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 2,062 12,875 SH   SOLE   12,814 0 60
ABBOTT LABS COM COM 002824100 2,193 20,152 SH   SOLE   20,060 0 92
ABBVIE INC COM COM 00287Y109 1,891 21,587 SH   SOLE   21,486 0 101
ABERDEEN STANDARD PHYSICAL GOLD SHARES ETF PHYSCL GOLD SHS 00326A104 1,850 101,914 SH   SOLE   101,914 0 0
ABIOMED INC COM COM 003654100 2,069 7,466 SH   SOLE   7,466 0 0
ADVANCED MICRO DEVICES INC COM COM 007903107 1,995 24,331 SH   SOLE   24,331 0 0
ALPHABET INC CAP STK CL C CL C 02079K107 1,821 1,239 SH   SOLE   1,235 0 4
AMAZON COM INC COM COM 023135106 4,783 1,519 SH   SOLE   1,517 0 2
AMERICAN EXPRESS CO COM COM 025816109 1,819 18,147 SH   SOLE   18,079 0 68
ANALOG DEVICES INC COM COM 032654105 1,841 15,767 SH   SOLE   15,708 0 59
ANTHEM INC COM COM 036752103 1,693 6,304 SH   SOLE   6,280 0 24
APPLE INC COM SPONSORED ADR 037833100 5,279 45,581 SH   SOLE   45,581 0 0
ASTRAZENECA PLC SPONSORED ADR COM 046353108 1,947 35,535 SH   SOLE   35,372 0 163
AT&T INC COM COM 00206R102 1,851 64,938 SH   SOLE   64,639 0 298
AUTOMATIC DATA PROCESSING INC COM COM 053015103 1,836 13,165 SH   SOLE   13,105 0 60
BLACKROCK INC COM COM 09247X101 3,869 6,865 SH   SOLE   6,836 0 29
CARMAX INC COM COM 143130102 1,829 19,902 SH   SOLE   19,827 0 75
CISCO SYS INC COM COM 17275R102 1,737 44,094 SH   SOLE   43,890 0 203
CLOROX CO DEL COM CL A 189054109 1,908 9,076 SH   SOLE   9,034 0 42
COMCAST CORP NEW CL A COM 20030N101 2,054 44,392 SH   SOLE   44,224 0 168
COSTCO WHSL CORP NEW COM COM 22160K105 2,335 6,578 SH   SOLE   6,553 0 25
DISNEY WALT CO COM DISNEY COM DISNEY 254687106 1,830 14,745 SH   SOLE   14,690 0 55
EVERSOURCE ENERGY COM COM 30040W108 285 3,417 SH   SOLE   3,417 0 0
EXXON MOBIL CORP COM COM 30231G102 1,494 43,509 SH   SOLE   43,316 0 192
FACEBOOK INC CL A CL A 30303M102 2,062 7,874 SH   SOLE   7,845 0 29
FRANCO NEV CORP COM COM 351858105 261 1,870 SH   SOLE   1,870 0 0
FS KKR CAP CORP II COM COM 35952V303 3,203 217,738 SH   SOLE   217,738 0 0
FS KKR CAPITAL CORP COM COM 302635206 688 43,371 SH   SOLE   43,371 0 0
GENUINE PARTS CO COM COM 372460105 2,324 24,424 SH   SOLE   24,308 0 116
INTEL CORP COM COM 458140100 1,687 32,587 SH   SOLE   32,441 0 146
INTERNATIONAL PAPER CO COM COM 460146103 2,279 56,211 SH   SOLE   55,949 0 262
INVESCO QQQ TRUST UNIT SER 1 46090E103 26,223 94,380 SH   SOLE   94,202 0 178
IQVIA HLDGS INC COM COM 46266C105 1,938 12,292 SH   SOLE   12,246 0 46
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 4,393 80,777 SH   SOLE   80,534 0 243
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 3,819 45,522 SH   SOLE   45,521 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 3,820 28,360 SH   SOLE   28,359 0 0
JOHNSON & JOHNSON COM COM 478160104 1,925 12,931 SH   SOLE   12,872 0 58
JPMORGAN CHASE & CO COM COM 46625H100 3,722 38,665 SH   SOLE   38,501 0 164
KIMBERLY CLARK CORP COM COM 494368103 2,018 13,667 SH   SOLE   13,604 0 63
KROGER CO COM COM 501044101 1,918 56,576 SH   SOLE   56,315 0 260
L BRANDS INC COM COM 501797104 2,189 68,830 SH   SOLE   68,830 0 0
LOWES COS INC COM COM 548661107 2,327 14,027 SH   SOLE   13,974 0 53
MADISON COVERED CALL & EQUITY COM COM 557437100 117 19,621 SH   SOLE   19,621 0 0
MASTERCARD INCORPORATED CL A CL A 57636Q104 2,082 6,158 SH   SOLE   6,136 0 22
MCDONALDS CORP COM COM 580135101 2,236 10,185 SH   SOLE   10,137 0 48
MERCK & CO. INC COM COM 58933Y105 2,020 24,348 SH   SOLE   24,235 0 113
METLIFE INC COM COM 59156R108 2,042 54,926 SH   SOLE   54,669 0 256
MICROSOFT CORP COM COM 594918104 4,205 19,994 SH   SOLE   19,910 0 84
NVIDIA CORPORATION COM COM 67066G104 2,522 4,659 SH   SOLE   4,659 0 0
OREILLY AUTOMOTIVE INC COM COM 67103H107 1,925 4,175 SH   SOLE   4,159 0 16
PAYPAL HLDGS INC COM COM 70450Y103 2,218 11,259 SH   SOLE   11,259 0 0
PEPSICO INC COM COM 713448108 2,044 14,747 SH   SOLE   14,695 0 52
PHILLIPS 66 COM COM 718546104 1,341 25,875 SH   SOLE   25,761 0 114
PPL CORP COM COM 69351T106 2,033 74,708 SH   SOLE   74,359 0 348
PROCTER AND GAMBLE CO COM COM 742718109 2,336 16,804 SH   SOLE   16,728 0 76
QUALCOMM INC COM COM 747525103 2,678 22,760 SH   SOLE   22,650 0 109
RAYTHEON TECHNOLOGIES CORP COM COM 75513E101 3,448 59,926 SH   SOLE   59,670 0 255
REAL ESTATE SELECT SECTOR SPDR FUND RL EST SEL SEC 81369Y860 682 19,331 SH   SOLE   18,872 0 459
ROYAL GOLD INC COM COM 780287108 231 1,923 SH   SOLE   1,923 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 492 18,372 SH   SOLE   17,850 0 522
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 28,148 896,433 SH   SOLE   886,989 0 9,443
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 1,549 30,072 SH   SOLE   29,614 0 458
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 25,101 315,186 SH   SOLE   312,643 0 2,542
SCHWAB U.S. LARGE-CAP ETF US LRG CAP ETF 808524201 42,774 530,501 SH   SOLE   525,201 0 5,300
SCHWAB U.S. LARGE-CAP GROWTH ETF US LCAP GR ETF 808524300 9,524 82,693 SH   SOLE   82,693 0 0
SCHWAB U.S. MID-CAP ETF US MID-CAP ETF 808524508 24,200 436,201 SH   SOLE   432,677 0 3,523
SCHWAB U.S. SMALL-CAP ETF US SML CAP ETF 808524607 690 10,094 SH   SOLE   9,898 0 196
SCHWAB U.S. TIPS ETF US TIPS ETF 808524870 938 15,221 SH   SOLE   14,921 0 300
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 23,896 432,111 SH   SOLE   428,643 0 3,468
SOUTHERN CO COM COM 842587107 1,904 35,114 SH   SOLE   34,954 0 160
SPDR GOLD SHARES GOLD SHS 78463V107 231 1,305 SH   SOLE   1,305 0 0
SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 9,079 158,205 SH   SOLE   158,205 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 597 1,782 SH   SOLE   1,782 0 0
STARBUCKS CORP COM COM 855244109 2,125 24,732 SH   SOLE   24,617 0 115
TARGET CORP COM COM 87612E106 2,433 15,453 SH   SOLE   15,380 0 73
TESLA INC COM COM 88160R101 318 741 SH   SOLE   741 0 0
TEXAS INSTRS INC COM COM 882508104 2,300 16,106 SH   SOLE   16,030 0 76
UNILEVER PLC SPON ADR NEW SPON ADR NEW 904767704 2,228 36,118 SH   SOLE   35,949 0 168
UNITED PARCEL SERVICE INC CL B CL B 911312106 3,188 19,131 SH   SOLE   19,037 0 93
UNITEDHEALTH GROUP INC COM COM 91324P102 1,853 5,942 SH   SOLE   5,920 0 22
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 20,876 223,324 SH   SOLE   220,628 0 2,696
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 2,668 32,199 SH   SOLE   32,199 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 355 5,973 SH   SOLE   5,973 0 0
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 1,661 46,253 SH   SOLE   46,041 0 211
WALMART INC COM COM 931142103 2,137 15,271 SH   SOLE   15,200 0 71
WASTE MGMT INC DEL COM COM 94106L109 2,178 19,247 SH   SOLE   19,159 0 87