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 2,138 10,765 SH   SOLE   0 0 10,765
ABBVIE INC COM 00287Y109 953 8,457 SH   SOLE   0 0 8,457
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,982 6,800 SH   SOLE   0 0 6,800
AIR PRODS & CHEMS INC COM 009158106 1,594 5,541 SH   SOLE   0 0 5,541
ALPHABET INC CAP STK CL A 02079K305 8,761 3,588 SH   SOLE   0 0 3,588
ALPHABET INC CAP STK CL C 02079K107 1,286 513 SH   SOLE   0 0 513
ALTRIA GROUP INC COM 02209S103 630 13,206 SH   SOLE   0 0 13,206
AMAZON COM INC COM 023135106 10,173 2,957 SH   SOLE   0 0 2,957
AMERICAN EXPRESS CO COM 025816109 2,921 17,675 SH   SOLE   0 0 17,675
AMGEN INC COM 031162100 3,383 13,880 SH   SOLE   0 0 13,880
APPLE INC COM 037833100 14,035 102,472 SH   SOLE   0 0 102,472
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,850 24,647 SH   SOLE   0 0 24,647
BK OF AMERICA CORP COM 060505104 5,590 135,576 SH   SOLE   0 0 135,576
BLACKROCK INC COM 09247X101 959 1,095 SH   SOLE   0 0 1,095
BRISTOL-MYERS SQUIBB CO COM 110122108 600 8,986 SH   SOLE   0 0 8,986
CATERPILLAR INC COM 149123101 318 1,461 SH   SOLE   0 0 1,461
CHEVRON CORP NEW COM 166764100 2,679 25,576 SH   SOLE   0 0 25,576
CISCO SYS INC COM 17275R102 3,376 63,704 SH   SOLE   0 0 63,704
COCA COLA CO COM 191216100 986 18,220 SH   SOLE   0 0 18,220
COLGATE PALMOLIVE CO COM 194162103 765 9,401 SH   SOLE   0 0 9,401
COMCAST CORP NEW CL A 20030N101 2,617 45,896 SH   SOLE   0 0 45,896
CONOCOPHILLIPS COM 20825C104 2,195 36,042 SH   SOLE   0 0 36,042
COSTCO WHSL CORP NEW COM 22160K105 2,171 5,487 SH   SOLE   0 0 5,487
CUMMINS INC COM 231021106 314 1,289 SH   SOLE   0 0 1,289
CVS HEALTH CORP COM 126650100 1,709 20,485 SH   SOLE   0 0 20,485
DISNEY WALT CO COM 254687106 3,150 17,918 SH   SOLE   0 0 17,918
DUKE ENERGY CORP NEW COM NEW 26441C204 1,374 13,919 SH   SOLE   0 0 13,919
EATON CORP PLC SHS G29183103 285 1,923 SH   SOLE   0 0 1,923
EMERSON ELEC CO COM 291011104 388 4,027 SH   SOLE   0 0 4,027
FACEBOOK INC CL A 30303M102 3,188 9,169 SH   SOLE   0 0 9,169
FIFTH THIRD BANCORP COM 316773100 225 5,877 SH   SOLE   0 0 5,877
FS KKR CAP CORP COM 302635206 213 9,893 SH   SOLE   0 0 9,893
GENERAL DYNAMICS CORP COM 369550108 1,383 7,344 SH   SOLE   0 0 7,344
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 225 2,246 SH   SOLE   0 0 2,246
HOME DEPOT INC COM 437076102 4,837 15,168 SH   SOLE   0 0 15,168
HONEYWELL INTL INC COM 438516106 2,840 12,948 SH   SOLE   0 0 12,948
ILLINOIS TOOL WKS INC COM 452308109 328 1,464 SH   SOLE   0 0 1,464
INTEL CORP COM 458140100 1,051 18,719 SH   SOLE   0 0 18,719
INTERNATIONAL BUSINESS MACHS COM 459200101 1,068 7,283 SH   SOLE   0 0 7,283
INTERNATIONAL PAPER CO COM 460146103 304 4,957 SH   SOLE   0 0 4,957
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 370 24,147 SH   SOLE   0 0 24,147
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 238 5,390 SH   SOLE   0 0 5,390
INVESCO QQQ TR UNIT SER 1 46090E103 393 1,107 SH   SOLE   0 0 1,107
IQVIA HLDGS INC COM 46266C105 420 1,732 SH   SOLE   0 0 1,732
ISHARES INC CORE MSCI EMKT 46434G103 219 3,267 SH   SOLE   0 0 3,267
ISHARES TR 0-5YR INVT GR CP 46434V100 302 5,829 SH   SOLE   0 0 5,829
ISHARES TR CORE MSCI EAFE 46432F842 9,472 126,536 SH   SOLE   0 0 126,536
ISHARES TR CORE S&P MCP ETF 464287507 4,588 17,074 SH   SOLE   0 0 17,074
ISHARES TR CORE S&P SCP ETF 464287804 4,485 39,694 SH   SOLE   0 0 39,694
ISHARES TR CORE S&P TTL STK 464287150 16,029 162,299 SH   SOLE   0 0 162,299
ISHARES TR CORE S&P500 ETF 464287200 11,625 27,039 SH   SOLE   0 0 27,039
ISHARES TR IBOXX INV CP ETF 464287242 2,422 18,024 SH   SOLE   0 0 18,024
ISHARES TR INTL SEL DIV ETF 464288448 529 16,329 SH   SOLE   0 0 16,329
ISHARES TR ISHS 5-10YR INVT 464288638 305 5,044 SH   SOLE   0 0 5,044
ISHARES TR JPMORGAN USD EMG 464288281 211 1,874 SH   SOLE   0 0 1,874
ISHARES TR NATIONAL MUN ETF 464288414 253 2,162 SH   SOLE   0 0 2,162
ISHARES TR RUS 1000 GRW ETF 464287614 442 1,626 SH   SOLE   0 0 1,626
ISHARES TR RUS MD CP GR ETF 464287481 314 2,770 SH   SOLE   0 0 2,770
ISHARES TR RUS MDCP VAL ETF 464287473 255 2,218 SH   SOLE   0 0 2,218
ISHARES TR RUS MID CAP ETF 464287499 452 5,700 SH   SOLE   0 0 5,700
ISHARES TR RUSSELL 2000 ETF 464287655 265 1,155 SH   SOLE   0 0 1,155
ISHARES TR SHORT TREAS BD 464288679 312 2,827 SH   SOLE   0 0 2,827
ISHARES TR SHRT NAT MUN ETF 464288158 583 5,410 SH   SOLE   0 0 5,410
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 863 17,005 SH   SOLE   0 0 17,005
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 528 10,512 SH   SOLE   0 0 10,512
JOHNSON & JOHNSON COM 478160104 6,433 39,051 SH   SOLE   0 0 39,051
JPMORGAN CHASE & CO COM 46625H100 6,696 43,050 SH   SOLE   0 0 43,050
KIMBERLY-CLARK CORP COM 494368103 635 4,749 SH   SOLE   0 0 4,749
L3HARRIS TECHNOLOGIES INC COM 502431109 1,349 6,240 SH   SOLE   0 0 6,240
LILLY ELI & CO COM 532457108 524 2,284 SH   SOLE   0 0 2,284
LOCKHEED MARTIN CORP COM 539830109 791 2,090 SH   SOLE   0 0 2,090
MCDONALDS CORP COM 580135101 2,762 11,956 SH   SOLE   0 0 11,956
MEDTRONIC PLC SHS G5960L103 2,666 21,475 SH   SOLE   0 0 21,475
MERCK & CO INC COM 58933Y105 3,286 42,253 SH   SOLE   0 0 42,253
MICROSOFT CORP COM 594918104 14,989 55,331 SH   SOLE   0 0 55,331
MONDELEZ INTL INC CL A 609207105 2,503 40,078 SH   SOLE   0 0 40,078
NEXTERA ENERGY INC COM 65339F101 1,516 20,686 SH   SOLE   0 0 20,686
NIKE INC CL B 654106103 2,997 19,397 SH   SOLE   0 0 19,397
ORACLE CORP COM 68389X105 202 2,588 SH   SOLE   0 0 2,588
PAYPAL HLDGS INC COM 70450Y103 2,914 9,997 SH   SOLE   0 0 9,997
PEPSICO INC COM 713448108 3,839 25,906 SH   SOLE   0 0 25,906
PFIZER INC COM 717081103 5,199 132,767 SH   SOLE   0 0 132,767
PHILIP MORRIS INTL INC COM 718172109 322 3,249 SH   SOLE   0 0 3,249
PHILLIPS 66 COM 718546104 1,870 21,793 SH   SOLE   0 0 21,793
PIMCO ETF TR ACTIVE BD ETF 72201R775 702 6,323 SH   SOLE   0 0 6,323
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 7,548 74,022 SH   SOLE   0 0 74,022
PNC FINL SVCS GROUP INC COM 693475105 233 1,220 SH   SOLE   0 0 1,220
PRICE T ROWE GROUP INC COM 74144T108 751 3,795 SH   SOLE   0 0 3,795
PROCTER AND GAMBLE CO COM 742718109 3,517 26,066 SH   SOLE   0 0 26,066
QUALCOMM INC COM 747525103 1,027 7,188 SH   SOLE   0 0 7,188
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,459 17,100 SH   SOLE   0 0 17,100
SALESFORCE COM INC COM 79466L302 3,391 13,883 SH   SOLE   0 0 13,883
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 14,385 190,225 SH   SOLE   0 0 190,225
SPDR SER TR BLOMBERG BRC INV 78468R200 3,097 101,035 SH   SOLE   0 0 101,035
SPDR SER TR PORTFOLIO SH TSR 78468R101 205 6,696 SH   SOLE   0 0 6,696
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 770 15,911 SH   SOLE   0 0 15,911
STARBUCKS CORP COM 855244109 3,630 32,467 SH   SOLE   0 0 32,467
TEXAS INSTRS INC COM 882508104 1,278 6,644 SH   SOLE   0 0 6,644
THERMO FISHER SCIENTIFIC INC COM 883556102 2,304 4,566 SH   SOLE   0 0 4,566
UBS AG LONDON BRANCH EN LG CP GRWTH 902677780 245 353 SH   SOLE   0 0 353
UNION PAC CORP COM 907818108 2,476 11,259 SH   SOLE   0 0 11,259
UNITED PARCEL SERVICE INC CL B 911312106 825 3,969 SH   SOLE   0 0 3,969
UNITEDHEALTH GROUP INC COM 91324P102 4,671 11,665 SH   SOLE   0 0 11,665
US BANCORP DEL COM NEW 902973304 856 15,020 SH   SOLE   0 0 15,020
VALERO ENERGY CORP COM 91913Y100 285 3,650 SH   SOLE   0 0 3,650
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 815 9,917 SH   SOLE   0 0 9,917
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,885 126,732 SH   SOLE   0 0 126,732
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 6,764 35,866 SH   SOLE   0 0 35,866
VANGUARD INDEX FDS MID CAP ETF 922908629 545 2,295 SH   SOLE   0 0 2,295
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,036 4,649 SH   SOLE   0 0 4,649
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 6,632 104,615 SH   SOLE   0 0 104,615
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 256 4,720 SH   SOLE   0 0 4,720
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,764 52,729 SH   SOLE   0 0 52,729
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 399 4,823 SH   SOLE   0 0 4,823
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,084 176,312 SH   SOLE   0 0 176,312
VANGUARD WORLD FD MEGA CAP INDEX 921910873 330 2,166 SH   SOLE   0 0 2,166
VANGUARD WORLD FD MEGA GRWTH IND 921910816 12,490 53,979 SH   SOLE   0 0 53,979
VERIZON COMMUNICATIONS INC COM 92343V104 4,174 74,502 SH   SOLE   0 0 74,502
VISA INC COM CL A 92826C839 4,603 19,685 SH   SOLE   0 0 19,685
WALMART INC COM 931142103 3,935 27,902 SH   SOLE   0 0 27,902
WASTE MGMT INC DEL COM 94106L109 1,464 10,448 SH   SOLE   0 0 10,448
WISDOMTREE TR CBOE S&P 500 97717X560 2,289 72,088 SH   SOLE   0 0 72,088
WISDOMTREE TR CURRNCY INT EQ 97717X263 4,215 137,301 SH   SOLE   0 0 137,301
WISDOMTREE TR US QTLY DIV GRT 97717X669 17,627 295,403 SH   SOLE   0 0 295,403