 SH   SOLE   0 0 0
Schwab Intl Small Cap ETF COM 808524888   78,549 2,496 SH   SOLE   0 0 0
Sherwin Williams Co COM 824348106   30,616 129 SH   SOLE   0 0 0
Southern Co. COM 842587107   62,627 877 SH   SOLE   0 0 0
Starbucks Corp COM 855244109   40,672 410 SH   SOLE   0 0 0
Stryker Corp COM 863667101   20,782 85 SH   SOLE   0 0 0
T-MOBILE US INC COM 872590104   105,280 752 SH   SOLE   0 0 0
Taiwan Semiconductr Adrf COM 874039100   87,153 1,170 SH   SOLE   0 0 0
Teledyne Technologies COM 879360105   62,786 157 SH   SOLE   0 0 0
Texas Instruments Inc. COM 882508104   35,688 216 SH   SOLE   0 0 0
Thermo Electron Corp COM 883556102   185,032 336 SH   SOLE   0 0 0
Transdigm Group Inc Com COM 893641100   67,373 107 SH   SOLE   0 0 0
Union Pacific Corp COM 907818108   6,419 31 SH   SOLE   0 0 0
United Parcel Service B COM 911312106   43,982 253 SH   SOLE   0 0 0
VF Corp. COM 918204108   74,989 2,716 SH   SOLE   0 0 0
Vanguard Div Apprciation COM 921908844   203,783 1,342 SH   SOLE   0 0 0
Vanguard S&P Mid Cap COM 921932885   80,954 495 SH   SOLE   0 0 0
Vanguard Long Term Bond COM 921937793   36,075 498 SH   SOLE   0 0 0
Vanguard Bond Index Fund COM 921937819   35,228 474 SH   SOLE   0 0 0
Vanguard Bond Index Fund COM 921937827   77,313 1,027 SH   SOLE   0 0 0
Vanguard Total Bond Index Fund COM 921937835   10,594 147 SH   SOLE   0 0 0
Vanguard MSCI EAFE ETF COM 921943858   159,864 3,809 SH   SOLE   0 0 0
Vanguard Shrt Inf Prot COM 922020805   90,804 1,944 SH   SOLE   0 0 0
Vanguard Global Ex US Real Estate COM 922042676   1,787,185 43,231 SH   SOLE   0 0 0
Vanguard Intl Eqty Index COM 922042775   6,315,685 125,961 SH   SOLE   0 0 0
Vanguard FTSE Emerging Markets COM 922042858   49,894 1,280 SH   SOLE   0 0 0
Vanguard Muni Bnd Tax COM 922907746   866,273 17,504 SH   SOLE   0 0 0
Vanguard S&P 500 Etf COM 922908363   209,399 596 SH   SOLE   0 0 0
Vanguard Mid-Cap Growth ETF COM 922908538   334,354 1,860 SH   SOLE   0 0 0
Vanguard Real Estate ETF COM 922908553   718,153 8,707 SH   SOLE   0 0 0
Vanguard Small Cap Growth COM 922908595   99,668 497 SH   SOLE   0 0 0
Vanguard Small Cap Value COM 922908611   21,279 134 SH   SOLE   0 0 0
Vanguard Mid Cap COM 922908629   504,022 2,473 SH   SOLE   0 0 0
Vanguard Extended Mkt COM 922908652   17,670 133 SH   SOLE   0 0 0
Vanguard Large Cap Growth ETF COM 922908736   186,045 873 SH   SOLE   0 0 0
Vanguard Large Cap Value ETF COM 922908744   981,046 6,989 SH   SOLE   0 0 0
Vanguard Small Cap Blend ETF COM 922908751   62,954 343 SH   SOLE   0 0 0
Vanguard Total Stock Mkt COM 922908769   7,386,817 38,636 SH   SOLE   0 0 0
Wabtec COM 929740108   100 1 SH   SOLE   0 0 0
Wal-Mart Stores Inc. COM 931142103   6,948 49 SH   SOLE   0 0 0
Verisign Inc COM 92343E106   27,529 134 SH   SOLE   0 0 0
Travelers Companies Inc COM 89417E113   14,999 80 SH   SOLE   0 0 0
Abbvie Inc COM 00287Y109   18,262 113 SH   SOLE   0 0 0
Adobe Systems Inc COM 00724F101   7,740 23 SH   SOLE   0 0 0
Google Inc Class C COM 02079K107   289,260 3,260 SH   SOLE   0 0 0
Google Inc Class A COM 02079K305   233,104 2,642 SH   SOLE   0 0 0
Altria Group COM 02209S103   23,769 520 SH   SOLE   0 0 0
American Tower Corp COM 03027X100   15,890 75 SH   SOLE   0 0 0
Ameriprise Financial Inc COM 03076C106   21,796 70 SH   SOLE   0 0 0
Ansys Inc COM 03662Q105   19,327 80 SH   SOLE   0 0 0
Black Stone Minerals Lp COM 09225M101   100,950 5,984 SH   SOLE   0 0 0
Blackrock Inc COM 09247X101   7,086 10 SH   SOLE   0 0 0
Avago Technologies COM 11135F101   79,956 143 SH   SOLE   0 0 0
Brookfield Asset Mgmt COM 11271J107   52,758 1,677 SH   SOLE   0 0 0
Cisco Systems Inc COM 17275R102   6,670 140 SH   SOLE   0 0 0
Comcast Corp New Cl A COM 20030N101   31,298 895 SH   SOLE   0 0 0
ConocoPhillips COM 20825C104   84,960 720 SH   SOLE   0 0 0
Constellation Brand COM 21036P108   18,540 80 SH   SOLE   0 0 0
Costco Whsl Corp New COM 22160K105   13,695 30 SH   SOLE   0 0 0
Duke Energy Corp. COM 26441C204   14,831 144 SH   SOLE   0 0 0
Encompass Health Cor COM 29261A100   5,024 84 SH   SOLE   0 0 0
Entergy Corp New COM 29364G103   32,512 289 SH   SOLE   0 0 0
Exxon Mobil Corp. COM 30231G102   364,211 3,302 SH   SOLE   0 0 0
Flexshares Qual Div ETF COM 33939L860   22,565 429 SH   SOLE   0 0 0
Hca The Healthcare Co COM 40412C101   47,992 200 SH   SOLE   0 0 0
Ingevity Corporation COM 45688C107   17,469 248 SH   SOLE   0 0 0
Intuitive Surgical New COM 46120E602   37,414 141 SH   SOLE   0 0 0
Invesco S&P 500 Top 51 COM 46137V233   142,682 517 SH   SOLE   0 0 0
Rydex Etf TRUST COM 46137V258   32,596 418 SH   SOLE   0 0 0
Powershs Db Commdty Indx COM 46138B103   17,773 721 SH   SOLE   0 0 0
Invesco Treasury COM 46138G888   263,455 2,501 SH   SOLE   0 0 0
Invesco BulletShares 2026 Corp Bond COM 46138J791   263,474 13,922 SH   SOLE   0 0 0
Invesco BulletShares 2025 Corp Bond COM 46138J825   316,359 15,708 SH   SOLE   0 0 0
Invesco BulletShares 2024 Corp Bond COM 46138J841   405,789 19,809 SH   SOLE   0 0 0
Invesco BulletShares 2023 Corp Bond COM 46138J866   415,866 19,822 SH   SOLE   0 0 0
Ishares Msci Usa Min COM 46429B697   22,063 306 SH   SOLE   0 0 0
iShares Core MSCI EAFE COM 46432F842   1,436,582 23,306 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets COM 46434G103   2,922,906 62,589 SH   SOLE   0 0 0
iShares iBonds Dec 2023 Term Muni Bond COM 46435G318   727,063 28,681 SH   SOLE   0 0 0
iShares iBonds Dec 2025 Term Muni Bond COM 46435U432   708,166 26,855 SH   SOLE   0 0 0
iShares iBonds Dec 2024 Term Muni Bond COM 46435U697   728,364 28,286 SH   SOLE   0 0 0
J.P.Morgan Chase & Co. COM 46625H100   43,851 327 SH   SOLE   0 0 0
Kyndryl Hldgs Inc COM 50155Q100   78 7 SH   SOLE   0 0 0
Marathon Pete Corp COM 56585A102   66,110 568 SH   SOLE   0 0 0
Mastercard Inc Cl A Com COM 57636Q104   11,127 32 SH   SOLE   0 0 0
Netflix Inc COM 64110L106   35,386 120 SH   SOLE   0 0 0
Nisource Inc Holding Co COM 65473P105   82,260 3,000 SH   SOLE   0 0 0
Encana Corp Iam Commerci COM 69047Q102   50,710 1,000 SH   SOLE   0 0 0
Paypal Holdings Inco COM 70450Y103   28,844 405 SH   SOLE   0 0 0
Rowe T Price Group Inc COM 74144T108   16,359 150 SH   SOLE   0 0 0
Principal Financial Grp COM 74251V102   79,472 947 SH   SOLE   0 0 0
Regions Financial Corp COM 7591EP100   9,659 448 SH   SOLE   0 0 0
Resideo Technologies Inc COM 76118Y104   247 15 SH   SOLE   0 0 0
S & P Global Inc COM 78409V104   38,518 115 SH   SOLE   0 0 0
S B A Communications COM 78410G104   66,153 236 SH   SOLE   0 0 0
SPDR Trust - S&P 500 Index COM 78462F103   1,637,893 4,283 SH   SOLE   0 0 0
SPDR SPDR S&P CHINA ETF COM 78463X400   9,168 117 SH   SOLE   0 0 0
SPDR GLOBAL NATURAL RESOURCES ETF COM 78463X541   88,623 1,554 SH   SOLE   0 0 0
SPDR DJ Intl Real Estate ETF COM 78463X863   51,505 1,924 SH   SOLE   0 0 0
iShares International Small COM 78463X871   78,907 2,683 SH   SOLE   0 0 0
SPDR DJ Small Cap Growth COM 78464A201   22,351,298 309,403 SH   SOLE   0 0 0
SPDR S&P 600 Small Cap Value ETF COM 78464A300   15,809 213 SH   SOLE   0 0 0
SPDR S&P 500 Growth ETF COM 78464A409   61,460,773 1,212,962 SH   SOLE   0 0 0
SPDR S&P 500 Value ETF COM 78464A508   28,001 720 SH   SOLE   0 0 0
DJ Wilshire REIT ETF COM 78464A607   717,332 8,231 SH   SOLE   0 0 0
Spdr S&P Dividend Etf COM 78464A763   671,841 5,370 SH   SOLE   0 0 0
Spdr S&P 600 Small Cap COM 78464A813   38,803 472 SH   SOLE   0 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608   110,144 2,693 SH   SOLE   0 0 0
Diamonds TRUST Series I COM 78467X109   56,657 171 SH   SOLE   0 0 0
S&P Mid Cap 401 COM 78467Y107   51,806 117 SH   SOLE   0 0 0
SPDR Nuveen Short Term Muni COM 78468R739   193,464 4,118 SH   SOLE   0 0 0
Salesforce Com COM 79466L302   27,579 208 SH   SOLE   0 0 0
Sector Spdr Indl Select COM 81369Y704   78,077 795 SH   SOLE   0 0 0
Sector Spdr Util Select COM 81369Y886   16,920 240 SH   SOLE   0 0 0
Sprott Physical Gold Trf COM 85207H104   11,872 842 SH   SOLE   0 0 0
Sprott Phys Silver Tr COM 85207K107   5,043 612 SH   SOLE   0 0 0
Targa Resources Corp COM 87612G101   18,154 247 SH   SOLE   0 0 0
Unitedhealth Group Inc COM 91324P102   217,374 410 SH   SOLE   0 0 0
VANECK VECTORS AGRIBUSINESS ET F COM 92189F700   30,044 350 SH   SOLE   0 0 0
Vanguard Total COM 92203J407   72,805 1,535 SH   SOLE   0 0 0
Vanguard Energy ETF COM 92204A306   6,064 50 SH   SOLE   0 0 0
Vanguard Health Care COM 92204A504   59,284 239 SH   SOLE   0 0 0
Vanguard ST Corp Bond Index - ETF COM 92206C409   431,891 5,744 SH   SOLE   0 0 0
Vanguard Intermediate COM 92206C706   108,305 1,852 SH   SOLE   0 0 0
Vanguard Mortgage Backed COM 92206C771   36,962 812 SH   SOLE   0 0 0
Vanguard Corp Bond Etf COM 92206C870   7,906 102 SH   SOLE   0 0 0
Verizon Communications COM 92343V104   9,456 240 SH   SOLE   0 0 0
Verisk Analytics Inc COM 92345Y106   29,991 170 SH   SOLE   0 0 0
Visa Inc Cl A COM 92826C839   721,758 3,474 SH   SOLE   0 0 0
Westrock Company COM 96145D105   52,177 1,484 SH   SOLE   0 0 0
WISDOMTREE HIGH DIVIDEND FUND COM 97717W208   344,240 4,000 SH   SOLE   0 0 0
WisdomTree LargeCap Dividend ETF COM 97717W307   21,682 350 SH   SOLE   0 0 0
Wisdomtree Midcap Divdnd COM 97717W505   370,260 9,000 SH   SOLE   0 0 0
Wisdomtree Smallcap Div COM 97717W604   79,515 2,796 SH   SOLE   0 0 0
Zoetis Inc COM 98978V103   46,896 320 SH   SOLE   0 0 0
Eaton Corporation COM G29183103   31,390 200 SH   SOLE   0 0 0
Manchester Utd Plc COM G5784H106   140 6 SH   SOLE   0 0 0
Steris Corp COM G8473T100   16,622 90 SH   SOLE   0 0 0