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 1,279 6,634 SH   SOLE   2,719 0 3,915
ABBOTT LABS COM 002824100 2,192 18,314 SH   SOLE   7,638 0 10,676
ABBVIE INC COM 00287Y109 801 7,413 SH   SOLE   36 0 7,377
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 593 2,144 SH   SOLE   0 0 2,144
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,154 2,427 SH   SOLE   0 0 2,427
ALIGN TECHNOLOGY INC COM 016255101 1,568 2,897 SH   SOLE   45 0 2,852
ALPHABET INC CAP STK CL A 02079K305 8,563 4,149 SH   SOLE   1,357 0 2,792
ALPHABET INC CAP STK CL C 02079K107 4,070 1,968 SH   SOLE   186 0 1,782
AMAZON COM INC COM 023135106 2,644 855 SH   SOLE   35 0 820
AMERICAN EXPRESS CO COM 025816109 652 4,625 SH   SOLE   0 0 4,625
AMGEN INC COM 031162100 752 3,019 SH   SOLE   0 0 3,019
ANALOG DEVICES INC COM 032654105 230 1,481 SH   SOLE   532 0 949
APPLE INC COM 037833100 41,049 336,054 SH   SOLE   56,545 0 279,509
APPLIED MATLS INC COM 038222105 417 3,123 SH   SOLE   0 0 3,123
AT&T INC COM 00206R102 495 16,392 SH   SOLE   0 0 16,392
BECTON DICKINSON & CO COM 075887109 236 975 SH   SOLE   55 0 920
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,700 7 SH   SOLE   4 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 17,574 68,785 SH   SOLE   12,617 0 56,168
BILL COM HLDGS INC COM 090043100 58,600 402,739 SH   SOLE   0 0 402,739
BK OF AMERICA CORP COM 060505104 1,360 35,128 SH   SOLE   0 0 35,128
BOEING CO COM 097023105 433 1,696 SH   SOLE   908 0 788
BRISTOL-MYERS SQUIBB CO COM 110122108 487 7,714 SH   SOLE   1,987 0 5,727
BROADCOM INC COM 11135F101 300 648 SH   SOLE   0 0 648
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 283 6,636 SH   SOLE   0 0 6,636
CAPITAL ONE FINL CORP COM 14040H105 314 2,466 SH   SOLE   0 0 2,466
CATERPILLAR INC COM 149123101 559 2,410 SH   SOLE   245 0 2,165
CHARTER COMMUNICATIONS INC N CL A 16119P108 684 1,109 SH   SOLE   73 0 1,036
CHEVRON CORP NEW COM 166764100 1,442 13,760 SH   SOLE   2,461 0 11,299
CINCINNATI FINL CORP COM 172062101 1,966 19,068 SH   SOLE   0 0 19,068
CISCO SYS INC COM 17275R102 1,114 21,521 SH   SOLE   500 0 21,021
CLOROX CO DEL COM 189054109 238 1,227 SH   SOLE   71 0 1,156
CLOUDFLARE INC CL A COM 18915M107 23,257 331,014 SH   SOLE   6,004 0 325,010
COCA COLA CO COM 191216100 644 12,209 SH   SOLE   1,842 0 10,367
COMCAST CORP NEW CL A 20030N101 1,356 25,000 SH   SOLE   5,796 0 19,204
COSTCO WHSL CORP NEW COM 22160K105 352 998 SH   SOLE   450 0 548
DANAHER CORPORATION COM 235851102 1,633 7,250 SH   SOLE   3,099 0 4,151
DISNEY WALT CO COM 254687106 3,337 18,093 SH   SOLE   5,987 0 12,106
DOCUSIGN INC COM 256163106 3,393 16,761 SH   SOLE   0 0 16,761
DOMINION ENERGY INC COM 25746U109 305 4,016 SH   SOLE   0 0 4,016
DUKE ENERGY CORP NEW COM NEW 26441C204 299 3,107 SH   SOLE   0 0 3,107
ECOLAB INC COM 278865100 321 1,500 SH   SOLE   0 0 1,500
ELASTIC N V ORD SHS N14506104 1,289 11,578 SH   SOLE   617 0 10,961
EXXON MOBIL CORP COM 30231G102 500 8,934 SH   SOLE   613 0 8,321
FACEBOOK INC CL A 30303M102 13,877 47,113 SH   SOLE   2,151 0 44,962
FEDEX CORP COM 31428X106 433 1,523 SH   SOLE   0 0 1,523
FIDELITY COVINGTON TRUST TOTAL BD ETF 316188309 2,459 46,926 SH   SOLE   33,397 0 13,529
FLEXSHARES TR US QUALITY CAP 33939L746 349 8,023 SH   SOLE   0 0 8,023
GENERAL ELECTRIC CO COM 369604103 236 17,919 SH   SOLE   1,513 0 16,406
GOLDMAN SACHS GROUP INC COM 38141G104 232 709 SH   SOLE   75 0 634
GUARDANT HEALTH INC COM 40131M109 349 2,285 SH   SOLE   0 0 2,285
HOME DEPOT INC COM 437076102 1,067 3,495 SH   SOLE   110 0 3,385
HONEYWELL INTL INC COM 438516106 332 1,527 SH   SOLE   400 0 1,127
HUNTINGTON BANCSHARES INC COM 446150104 564 35,877 SH   SOLE   0 0 35,877
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107 12,795 402,378 SH   SOLE   19,021 0 383,357
INTEL CORP COM 458140100 1,178 18,345 SH   SOLE   2,111 0 16,234
INTERNATIONAL BUSINESS MACHS COM 459200101 503 3,784 SH   SOLE   120 0 3,664
INVESCO EXCH TRADED FD TR II CHINA TECHNLGY 46138E800 382 4,690 SH   SOLE   4,690 0 0
INVESCO EXCHANGE TRADED FD T DYNMC SOFTWARE 46137V639 575 3,692 SH   SOLE   3,660 0 32
INVESCO QQQ TR UNIT SER 1 46090E103 437 1,368 SH   SOLE   0 0 1,368
ISHARES GOLD TR ISHARES 464285105 423 26,024 SH   SOLE   0 0 26,024
ISHARES INC CORE MSCI EMKT 46434G103 62,835 976,149 SH   SOLE   113,847 0 862,302
ISHARES INC EM MKTS DIV ETF 464286319 324 8,287 SH   SOLE   2,379 0 5,908
ISHARES INC MSCI EMERG MRKT 464286533 2,495 39,521 SH   SOLE   4,525 0 34,996
ISHARES INC MSCI GBL MIN VOL 464286525 254,637 2,581,179 SH   SOLE   511,385 0 2,069,794
ISHARES TR CORE HIGH DV ETF 46429B663 213 2,245 SH   SOLE   0 0 2,245
ISHARES TR CORE MSCI EAFE 46432F842 2,674 37,162 SH   SOLE   2,775 0 34,387
ISHARES TR CORE S&P MCP ETF 464287507 265 1,017 SH   SOLE   112 0 905
ISHARES TR CORE S&P SCP ETF 464287804 1,425 13,141 SH   SOLE   0 0 13,141
ISHARES TR CORE S&P TTL STK 464287150 2,047 22,359 SH   SOLE   0 0 22,359
ISHARES TR CORE S&P US GWT 464287671 749 8,252 SH   SOLE   0 0 8,252
ISHARES TR CORE S&P US VLU 464287663 154,803 2,246,714 SH   SOLE   290,923 0 1,955,791
ISHARES TR CORE S&P500 ETF 464287200 35,642 89,604 SH   SOLE   6,837 0 82,767
ISHARES TR CORE US AGGBD ET 464287226 6,078 53,386 SH   SOLE   11,552 0 41,834
ISHARES TR DOW JONES US ETF 464287846 2,970 29,744 SH   SOLE   0 0 29,744
ISHARES TR EAFE GRWTH ETF 464288885 218 2,169 SH   SOLE   1,944 0 225
ISHARES TR EAFE SML CP ETF 464288273 3,605 50,170 SH   SOLE   12,392 0 37,778
ISHARES TR EAFE VALUE ETF 464288877 51,977 1,019,807 SH   SOLE   220,476 0 799,331
ISHARES TR GRWT ALLOCAT ETF 464289867 2,886 53,875 SH   SOLE   32,724 0 21,151
ISHARES TR IBOXX HI YD ETF 464288513 678 7,772 SH   SOLE   5,347 0 2,425
ISHARES TR INTL SEL DIV ETF 464288448 718 22,823 SH   SOLE   0 0 22,823
ISHARES TR MODERT ALLOC ETF 464289875 7,949 182,524 SH   SOLE   0 0 182,524
ISHARES TR MSCI ACWI ETF 464288257 4,466 46,931 SH   SOLE   4,505 0 42,426
ISHARES TR MSCI ACWI EX US 464288240 349 6,334 SH   SOLE   0 0 6,334
ISHARES TR MSCI EAFE ETF 464287465 3,729 49,201 SH   SOLE   0 0 49,201
ISHARES TR MSCI EAFE MIN VL 46429B689 2,971 40,698 SH   SOLE   288 0 40,410
ISHARES TR MSCI EMG MKT ETF 464287234 6,012 112,684 SH   SOLE   5,220 0 107,464
ISHARES TR MSCI LW CRB TG 46434V464 3,115 19,972 SH   SOLE   3,509 0 16,463
ISHARES TR MSCI USA MIN VOL 46429B697 7,556 109,228 SH   SOLE   5,027 0 104,201
ISHARES TR MSCI USA MMENTM 46432F396 325 2,020 SH   SOLE   0 0 2,020
ISHARES TR MSCI USA QLT FCT 46432F339 666 5,463 SH   SOLE   0 0 5,463
ISHARES TR NATIONAL MUN ETF 464288414 44,105 380,058 SH   SOLE   44,537 0 335,521
ISHARES TR RUS 1000 ETF 464287622 16,541 73,899 SH   SOLE   6,226 0 67,673
ISHARES TR RUS 1000 GRW ETF 464287614 1,666 6,853 SH   SOLE   0 0 6,853
ISHARES TR RUS 1000 VAL ETF 464287598 5,393 35,577 SH   SOLE   1,010 0 34,567
ISHARES TR RUS 2000 GRW ETF 464287648 742 2,470 SH   SOLE   0 0 2,470
ISHARES TR RUS 2000 VAL ETF 464287630 17,047 106,883 SH   SOLE   7,593 0 99,290
ISHARES TR RUS MD CP GR ETF 464287481 1,073 10,506 SH   SOLE   1,000 0 9,506
ISHARES TR RUS MID CAP ETF 464287499 2,822 38,203 SH   SOLE   12,588 0 25,615
ISHARES TR RUSSELL 2000 ETF 464287655 11,229 50,798 SH   SOLE   2,187 0 48,611
ISHARES TR RUSSELL 3000 ETF 464287689 5,302 22,352 SH   SOLE   3,022 0 19,330
ISHARES TR S&P 500 GRWT ETF 464287309 245 3,760 SH   SOLE   3,610 0 150
ISHARES TR SELECT DIVID ETF 464287168 1,054 9,235 SH   SOLE   0 0 9,235
ISHARES TR SHORT TREAS BD 464288679 1,675 15,158 SH   SOLE   0 0 15,158
ISHARES TR U.S. MED DVC ETF 464288810 448 1,355 SH   SOLE   1,355 0 0
JFROG LTD ORD SHS M6191J100 1,525 34,360 SH   SOLE   0 0 34,360
JOHNSON & JOHNSON COM 478160104 3,934 23,949 SH   SOLE   4,408 0 19,541
JPMORGAN CHASE & CO COM 46625H100 3,441 22,609 SH   SOLE   4,913 0 17,696
KINDER MORGAN INC DEL COM 49456B101 410 24,610 SH   SOLE   0 0 24,610
LOWES COS INC COM 548661107 1,186 6,237 SH   SOLE   0 0 6,237
MARATHON OIL CORP COM 565849106 119 11,170 SH   SOLE   11,170 0 0
MARATHON PETE CORP COM 56585A102 294 5,471 SH   SOLE   4,394 0 1,077
MASTERCARD INCORPORATED CL A 57636Q104 811 2,282 SH   SOLE   0 0 2,282
MCDONALDS CORP COM 580135101 574 2,555 SH   SOLE   366 0 2,189
MERCK & CO. INC COM 58933Y105 1,119 14,541 SH   SOLE   1,028 0 13,513
MICROSOFT CORP COM 594918104 10,182 43,197 SH   SOLE   2,678 0 40,519
NEXTERA ENERGY INC COM 65339F101 513 6,771 SH   SOLE   0 0 6,771
NIKE INC CL B 654106103 674 5,039 SH   SOLE   2,506 0 2,533
NOKIA CORP SPONSORED ADR 654902204 79 20,000 SH   SOLE   0 0 20,000
NOVARTIS AG SPONSORED ADR 66987V109 234 2,731 SH   SOLE   0 0 2,731
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 280 6,506 SH   SOLE   0 0 6,506
ORACLE CORP COM 68389X105 1,082 15,420 SH   SOLE   900 0 14,520
PAYCHEX INC COM 704326107 1,113 11,363 SH   SOLE   0 0 11,363
PAYPAL HLDGS INC COM 70450Y103 1,018 4,201 SH   SOLE   1,499 0 2,702
PEPSICO INC COM 713448108 2,790 19,711 SH   SOLE   5,367 0 14,344
PFIZER INC COM 717081103 984 27,130 SH   SOLE   240 0 26,890
PROCTER AND GAMBLE CO COM 742718109 3,791 27,985 SH   SOLE   633 0 27,352
QUALCOMM INC COM 747525103 1,574 11,860 SH   SOLE   4,340 0 7,520
RAYTHEON TECHNOLOGIES CORP COM 75513E101 932 12,085 SH   SOLE   2,187 0 9,898
REALTY INCOME CORP COM 756109104 356 5,626 SH   SOLE   0 0 5,626
RESTAURANT BRANDS INTL INC COM 76131D103 850 13,072 SH   SOLE   0 0 13,072
ROYAL BK CDA COM 780087102 2,980 32,315 SH   SOLE   0 0 32,315
SALESFORCE COM INC COM 79466L302 2,567 12,108 SH   SOLE   7,863 0 4,245
SCHWAB CHARLES CORP COM 808513105 1,584 24,290 SH   SOLE   4,482 0 19,808
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 200 6,228 SH   SOLE   3,670 0 2,558
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,122 36,510 SH   SOLE   6,673 0 29,837
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 565 17,560 SH   SOLE   0 0 17,560
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 523 9,662 SH   SOLE   6,707 0 2,955
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 924 12,670 SH   SOLE   0 0 12,670
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,049 16,066 SH   SOLE   9,360 0 6,706
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,524 47,123 SH   SOLE   19,628 0 27,495
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,428 19,184 SH   SOLE   6,261 0 12,923
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 296 2,964 SH   SOLE   1,221 0 1,743
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 13,509 396,741 SH   SOLE   0 0 396,741
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 431 3,250 SH   SOLE   0 0 3,250
SEMPRA ENERGY COM 816851109 295 2,226 SH   SOLE   2,226 0 0
SILGAN HOLDINGS INC COM 827048109 972 23,128 SH   SOLE   0 0 23,128
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 347 1,048 SH   SOLE   0 0 1,048
SPDR GOLD TR GOLD SHS 78463V107 516 3,222 SH   SOLE   0 0 3,222
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 902 26,189 SH   SOLE   1,041 0 25,148
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 979 14,379 SH   SOLE   2,215 0 12,164
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 433 11,593 SH   SOLE   2,325 0 9,268
SPDR S&P 500 ETF TR TR UNIT 78462F103 26,497 66,845 SH   SOLE   7,603 0 59,242
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,466 3,079 SH   SOLE   27 0 3,052
SPDR SER TR BLMBRG BRC CNVRT 78464A359 467 5,605 SH   SOLE   5,605 0 0
SPDR SER TR NUVEEN BBG BRCLY 78464A284 3,871 65,254 SH   SOLE   6,298 0 58,956
SPDR SER TR S&P DIVID ETF 78464A763 864 7,312 SH   SOLE   0 0 7,312
SPDR SER TR S&P METALS MNG 78464A755 202 5,063 SH   SOLE   5,063 0 0
SPROUT SOCIAL INC COM CL A 85209W109 837 14,476 SH   SOLE   0 0 14,476
STARBUCKS CORP COM 855244109 309 2,844 SH   SOLE   478 0 2,366
TARGET CORP COM 87612E106 351 1,764 SH   SOLE   788 0 976
TESLA INC COM 88160R101 517 775 SH   SOLE   0 0 775
THERMO FISHER SCIENTIFIC INC COM 883556102 735 1,611 SH   SOLE   0 0 1,611
TJX COS INC NEW COM 872540109 1,847 27,892 SH   SOLE   10,980 0 16,912
TRUIST FINL CORP COM 89832Q109 511 8,766 SH   SOLE   246 0 8,520
UNION PAC CORP COM 907818108 2,021 9,151 SH   SOLE   2,876 0 6,275
UNITED PARCEL SERVICE INC CL B 911312106 234 1,380 SH   SOLE   0 0 1,380
UNITEDHEALTH GROUP INC COM 91324P102 1,025 2,757 SH   SOLE   790 0 1,967
US BANCORP DEL COM NEW 902973304 1,449 26,157 SH   SOLE   1,995 0 24,162
VANECK VECTORS ETF TR BIOTECH ETF 92189F726 733 4,190 SH   SOLE   2,283 0 1,907
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 1,107 17,829 SH   SOLE   3,605 0 14,224
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 895 10,912 SH   SOLE   0 0 10,912
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 44,331 523,171 SH   SOLE   56,680 0 466,491
VANGUARD INDEX FDS GROWTH ETF 922908736 2,038 7,928 SH   SOLE   0 0 7,928
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,465 7,902 SH   SOLE   0 0 7,902
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,960 32,226 SH   SOLE   8,508 0 23,718
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 53,800 147,702 SH   SOLE   17,037 0 130,665
VANGUARD INDEX FDS SM CP VAL ETF 922908611 182,684 1,103,277 SH   SOLE   150,768 0 952,509
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,551 11,904 SH   SOLE   0 0 11,904
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,214 4,423 SH   SOLE   0 0 4,423
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,908 43,099 SH   SOLE   27,694 0 15,405
VANGUARD INDEX FDS VALUE ETF 922908744 3,148 23,937 SH   SOLE   0 0 23,937
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 20,241 333,548 SH   SOLE   17,671 0 315,877
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,109 117,377 SH   SOLE   9,506 0 107,871
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 623 4,846 SH   SOLE   1,785 0 3,061
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,635 29,342 SH   SOLE   8,455 0 20,887
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 465 4,781 SH   SOLE   0 0 4,781
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,326 24,252 SH   SOLE   0 0 24,252
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,841 19,785 SH   SOLE   1,310 0 18,475
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 605 9,829 SH   SOLE   0 0 9,829
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,858 34,631 SH   SOLE   4,039 0 30,592
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 86,417 587,471 SH   SOLE   60,000 0 527,471
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,782 97,436 SH   SOLE   20,920 0 76,516
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 211 2,080 SH   SOLE   0 0 2,080
VANGUARD WORLD FDS INF TECH ETF 92204A702 4,993 13,923 SH   SOLE   3,290 0 10,633
VANGUARD WORLD FDS MATERIALS ETF 92204A801 366 2,110 SH   SOLE   410 0 1,700
VERIZON COMMUNICATIONS INC COM 92343V104 939 16,094 SH   SOLE   5,790 0 10,304
VISA INC COM CL A 92826C839 1,008 4,753 SH   SOLE   356 0 4,397
WALMART INC COM 931142103 558 4,108 SH   SOLE   0 0 4,108
WELLS FARGO CO NEW COM 949746101 868 22,209 SH   SOLE   0 0 22,209
WELLS FARGO CO NEW COM 949746101 78 2,000 SH Call SOLE   0 0 2,000
WISDOMTREE TR EMER MKT HIGH FD 97717W315 42,365 955,102 SH   SOLE   137,082 0 818,020
WORKDAY INC CL A 98138H101 316 1,270 SH   SOLE   0 0 1,270