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 1,605 11,759 SH   SOLE   0 0 11,759
ABBOTT LABS COM 002824100 1,176 14,902 SH   SOLE   0 0 14,902
ABBVIE INC COM 00287Y109 838 10,998 SH   SOLE   0 0 10,998
AFLAC INC COM 001055102 216 6,314 SH   SOLE   0 0 6,314
ALPHABET INC CAP STK CL A 02079K305 1,214 1,045 SH   SOLE   0 0 1,045
ALPHABET INC CAP STK CL C 02079K107 593 510 SH   SOLE   0 0 510
ALTRIA GROUP INC COM 02209S103 592 15,307 SH   SOLE   0 0 15,307
AMAZON COM INC COM 023135106 714 366 SH   SOLE   0 0 366
AMCOR PLC ORD G0250X107 143 17,576 SH   SOLE   0 0 17,576
AMGEN INC COM 031162100 882 4,349 SH   SOLE   0 0 4,349
APPLE INC COM 037833100 4,121 16,204 SH   SOLE   0 0 16,204
AT&T INC COM 00206R102 728 24,966 SH   SOLE   0 0 24,966
AUTOMATIC DATA PROCESSING IN COM 053015103 1,277 9,343 SH   SOLE   0 0 9,343
BERKSHIRE HATHAWAY INC DEL CL A 084670108 544 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,099 27,891 SH   SOLE   0 0 27,891
BK OF AMERICA CORP COM 060505104 751 35,375 SH   SOLE   0 0 35,375
BOEING CO COM 097023105 509 3,410 SH   SOLE   0 0 3,410
BRISTOL-MYERS SQUIBB CO COM 110122108 416 7,463 SH   SOLE   0 0 7,463
BROWN FORMAN CORP CL A 115637100 0 4 SH   SOLE   0 0 4
BROWN FORMAN CORP CL B 115637209 279 5,030 SH   SOLE   0 0 5,030
CATERPILLAR INC DEL COM 149123101 239 2,056 SH   SOLE   0 0 2,056
CHEVRON CORP NEW COM 166764100 1,393 19,229 SH   SOLE   0 0 19,229
CISCO SYS INC COM 17275R102 1,734 44,119 SH   SOLE   0 0 44,119
COCA COLA CO COM 191216100 674 15,236 SH   SOLE   0 0 15,236
COLGATE PALMOLIVE CO COM 194162103 242 3,641 SH   SOLE   0 0 3,641
CONOCOPHILLIPS COM 20825C104 468 15,197 SH   SOLE   0 0 15,197
CSX CORP COM 126408103 595 10,377 SH   SOLE   0 0 10,377
CVS HEALTH CORP COM 126650100 456 7,687 SH   SOLE   0 0 7,687
DANAHER CORPORATION COM 235851102 382 2,759 SH   SOLE   0 0 2,759
DEERE & CO COM 244199105 243 1,758 SH   SOLE   0 0 1,758
DISNEY WALT CO COM DISNEY 254687106 204 2,112 SH   SOLE   0 0 2,112
DUKE ENERGY CORP NEW COM NEW 26441C204 797 9,854 SH   SOLE   0 0 9,854
SELECT SECTOR SPDR TR ENERGY 81369Y506 502 17,266 SH   SOLE   0 0 17,266
EXXON MOBIL CORP COM 30231G102 913 24,036 SH   SOLE   0 0 24,036
F N B CORP COM 302520101 86 11,679 SH   SOLE   0 0 11,679
FASTENAL CO COM 311900104 324 10,357 SH   SOLE   0 0 10,357
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 815 39,163 SH   SOLE   0 0 39,163
GENERAL ELECTRIC CO COM 369604103 142 17,928 SH   SOLE   0 0 17,928
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 22,921 1,039,960 SH   SOLE   0 0 1,039,960
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 294 3,317 SH   SOLE   0 0 3,317
HOME DEPOT INC COM 437076102 1,291 6,916 SH   SOLE   0 0 6,916
ILLINOIS TOOL WKS INC COM 452308109 632 4,449 SH   SOLE   0 0 4,449
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 45 757 SH   SOLE   0 0 757
INNOVATOR ETFS TR MSCI EAFE PWR 45782C524 6,506 306,331 SH   SOLE   0 0 306,331
INNOVATOR ETFS TR MSCI EAFE PWR 45782C722 11,977 572,243 SH   SOLE   0 0 572,243
INNOVATOR ETFS TR S&P 500 PWR BU 45782C870 29,595 1,224,954 SH   SOLE   0 0 1,224,954
INNOVATOR ETFS TR S&P 500 PWR BU 45782C540 211 8,857 SH   SOLE   0 0 8,857
INNOVATOR ETFS TR S&P 500 POWER 45782C417 14 628 SH   SOLE   0 0 628
INNOVATOR ETFS TR S&P 500 POWER 45782C508 584 23,308 SH   SOLE   0 0 23,308
INNOVATOR ETFS TR S&P 500 PWR BUFR 45782C383 102 4,227 SH   SOLE   0 0 4,227
INNOVATOR ETFS TR S&P 500 POWER 45782C573 137 5,848 SH   SOLE   0 0 5,848
INNOVATOR ETFS TR S&P 500 ULTRA 45782C300 59 2,313 SH   SOLE   0 0 2,313
INTEL CORP COM 458140100 4,014 74,165 SH   SOLE   0 0 74,165
INTERNATIONAL BUSINESS MACHS COM 459200101 969 8,739 SH   SOLE   0 0 8,739
ISHARES TR SH TR CRPORT ETF 464288646 37 704 SH   SOLE   0 0 704
ISHARES TR 20 YR TR BD ETF 464287432 5 29 SH   SOLE   0 0 29
ISHARES TR 3 7 YR TREAS BD 464288661 35,953 269,631 SH   SOLE   0 0 269,631
ISHARES TR CORE US AGGBD ET 464287226 258 2,239 SH   SOLE   0 0 2,239
ISHARES TR CORE MSCI EURO 46434V738 21 559 SH   SOLE   0 0 559
ISHARES TR CORE MSCI PAC 46434V696 22 483 SH   SOLE   0 0 483
ISHARES TR CORE S&P TTL STK 464287150 19 329 SH   SOLE   0 0 329
ISHARES TR SELECT DIVID ETF 464287168 353 4,796 SH   SOLE   0 0 4,796
ISHARES TR MULTIFACTOR USA 46434V282 7,167 270,957 SH   SOLE   0 0 270,957
ISHARES TR USA QUALITY FCTR 46432F339 1,368 16,880 SH   SOLE   0 0 16,880
ISHARES TR EXPONENTIAL TECH 46434V381 29 828 SH   SOLE   0 0 828
ISHARES TR GLOB HLTHCRE ETF 464287325 214 3,513 SH   SOLE   0 0 3,513
ISHARES GOLD TRUST ISHARES 464285105 40,955 2,717,628 SH   SOLE   0 0 2,717,628
ISHARES TR IBOXX INV CP ETF 464287242 2 17 SH   SOLE   0 0 17
ISHARES TR ESG MSCI EAFE 46435G516 584 10,993 SH   SOLE   0 0 10,993
ISHARES TR MSCI EAFE ETF 464287465 1,193 22,323 SH   SOLE   0 0 22,323
ISHARES TR EAFE GRWTH ETF 464288885 83 1,162 SH   SOLE   0 0 1,162
ISHARES TR EAFE VALUE ETF 464288877 1,511 42,346 SH   SOLE   0 0 42,346
ISHARES TR MSCI EMG MKT ETF 464287234 85 2,497 SH   SOLE   0 0 2,497
ISHARES TR MSCI KLD400 SOC 464288570 135 1,382 SH   SOLE   0 0 1,382
ISHARES TR MSCI USA ESG SLC 464288802 650 5,923 SH   SOLE   0 0 5,923
ISHARES TR NASDAQ BIOTECH 464287556 129 1,194 SH   SOLE   0 0 1,194
ISHARES TR NATIONAL MUN ETF 464288414 13 115 SH   SOLE   0 0 115
ISHARES TR NORTH AMERN NAT 464287374 1 90 SH   SOLE   0 0 90
ISHARES TR RUS 1000 GRW ETF 464287614 418 2,774 SH   SOLE   0 0 2,774
ISHARES TR RUSSELL 2000 ETF 464287655 1,456 12,717 SH   SOLE   0 0 12,717
ISHARES TR RUS 2000 GRW ETF 464287648 26 163 SH   SOLE   0 0 163
ISHARES TR RUS MD CP GR ETF 464287481 7,881 64,813 SH   SOLE   0 0 64,813
ISHARES TR S&P 500 GRWT ETF 464287309 320 1,938 SH   SOLE   0 0 1,938
ISHARES TR CORE S&P500 ETF 464287200 1,089 4,216 SH   SOLE   0 0 4,216
ISHARES TR CORE S&P MCP ETF 464287507 45 311 SH   SOLE   0 0 311
ISHARES TR CORE S&P SCP ETF 464287804 136 2,423 SH   SOLE   0 0 2,423
ISHARES TR TIPS BD ETF 464287176 53 452 SH   SOLE   0 0 452
ISHARES TR RUS 1000 ETF 464287622 141 996 SH   SOLE   0 0 996
ISHARES TR RUS MID CAP ETF 464287499 64 1,490 SH   SOLE   0 0 1,490
ISHARES TR GLOBAL 100 ETF 464287572 716 16,039 SH   SOLE   0 0 16,039
ISHARES TR RUSSELL 3000 ETF 464287689 83 560 SH   SOLE   0 0 560
ISHARES TR U.S. REAL ES ETF 464287739 32 465 SH   SOLE   0 0 465
JOHNSON & JOHNSON COM 478160104 4,657 35,517 SH   SOLE   0 0 35,517
JPMORGAN CHASE & CO COM 46625H100 1,163 12,919 SH   SOLE   0 0 12,919
KIMBERLY CLARK CORP COM 494368103 530 4,144 SH   SOLE   0 0 4,144
LILLY ELI & CO COM 532457108 237 1,708 SH   SOLE   0 0 1,708
LOWES COS INC COM 548661107 2,245 26,088 SH   SOLE   0 0 26,088
MARTIN MARIETTA MATLS INC COM 573284106 954 5,044 SH   SOLE   0 0 5,044
MCDONALDS CORP COM 580135101 831 5,027 SH   SOLE   0 0 5,027
MERCK & CO. INC COM 58933Y105 447 5,806 SH   SOLE   0 0 5,806
MICROSOFT CORP COM 594918104 7,152 45,348 SH   SOLE   0 0 45,348
MONDELEZ INTL INC CL A 609207105 232 4,629 SH   SOLE   0 0 4,629
NORTHERN TR CORP COM 665859104 310 4,114 SH   SOLE   0 0 4,114
NOVARTIS A G SPONSORED ADR 66987V109 401 4,860 SH   SOLE   0 0 4,860
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 152 7,267 SH   SOLE   0 0 7,267
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201 692 19,645 SH   SOLE   0 0 19,645
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 595 24,372 SH   SOLE   0 0 24,372
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 79 2,712 SH   SOLE   0 0 2,712
OLD DOMINION FREIGHT LINE IN COM 679580100 228 1,738 SH   SOLE   0 0 1,738
ORACLE CORP COM 68389X105 1,230 25,443 SH   SOLE   0 0 25,443
PAYCHEX INC COM 704326107 528 8,392 SH   SOLE   0 0 8,392
PEPSICO INC COM 713448108 2,611 21,738 SH   SOLE   0 0 21,738
PFIZER INC COM 717081103 975 29,882 SH   SOLE   0 0 29,882
PHILIP MORRIS INTL INC COM 718172109 573 7,851 SH   SOLE   0 0 7,851
INVESCO QQQ TR UNIT SER 1 46090E103 637 3,346 SH   SOLE   0 0 3,346
PROCTER & GAMBLE CO COM 742718109 1,291 11,733 SH   SOLE   0 0 11,733
QUALCOMM INC COM 747525103 311 4,595 SH   SOLE   0 0 4,595
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1 18 SH   SOLE   0 0 18
SALESFORCE COM INC COM 79466L302 254 1,765 SH   SOLE   0 0 1,765
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 2 75 SH   SOLE   0 0 75
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,002 96,761 SH   SOLE   0 0 96,761
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,000 115,840 SH   SOLE   0 0 115,840
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 431 8,372 SH   SOLE   0 0 8,372
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 20 337 SH   SOLE   0 0 337
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 20,138 779,342 SH   SOLE   0 0 779,342
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 168 6,896 SH   SOLE   0 0 6,896
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,616 50,562 SH   SOLE   0 0 50,562
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 463 7,551 SH   SOLE   0 0 7,551
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2 35 SH   SOLE   0 0 35
SCHWAB STRATEGIC TR US REIT ETF 808524847 1 45 SH   SOLE   0 0 45
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12 218 SH   SOLE   0 0 218
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 770 17,126 SH   SOLE   0 0 17,126
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,091 26,247 SH   SOLE   0 0 26,247
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,103 70,082 SH   SOLE   0 0 70,082
SELECT SECTOR SPDR TR ENERGY 81369Y506 9 300 SH Call SOLE   0 0 300
SPDR SER TR PORTFLI TIPS ETF 78464A656 6 221 SH   SOLE   0 0 221
SPDR SER TR SPDR BLOOMBERG 78468R663 25 272 SH   SOLE   0 0 272
SPDR SER TR BLOMBRG BRC EMRG 78464A391 12 486 SH   SOLE   0 0 486
SPDR SER TR BLOOMBERG BRCLYS 78468R622 29 305 SH   SOLE   0 0 305
SPDR SER TR BLOMBERG INTL TR 78464A516 3 110 SH   SOLE   0 0 110
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 10 356 SH   SOLE   0 0 356
SPDR SER TR DJ REIT ETF 78464A607 24 337 SH   SOLE   0 0 337
SPDR GOLD TRUST GOLD SHS 78463V107 778 5,257 SH   SOLE   0 0 5,257
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 62 3,123 SH   SOLE   0 0 3,123
SPDR SER TR NUVEEN BRC MUNIC 78468R721 36 712 SH   SOLE   0 0 712
SPDR SER TR NUVEEN BLMBRG SR 78468R739 10 210 SH   SOLE   0 0 210
SPDR SER TR PORTFOLIO AGRGTE 78464A649 16 529 SH   SOLE   0 0 529
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 90 3,774 SH   SOLE   0 0 3,774
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 36 1,249 SH   SOLE   0 0 1,249
SPDR INDEX SHS FDS PORTFLO EURP ETF 78463X103 8 287 SH   SOLE   0 0 287
SPDR SER TR PORTFOLI S&P1500 78464A805 27 858 SH   SOLE   0 0 858
SPDR SER TR PORTFOLIO S&P600 78468R853 20 925 SH   SOLE   0 0 925
SPDR SER TR PORTFOLIO SH TSR 78468R101 615 20,018 SH   SOLE   0 0 20,018
SPDR S&P 500 ETF TR TR UNIT 78462F103 817 3,168 SH   SOLE   0 0 3,168
SPDR INDEX SHS FDS S&P CHINA ETF 78463X400 11 125 SH   SOLE   0 0 125
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 16 713 SH   SOLE   0 0 713
SPDR SER TR GLB DOW ETF 78464A706 114 1,680 SH   SOLE   0 0 1,680
SPDR SER TR S&P DIVID ETF 78464A763 42 520 SH   SOLE   0 0 520
SPDR SER TR SSGA GNDER ETF 78468R747 244 4,130 SH   SOLE   0 0 4,130
STRYKER CORP COM 863667101 636 3,821 SH   SOLE   0 0 3,821
SYSCO CORP COM 871829107 885 19,401 SH   SOLE   0 0 19,401
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 25 308 SH   SOLE   0 0 308
TESLA INC NOTE 1.250% 3/0 88160RAC5 39 25,000 PRN   SOLE   0 0 25,000
TESLA INC COM 88160R101 31 60 SH   SOLE   0 0 60
TEXAS INSTRS INC COM 882508104 654 6,548 SH   SOLE   0 0 6,548
TRUIST FINL CORP COM 89832Q109 2,012 65,253 SH   SOLE   0 0 65,253
UNION PAC CORP COM 907818108 580 4,108 SH   SOLE   0 0 4,108
UNITED PARCEL SERVICE INC CL B 911312106 868 9,288 SH   SOLE   0 0 9,288
UNITEDHEALTH GROUP INC COM 91324P102 313 1,254 SH   SOLE   0 0 1,254
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 36 650 SH   SOLE   0 0 650
VANECK MERK GOLD TRUST GOLD TRUST 921078101 301 19,562 SH   SOLE   0 0 19,562
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 24 228 SH   SOLE   0 0 228
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 43 313 SH   SOLE   0 0 313
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 35,236 340,802 SH   SOLE   0 0 340,802
VANGUARD WORLD FD ESG INTL STK ETF 921910725 655 15,928 SH   SOLE   0 0 15,928
VANGUARD WORLD FD ESG US STK ETF 921910733 1 32 SH   SOLE   0 0 32
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 42,542 1,037,100 SH   SOLE   0 0 1,037,100
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 706 9,023 SH   SOLE   0 0 9,023
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 593 17,776 SH   SOLE   0 0 17,776
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 260 7,760 SH   SOLE   0 0 7,760
VANGUARD INDEX FDS GROWTH ETF 922908736 35,389 225,854 SH   SOLE   0 0 225,854
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 7,868 111,212 SH   SOLE   0 0 111,212
VANGUARD WORLD FDS INF TECH ETF 92204A702 11,194 52,825 SH   SOLE   0 0 52,825
VANGUARD BD INDEX FDS INTERMED TERM 921937819 2 25 SH   SOLE   0 0 25
VANGUARD INDEX FDS LARGE CAP ETF 922908637 5 45 SH   SOLE   0 0 45
VANGUARD WORLD FD MEGA CAP INDEX 921910873 22 238 SH   SOLE   0 0 238
VANGUARD WORLD FD MEGA GRWTH IND 921910816 17 137 SH   SOLE   0 0 137
VANGUARD INDEX FDS MID CAP ETF 922908629 23 172 SH   SOLE   0 0 172
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 172 2,467 SH   SOLE   0 0 2,467
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 168 709 SH   SOLE   0 0 709
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1 10 SH   SOLE   0 0 10
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 30,316 622,252 SH   SOLE   0 0 622,252
VANGUARD INDEX FDS SMALL CP ETF 922908751 118 1,020 SH   SOLE   0 0 1,020
VANGUARD INDEX FDS SML CP GRW ETF 922908595 22 149 SH   SOLE   0 0 149
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14 162 SH   SOLE   0 0 162
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 298 5,639 SH   SOLE   0 0 5,639
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 65,248 764,476 SH   SOLE   0 0 764,476
VANGUARD INDEX FDS TOTAL STK MKT 922908769 168 1,300 SH   SOLE   0 0 1,300
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 14,215 226,361 SH   SOLE   0 0 226,361
VANGUARD WORLD FDS UTILITIES ETF 92204A876 5 40 SH   SOLE   0 0 40
VANGUARD INDEX FDS VALUE ETF 922908744 104 1,168 SH   SOLE   0 0 1,168
VERIZON COMMUNICATIONS INC COM 92343V104 1,513 28,155 SH   SOLE   0 0 28,155
VISA INC COM CL A 92826C839 797 4,945 SH   SOLE   0 0 4,945
WALGREENS BOOTS ALLIANCE INC COM 931427108 370 8,083 SH   SOLE   0 0 8,083
WALMART INC COM 931142103 1,392 12,251 SH   SOLE   0 0 12,251
WELLS FARGO CO NEW COM 949746101 292 10,169 SH   SOLE   0 0 10,169
WISDOMTREE TR US MULTIFACTOR 97717Y857 21,407 873,053 SH   SOLE   0 0 873,053