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 363 2,075 SH   SOLE   0 0 2,075
A T & T INC NEW COM 00206R102 950 33,038 SH   SOLE   0 0 33,038
ABBOTT LABORATORIES COM 002824100 1,925 17,582 SH   SOLE   0 0 17,582
ABBVIE INC COM 00287Y109 1,615 15,073 SH   SOLE   0 0 15,073
ADVANCED MICRO DEVICES INC COM 007903107 483 5,264 SH   SOLE   0 0 5,264
ALLSTATE CORP COM 020002101 673 6,122 SH   SOLE   0 0 6,122
AMAZON COM INC COM 023135106 6,345 1,948 SH   SOLE   0 0 1,948
AMGEN INC COM 031162100 334 1,451 SH   SOLE   0 0 1,451
APPLE INC COM 037833100 25,610 193,004 SH   SOLE   0 0 193,004
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 208 2,724 SH   SOLE   0 0 2,724
AUTODESK INC COM 052769106 452 1,480 SH   SOLE   0 0 1,480
BANK AMER CORP COM 060505104 374 12,352 SH   SOLE   0 0 12,352
BAXTER INTERNATIONAL INC COM 071813109 361 4,498 SH   SOLE   0 0 4,498
BECTON DICKINSON & CO COM 075887109 240 958 SH   SOLE   0 0 958
BERKSHIRE HATHAWAY B NEW CLASS B COM 084670207 3,256 14,042 SH   SOLE   0 0 14,042
BOEING CO COM 097023105 298 1,391 SH   SOLE   0 0 1,391
BRISTOL MYERS SQUIBB CO COM 110122108 406 6,551 SH   SOLE   0 0 6,551
CAPITAL ONE FINL CORP COM 14040H105 4,986 50,441 SH   SOLE   0 0 50,441
CBOE HLDGS INC COM 12503M108 235 2,520 SH   SOLE   0 0 2,520
CF INDS HLDGS INC COM 125269100 203 5,241 SH   SOLE   0 0 5,241
CISCO SYS INC COM 17275R102 480 10,719 SH   SOLE   0 0 10,719
CME GROUP INC CL A CLASS A COM 12572Q105 1,025 5,630 SH   SOLE   0 0 5,630
COCA COLA COMPANY COM 191216100 592 10,793 SH   SOLE   0 0 10,793
CONSOLIDATED EDISON INC COM 209115104 290 4,010 SH   SOLE   0 0 4,010
COPART INC COM 217204106 255 2,000 SH   SOLE   0 0 2,000
COSTCO WHSL CORP NEW COM 22160K105 1,387 3,680 SH   SOLE   0 0 3,680
DANAHER CORP COM 235851102 264 1,188 SH   SOLE   0 0 1,188
DEER & CO COM 244199105 618 2,297 SH   SOLE   0 0 2,297
DISNEY WALT CO COM DISNEY 254687106 1,668 9,207 SH   SOLE   0 0 9,207
DOMINION ENERGY INC COM 25746U109 350 4,648 SH   SOLE   0 0 4,648
ECOLAB INC COM 278865100 247 1,143 SH   SOLE   0 0 1,143
EDWARDS LIFESCIENCES CORP COM 28176E108 296 3,242 SH   SOLE   0 0 3,242
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 269 4,680 SH   SOLE   0 0 4,680
EXXON MOBIL CORPORATION COM 30231G102 437 10,610 SH   SOLE   0 0 10,610
FACEBOOK INC CL A 30303M102 1,205 4,413 SH   SOLE   0 0 4,413
FASTLY INC CL A 31188V100 410 4,687 SH   SOLE   0 0 4,687
GENERAL ELECTRIC COMPANY COM 369604103 119 11,016 SH   SOLE   0 0 11,016
GOOGLE INC CL C 38259P706 2,607 1,488 SH   SOLE   0 0 1,488
GOOGLE INC CL A 38259P508 485 277 SH   SOLE   0 0 277
HERSHEY CO CL A 427866108 256 1,680 SH   SOLE   0 0 1,680
HOME DEPOT INC COM 437076102 796 2,995 SH   SOLE   0 0 2,995
ILLINOIS TOOL WKS INC COM 452308109 714 3,503 SH   SOLE   0 0 3,503
INTEL CORP COM 458140100 536 10,763 SH   SOLE   0 0 10,763
INTL BUSINESS MACHINES COM 459200101 206 1,633 SH   SOLE   0 0 1,633
ISHARES CORE S&P500 ETF 464287200 1,785 4,755 SH   SOLE   0 0 4,755
ISHARES RUSSELL1000GRW 464287614 36,339 150,697 SH   SOLE   0 0 150,697
ISHARES RUSSELL1000VAL 464287598 34,188 250,044 SH   SOLE   0 0 250,044
ISHARES RUSSELL MCP VL 464287473 944 9,740 SH   SOLE   0 0 9,740
ISHARES RUSSELL MIDCAP 464287499 2,783 40,602 SH   SOLE   0 0 40,602
iSHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 280 4,515 SH   SOLE   0 0 4,515
ISHARES GOLD TRUST ISHARES 464285105 59,722 3,294,124 SH   SOLE   0 0 3,294,124
iSHARES TR CORE S&P MCP ETF 464287507 714 3,106 SH   SOLE   0 0 3,106
ISHARES TR MSCI INDIA ETF 46429B598 205 5,100 SH   SOLE   0 0 5,100
ISHARES TR RUS 1000 ETF 464287622 256 1,210 SH   SOLE   0 0 1,210
ISHARES TR RUS MD CP GR ETF 464287481 1,057 10,300 SH   SOLE   0 0 10,300
JOHNSON & JOHNSON COM 478160104 935 5,940 SH   SOLE   0 0 5,940
JPMORGAN CHASE & CO COM 46625H100 719 5,657 SH   SOLE   0 0 5,657
LILLY ELI & CO COM 532457108 265 1,570 SH   SOLE   0 0 1,570
MC DONALDS CORP COM 580135101 2,107 9,820 SH   SOLE   0 0 9,820
MERCK & CO INC NEW COM 58933Y105 698 8,534 SH   SOLE   0 0 8,534
MICROSOFT CORP COM 594918104 6,143 27,621 SH   SOLE   0 0 27,621
MODERNA INC COM 60770K107 245 2,342 SH   SOLE   0 0 2,342
NETFLIX INC COM 64110L106 635 1,175 SH   SOLE   0 0 1,175
NVIDIA CORP COM 67066G104 847 1,621 SH   SOLE   0 0 1,621
OKTA INC CL A 679295105 268 1,055 SH   SOLE   0 0 1,055
ORACLE CORPORATION COM 68389X105 1,732 26,780 SH   SOLE   0 0 26,780
PEPSICO INCORPORATED COM 713448108 1,137 7,670 SH   SOLE   0 0 7,670
PFIZER INCORPORATED COM 717081103 1,256 34,111 SH   SOLE   0 0 34,111
PHILIP MORRIS INTL INC COM 718172109 201 2,427 SH   SOLE   0 0 2,427
PINTEREST INC CL A 72352L106 212 3,222 SH   SOLE   0 0 3,222
PNC FINL SVCS GROUP INC COM 693475105 203 1,365 SH   SOLE   0 0 1,365
ROKU INC COM CL A 77543R102 305 919 SH   SOLE   0 0 919
POWERSHS QQQ TRUST SER 1 UNIT SER 1 73935A104 5,337 17,009 SH   SOLE   0 0 17,009
PROCTER & GAMBLE COM 742718109 706 5,073 SH   SOLE   0 0 5,073
PTC THERAPEUTICS INC COM 69366J200 391 6,413 SH   SOLE   0 0 6,413
QUALCOMM INC COM 747525103 692 4,541 SH   SOLE   0 0 4,541
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 17,700 297,330 SH   SOLE   0 0 297,330
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 19,753 153,826 SH   SOLE   0 0 153,826
SCHWAB STRATEGIC TR US DIV EQT ETF 808524797 1,112 17,340 SH   SOLE   0 0 17,340
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 28,111 412,310 SH   SOLE   0 0 412,310
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 248 1,906 SH   SOLE   0 0 1,906
SHOPIFY INC CL A 82509L107 2,547 2,250 SH   SOLE   0 0 2,250
SOUTHERN CO COM 842587107 228 3,710 SH   SOLE   0 0 3,710
SPDR GOLD TRUST SPDR GOLD SHARES GOLD SHS 78463V107 7,154 40,110 SH   SOLE   0 0 40,110
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 204 4,598 SH   SOLE   0 0 4,598
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,883 26,433 SH   SOLE   0 0 26,433
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 650 6,141 SH   SOLE   0 0 6,141
STARBUCKS CORP COM 855244109 239 2,236 SH   SOLE   0 0 2,236
TESLA INC COM 88160R101 3,150 4,464 SH   SOLE   0 0 4,464
THE TRADE DESK INC COM CL A 88339J105 270 337 SH   SOLE   0 0 337
UNITED PARCEL SERVICE INC CL B 911312106 257 1,526 SH   SOLE   0 0 1,526
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 411 4,958 SH   SOLE   0 0 4,958
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 287 4,897 SH   SOLE   0 0 4,897
VANGUARD DIV APPRCIATION DIV APP ETF 921908844 1,026 7,266 SH   SOLE   0 0 7,266
VANGUARD INDEX FDS VALUE ETF 922908744 39,002 327,857 SH   SOLE   0 0 327,857
VANGUARD INDEX FDS TOTAL STK MKT 922908769 20,143 103,487 SH   SOLE   0 0 103,487
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,788 66,304 SH   SOLE   0 0 66,304
VANGUARD INDEX FDS GROWTH ETF 922908736 29,628 116,949 SH   SOLE   0 0 116,949
VANGUARD INDEX FDS MID CAP ETF 922908629 39,050 188,859 SH   SOLE   0 0 188,859
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,240 32,052 SH   SOLE   0 0 32,052
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 926 7,783 SH   SOLE   0 0 7,783
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 216 4,318 SH   SOLE   0 0 4,318
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 27,131 109,485 SH   SOLE   0 0 109,485
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,287 111,999 SH   SOLE   0 0 111,999
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 549 2,452 SH   SOLE   0 0 2,452
VERIZON COMMUNICATIONS COM 92343V104 1,015 17,277 SH   SOLE   0 0 17,277
VISA INC COM CL A 92826C839 390 1,781 SH   SOLE   0 0 1,781
WALGREENS BOOTS ALLIANCE INC COM 031427108 697 17,476 SH   SOLE   0 0 17,476
WAL MART STORES INC COM 931142103 281 1,947 SH   SOLE   0 0 1,947
WILLIAMS SONOMA INC COM 969904101 3,997 39,250 SH   SOLE   0 0 39,250
WISDOMTREE TRUST DIV EX-FINL FD 97717W406 1,879 22,445 SH   SOLE   0 0 22,445
WISDOMTREE TRUST LARGECAP DIVID 97717W307 2,743 25,520 SH   SOLE   0 0 25,520