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 1,784 10,851 SH   SOLE   0 0 10,851
ABBOTT LABS COM 002824100 1,435 17,155 SH   SOLE   0 0 17,155
ABBVIE INC COM 00287Y109 813 10,736 SH   SOLE   0 0 10,736
AFLAC INC COM 001055102 330 6,314 SH   SOLE   0 0 6,314
ALPHABET INC CAP STK CL A 02079K305 1,424 1,166 SH   SOLE   0 0 1,166
ALPHABET INC CAP STK CL C 02079K107 740 607 SH   SOLE   0 0 607
ALTRIA GROUP INC COM 02209S103 639 15,613 SH   SOLE   0 0 15,613
AMAZON COM INC COM 023135106 889 512 SH   SOLE   0 0 512
AMCOR PLC ORD G0250X107 171 17,576 SH   SOLE   0 0 17,576
AMGEN INC COM 031162100 949 4,906 SH   SOLE   0 0 4,906
APPLE INC COM 037833100 4,298 19,189 SH   SOLE   0 0 19,189
AT&T INC COM 00206R102 962 25,416 SH   SOLE   0 0 25,416
AUTOMATIC DATA PROCESSING IN COM 053015103 1,564 9,689 SH   SOLE   0 0 9,689
BANK AMER CORP COM 060505104 1,056 36,218 SH   SOLE   0 0 36,218
BB&T CORP COM 054937107 2,074 38,867 SH   SOLE   0 0 38,867
BERKSHIRE HATHAWAY INC DEL CL A 084670108 624 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,613 26,982 SH   SOLE   0 0 26,982
BOEING CO COM 097023105 1,511 3,971 SH   SOLE   0 0 3,971
BOOKING HLDGS INC COM 09857L108 226 115 SH   SOLE   0 0 115
BRISTOL MYERS SQUIBB CO COM 110122108 341 6,717 SH   SOLE   0 0 6,717
BROWN FORMAN CORP CL B 115637209 315 5,024 SH   SOLE   0 0 5,024
CATERPILLAR INC DEL COM 149123101 218 1,724 SH   SOLE   0 0 1,724
CHEVRON CORP NEW COM 166764100 2,295 19,354 SH   SOLE   0 0 19,354
CISCO SYS INC COM 17275R102 2,450 49,594 SH   SOLE   0 0 49,594
COCA COLA CO COM 191216100 885 16,252 SH   SOLE   0 0 16,252
COLGATE PALMOLIVE CO COM 194162103 294 4,001 SH   SOLE   0 0 4,001
CONOCOPHILLIPS COM 20825C104 745 13,068 SH   SOLE   0 0 13,068
CSX CORP COM 126408103 487 7,024 SH   SOLE   0 0 7,024
CVS HEALTH CORP COM 126650100 487 7,724 SH   SOLE   0 0 7,724
DANAHER CORPORATION COM 235851102 476 3,294 SH   SOLE   0 0 3,294
DEERE & CO COM 244199105 329 1,951 SH   SOLE   0 0 1,951
DISNEY WALT CO COM DISNEY 254687106 249 1,909 SH   SOLE   0 0 1,909
DUKE ENERGY CORP NEW COM NEW 26441C204 544 5,673 SH   SOLE   0 0 5,673
EMERSON ELEC CO COM 291011104 264 3,954 SH   SOLE   0 0 3,954
EXXON MOBIL CORP COM 30231G102 1,638 23,201 SH   SOLE   0 0 23,201
FASTENAL CO COM 311900104 343 10,485 SH   SOLE   0 0 10,485
GENERAL ELECTRIC CO COM 369604103 137 15,346 SH   SOLE   0 0 15,346
HOME DEPOT INC COM 437076102 1,701 7,332 SH   SOLE   0 0 7,332
ILLINOIS TOOL WKS INC COM 452308109 739 4,723 SH   SOLE   0 0 4,723
INTEL CORP COM 458140100 4,098 79,531 SH   SOLE   0 0 79,531
INTERNATIONAL BUSINESS MACHS COM 459200101 1,165 8,011 SH   SOLE   0 0 8,011
INVESCO QQQ TR UNIT SER 1 46090E103 858 4,543 SH   SOLE   0 0 4,543
ISHARES GOLD TRUST ISHARES 464285105 16,690 1,183,714 SH   SOLE   0 0 1,183,714
ISHARES TR SH TR CRPORT ETF 464288646 82 1,526 SH   SOLE   0 0 1,526
ISHARES TR 3 7 YR TREAS BD 464288661 27,657 218,112 SH   SOLE   0 0 218,112
ISHARES TR CORE US AGGBD ET 464287226 284 2,507 SH   SOLE   0 0 2,507
ISHARES TR CORE S&P TTL STK 464287150 22 326 SH   SOLE   0 0 326
ISHARES TR SELECT DIVID ETF 464287168 158 1,550 SH   SOLE   0 0 1,550
ISHARES TR USA QUALITY FCTR 46432F339 337 3,652 SH   SOLE   0 0 3,652
ISHARES TR GLOB HLTHCRE ETF 464287325 241 3,944 SH   SOLE   0 0 3,944
ISHARES TR IBOXX INV CP ETF 464287242 2 17 SH   SOLE   0 0 17
ISHARES TR ESG MSCI EAFE 46435G516 938 14,629 SH   SOLE   0 0 14,629
ISHARES TR MSCI EAFE ETF 464287465 3,106 47,631 SH   SOLE   0 0 47,631
ISHARES TR EAFE GRWTH ETF 464288885 1,389 17,258 SH   SOLE   0 0 17,258
ISHARES TR EAFE VALUE ETF 464288877 2,780 58,684 SH   SOLE   0 0 58,684
ISHARES TR MSCI EMG MKT ETF 464287234 233 5,709 SH   SOLE   0 0 5,709
ISHARES TR MSCI KLD400 SOC 464288570 279 2,519 SH   SOLE   0 0 2,519
ISHARES TR MSCI USA ESG SLC 464288802 832 6,734 SH   SOLE   0 0 6,734
ISHARES TR NASDAQ BIOTECH 464287556 216 2,174 SH   SOLE   0 0 2,174
ISHARES TR NORTH AMERN NAT 464287374 3 90 SH   SOLE   0 0 90
ISHARES TR RUS 1000 GRW ETF 464287614 464 2,909 SH   SOLE   0 0 2,909
ISHARES TR RUS 1000 VAL ETF 464287598 23 178 SH   SOLE   0 0 178
ISHARES TR RUSSELL 2000 ETF 464287655 1,814 11,986 SH   SOLE   0 0 11,986
ISHARES TR RUS 2000 GRW ETF 464287648 32 164 SH   SOLE   0 0 164
ISHARES TR RUS 2000 VAL ETF 464287630 1 11 SH   SOLE   0 0 11
ISHARES TR RUS MD CP GR ETF 464287481 9,551 67,569 SH   SOLE   0 0 67,569
ISHARES TR S&P 500 GRWT ETF 464287309 97 540 SH   SOLE   0 0 540
ISHARES TR CORE S&P500 ETF 464287200 275 920 SH   SOLE   0 0 920
ISHARES TR S&P MC 400GR ETF 464287606 13 59 SH   SOLE   0 0 59
ISHARES TR CORE S&P MCP ETF 464287507 46 237 SH   SOLE   0 0 237
ISHARES TR TIPS BD ETF 464287176 52 451 SH   SOLE   0 0 451
ISHARES TR RUS 1000 ETF 464287622 169 1,027 SH   SOLE   0 0 1,027
ISHARES TR RUS MID CAP ETF 464287499 83 1,490 SH   SOLE   0 0 1,490
ISHARES TR GLOBAL 100 ETF 464287572 628 12,692 SH   SOLE   0 0 12,692
ISHARES TR RUSSELL 3000 ETF 464287689 112 645 SH   SOLE   0 0 645
ISHARES TR U.S. REAL ES ETF 464287739 43 460 SH   SOLE   0 0 460
JOHNSON & JOHNSON COM 478160104 5,109 39,488 SH   SOLE   0 0 39,488
JPMORGAN CHASE & CO COM 46625H100 1,446 12,288 SH   SOLE   0 0 12,288
KIMBERLY CLARK CORP COM 494368103 549 3,866 SH   SOLE   0 0 3,866
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 37,416 1,342,035 SH   SOLE   0 0 1,342,035
LILLY ELI & CO COM 532457108 206 1,839 SH   SOLE   0 0 1,839
LOWES COS INC COM 548661107 2,858 25,988 SH   SOLE   0 0 25,988
MCDONALDS CORP COM 580135101 1,189 5,540 SH   SOLE   0 0 5,540
MERCK & CO INC COM 58933Y105 496 5,894 SH   SOLE   0 0 5,894
MICROSOFT CORP COM 594918104 6,892 49,571 SH   SOLE   0 0 49,571
MONDELEZ INTL INC CL A 609207105 263 4,758 SH   SOLE   0 0 4,758
NIKE INC CL B 654106103 221 2,352 SH   SOLE   0 0 2,352
NORFOLK SOUTHERN CORP COM 655844108 231 1,288 SH   SOLE   0 0 1,288
NORTHERN TR CORP COM 665859104 406 4,349 SH   SOLE   0 0 4,349
NOVARTIS A G SPONSORED ADR 66987V109 440 5,060 SH   SOLE   0 0 5,060
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 674 17,702 SH   SOLE   0 0 17,702
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 530 16,977 SH   SOLE   0 0 16,977
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 84 2,563 SH   SOLE   0 0 2,563
ORACLE CORP COM 68389X105 1,536 27,917 SH   SOLE   0 0 27,917
PAYCHEX INC COM 704326107 717 8,668 SH   SOLE   0 0 8,668
PEPSICO INC COM 713448108 3,400 24,801 SH   SOLE   0 0 24,801
PFIZER INC COM 717081103 1,067 29,703 SH   SOLE   0 0 29,703
PHILIP MORRIS INTL INC COM 718172109 446 5,877 SH   SOLE   0 0 5,877
PIMCO ETF TR ACTIVE BD ETF 72201R775 21 196 SH   SOLE   0 0 196
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 372 3,659 SH   SOLE   0 0 3,659
PROCTER & GAMBLE CO COM 742718109 1,627 13,082 SH   SOLE   0 0 13,082
QUALCOMM INC COM 747525103 380 4,978 SH   SOLE   0 0 4,978
SALESFORCE COM INC COM 79466L302 214 1,445 SH   SOLE   0 0 1,445
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,488 218,374 SH   SOLE   0 0 218,374
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,663 107,903 SH   SOLE   0 0 107,903
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 567 8,135 SH   SOLE   0 0 8,135
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 17 313 SH   SOLE   0 0 313
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,319 72,790 SH   SOLE   0 0 72,790
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 299 9,403 SH   SOLE   0 0 9,403
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 39,526 781,310 SH   SOLE   0 0 781,310
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 68 953 SH   SOLE   0 0 953
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2 35 SH   SOLE   0 0 35
SCHWAB STRATEGIC TR US REIT ETF 808524847 6 135 SH   SOLE   0 0 135
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 45 835 SH   SOLE   0 0 835
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,010 18,441 SH   SOLE   0 0 18,441
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,128 25,331 SH   SOLE   0 0 25,331
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,692 47,453 SH   SOLE   0 0 47,453
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 15 121 SH   SOLE   0 0 121
SELECT SECTOR SPDR TR ENERGY 81369Y506 215 3,628 SH   SOLE   0 0 3,628
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,261 45,046 SH   SOLE   0 0 45,046
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 423 4,690 SH   SOLE   0 0 4,690
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 83 1,066 SH   SOLE   0 0 1,066
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 36 452 SH   SOLE   0 0 452
SPDR GOLD TRUST GOLD SHS 78463V107 466 3,356 SH   SOLE   0 0 3,356
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 88 3,662 SH   SOLE   0 0 3,662
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 193 5,639 SH   SOLE   0 0 5,639
SPDR S&P 500 ETF TR TR UNIT 78462F103 597 2,011 SH   SOLE   0 0 2,011
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 243 2,655 SH   SOLE   0 0 2,655
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 3,452 114,976 SH   SOLE   0 0 114,976
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 131 3,557 SH   SOLE   0 0 3,557
SPDR SERIES TRUST GLB DOW ETF 78464A706 140 1,680 SH   SOLE   0 0 1,680
SPDR SERIES TRUST S&P DIVID ETF 78464A763 67 649 SH   SOLE   0 0 649
SPDR SERIES TRUST SSGA GNDER ETF 78468R747 277 3,765 SH   SOLE   0 0 3,765
STRYKER CORP COM 863667101 866 4,001 SH   SOLE   0 0 4,001
SUNTRUST BKS INC COM 867914103 560 8,145 SH   SOLE   0 0 8,145
SYSCO CORP COM 871829107 1,535 19,337 SH   SOLE   0 0 19,337
TARGET CORP COM 87612E106 206 1,926 SH   SOLE   0 0 1,926
TESLA INC NOTE 1.250% 3/0 88160RAC5 24 25,000 SH   SOLE   0 0 25,000
TESLA INC COM 88160R101 28 115 SH   SOLE   0 0 115
TEXAS INSTRS INC COM 882508104 983 7,610 SH   SOLE   0 0 7,610
TOTAL S A SPONSORED ADS 89151E109 224 4,299 SH   SOLE   0 0 4,299
UNION PACIFIC CORP COM 907818108 729 4,498 SH   SOLE   0 0 4,498
UNITED PARCEL SERVICE INC CL B 911312106 1,217 10,160 SH   SOLE   0 0 10,160
UNITED TECHNOLOGIES CORP COM 913017109 2,776 20,336 SH   SOLE   0 0 20,336
UNITEDHEALTH GROUP INC COM 91324P102 205 942 SH   SOLE   0 0 942
V F CORP COM 918204108 262 2,945 SH   SOLE   0 0 2,945
VANECK MERK GOLD TRUST GOLD TRUST 921078101 215 14,924 SH   SOLE   0 0 14,924
VANGUARD BD INDEX FD INC LONG TERM BOND 921937793 23 228 SH   SOLE   0 0 228
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 4 47 SH   SOLE   0 0 47
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 59,830 708,634 SH   SOLE   0 0 708,634
VANGUARD GROUP DIV APP ETF 921908844 49,364 412,808 SH   SOLE   0 0 412,808
VANGUARD INDEX FDS GROWTH ETF 922908736 37,621 226,253 SH   SOLE   0 0 226,253
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2 17 SH   SOLE   0 0 17
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 150 1,610 SH   SOLE   0 0 1,610
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 229 838 SH   SOLE   0 0 838
VANGUARD INDEX FDS SMALL CP ETF 922908751 135 875 SH   SOLE   0 0 875
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2 9 SH   SOLE   0 0 9
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2 16 SH   SOLE   0 0 16
VANGUARD INDEX FDS TOTAL STK MKT 922908769 115 765 SH   SOLE   0 0 765
VANGUARD INDEX FDS VALUE ETF 922908744 82 734 SH   SOLE   0 0 734
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 65,527 1,313,158 SH   SOLE   0 0 1,313,158
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 331 8,221 SH   SOLE   0 0 8,221
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 26,631 542,941 SH   SOLE   0 0 542,941
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 10,104 113,878 SH   SOLE   0 0 113,878
VANGUARD WORLD FDS INF TECH ETF 92204A702 16,703 77,490 SH   SOLE   0 0 77,490
VERIZON COMMUNICATIONS INC COM 92343V104 1,787 29,609 SH   SOLE   0 0 29,609
VISA INC COM CL A 92826C839 967 5,620 SH   SOLE   0 0 5,620
WALGREENS BOOTS ALLIANCE INC COM 931427108 450 8,134 SH   SOLE   0 0 8,134
WALMART INC COM 931142103 1,639 13,808 SH   SOLE   0 0 13,808
WASTE MGMT INC DEL COM 94106L109 213 1,849 SH   SOLE   0 0 1,849
WELLS FARGO CO NEW COM 949746101 578 11,460 SH   SOLE   0 0 11,460
WISDOMTREE TR US MULTIFACTOR 97717Y857 28,786 948,794 SH   SOLE   0 0 948,794