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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR MSCI USA ESG SLC 464288802   260 1,943 SH   SOLE   0 0 1,943
UNION PAC CORP COM 907818108   1,218 7,204 SH   SOLE   0 0 7,204
PHILIP MORRIS INTL INC COM 718172109   1,114 15,895 SH   SOLE   0 0 15,895
COLONY CAP INC NEW CL A COM 19626G108   54 22,668 SH   SOLE   0 0 22,668
ISHARES TR RUSSELL 3000 ETF 464287689   2,305 12,801 SH   SOLE   0 0 12,801
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   248 7,545 SH   SOLE   0 0 7,545
ISHARES TR MSCI EAFE ETF 464287465   2,099 34,484 SH   SOLE   0 0 34,484
CHEVRON CORP NEW COM 166764100   3,830 42,923 SH   SOLE   0 0 42,923
ISHARES TR EAFE VALUE ETF 464288877   24,994 625,307 SH   SOLE   0 0 625,307
3M CO COM 88579Y101   2,046 13,116 SH   SOLE   0 0 13,116
SCHWAB CHARLES CORP COM 808513105   360 10,666 SH   SOLE   0 0 10,666
EDWARDS LIFESCIENCES CORP COM 28176E108   214 3,090 SH   SOLE   0 0 3,090
JOHNSON & JOHNSON COM 478160104   8,355 59,412 SH   SOLE   0 0 59,412
NUVEEN MISSOURI QLT MUN INC COM 67060Q108   211 15,695 SH   SOLE   0 0 15,695
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   439 4,390 SH   SOLE   0 0 4,390
CONSOLIDATED EDISON INC COM 209115104   315 4,384 SH   SOLE   0 0 4,384
YUM BRANDS INC COM 988498101   364 4,194 SH   SOLE   0 0 4,194
AMPIO PHARMACEUTICALS INC COM 03209T109   10 16,080 SH   SOLE   0 0 16,080
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   523 9,262 SH   SOLE   0 0 9,262
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   926 8,858 SH   SOLE   0 0 8,858
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749   345 8,835 SH   SOLE   0 0 8,835
PIMCO MUN INCOME FD II COM 72200W106   444 33,000 SH   SOLE   0 0 33,000
LILLY ELI & CO COM 532457108   991 6,036 SH   SOLE   0 0 6,036
VANGUARD INDEX FDS GROWTH ETF 922908736   6,200 30,682 SH   SOLE   0 0 30,682
AMERICAN TOWER CORP NEW COM 03027X100   1,675 6,479 SH   SOLE   0 0 6,479
TESLA INC COM 88160R101   1,748 1,619 SH   SOLE   0 0 1,619
NEWPARK RES INC COM PAR $.01NEW 651718504   267 119,833 SH   SOLE   0 0 119,833
AT&T INC COM 00206R102   3,931 130,030 SH   SOLE   0 0 130,030
VANGUARD BD INDEX FDS INTERMED TERM 921937819   47,529 510,021 SH   SOLE   0 0 510,021
BK OF AMERICA CORP COM 060505104   1,993 83,930 SH   SOLE   0 0 83,930
AGILENT TECHNOLOGIES INC COM 00846U101   218 2,462 SH   SOLE   0 0 2,462
COSTCO WHSL CORP NEW COM 22160K105   1,091 3,599 SH   SOLE   0 0 3,599
ISHARES TR 1 3 YR TREAS BD 464287457   7,193 83,048 SH   SOLE   0 0 83,048
ISHARES TR PFD AND INCM SEC 464288687   260 7,511 SH   SOLE   0 0 7,511
MCCORMICK & CO INC COM NON VTG 579780206   567 3,158 SH   SOLE   0 0 3,158
SENSIENT TECHNOLOGIES CORP COM 81725T100   239 4,581 SH   SOLE   0 0 4,581
ORACLE CORP COM 68389X105   1,370 24,793 SH   SOLE   0 0 24,793
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   244 10,279 SH   SOLE   0 0 10,279
DIAGEO P L C SPON ADR NEW 25243Q205   426 3,172 SH   SOLE   0 0 3,172
ATLANTIC CAP BANCSHARES INC COM 048269203   122 10,000 SH   SOLE   0 0 10,000
ANNALY CAPITAL MANAGEMENT IN COM 035710409   134 20,383 SH   SOLE   0 0 20,383
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   936 20,057 SH   SOLE   0 0 20,057
ISHARES TR CORE S&P US VLU 464287663   1,519 29,090 SH   SOLE   0 0 29,090
FORD MTR CO DEL COM 345370860   150 24,613 SH   SOLE   0 0 24,613
AUTOMATIC DATA PROCESSING IN COM 053015103   1,933 12,986 SH   SOLE   0 0 12,986
INVESCO EXCH TRADED FD TR II MSCI GBL TIMBR 46138E545   303 12,331 SH   SOLE   0 0 12,331
ALLSTATE CORP COM 020002101   752 7,755 SH   SOLE   0 0 7,755
ISHARES TR S&P 500 VAL ETF 464287408   4,683 43,280 SH   SOLE   0 0 43,280
FIRSTENERGY CORP COM 337932107   209 5,397 SH   SOLE   0 0 5,397
FIRST TR EXCHANGE TRADED FD DJ GLBL DIVID 33734X200   541 30,090 SH   SOLE   0 0 30,090
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   210 4,054 SH   SOLE   0 0 4,054
WISDOMTREE TR US LARGECAP DIVD 97717W307   344 3,709 SH   SOLE   0 0 3,709
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,390 8,418 SH   SOLE   0 0 8,418
STRYKER CORPORATION COM 863667101   401 2,224 SH   SOLE   0 0 2,224
ISHARES TR MSCI LW CRB TG 46434V464   332 2,745 SH   SOLE   0 0 2,745
ISHARES TR S&P MC 400VL ETF 464287705   361 2,712 SH   SOLE   0 0 2,712
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106   219 5,971 SH   SOLE   0 0 5,971
ROCKWELL AUTOMATION INC COM 773903109   465 2,183 SH   SOLE   0 0 2,183
MARRIOTT INTL INC NEW CL A 571903202   525 6,120 SH   SOLE   0 0 6,120
UNITEDHEALTH GROUP INC COM 91324P102   3,983 13,502 SH   SOLE   0 0 13,502
EXXON MOBIL CORP COM 30231G102   5,517 123,364 SH   SOLE   0 0 123,364
ISHARES TR RUSSELL 2000 ETF 464287655   2,735 19,099 SH   SOLE   0 0 19,099
BLACKROCK MUNIHLDS INVSTM QL COM 09254P108   148 11,475 SH   SOLE   0 0 11,475
ADOBE INC COM 00724F101   785 1,803 SH   SOLE   0 0 1,803
ISHARES TR CORE S&P MCP ETF 464287507   2,125 11,949 SH   SOLE   0 0 11,949
PAYPAL HLDGS INC COM 70450Y103   671 3,853 SH   SOLE   0 0 3,853
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,665 18,292 SH   SOLE   0 0 18,292
KELLOGG CO COM 487836108   308 4,657 SH   SOLE   0 0 4,657
DANAHER CORPORATION COM 235851102   793 4,483 SH   SOLE   0 0 4,483
SPDR SER TR S&P DIVID ETF 78464A763   1,959 21,481 SH   SOLE   0 0 21,481
GENERAL ELECTRIC CO COM 369604103   0 1,000 SH Call SOLE   0 0 1,000
V F CORP COM 918204108   279 4,580 SH   SOLE   0 0 4,580
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   697 14,742 SH   SOLE   0 0 14,742
MARKEL CORP COM 570535104   406 440 SH   SOLE   0 0 440
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   6,924 174,808 SH   SOLE   0 0 174,808
ACTIVISION BLIZZARD INC COM 00507V109   370 4,874 SH   SOLE   0 0 4,874
EXELON CORP COM 30161N101   215 5,923 SH   SOLE   0 0 5,923
ISHARES TR CORE US AGGBD ET 464287226   573 4,846 SH   SOLE   0 0 4,846
AGCO CORP COM 001084102   239 4,305 SH   SOLE   0 0 4,305
TOWNEBANK PORTSMOUTH VA COM 89214P109   1,740 92,348 SH   SOLE   0 0 92,348
SPDR GOLD TR GOLD SHS 78463V107   2,422 14,470 SH   SOLE   0 0 14,470
RIO TINTO PLC SPONSORED ADR 767204100   260 4,622 SH   SOLE   0 0 4,622
MICROSOFT CORP COM 594918104   22,826 112,161 SH   SOLE   0 0 112,161
MCKESSON CORP COM 58155Q103   299 1,951 SH   SOLE   0 0 1,951
VANGUARD INDEX FDS LARGE CAP ETF 922908637   3,122 21,836 SH   SOLE   0 0 21,836
SIRIUS XM HOLDINGS INC COM 82968B103   113 19,306 SH   SOLE   0 0 19,306
AMGEN INC COM 031162100   2,585 10,961 SH   SOLE   0 0 10,961
AUDIOEYE INC COM NEW 050734201   115 11,531 SH   SOLE   0 0 11,531
HERSHEY CO COM 427866108   747 5,763 SH   SOLE   0 0 5,763
NORTHROP GRUMMAN CORP COM 666807102   742 2,414 SH   SOLE   0 0 2,414
TERADYNE INC COM 880770102   253 2,997 SH   SOLE   0 0 2,997
ISHARES TR U.S. REAL ES ETF 464287739   379 4,813 SH   SOLE   0 0 4,813
HI-CRUSH PARTNERS LP COM 428337109   2 10,000 SH   SOLE   0 0 10,000
ISHARES TR CORE S&P500 ETF 464287200   14,390 46,467 SH   SOLE   0 0 46,467
CUMMINS INC COM 231021106   208 1,202 SH   SOLE   0 0 1,202
SYSCO CORP COM 871829107   1,637 29,953 SH   SOLE   0 0 29,953
ISHARES TR EAFE SML CP ETF 464288273   24,840 463,269 SH   SOLE   0 0 463,269
WP CAREY INC COM 92936U109   377 5,568 SH   SOLE   0 0 5,568
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,363 22,122 SH   SOLE   0 0 22,122
ISHARES TR CORE S&P TTL STK 464287150   1,199 17,263 SH   SOLE   0 0 17,263
TARGET CORP COM 87612E106   871 7,264 SH   SOLE   0 0 7,264
QUALCOMM INC COM 747525103   1,747 19,157 SH   SOLE   0 0 19,157
TOTAL S.A. SPONSORED ADS 89151E109   223 5,787 SH   SOLE   0 0 5,787
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,912 189,893 SH   SOLE   0 0 189,893
PFIZER INC COM 717081103   3,331 101,860 SH   SOLE   0 0 101,860
DOW INC COM 260557103   361 8,851 SH   SOLE   0 0 8,851
VANGUARD INDEX FDS MID CAP ETF 922908629   2,040 12,446 SH   SOLE   0 0 12,446
FACEBOOK INC CL A 30303M102   30,208 133,033 SH   SOLE   0 0 133,033
THERAPEUTICSMD INC COM 88338N107   22 17,500 SH   SOLE   0 0 17,500
ENERGY TRANSFER LP COM UT LTD PTN 29273V100   455 63,943 SH   SOLE   0 0 63,943
TASEKO MINES LTD COM 876511106   15 30,000 SH   SOLE   0 0 30,000
KROGER CO COM 501044101   252 7,444 SH   SOLE   0 0 7,444
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   511 11,490 SH   SOLE   0 0 11,490
MERCK & CO. INC COM 58933Y105   3,774 48,803 SH   SOLE   0 0 48,803
SALESFORCE COM INC COM 79466L302   554 2,960 SH   SOLE   0 0 2,960
WALGREENS BOOTS ALLIANCE INC COM 931427108   1,038 24,487 SH   SOLE   0 0 24,487
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,049 41,713 SH   SOLE   0 0 41,713
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   177 14,398 SH   SOLE   0 0 14,398
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,877 24,552 SH   SOLE   0 0 24,552
OLD REP INTL CORP COM 680223104   173 10,583 SH   SOLE   0 0 10,583
DOLLAR TREE INC COM 256746108   469 5,060 SH   SOLE   0 0 5,060
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS 881624209   248 20,100 SH   SOLE   0 0 20,100
VARIAN MED SYS INC COM 92220P105   270 2,200 SH   SOLE   0 0 2,200
CLOROX CO DEL COM 189054109   460 2,098 SH   SOLE   0 0 2,098
ISHARES TR GLB CNSM STP ETF 464288737   277 5,360 SH   SOLE   0 0 5,360
CITY HLDG CO COM 177835105   10,378 159,241 SH   SOLE   0 0 159,241
VERTEX PHARMACEUTICALS INC COM 92532F100   253 871 SH   SOLE   0 0 871
XCEL ENERGY INC COM 98389B100   369 5,897 SH   SOLE   0 0 5,897
ISHARES TR SP SMCP600VL ETF 464287879   3,489 28,982 SH   SOLE   0 0 28,982
HONEYWELL INTL INC COM 438516106   1,600 11,063 SH   SOLE   0 0 11,063
ISHARES TR RUS 1000 GRW ETF 464287614   12,923 67,323 SH   SOLE   0 0 67,323
INTUIT COM 461202103   425 1,434 SH   SOLE   0 0 1,434
ISHARES TR RUS 1000 ETF 464287622   10,367 60,388 SH   SOLE   0 0 60,388
WILLIS TOWERS WATSON PLC LTD SHS G96629103   309 1,571 SH   SOLE   0 0 1,571
SIMON PPTY GROUP INC NEW COM 828806109   244 3,564 SH   SOLE   0 0 3,564
ISHARES TR RUS 1000 VAL ETF 464287598   4,914 43,633 SH   SOLE   0 0 43,633
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   570 5,451 SH   SOLE   0 0 5,451
CATERPILLAR INC DEL COM 149123101   771 6,095 SH   SOLE   0 0 6,095
TRUIST FINL CORP COM 89832Q109   1,333 35,511 SH   SOLE   0 0 35,511
ISHARES INC CORE MSCI EMKT 46434G103   822 17,272 SH   SOLE   0 0 17,272
ANALOG DEVICES INC COM 032654105   796 6,491 SH   SOLE   0 0 6,491
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   10,882 210,777 SH   SOLE   0 0 210,777
PROGRESSIVE CORP OHIO COM 743315103   238 2,974 SH   SOLE   0 0 2,974
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,118 4,010 SH   SOLE   0 0 4,010
ISHARES TR USA QUALITY FCTR 46432F339   610 6,361 SH   SOLE   0 0 6,361
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   396 3,658 SH   SOLE   0 0 3,658
NOVARTIS AG SPONSORED ADR 66987V109   1,077 12,330 SH   SOLE   0 0 12,330
ING GROEP N.V. SPONSORED ADR 456837103   256 37,107 SH   SOLE   0 0 37,107
SPDR SER TR PORTFOLI S&P1500 78464A805   828 21,918 SH   SOLE   0 0 21,918
AIR PRODS & CHEMS INC COM 009158106   396 1,639 SH   SOLE   0 0 1,639
CITIGROUP INC COM NEW 172967424   305 5,976 SH   SOLE   0 0 5,976
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   5,059 52,361 SH   SOLE   0 0 52,361
CHIPOTLE MEXICAN GRILL INC COM 169656105   290 276 SH   SOLE   0 0 276
L3HARRIS TECHNOLOGIES INC COM 502431109   421 2,484 SH   SOLE   0 0 2,484
EVERSOURCE ENERGY COM 30040W108   377 4,523 SH   SOLE   0 0 4,523
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   535 9,115 SH   SOLE   0 0 9,115
STARBUCKS CORP COM 855244109   1,492 20,278 SH   SOLE   0 0 20,278
DNP SELECT INCOME FD COM 23325P104   704 64,743 SH   SOLE   0 0 64,743
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   607 8,192 SH   SOLE   0 0 8,192
BLACKROCK INC COM 09247X101   304 559 SH   SOLE   0 0 559
NORFOLK SOUTHERN CORP COM 655844108   4,439 25,283 SH   SOLE   0 0 25,283
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605   399 17,249 SH   SOLE   0 0 17,249
ESSENTIAL UTILS INC COM 29670G102   273 6,465 SH   SOLE   0 0 6,465
ISHARES TR MRNGSTR LG-CP GR 464287119   398 1,696 SH   SOLE   0 0 1,696
CORNING INC COM 219350105   232 8,972 SH   SOLE   0 0 8,972
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,090 28,796 SH   SOLE   0 0 28,796
ISHARES TR 3 7 YR TREAS BD 464288661   14,732 110,210 SH   SOLE   0 0 110,210
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   314 3,085 SH   SOLE   0 0 3,085
CISCO SYS INC COM 17275R102   3,574 76,639 SH   SOLE   0 0 76,639
AMAZON COM INC COM 023135106   44,886 16,270 SH   SOLE   0 0 16,270
ENTERPRISE PRODS PARTNERS L COM 293792107   1,009 55,517 SH   SOLE   0 0 55,517
GABELLI EQUITY TR INC COM 362397101   113 22,447 SH   SOLE   0 0 22,447
NIKE INC CL B 654106103   1,419 14,470 SH   SOLE   0 0 14,470
AEGON N V NY REGISTRY SHS 007924103   71 24,249 SH   SOLE   0 0 24,249
VERIZON COMMUNICATIONS INC COM 92343V104   4,010 72,737 SH   SOLE   0 0 72,737
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   17,689 212,814 SH   SOLE   0 0 212,814
FRESHPET INC COM 358039105   1,576 18,835 SH   SOLE   0 0 18,835
VANGUARD INDEX FDS VALUE ETF 922908744   17,251 173,222 SH   SOLE   0 0 173,222
HP INC COM 40434L105   409 23,446 SH   SOLE   0 0 23,446
ROPER TECHNOLOGIES INC COM 776696106   8,066 20,774 SH   SOLE   0 0 20,774
ISHARES TR MSCI KLD400 SOC 464288570   1,034 8,759 SH   SOLE   0 0 8,759
EVERBRIDGE INC COM 29978A104   203 1,469 SH   SOLE   0 0 1,469
NETEASE INC SPONSORED ADS 64110W102   319 744 SH   SOLE   0 0 744
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   476 16,011 SH   SOLE   0 0 16,011
MEDTRONIC PLC SHS G5960L103   919 10,019 SH   SOLE   0 0 10,019
ISHARES TR USA MOMENTUM FCT 46432F396   446 3,402 SH   SOLE   0 0 3,402
ISHARES TR NATIONAL MUN ETF 464288414   3,065 26,563 SH   SOLE   0 0 26,563
CENTENE CORP DEL COM 15135B101   518 8,149 SH   SOLE   0 0 8,149
PPG INDS INC COM 693506107   753 7,098 SH   SOLE   0 0 7,098
CROWDSTRIKE HLDGS INC CL A 22788C105   672 6,700 SH   SOLE   0 0 6,700
MORNINGSTAR INC COM 617700109   906 6,425 SH   SOLE   0 0 6,425
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,140 68,007 SH   SOLE   0 0 68,007
SHOPIFY INC CL A 82509L107   304 320 SH   SOLE   0 0 320
CARDINAL HEALTH INC COM 14149Y108   229 4,396 SH   SOLE   0 0 4,396
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   265 4,364 SH   SOLE   0 0 4,364
SANOFI SPONSORED ADR 80105N105   208 4,065 SH   SOLE   0 0 4,065
SPDR SER TR DJ REIT ETF 78464A607   1,421 18,213 SH   SOLE   0 0 18,213
WELLS FARGO CO NEW COM 949746101   2,640 103,132 SH   SOLE   0 0 103,132
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   4,190 152,148 SH   SOLE   0 0 152,148
AMERICAN WTR WKS CO INC NEW COM 030420103   421 3,272 SH   SOLE   0 0 3,272
CRANE CO COM 224399105   341 5,735 SH   SOLE   0 0 5,735
FIDELITY NATL INFORMATION SV COM 31620M106   472 3,520 SH   SOLE   0 0 3,520
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   341 13,991 SH   SOLE   0 0 13,991
ABERDEEN STD PALLADIUM ETF T PHYSCL PALLADM 003262102   257 1,404 SH   SOLE   0 0 1,404
CERNER CORP COM 156782104   353 5,152 SH   SOLE   0 0 5,152
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   386 5,909 SH   SOLE   0 0 5,909
MARATHON PETE CORP COM 56585A102   307 8,209 SH   SOLE   0 0 8,209
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,008 20,109 SH   SOLE   0 0 20,109
APPLE INC COM 037833100   34,870 95,586 SH   SOLE   0 0 95,586
STANDARD AVB FINL CORP COM 85303B100   201 8,655 SH   SOLE   0 0 8,655
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854   11,674 198,612 SH   SOLE   0 0 198,612
MONDELEZ INTL INC CL A 609207105   454 8,883 SH   SOLE   0 0 8,883
ADAMS DIVERSIFIED EQUITY FD COM 006212104   199 13,357 SH   SOLE   0 0 13,357
ROYAL DUTCH SHELL PLC SPON ADR B 780259107   245 8,049 SH   SOLE   0 0 8,049
FISERV INC COM 337738108   1,018 10,427 SH   SOLE   0 0 10,427
US BANCORP DEL COM NEW 902973304   2,184 59,323 SH   SOLE   0 0 59,323
LINDE PLC SHS G5494J103   912 4,301 SH   SOLE   0 0 4,301
NEWMONT CORP COM 651639106   338 5,480 SH   SOLE   0 0 5,480
SPDR SER TR NUVEEN BLMBRG SR 78468R739   7,421 148,817 SH   SOLE   0 0 148,817
INSIGNIA SYS INC COM 45765Y105   13 17,838 SH   SOLE   0 0 17,838
SIMULATIONS PLUS INC COM 829214105   272 4,550 SH   SOLE   0 0 4,550
GILEAD SCIENCES INC COM 375558103   448 5,825 SH   SOLE   0 0 5,825
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,433 19,154 SH   SOLE   0 0 19,154
INTEL CORP COM 458140100   16,299 272,426 SH   SOLE   0 0 272,426
ISHARES TR MULTIFACTOR INTL 46434V274   492 21,482 SH   SOLE   0 0 21,482
ZOETIS INC CL A 98978V103   477 3,482 SH   SOLE   0 0 3,482
FEDEX CORP COM 31428X106   809 5,769 SH   SOLE   0 0 5,769
GENERAL ELECTRIC CO COM 369604103   575 84,241 SH   SOLE   0 0 84,241
VANGUARD WORLD FDS UTILITIES ETF 92204A876   520 4,202 SH   SOLE   0 0 4,202
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   9,203 116,819 SH   SOLE   0 0 116,819
HOME DEPOT INC COM 437076102   4,196 16,750 SH   SOLE   0 0 16,750
INTL PAPER CO COM 460146103   432 12,256 SH   SOLE   0 0 12,256
INSPERITY INC COM 45778Q107   6,535 100,957 SH   SOLE   0 0 100,957
ISHARES TR S&P MC 400GR ETF 464287606   329 1,469 SH   SOLE   0 0 1,469
ALPHABET INC CAP STK CL A 02079K305   18,802 13,259 SH   SOLE   0 0 13,259
ARCHER DANIELS MIDLAND CO COM 039483102   346 8,682 SH   SOLE   0 0 8,682
ALTRIA GROUP INC COM 02209S103   1,018 25,937 SH   SOLE   0 0 25,937
PIMCO INCOME STRATEGY FD II COM 72201J104   88 10,060 SH   SOLE   0 0 10,060
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,045 35,326 SH   SOLE   0 0 35,326
SOUTHERN CO COM 842587107   1,145 22,092 SH   SOLE   0 0 22,092
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   389 7,745 SH   SOLE   0 0 7,745
MASTERCARD INCORPORATED CL A 57636Q104   1,411 4,770 SH   SOLE   0 0 4,770
BOOKING HOLDINGS INC COM 09857L108   371 233 SH   SOLE   0 0 233
ISHARES TR CORE MSCI TOTAL 46432F834   472 8,660 SH   SOLE   0 0 8,660
TFS FINL CORP COM 87240R107   721 50,370 SH   SOLE   0 0 50,370
BP PLC SPONSORED ADR 055622104   471 20,215 SH   SOLE   0 0 20,215
BLACKSTONE GROUP INC COM CL A 09260D107   342 6,043 SH   SOLE   0 0 6,043
SVB FINANCIAL GROUP COM 78486Q101   702 3,259 SH   SOLE   0 0 3,259
ISHARES TR RUS 2000 VAL ETF 464287630   6,568 67,395 SH   SOLE   0 0 67,395
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,090 34,357 SH   SOLE   0 0 34,357
NEXTERA ENERGY INC COM 65339F101   2,700 11,244 SH   SOLE   0 0 11,244
AMEREN CORP COM 023608102   1,053 14,965 SH   SOLE   0 0 14,965
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,604 6 SH   SOLE   0 0 6
SUMMIT FINL GROUP INC COM 86606G101   165 10,000 SH   SOLE   0 0 10,000
ISHARES TR RUS MD CP GR ETF 464287481   297 1,879 SH   SOLE   0 0 1,879
VISA INC COM CL A 92826C839   3,290 17,030 SH   SOLE   0 0 17,030
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   679 5,316 SH   SOLE   0 0 5,316
CIGNA CORP NEW COM 125523100   542 2,886 SH   SOLE   0 0 2,886
SHERWIN WILLIAMS CO COM 824348106   242 419 SH   SOLE   0 0 419
PAVMED INC COM 70387R106   87 41,087 SH   SOLE   0 0 41,087
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   7,013 147,302 SH   SOLE   0 0 147,302
ISHARES TR US TREAS BD ETF 46429B267   1,927 68,830 SH   SOLE   0 0 68,830
GENERAL DYNAMICS CORP COM 369550108   1,822 12,194 SH   SOLE   0 0 12,194
AMERICAN EXPRESS CO COM 025816109   1,252 13,147 SH   SOLE   0 0 13,147
MARSH & MCLENNAN COS INC COM 571748102   412 3,839 SH   SOLE   0 0 3,839
ISHARES TR US AER DEF ETF 464288760   695 4,217 SH   SOLE   0 0 4,217
ABBOTT LABS COM 002824100   6,037 66,033 SH   SOLE   0 0 66,033
VANGUARD INDEX FDS SM CP VAL ETF 922908611   16,447 153,826 SH   SOLE   0 0 153,826
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,913 38,632 SH   SOLE   0 0 38,632
EMERSON ELEC CO COM 291011104   2,660 42,878 SH   SOLE   0 0 42,878
GENERAL MLS INC COM 370334104   530 8,592 SH   SOLE   0 0 8,592
CADENCE DESIGN SYSTEM INC COM 127387108   439 4,580 SH   SOLE   0 0 4,580
DUKE ENERGY CORP NEW COM NEW 26441C204   574 7,184 SH   SOLE   0 0 7,184
ESSENT GROUP LTD COM G3198U102   1,000 27,579 SH   SOLE   0 0 27,579
SPDR SER TR PRTFLO S&P500 VL 78464A508   368 12,697 SH   SOLE   0 0 12,697
TRAVELERS COMPANIES INC COM 89417E109   440 3,855 SH   SOLE   0 0 3,855
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   336 8,224 SH   SOLE   0 0 8,224
MOODYS CORP COM 615369105   305 1,112 SH   SOLE   0 0 1,112
BLACK KNIGHT INC COM 09215C105   258 3,561 SH   SOLE   0 0 3,561
INVESCO QQQ TR UNIT SER 1 46090E103   9,076 36,657 SH   SOLE   0 0 36,657
CASS INFORMATION SYS INC COM 14808P109   34,196 876,147 SH   SOLE   0 0 876,147
NUCOR CORP COM 670346105   240 5,790 SH   SOLE   0 0 5,790
COLGATE PALMOLIVE CO COM 194162103   1,561 21,309 SH   SOLE   0 0 21,309
FIRST COMWLTH FINL CORP PA COM 319829107   576 69,562 SH   SOLE   0 0 69,562
PRUDENTIAL FINL INC COM 744320102   239 3,930 SH   SOLE   0 0 3,930
ISHARES TR MSCI ACWI ETF 464288257   1,549 21,017 SH   SOLE   0 0 21,017
NVIDIA CORPORATION COM 67066G104   1,089 2,867 SH   SOLE   0 0 2,867
CINTAS CORP COM 172908105   796 2,990 SH   SOLE   0 0 2,990
SUPERIOR GRP OF COMPANIES IN COM 868358102   335 25,023 SH   SOLE   0 0 25,023
PROCTER AND GAMBLE CO COM 742718109   5,882 49,190 SH   SOLE   0 0 49,190
INTUITIVE SURGICAL INC COM NEW 46120E602   329 578 SH   SOLE   0 0 578
BRYN MAWR BK CORP COM 117665109   201 7,255 SH   SOLE   0 0 7,255
PHILLIPS 66 COM 718546104   473 6,583 SH   SOLE   0 0 6,583
HENRY SCHEIN INC COM 806407102   735 12,591 SH   SOLE   0 0 12,591
ISHARES TR SHRT NAT MUN ETF 464288158   4,025 37,317 SH   SOLE   0 0 37,317
SPDR SER TR NUVEEN BRC MUNIC 78468R721   206 3,978 SH   SOLE   0 0 3,978
ISHARES TR RUS MID CAP ETF 464287499   426 7,943 SH   SOLE   0 0 7,943
COCA COLA CO COM 191216100   8,694 194,590 SH   SOLE   0 0 194,590
INTERNATIONAL BUSINESS MACHS COM 459200101   3,077 25,476 SH   SOLE   0 0 25,476
SEMPRA ENERGY COM 816851109   311 2,652 SH   SOLE   0 0 2,652
STERLING BANCORP DEL COM 85917A100   456 38,895 SH   SOLE   0 0 38,895
CHUBB LIMITED COM H1467J104   201 1,590 SH   SOLE   0 0 1,590
HEWLETT PACKARD ENTERPRISE C COM 42824C109   251 25,828 SH   SOLE   0 0 25,828
VANGUARD INDEX FDS SML CP GRW ETF 922908595   800 4,010 SH   SOLE   0 0 4,010
ISHARES TR TIPS BD ETF 464287176   707 5,751 SH   SOLE   0 0 5,751
ISHARES TR MSCI MIN VOL ETF 46429B697   281 4,635 SH   SOLE   0 0 4,635
BANNER CORP COM NEW 06652V208   960 25,259 SH   SOLE   0 0 25,259
PIMCO MUN INCOME FD COM 72200R107   267 19,712 SH   SOLE   0 0 19,712
CHARTER COMMUNICATIONS INC N CL A 16119P108   1,236 2,423 SH   SOLE   0 0 2,423
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407   1,506 26,082 SH   SOLE   0 0 26,082
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   491 4,394 SH   SOLE   0 0 4,394
DUPONT DE NEMOURS INC COM 26614N102   346 6,518 SH   SOLE   0 0 6,518
ISHARES TR CORE S&P SCP ETF 464287804   2,672 39,122 SH   SOLE   0 0 39,122
INVESCO EXCHANGE TRADED FD T DYNMC SEMICNDT 46137V647   307 4,200 SH   SOLE   0 0 4,200
BAXTER INTL INC COM 071813109   298 3,466 SH   SOLE   0 0 3,466
LOWES COS INC COM 548661107   961 7,113 SH   SOLE   0 0 7,113
BOEING CO COM 097023105   3,234 17,641 SH   SOLE   0 0 17,641
ISHARES TR COHEN STEER REIT 464287564   552 5,469 SH   SOLE   0 0 5,469
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   303 2,987 SH   SOLE   0 0 2,987
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106   421 9,757 SH   SOLE   0 0 9,757
ISHARES TR MICRO-CAP ETF 464288869   398 4,556 SH   SOLE   0 0 4,556
PUBLIC STORAGE COM 74460D109   696 3,629 SH   SOLE   0 0 3,629
ETF SER SOLUTIONS US GLB JETS 26922A842   208 12,505 SH   SOLE   0 0 12,505
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105   387 9,476 SH   SOLE   0 0 9,476
ISHARES TR CORE MSCI EAFE 46432F842   1,734 30,342 SH   SOLE   0 0 30,342
SERVICENOW INC COM 81762P102   233 575 SH   SOLE   0 0 575
BECTON DICKINSON & CO COM 075887109   1,504 6,287 SH   SOLE   0 0 6,287
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   374 1,741 SH   SOLE   0 0 1,741
ZIMMER BIOMET HOLDINGS INC COM 98956P102   299 2,505 SH   SOLE   0 0 2,505
ONEOK INC NEW COM 682680103   330 9,942 SH   SOLE   0 0 9,942
MORGAN STANLEY EMERGING MKTS COM 617477104   61 10,775 SH   SOLE   0 0 10,775
DEERE & CO COM 244199105   468 2,978 SH   SOLE   0 0 2,978
UNITED PARCEL SERVICE INC CL B 911312106   3,436 30,905 SH   SOLE   0 0 30,905
QUMU CORP COM 749063103   115 32,085 SH   SOLE   0 0 32,085
VANGUARD INDEX FDS TOTAL STK MKT 922908769   64,628 412,882 SH   SOLE   0 0 412,882
WASTE MGMT INC DEL COM 94106L109   431 4,069 SH   SOLE   0 0 4,069
BROADCOM INC COM 11135F101   1,036 3,282 SH   SOLE   0 0 3,282
OGE ENERGY CORP COM 670837103   331 10,895 SH   SOLE   0 0 10,895
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,688 9,483 SH   SOLE   0 0 9,483
KIMBERLY CLARK CORP COM 494368103   1,514 10,713 SH   SOLE   0 0 10,713
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   165 28,838 SH   SOLE   0 0 28,838
CONOCOPHILLIPS COM 20825C104   398 9,470 SH   SOLE   0 0 9,470
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   278 3,144 SH   SOLE   0 0 3,144
DOMINION ENERGY INC COM 25746U109   1,704 20,987 SH   SOLE   0 0 20,987
ISHARES TR DOW JONES US ETF 464287846   1,418 9,265 SH   SOLE   0 0 9,265
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   458 15,888 SH   SOLE   0 0 15,888
CVS HEALTH CORP COM 126650100   861 13,248 SH   SOLE   0 0 13,248
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858   9,118 235,060 SH   SOLE   0 0 235,060
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   610 2,830 SH   SOLE   0 0 2,830
CSX CORP COM 126408103   1,093 15,675 SH   SOLE   0 0 15,675
GLOBAL PMTS INC COM 37940X102   223 1,312 SH   SOLE   0 0 1,312
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   641 7,759 SH   SOLE   0 0 7,759
NUVEEN MUN VALUE FD INC COM 670928100   431 42,217 SH   SOLE   0 0 42,217
KINDER MORGAN INC DEL COM 49456B101   156 10,301 SH   SOLE   0 0 10,301
ARK ETF TR INNOVATION ETF 00214Q104   560 7,855 SH   SOLE   0 0 7,855
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,605 113,678 SH   SOLE   0 0 113,678
REALTY INCOME CORP COM 756109104   298 5,017 SH   SOLE   0 0 5,017
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   1,472 5,708 SH   SOLE   0 0 5,708
EATON CORP PLC SHS G29183103   438 5,011 SH   SOLE   0 0 5,011
UNILEVER PLC SPON ADR NEW 904767704   412 7,509 SH   SOLE   0 0 7,509
NETFLIX INC COM 64110L106   4,262 9,367 SH   SOLE   0 0 9,367
ISHARES TR GLOBAL TECH ETF 464287291   431 1,830 SH   SOLE   0 0 1,830
VANGUARD STAR FDS VG TL INTL STK F 921909768   17,871 363,447 SH   SOLE   0 0 363,447
SEAGATE TECHNOLOGY PLC SHS G7945M107   261 5,400 SH   SOLE   0 0 5,400
VANGUARD WORLD FD MEGA CAP INDEX 921910873   267 2,435 SH   SOLE   0 0 2,435
WESTERN ASSET MANAGED MUNS F COM 95766M105   318 26,514 SH   SOLE   0 0 26,514
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676   290 1,900 SH   SOLE   0 0 1,900
DISNEY WALT CO COM DISNEY 254687106   2,939 26,359 SH   SOLE   0 0 26,359
PEPSICO INC COM 713448108   4,893 36,995 SH   SOLE   0 0 36,995
SOUTHWEST AIRLS CO COM 844741108   289 8,464 SH   SOLE   0 0 8,464
AFLAC INC COM 001055102   412 11,440 SH   SOLE   0 0 11,440
CME GROUP INC COM 12572Q105   554 3,410 SH   SOLE   0 0 3,410
KLX ENERGY SERVICS HOLDNGS I COM 48253L106   22 10,000 SH   SOLE   0 0 10,000
AMERIPRISE FINL INC COM 03076C106   274 1,826 SH   SOLE   0 0 1,826
ANTHEM INC COM 036752103   299 1,138 SH   SOLE   0 0 1,138
COMCAST CORP NEW CL A 20030N101   1,754 44,988 SH   SOLE   0 0 44,988
PAYCHEX INC COM 704326107   499 6,582 SH   SOLE   0 0 6,582
MCDONALDS CORP COM 580135101   6,312 34,216 SH   SOLE   0 0 34,216
ISHARES TR S&P 500 GRWT ETF 464287309   3,233 15,581 SH   SOLE   0 0 15,581
THERMO FISHER SCIENTIFIC INC COM 883556102   595 1,641 SH   SOLE   0 0 1,641
AMERICAN CENTY ETF TR US EQT ETF 025072885   261 5,233 SH   SOLE   0 0 5,233
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   333 3,373 SH   SOLE   0 0 3,373
MANULIFE FINL CORP COM 56501R106   208 15,255 SH   SOLE   0 0 15,255
ABBVIE INC COM 00287Y109   6,006 61,174 SH   SOLE   0 0 61,174
TRANSDIGM GROUP INC COM 893641100   211 478 SH   SOLE   0 0 478
ALLIANT ENERGY CORP COM 018802108   358 7,477 SH   SOLE   0 0 7,477
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   569 17,008 SH   SOLE   0 0 17,008
FOCUS FINL PARTNERS INC COM CL A 34417P100   4,779 144,592 SH   SOLE   0 0 144,592
ISHARES TR MSCI EMG MKT ETF 464287234   1,184 29,611 SH   SOLE   0 0 29,611
ALPHABET INC CAP STK CL C 02079K107   16,209 11,466 SH   SOLE   0 0 11,466
LOCKHEED MARTIN CORP COM 539830109   4,579 12,548 SH   SOLE   0 0 12,548
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,229 43,949 SH   SOLE   0 0 43,949
ILLINOIS TOOL WKS INC COM 452308109   1,751 10,016 SH   SOLE   0 0 10,016
WEC ENERGY GROUP INC COM 92939U106   345 3,932 SH   SOLE   0 0 3,932
AMERICAN ELEC PWR CO INC COM 025537101   573 7,195 SH   SOLE   0 0 7,195
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   335 5,938 SH   SOLE   0 0 5,938
ISHARES SILVER TR ISHARES 46428Q109   540 31,739 SH   SOLE   0 0 31,739
JPMORGAN CHASE & CO COM 46625H100   4,049 43,045 SH   SOLE   0 0 43,045
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   677 2,087 SH   SOLE   0 0 2,087
TEXAS INSTRS INC COM 882508104   853 6,716 SH   SOLE   0 0 6,716
ISHARES GOLD TRUST ISHARES 464285105   764 44,959 SH   SOLE   0 0 44,959
ISHARES TR RUS 2000 GRW ETF 464287648   1,144 5,532 SH   SOLE   0 0 5,532
BRISTOL-MYERS SQUIBB CO COM 110122108   1,091 18,551 SH   SOLE   0 0 18,551
SCHWAB STRATEGIC TR US TIPS ETF 808524870   665 11,076 SH   SOLE   0 0 11,076
SCHWAB STRATEGIC TR US REIT ETF 808524847   417 11,828 SH   SOLE   0 0 11,828
WALMART INC COM 931142103   4,020 33,564 SH   SOLE   0 0 33,564