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
ABBOTT LABS COM 002824100 1,911 17,420 SH   SOLE   17,420 0 0
ADVANCE AUTO PARTS INC COM 00751Y106 283 1,802 SH   SOLE   1,802 0 0
ALPHABET INC CAP STK CL C 02079K107 349 198 SH   SOLE   198 0 0
ALTRIA GROUP INC COM 02209S103 899 22,051 SH   SOLE   22,051 0 0
AMAZON COM INC COM 023135106 487 149 SH   SOLE   149 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,641 19,741 SH   SOLE   19,741 0 0
AMERICAN EXPRESS CO COM 025816109 1,895 15,656 SH   SOLE   15,656 0 0
APPLE INC COM 037833100 266 2,000 SH   SOLE   2,000 0 0
BANK NEW YORK MELLON CORP COM 064058100 1,742 41,120 SH   SOLE   41,120 0 0
BECTON DICKINSON & CO COM 075887109 1,863 7,380 SH   SOLE   7,380 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,047 8,826 SH   SOLE   8,826 0 0
BLACKROCK INC COM 09247X101 2,804 3,893 SH   SOLE   3,893 0 0
BOOKING HOLDINGS INC COM 09857L108 304 136 SH   SOLE   136 0 0
BRIGHT HORIZONS FAM SOL IN D COM 109194100 346 1,994 SH   SOLE   1,994 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 631 16,806 SH   SOLE   16,806 0 0
BROADCOM INC COM 11135F101 806 1,840 SH   SOLE   1,840 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 450 3,293 SH   SOLE   3,293 0 0
CARMAX INC COM 143130102 245 2,571 SH   SOLE   2,571 0 0
CATALENT INC COM 148806102 349 3,367 SH   SOLE   3,367 0 0
CISCO SYS INC COM 17275R102 1,702 37,913 SH   SOLE   37,913 0 0
CME GROUP INC COM 12572Q105 1,773 9,753 SH   SOLE   9,753 0 0
COCA COLA CO COM 191216100 2,195 40,096 SH   SOLE   40,096 0 0
COMCAST CORP NEW CL A 20030N101 2,305 44,036 SH   SOLE   44,036 0 0
CORTEVA INC COM 22052L104 2,470 63,723 SH   SOLE   63,723 0 0
CSX CORP COM 126408103 247 2,724 SH   SOLE   2,724 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 1,836 11,576 SH   SOLE   11,576 0 0
DISNEY WALT CO COM 254687106 359 1,974 SH   SOLE   1,974 0 0
EBAY INC. COM 278642103 307 6,094 SH   SOLE   6,094 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 205 2,250 SH   SOLE   2,250 0 0
FACEBOOK INC CL A 30303M102 295 1,083 SH   SOLE   1,083 0 0
FEDEX CORP COM 31428X106 348 1,340 SH   SOLE   1,340 0 0
FIRSTSERVICE CORP NEW COM 33767E202 330 2,419 SH   SOLE   2,419 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 275 1,045 SH   SOLE   1,045 0 0
GUIDEWIRE SOFTWARE INC COM 40171V100 253 1,992 SH   SOLE   1,992 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,188 18,951 SH   SOLE   18,951 0 0
ISHARES GOLD TRUST ISHARES 464285105 14,914 822,646 SH   SOLE   822,646 0 0
ISHARES TR A RATE CP BD ETF 46429B291 4,955 84,603 SH   SOLE   84,603 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 13,833 115,318 SH   SOLE   115,318 0 0
ISHARES TR CORE S&P MCP ETF 464287507 11,192 48,708 SH   SOLE   48,708 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,684 83,458 SH   SOLE   83,458 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,515 4,035 SH   SOLE   4,035 0 0
ISHARES TR CORE US AGGBD ET 464287226 5,363 45,416 SH   SOLE   45,416 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 662 13,076 SH   SOLE   13,076 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 619 30,546 SH   SOLE   30,546 0 0
ISHARES TR S&P MC 400GR ETF 464287606 216 2,984 SH   SOLE   2,984 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,865 56,403 SH   SOLE   56,403 0 0
ISHARES TR SP SMCP600VL ETF 464287879 7,494 92,124 SH   SOLE   92,124 0 0
JOHNSON & JOHNSON COM 478160104 2,038 12,937 SH   SOLE   12,937 0 0
JPMORGAN CHASE & CO COM 46625H100 2,484 19,560 SH   SOLE   19,560 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 285 1,397 SH   SOLE   1,397 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 271 1,324 SH   SOLE   1,324 0 0
LOCKHEED MARTIN CORP COM 539830109 479 1,350 SH   SOLE   1,350 0 0
LOWES COS INC COM 548661107 264 1,647 SH   SOLE   1,647 0 0
MARKEL CORP COM 570535104 236 230 SH   SOLE   230 0 0
MARTIN MARIETTA MATLS INC COM 573284106 247 872 SH   SOLE   872 0 0
MASTERCARD INCORPORATED CL A 57636Q104 251 702 SH   SOLE   702 0 0
MONDELEZ INTL INC CL A 609207105 2,051 35,042 SH   SOLE   35,042 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 262 2,838 SH   SOLE   2,838 0 0
MOODYS CORP COM 615369105 303 1,048 SH   SOLE   1,048 0 0
NORFOLK SOUTHN CORP COM 655844108 250 1,048 SH   SOLE   1,048 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,885 20,002 SH   SOLE   20,002 0 0
NVIDIA CORPORATION COM 67066G104 343 659 SH   SOLE   659 0 0
ORACLE CORP COM 68389X105 2,124 32,715 SH   SOLE   32,715 0 0
PAYPAL HLDGS INC COM 70450Y103 428 1,828 SH   SOLE   1,828 0 0
PERKINELMER INC COM 714046109 301 2,090 SH   SOLE   2,090 0 0
PHILIP MORRIS INTL INC COM 718172109 1,794 21,676 SH   SOLE   21,676 0 0
PHILLIPS 66 COM 718546104 1,122 16,059 SH   SOLE   16,059 0 0
POST HLDGS INC COM 737446104 226 2,214 SH   SOLE   2,214 0 0
PROGRESSIVE CORP COM 743315103 1,986 20,092 SH   SOLE   20,092 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,058 17,268 SH   SOLE   17,268 0 0
REPUBLIC SVCS INC COM 760759100 2,010 20,865 SH   SOLE   20,865 0 0
S&P GLOBAL INC COM 78409V104 296 898 SH   SOLE   898 0 0
SALESFORCE COM INC COM 79466L302 291 1,321 SH   SOLE   1,321 0 0
SCHWAB CHARLES CORP COM 808513105 328 6,205 SH   SOLE   6,205 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 345 9,060 SH   SOLE   9,060 0 0
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 262 4,981 SH   SOLE   4,981 0 0
SIMPLY GOOD FOODS CO COM 82900L102 359 11,547 SH   SOLE   11,547 0 0
SOUTHWEST AIRLS CO COM 844741108 237 5,080 SH   SOLE   5,080 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 857 2,292 SH   SOLE   2,292 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 292 4,281 SH   SOLE   4,281 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 2,302 25,106 SH   SOLE   25,106 0 0
STARBUCKS CORP COM 855244109 2,457 22,957 SH   SOLE   22,957 0 0
STERICYCLE INC COM 858912108 273 3,949 SH   SOLE   3,949 0 0
TARGET CORP COM 87612E106 2,642 14,993 SH   SOLE   14,993 0 0
TEXAS INSTRS INC COM 882508104 362 2,205 SH   SOLE   2,205 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 218 1,500 SH   SOLE   1,500 0 0
TWITTER INC COM 90184L102 318 5,876 SH   SOLE   5,876 0 0
ULTA BEAUTY INC COM 90384S303 327 1,139 SH   SOLE   1,139 0 0
UNION PAC CORP COM 907818108 2,009 9,679 SH   SOLE   9,679 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,316 13,761 SH   SOLE   13,761 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,126 12,840 SH   SOLE   12,840 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,717 19,094 SH   SOLE   19,094 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 759 15,132 SH   SOLE   15,132 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,336 42,397 SH   SOLE   42,397 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 751 9,169 SH   SOLE   9,169 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 828 17,595 SH   SOLE   17,595 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 3,958 19,425 SH   SOLE   19,425 0 0
VERISK ANALYTICS INC COM 92345Y106 273 1,325 SH   SOLE   1,325 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,820 31,023 SH   SOLE   31,023 0 0
VISA INC COM CL A 92826C839 307 1,402 SH   SOLE   1,402 0 0
WASTE MGMT INC DEL COM 94106L109 1,910 16,165 SH   SOLE   16,165 0 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 4,695 118,313 SH   SOLE   118,313 0 0