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 COM 88579Y101 1,163 8,517 SH   SOLE   8,478 0 39
ABBOTT LABS COM COM 002824100 1,209 15,321 SH   SOLE   15,253 0 67
ABBVIE INC COM COM 00287Y109 1,171 15,373 SH   SOLE   15,302 0 71
ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 1,211 79,945 SH   SOLE   79,945 0 0
ALMADEN MINERALS LTD COM CL B COM CL B 020283305 6 20,000 SH   SOLE   20,000 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 2,242 1,928 SH   SOLE   1,920 0 8
AMAZON COM INC COM COM 023135106 3,014 1,546 SH   SOLE   1,541 0 5
AMERICAN EXPRESS CO COM COM 025816109 433 5,054 SH   SOLE   5,035 0 19
ANALOG DEVICES INC COM COM 032654105 454 5,069 SH   SOLE   5,050 0 19
ANTHEM INC COM COM 036752103 459 2,022 SH   SOLE   2,014 0 8
APPLE INC COM SPONSORED ADR 037833100 1,898 7,464 SH   SOLE   7,464 0 0
ASTRAZENECA PLC SPONSORED ADR COM 046353108 1,219 27,288 SH   SOLE   27,167 0 121
AT&T INC COM COM 00206R102 1,133 38,883 SH   SOLE   38,705 0 178
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,133 8,288 SH   SOLE   8,249 0 39
BLACKROCK INC COM COM 09247X101 1,478 3,359 SH   SOLE   3,344 0 15
CARMAX INC COM COM 143130102 409 7,596 SH   SOLE   7,567 0 29
CISCO SYS INC COM COM 17275R102 1,133 28,830 SH   SOLE   28,697 0 133
CLOROX CO DEL COM CL A 189054109 1,138 6,566 SH   SOLE   6,536 0 30
COMCAST CORP NEW CL A COM 20030N101 444 12,910 SH   SOLE   12,859 0 51
COSTCO WHSL CORP NEW COM COM 22160K105 1,881 6,597 SH   SOLE   6,572 0 25
DIREXION NASDAQ-100 EQUAL WEIGHTED INDEX SHARES NAS100 EQL WGT 25459Y207 4,245 91,319 SH   SOLE   91,319 0 0
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 433 4,482 SH   SOLE   4,465 0 17
EVERSOURCE ENERGY COM COM 30040W108 267 3,417 SH   SOLE   3,417 0 0
EXXON MOBIL CORP COM COM 30231G102 1,181 31,116 SH   SOLE   30,973 0 143
FACEBOOK INC CL A CL A 30303M102 479 2,871 SH   SOLE   2,860 0 11
FS KKR CAPITAL CORP COM COM 302635107 534 177,839 SH   SOLE   177,839 0 0
GENUINE PARTS CO COM COM 372460105 1,174 17,432 SH   SOLE   17,352 0 80
INTEL CORP COM COM 458140100 1,176 21,731 SH   SOLE   21,633 0 97
INTL PAPER CO COM COM 460146103 1,162 37,325 SH   SOLE   37,153 0 172
INVESCO EMERGING MARKETS SOVEREIGN DEBT ETF EMRNG MKT SVRG 46138E784 1,336 55,881 SH   SOLE   55,881 0 0
IQVIA HLDGS INC COM COM 46266C105 454 4,210 SH   SOLE   4,194 0 16
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 1,463 11,843 SH   SOLE   11,843 0 0
JOHNSON & JOHNSON COM COM 478160104 1,188 9,062 SH   SOLE   9,022 0 40
JPMORGAN CHASE & CO COM COM 46625H100 1,548 17,194 SH   SOLE   17,118 0 76
KIMBERLY CLARK CORP COM COM 494368103 1,155 9,035 SH   SOLE   8,995 0 40
KROGER CO COM COM 501044101 1,181 39,223 SH   SOLE   39,043 0 180
LOWES COS INC COM COM 548661107 461 5,362 SH   SOLE   5,341 0 21
MADISON COVERED CALL & EQUITY COM COM 557437100 96 18,971 SH   SOLE   18,971 0 0
MASTERCARD INC CL A CL A 57636Q104 2,185 9,045 SH   SOLE   9,010 0 34
MCDONALDS CORP COM COM 580135101 1,116 6,751 SH   SOLE   6,720 0 31
MERCK & CO. INC COM COM 58933Y105 1,152 14,969 SH   SOLE   14,900 0 69
METLIFE INC COM COM 59156R108 1,130 36,957 SH   SOLE   36,787 0 170
MICROSOFT CORP COM COM 594918104 1,665 10,557 SH   SOLE   10,512 0 45
O REILLY AUTOMOTIVE INC NEW COM COM 67103H107 420 1,396 SH   SOLE   1,391 0 5
PEPSICO INC COM COM 713448108 606 5,047 SH   SOLE   5,032 0 15
PHILLIPS 66 COM COM 718546104 1,165 21,720 SH   SOLE   21,621 0 99
PPL CORP COM COM 69351T106 1,123 45,510 SH   SOLE   45,300 0 210
PROCTER & GAMBLE CO COM COM 742718109 1,235 11,230 SH   SOLE   11,183 0 47
QUALCOMM INC COM COM 747525103 1,126 16,643 SH   SOLE   16,566 0 77
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 1,545 16,375 SH   SOLE   16,302 0 73
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 11,588 448,448 SH   SOLE   445,117 0 3,331
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 11,690 193,449 SH   SOLE   192,034 0 1,415
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 15,909 259,734 SH   SOLE   258,335 0 1,399
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 4,236 53,178 SH   SOLE   53,178 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 4,071 91,964 SH   SOLE   91,964 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 15,275 362,312 SH   SOLE   359,459 0 2,853
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 11,789 262,085 SH   SOLE   260,162 0 1,923
SOUTHERN CO COM COM 842587107 1,101 20,329 SH   SOLE   20,237 0 92
SPDR S&P 500 ETF TR UNIT 78462F103 523 2,031 SH   SOLE   2,031 0 0
STARBUCKS CORP COM COM 855244109 1,132 17,221 SH   SOLE   17,142 0 79
TARGET CORP COM COM 87612E106 1,101 11,846 SH   SOLE   11,791 0 55
TEXAS INSTRS INC COM COM 882508104 1,115 11,160 SH   SOLE   11,108 0 52
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 1,183 23,398 SH   SOLE   23,292 0 106
UNITED PARCEL SERVICE INC CL B CL B 911312106 1,123 12,025 SH   SOLE   11,970 0 55
UNITEDHEALTH GROUP INC COM COM 91324P102 450 1,806 SH   SOLE   1,799 0 7
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 252 1,952 SH   SOLE   1,952 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 321 5,972 SH   SOLE   5,972 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 1,163 25,412 SH   SOLE   25,294 0 118
WALMART INC COM COM 931142103 1,156 10,170 SH   SOLE   10,123 0 47
WASTE MGMT INC DEL COM COM 94106L109 1,206 13,025 SH   SOLE   12,968 0 57