3M CO COM COM 88579Y101 2062 12875 SH SOLE 12814 0 60 ABBOTT LABS COM COM 002824100 2193 20152 SH SOLE 20060 0 92 ABBVIE INC COM COM 00287Y109 1891 21587 SH SOLE 21486 0 101 ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 1850 101914 SH SOLE 101914 0 0 ABIOMED INC COM COM 003654100 2069 7466 SH SOLE 7466 0 0 ADVANCED MICRO DEVICES INC COM COM 007903107 1995 24331 SH SOLE 24331 0 0 ALPHABET INC CAP STK CL C CL C 02079K107 1821 1239 SH SOLE 1235 0 4 AMAZON COM INC COM COM 023135106 4783 1519 SH SOLE 1517 0 2 AMERICAN EXPRESS CO COM COM 025816109 1819 18147 SH SOLE 18079 0 68 ANALOG DEVICES INC COM COM 032654105 1841 15767 SH SOLE 15708 0 59 ANTHEM INC COM COM 036752103 1693 6304 SH SOLE 6280 0 24 APPLE INC COM SPONSORED ADR 037833100 5279 45581 SH SOLE 45581 0 0 ASTRAZENECA PLC SPONSORED ADR COM 046353108 1947 35535 SH SOLE 35372 0 163 AT&T INC COM COM 00206R102 1851 64938 SH SOLE 64639 0 298 AUTOMATIC DATA PROCESSING INC COM COM 053015103 1836 13165 SH SOLE 13105 0 60 BLACKROCK INC COM COM 09247X101 3869 6865 SH SOLE 6836 0 29 CARMAX INC COM COM 143130102 1829 19902 SH SOLE 19827 0 75 CISCO SYS INC COM COM 17275R102 1737 44094 SH SOLE 43890 0 203 CLOROX CO DEL COM CL A 189054109 1908 9076 SH SOLE 9034 0 42 COMCAST CORP NEW CL A COM 20030N101 2054 44392 SH SOLE 44224 0 168 COSTCO WHSL CORP NEW COM COM 22160K105 2335 6578 SH SOLE 6553 0 25 DISNEY WALT CO COM DISNEY COM DISNEY 254687106 1830 14745 SH SOLE 14690 0 55 EVERSOURCE ENERGY COM COM 30040W108 285 3417 SH SOLE 3417 0 0 EXXON MOBIL CORP COM COM 30231G102 1494 43509 SH SOLE 43316 0 192 FACEBOOK INC CL A CL A 30303M102 2062 7874 SH SOLE 7845 0 29 FRANCO NEV CORP COM COM 351858105 261 1870 SH SOLE 1870 0 0 FS KKR CAP CORP II COM COM 35952V303 3203 217738 SH SOLE 217738 0 0 FS KKR CAPITAL CORP COM COM 302635206 688 43371 SH SOLE 43371 0 0 GENUINE PARTS CO COM COM 372460105 2324 24424 SH SOLE 24308 0 116 INTEL CORP COM COM 458140100 1687 32587 SH SOLE 32441 0 146 INTERNATIONAL PAPER CO COM COM 460146103 2279 56211 SH SOLE 55949 0 262 INVESCO QQQ TRUST UNIT SER 1 46090E103 26223 94380 SH SOLE 94202 0 178 IQVIA HLDGS INC COM COM 46266C105 1938 12292 SH SOLE 12246 0 46 ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 4393 80777 SH SOLE 80534 0 243 ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 3819 45522 SH SOLE 45521 0 0 ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 3820 28360 SH SOLE 28359 0 0 JOHNSON & JOHNSON COM COM 478160104 1925 12931 SH SOLE 12872 0 58 JPMORGAN CHASE & CO COM COM 46625H100 3722 38665 SH SOLE 38501 0 164 KIMBERLY CLARK CORP COM COM 494368103 2018 13667 SH SOLE 13604 0 63 KROGER CO COM COM 501044101 1918 56576 SH SOLE 56315 0 260 L BRANDS INC COM COM 501797104 2189 68830 SH SOLE 68830 0 0 LOWES COS INC COM COM 548661107 2327 14027 SH SOLE 13974 0 53 MADISON COVERED CALL & EQUITY COM COM 557437100 117 19621 SH SOLE 19621 0 0 MASTERCARD INCORPORATED CL A CL A 57636Q104 2082 6158 SH SOLE 6136 0 22 MCDONALDS CORP COM COM 580135101 2236 10185 SH SOLE 10137 0 48 MERCK & CO. INC COM COM 58933Y105 2020 24348 SH SOLE 24235 0 113 METLIFE INC COM COM 59156R108 2042 54926 SH SOLE 54669 0 256 MICROSOFT CORP COM COM 594918104 4205 19994 SH SOLE 19910 0 84 NVIDIA CORPORATION COM COM 67066G104 2522 4659 SH SOLE 4659 0 0 OREILLY AUTOMOTIVE INC COM COM 67103H107 1925 4175 SH SOLE 4159 0 16 PAYPAL HLDGS INC COM COM 70450Y103 2218 11259 SH SOLE 11259 0 0 PEPSICO INC COM COM 713448108 2044 14747 SH SOLE 14695 0 52 PHILLIPS 66 COM COM 718546104 1341 25875 SH SOLE 25761 0 114 PPL CORP COM COM 69351T106 2033 74708 SH SOLE 74359 0 348 PROCTER AND GAMBLE CO COM COM 742718109 2336 16804 SH SOLE 16728 0 76 QUALCOMM INC COM COM 747525103 2678 22760 SH SOLE 22650 0 109 RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 3448 59926 SH SOLE 59670 0 255 REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 682 19331 SH SOLE 18872 0 459 ROYAL GOLD INC COM COM 780287108 231 1923 SH SOLE 1923 0 0 SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 492 18372 SH SOLE 17850 0 522 SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 28148 896433 SH SOLE 886989 0 9443 SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1549 30072 SH SOLE 29614 0 458 SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 25101 315186 SH SOLE 312643 0 2542 SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 42774 530501 SH SOLE 525201 0 5300 SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 9524 82693 SH SOLE 82693 0 0 SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 24200 436201 SH SOLE 432677 0 3523 SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 690 10094 SH SOLE 9898 0 196 SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 938 15221 SH SOLE 14921 0 300 SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 23896 432111 SH SOLE 428643 0 3468 SOUTHERN CO COM COM 842587107 1904 35114 SH SOLE 34954 0 160 SPDR GOLD SHARES GOLD SHS 78463V107 231 1305 SH SOLE 1305 0 0 SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 9079 158205 SH SOLE 158205 0 0 SPDR S&P 500 ETF TR UNIT 78462F103 597 1782 SH SOLE 1782 0 0 STARBUCKS CORP COM COM 855244109 2125 24732 SH SOLE 24617 0 115 TARGET CORP COM COM 87612E106 2433 15453 SH SOLE 15380 0 73 TESLA INC COM COM 88160R101 318 741 SH SOLE 741 0 0 TEXAS INSTRS INC COM COM 882508104 2300 16106 SH SOLE 16030 0 76 UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2228 36118 SH SOLE 35949 0 168 UNITED PARCEL SERVICE INC CL B CL B 911312106 3188 19131 SH SOLE 19037 0 93 UNITEDHEALTH GROUP INC COM COM 91324P102 1853 5942 SH SOLE 5920 0 22 VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 20876 223324 SH SOLE 220628 0 2696 VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 2668 32199 SH SOLE 32199 0 0 VERIZON COMMUNICATIONS INC COM COM 92343V104 355 5973 SH SOLE 5973 0 0 WALGREENS BOOTS ALLIANCE INC COM COM 931427108 1661 46253 SH SOLE 46041 0 211 WALMART INC COM COM 931142103 2137 15271 SH SOLE 15200 0 71 WASTE MGMT INC DEL COM COM 94106L109 2178 19247 SH SOLE 19159 0 87