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 2,174 12,325 SH   SOLE   0 0 12,325
ABBOTT LABS COM 002824100 1,447 16,655 SH   SOLE   0 0 16,655
ABBVIE INC COM 00287Y109 993 11,215 SH   SOLE   0 0 11,215
AFLAC INC COM 001055102 334 6,314 SH   SOLE   0 0 6,314
ALPHABET INC CAP STK CL C 02079K107 782 585 SH   SOLE   0 0 585
ALPHABET INC CAP STK CL A 02079K305 1,461 1,091 SH   SOLE   0 0 1,091
ALTRIA GROUP INC COM 02209S103 764 15,310 SH   SOLE   0 0 15,310
AMAZON COM INC COM 023135106 861 466 SH   SOLE   0 0 466
AMCOR PLC ORD G0250X107 191 17,576 SH   SOLE   0 0 17,576
AMGEN INC COM 031162100 1,184 4,912 SH   SOLE   0 0 4,912
APPLE INC COM 037833100 5,372 18,293 SH   SOLE   0 0 18,293
AT&T INC COM 00206R102 987 25,262 SH   SOLE   0 0 25,262
AUTOMATIC DATA PROCESSING IN COM 053015103 1,642 9,632 SH   SOLE   0 0 9,632
BANK AMER CORP COM 060505104 1,257 35,682 SH   SOLE   0 0 35,682
BERKSHIRE HATHAWAY INC DEL CL A 084670108 679 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,052 26,719 SH   SOLE   0 0 26,719
BOEING CO COM 097023105 1,294 3,974 SH   SOLE   0 0 3,974
BOOKING HLDGS INC COM 09857L108 236 115 SH   SOLE   0 0 115
BRISTOL MYERS SQUIBB CO COM 110122108 467 7,272 SH   SOLE   0 0 7,272
BROWN FORMAN CORP CL B 115637209 340 5,025 SH   SOLE   0 0 5,025
CATERPILLAR INC DEL COM 149123101 255 1,725 SH   SOLE   0 0 1,725
CHEVRON CORP NEW COM 166764100 2,208 18,320 SH   SOLE   0 0 18,320
CISCO SYS INC COM 17275R102 2,318 48,331 SH   SOLE   0 0 48,331
COCA COLA CO COM 191216100 897 16,206 SH   SOLE   0 0 16,206
COLGATE PALMOLIVE CO COM 194162103 249 3,622 SH   SOLE   0 0 3,622
CONOCOPHILLIPS COM 20825C104 778 11,960 SH   SOLE   0 0 11,960
CSX CORP COM 126408103 507 7,006 SH   SOLE   0 0 7,006
CVS HEALTH CORP COM 126650100 570 7,675 SH   SOLE   0 0 7,675
DANAHER CORPORATION COM 235851102 498 3,245 SH   SOLE   0 0 3,245
DEERE & CO COM 244199105 338 1,952 SH   SOLE   0 0 1,952
DISNEY WALT CO COM DISNEY 254687106 276 1,909 SH   SOLE   0 0 1,909
DUKE ENERGY CORP NEW COM NEW 26441C204 670 7,341 SH   SOLE   0 0 7,341
EMERSON ELEC CO COM 291011104 331 4,341 SH   SOLE   0 0 4,341
EXXON MOBIL CORP COM 30231G102 1,591 22,805 SH   SOLE   0 0 22,805
FASTENAL CO COM 311900104 389 10,524 SH   SOLE   0 0 10,524
GENERAL ELECTRIC CO COM 369604103 171 15,357 SH   SOLE   0 0 15,357
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 206 9,429 SH   SOLE   0 0 9,429
HOME DEPOT INC COM 437076102 1,518 6,950 SH   SOLE   0 0 6,950
ILLINOIS TOOL WKS INC COM 452308109 799 4,447 SH   SOLE   0 0 4,447
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 2,191 81,946 SH   SOLE   0 0 81,946
INNOVATOR ETFS TR S&P 500 POWER 45782C573 2,724 103,897 SH   SOLE   0 0 103,897
INTEL CORP COM 458140100 4,680 78,200 SH   SOLE   0 0 78,200
INTERNATIONAL BUSINESS MACHS COM 459200101 1,096 8,179 SH   SOLE   0 0 8,179
INVESCO QQQ TR UNIT SER 1 46090E103 966 4,543 SH   SOLE   0 0 4,543
ISHARES GOLD TRUST ISHARES 464285105 32,826 2,263,853 SH   SOLE   0 0 2,263,853
ISHARES TR CORE S&P TTL STK 464287150 24 328 SH   SOLE   0 0 328
ISHARES TR SELECT DIVID ETF 464287168 165 1,564 SH   SOLE   0 0 1,564
ISHARES TR TIPS BD ETF 464287176 53 452 SH   SOLE   0 0 452
ISHARES TR CORE S&P500 ETF 464287200 300 928 SH   SOLE   0 0 928
ISHARES TR CORE US AGGBD ET 464287226 284 2,526 SH   SOLE   0 0 2,526
ISHARES TR MSCI EMG MKT ETF 464287234 259 5,778 SH   SOLE   0 0 5,778
ISHARES TR IBOXX INV CP ETF 464287242 2 17 SH   SOLE   0 0 17
ISHARES TR S&P 500 GRWT ETF 464287309 125 643 SH   SOLE   0 0 643
ISHARES TR GLOB HLTHCRE ETF 464287325 273 3,966 SH   SOLE   0 0 3,966
ISHARES TR NORTH AMERN NAT 464287374 3 90 SH   SOLE   0 0 90
ISHARES TR 20 YR TR BD ETF 464287432 1 7 SH   SOLE   0 0 7
ISHARES TR BARCLAYS 7 10 YR 464287440 1 5 SH   SOLE   0 0 5
ISHARES TR 1 3 YR TREAS BD 464287457 67 798 SH   SOLE   0 0 798
ISHARES TR MSCI EAFE ETF 464287465 3,308 47,642 SH   SOLE   0 0 47,642
ISHARES TR RUS MD CP GR ETF 464287481 10,318 67,622 SH   SOLE   0 0 67,622
ISHARES TR RUS MID CAP ETF 464287499 99 1,654 SH   SOLE   0 0 1,654
ISHARES TR CORE S&P MCP ETF 464287507 64 311 SH   SOLE   0 0 311
ISHARES TR NASDAQ BIOTECH 464287556 262 2,174 SH   SOLE   0 0 2,174
ISHARES TR GLOBAL 100 ETF 464287572 687 12,741 SH   SOLE   0 0 12,741
ISHARES TR RUS 1000 VAL ETF 464287598 24 178 SH   SOLE   0 0 178
ISHARES TR S&P MC 400GR ETF 464287606 14 59 SH   SOLE   0 0 59
ISHARES TR RUS 1000 GRW ETF 464287614 512 2,910 SH   SOLE   0 0 2,910
ISHARES TR RUS 1000 ETF 464287622 183 1,027 SH   SOLE   0 0 1,027
ISHARES TR RUS 2000 GRW ETF 464287648 35 164 SH   SOLE   0 0 164
ISHARES TR RUSSELL 2000 ETF 464287655 2,063 12,455 SH   SOLE   0 0 12,455
ISHARES TR RUSSELL 3000 ETF 464287689 122 648 SH   SOLE   0 0 648
ISHARES TR U.S. REAL ES ETF 464287739 43 465 SH   SOLE   0 0 465
ISHARES TR CORE S&P SCP ETF 464287804 11 129 SH   SOLE   0 0 129
ISHARES TR S&P SML 600 GWT 464287887 4 22 SH   SOLE   0 0 22
ISHARES TR INTL SEL DIV ETF 464288448 156 4,661 SH   SOLE   0 0 4,661
ISHARES TR MSCI KLD400 SOC 464288570 305 2,539 SH   SOLE   0 0 2,539
ISHARES TR MBS ETF 464288588 5 43 SH   SOLE   0 0 43
ISHARES TR SH TR CRPORT ETF 464288646 15 275 SH   SOLE   0 0 275
ISHARES TR 3 7 YR TREAS BD 464288661 29,029 230,846 SH   SOLE   0 0 230,846
ISHARES TR MSCI USA ESG SLC 464288802 903 6,735 SH   SOLE   0 0 6,735
ISHARES TR EAFE VALUE ETF 464288877 2,813 56,342 SH   SOLE   0 0 56,342
ISHARES TR EAFE GRWTH ETF 464288885 1,499 17,336 SH   SOLE   0 0 17,336
ISHARES TR USA QUALITY FCTR 46432F339 370 3,662 SH   SOLE   0 0 3,662
ISHARES TR MULTIFACTOR USA 46434V290 15 350 SH   SOLE   0 0 350
ISHARES TR EXPONENTIAL TECH 46434V381 189 4,410 SH   SOLE   0 0 4,410
ISHARES TR ESG MSCI EAFE 46435G516 1,013 14,733 SH   SOLE   0 0 14,733
JOHNSON & JOHNSON COM 478160104 5,579 38,244 SH   SOLE   0 0 38,244
JPMORGAN CHASE & CO COM 46625H100 1,678 12,037 SH   SOLE   0 0 12,037
KIMBERLY CLARK CORP COM 494368103 574 4,174 SH   SOLE   0 0 4,174
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 43,119 1,468,123 SH   SOLE   0 0 1,468,123
LILLY ELI & CO COM 532457108 242 1,841 SH   SOLE   0 0 1,841
LOWES COS INC COM 548661107 3,033 25,324 SH   SOLE   0 0 25,324
MCDONALDS CORP COM 580135101 1,095 5,543 SH   SOLE   0 0 5,543
MERCK & CO INC COM 58933Y105 537 5,903 SH   SOLE   0 0 5,903
MICROSOFT CORP COM 594918104 7,426 47,092 SH   SOLE   0 0 47,092
MONDELEZ INTL INC CL A 609207105 263 4,774 SH   SOLE   0 0 4,774
NORFOLK SOUTHERN CORP COM 655844108 244 1,257 SH   SOLE   0 0 1,257
NORTHERN TR CORP COM 665859104 463 4,360 SH   SOLE   0 0 4,360
NOVARTIS A G SPONSORED ADR 66987V109 479 5,060 SH   SOLE   0 0 5,060
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 734 17,702 SH   SOLE   0 0 17,702
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 557 16,977 SH   SOLE   0 0 16,977
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 90 2,563 SH   SOLE   0 0 2,563
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 50 1,822 SH   SOLE   0 0 1,822
NVIDIA CORP COM 67066G104 204 869 SH   SOLE   0 0 869
ORACLE CORP COM 68389X105 1,474 27,814 SH   SOLE   0 0 27,814
PAYCHEX INC COM 704326107 740 8,705 SH   SOLE   0 0 8,705
PEPSICO INC COM 713448108 3,341 24,446 SH   SOLE   0 0 24,446
PFIZER INC COM 717081103 1,140 29,089 SH   SOLE   0 0 29,089
PHILIP MORRIS INTL INC COM 718172109 504 5,926 SH   SOLE   0 0 5,926
PIMCO ETF TR ACTIVE BD ETF 72201R775 21 197 SH   SOLE   0 0 197
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1 7 SH   SOLE   0 0 7
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 408 4,015 SH   SOLE   0 0 4,015
PROCTER & GAMBLE CO COM 742718109 1,547 12,386 SH   SOLE   0 0 12,386
QUALCOMM INC COM 747525103 429 4,862 SH   SOLE   0 0 4,862
SALESFORCE COM INC COM 79466L302 235 1,445 SH   SOLE   0 0 1,445
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,170 106,269 SH   SOLE   0 0 106,269
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 73 953 SH   SOLE   0 0 953
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,438 26,243 SH   SOLE   0 0 26,243
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,882 47,937 SH   SOLE   0 0 47,937
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2 36 SH   SOLE   0 0 36
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 619 8,185 SH   SOLE   0 0 8,185
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,053 221,166 SH   SOLE   0 0 221,166
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,078 18,617 SH   SOLE   0 0 18,617
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,501 74,357 SH   SOLE   0 0 74,357
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 15 288 SH   SOLE   0 0 288
SCHWAB STRATEGIC TR US REIT ETF 808524847 2 45 SH   SOLE   0 0 45
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 19 353 SH   SOLE   0 0 353
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18,711 370,665 SH   SOLE   0 0 370,665
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 326 9,403 SH   SOLE   0 0 9,403
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 452 4,435 SH   SOLE   0 0 4,435
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 15 121 SH   SOLE   0 0 121
SELECT SECTOR SPDR TR ENERGY 81369Y506 200 3,339 SH   SOLE   0 0 3,339
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 1,326 43,073 SH   SOLE   0 0 43,073
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 81 991 SH   SOLE   0 0 991
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 41 453 SH   SOLE   0 0 453
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 203 711 SH   SOLE   0 0 711
SPDR GOLD TRUST GOLD SHS 78463V107 476 3,334 SH   SOLE   0 0 3,334
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 212 5,652 SH   SOLE   0 0 5,652
SPDR INDEX SHS FDS S&P INTL ETF 78463X772 153 3,811 SH   SOLE   0 0 3,811
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 80 3,116 SH   SOLE   0 0 3,116
SPDR S&P 500 ETF TR TR UNIT 78462F103 643 1,997 SH   SOLE   0 0 1,997
SPDR SERIES TRUST GLB DOW ETF 78464A706 151 1,680 SH   SOLE   0 0 1,680
SPDR SERIES TRUST S&P DIVID ETF 78464A763 59 550 SH   SOLE   0 0 550
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 40 995 SH   SOLE   0 0 995
SPDR SERIES TRUST PORTFOLIO SH TSR 78468R101 1,156 38,577 SH   SOLE   0 0 38,577
SPDR SERIES TRUST BLOOMBERG SRT TR 78468R408 4 157 SH   SOLE   0 0 157
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 6 51 SH   SOLE   0 0 51
SPDR SERIES TRUST SPDR BLOOMBERG 78468R663 473 5,172 SH   SOLE   0 0 5,172
SPDR SERIES TRUST SSGA GNDER ETF 78468R747 209 2,704 SH   SOLE   0 0 2,704
STRYKER CORP COM 863667101 841 4,006 SH   SOLE   0 0 4,006
SYSCO CORP COM 871829107 1,658 19,383 SH   SOLE   0 0 19,383
TARGET CORP COM 87612E106 247 1,929 SH   SOLE   0 0 1,929
TESLA INC COM 88160R101 40 95 SH   SOLE   0 0 95
TESLA INC NOTE 1.250% 3/0 88160RAC5 32 25,000 PRN   SOLE   0 0 25,000
TEXAS INSTRS INC COM 882508104 895 6,975 SH   SOLE   0 0 6,975
TOTAL S A SPONSORED ADS 89151E109 224 4,058 SH   SOLE   0 0 4,058
TRUIST FINL CORP COM 89832Q109 2,566 45,555 SH   SOLE   0 0 45,555
UNION PACIFIC CORP COM 907818108 815 4,506 SH   SOLE   0 0 4,506
UNITED PARCEL SERVICE INC CL B 911312106 1,129 9,647 SH   SOLE   0 0 9,647
UNITED TECHNOLOGIES CORP COM 913017109 3,010 20,097 SH   SOLE   0 0 20,097
UNITEDHEALTH GROUP INC COM 91324P102 273 927 SH   SOLE   0 0 927
V F CORP COM 918204108 296 2,969 SH   SOLE   0 0 2,969
VANECK MERK GOLD TRUST GOLD TRUST 921078101 222 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 62,260 742,430 SH   SOLE   0 0 742,430
VANGUARD GROUP DIV APP ETF 921908844 51,826 415,735 SH   SOLE   0 0 415,735
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 230 778 SH   SOLE   0 0 778
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 151 1,627 SH   SOLE   0 0 1,627
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1 5 SH   SOLE   0 0 5
VANGUARD INDEX FDS GROWTH ETF 922908736 41,564 228,158 SH   SOLE   0 0 228,158
VANGUARD INDEX FDS VALUE ETF 922908744 88 734 SH   SOLE   0 0 734
VANGUARD INDEX FDS SMALL CP ETF 922908751 133 805 SH   SOLE   0 0 805
VANGUARD INDEX FDS TOTAL STK MKT 922908769 179 1,093 SH   SOLE   0 0 1,093
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 71,107 1,322,927 SH   SOLE   0 0 1,322,927
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 366 8,230 SH   SOLE   0 0 8,230
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 28,763 583,674 SH   SOLE   0 0 583,674
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 301 5,620 SH   SOLE   0 0 5,620
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 10,737 114,582 SH   SOLE   0 0 114,582
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 20 102 SH   SOLE   0 0 102
VANGUARD WORLD FDS INF TECH ETF 92204A702 18,378 75,058 SH   SOLE   0 0 75,058
VERIZON COMMUNICATIONS INC COM 92343V104 1,797 29,274 SH   SOLE   0 0 29,274
VISA INC COM CL A 92826C839 1,057 5,627 SH   SOLE   0 0 5,627
WALGREENS BOOTS ALLIANCE INC COM 931427108 482 8,181 SH   SOLE   0 0 8,181
WALMART INC COM 931142103 1,643 13,824 SH   SOLE   0 0 13,824
WASTE MGMT INC DEL COM 94106L109 211 1,849 SH   SOLE   0 0 1,849
WELLS FARGO CO NEW COM 949746101 545 10,137 SH   SOLE   0 0 10,137
WISDOMTREE TR US MULTIFACTOR 97717Y857 32,627 1,021,514 SH   SOLE   0 0 1,021,514