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
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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
BK OF AMERICA CORP COM 060505104 201 4,727 SH   SOLE   0 0 4,727
CAPITAL ONE FINL CORP COM 14040H105 208 1,282 SH   SOLE   0 0 1,282
ISHARES SILVER TR ISHARES 46428Q109 208 10,114 SH   SOLE   0 0 10,114
ISHARES TR CORE MSCI TOTAL 46432F834 211 2,975 SH   SOLE   0 0 2,975
SPDR GOLD TR GOLD SHS 78463V107 218 1,328 SH   SOLE   0 0 1,328
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 227 2,965 SH   SOLE   0 0 2,965
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 257 4,773 SH   SOLE   0 0 4,773
SCHWAB STRATEGIC TR US TIPS ETF 808524870 261 4,173 SH   SOLE   0 0 4,173
PAYPAL HLDGS INC COM 70450Y103 280 1,076 SH   SOLE   0 0 1,076
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 343 1,256 SH   SOLE   0 0 1,256
ISHARES TR CORE US AGGBD ET 464287226 369 3,212 SH   SOLE   0 0 3,212
AMAZON COM INC COM 023135106 459 140 SH   SOLE   0 0 140
US BANCORP DEL COM NEW 902973304 472 7,943 SH   SOLE   0 0 7,943
TESLA INC COM 88160R101 563 725 SH   SOLE   0 0 725
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 601 6,847 SH   SOLE   0 0 6,847
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 660 17,043 SH   SOLE   0 0 17,043
ALPHABET INC CAP STK CL A 02079K305 699 262 SH   SOLE   0 0 262
HORMEL FOODS CORP COM 440452100 740 18,040 SH   SOLE   0 0 18,040
MEDIFAST INC COM 58470H101 765 3,971 SH   SOLE   0 0 3,971
CLOROX CO DEL COM 189054109 765 4,622 SH   SOLE   0 0 4,622
BHP GROUP LTD SPONSORED ADS 088606108 813 15,194 SH   SOLE   0 0 15,194
ONE GAS INC COM 68235P108 836 13,189 SH   SOLE   0 0 13,189
ULTA BEAUTY INC COM 90384S303 847 2,347 SH   SOLE   0 0 2,347
VIRTU FINL INC CL A 928254101 855 34,994 SH   SOLE   0 0 34,994
STRATEGIC ED INC COM 86272C103 862 12,229 SH   SOLE   0 0 12,229
AT&T INC COM 00206R102 862 31,911 SH   SOLE   0 0 31,911
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 879 22,998 SH   SOLE   0 0 22,998
FMC CORP COM NEW 302491303 893 9,750 SH   SOLE   0 0 9,750
KELLOGG CO COM 487836108 893 13,975 SH   SOLE   0 0 13,975
ISHARES TR CORE S&P TTL STK 464287150 910 9,249 SH   SOLE   0 0 9,249
GENERAL MLS INC COM 370334104 911 15,222 SH   SOLE   0 0 15,222
HCA HEALTHCARE INC COM 40412C101 923 3,804 SH   SOLE   0 0 3,804
ONEMAIN HLDGS INC COM 68268W103 932 16,841 SH   SOLE   0 0 16,841
NETAPP INC COM 64110D104 964 10,744 SH   SOLE   0 0 10,744
UNILEVER PLC SPON ADR NEW 904767704 969 17,879 SH   SOLE   0 0 17,879
3M CO COM 88579Y101 971 5,533 SH   SOLE   0 0 5,533
KIMBERLY-CLARK CORP COM 494368103 985 7,434 SH   SOLE   0 0 7,434
LOWES COS INC COM 548661107 991 4,887 SH   SOLE   0 0 4,887
LANCASTER COLONY CORP COM 513847103 1,016 6,018 SH   SOLE   0 0 6,018
ABBOTT LABS COM 002824100 1,025 8,677 SH   SOLE   0 0 8,677
MARRIOTT INTL INC NEW CL A 571903202 1,028 6,945 SH   SOLE   0 0 6,945
RENT A CTR INC NEW COM 76009N100 1,040 18,495 SH   SOLE   0 0 18,495
MODERNA INC COM 60770K107 1,043 2,710 SH   SOLE   0 0 2,710
BRISTOL-MYERS SQUIBB CO COM 110122108 1,049 17,724 SH   SOLE   0 0 17,724
COLGATE PALMOLIVE CO COM 194162103 1,052 13,919 SH   SOLE   0 0 13,919
EMERSON ELEC CO COM 291011104 1,071 11,369 SH   SOLE   0 0 11,369
UNITED PARCEL SERVICE INC CL B 911312106 1,091 5,993 SH   SOLE   0 0 5,993
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 1,103 11,752 SH   SOLE   0 0 11,752
AMDOCS LTD SHS G02602103 1,111 14,676 SH   SOLE   0 0 14,676
ALLSTATE CORP COM 020002101 1,134 8,911 SH   SOLE   0 0 8,911
INTERNATIONAL BUSINESS MACHS COM 459200101 1,147 8,259 SH   SOLE   0 0 8,259
INFOSYS LTD SPONSORED ADR 456788108 1,152 51,785 SH   SOLE   0 0 51,785
DEVON ENERGY CORP NEW COM 25179M103 1,168 32,881 SH   SOLE   0 0 32,881
NUCOR CORP COM 670346105 1,170 11,880 SH   SOLE   0 0 11,880
NATIONAL BK HLDGS CORP CL A 633707104 1,175 29,027 SH   SOLE   0 0 29,027
PREMIER INC CL A 74051N102 1,177 30,356 SH   SOLE   0 0 30,356
GILEAD SCIENCES INC COM 375558103 1,178 16,860 SH   SOLE   0 0 16,860
MOODYS CORP COM 615369105 1,180 3,322 SH   SOLE   0 0 3,322
EMPLOYERS HLDGS INC COM 292218104 1,191 30,158 SH   SOLE   0 0 30,158
JOHNSON & JOHNSON COM 478160104 1,196 7,406 SH   SOLE   0 0 7,406
GARTNER INC COM 366651107 1,220 4,013 SH   SOLE   0 0 4,013
MCDONALDS CORP COM 580135101 1,229 5,096 SH   SOLE   0 0 5,096
HP INC COM 40434L105 1,256 45,918 SH   SOLE   0 0 45,918
CISCO SYS INC COM 17275R102 1,257 23,093 SH   SOLE   0 0 23,093
PAYCHEX INC COM 704326107 1,264 11,242 SH   SOLE   0 0 11,242
FORTINET INC COM 34959E109 1,281 4,388 SH   SOLE   0 0 4,388
LILLY ELI & CO COM 532457108 1,283 5,554 SH   SOLE   0 0 5,554
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,336 4,175 SH   SOLE   0 0 4,175
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,382 13,282 SH   SOLE   0 0 13,282
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,428 22,573 SH   SOLE   0 0 22,573
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 1,431 17,341 SH   SOLE   0 0 17,341
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,437 21,279 SH   SOLE   0 0 21,279
ALTRIA GROUP INC COM 02209S103 1,512 33,219 SH   SOLE   0 0 33,219
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,593 15,655 SH   SOLE   0 0 15,655
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,641 26,719 SH   SOLE   0 0 26,719
PHILIP MORRIS INTL INC COM 718172109 1,642 17,327 SH   SOLE   0 0 17,327
VANGUARD WORLD FD ESG US CORP BD 921910691 1,680 22,776 SH   SOLE   0 0 22,776
VERIZON COMMUNICATIONS INC COM 92343V104 1,759 32,563 SH   SOLE   0 0 32,563
AMGEN INC COM 031162100 1,779 8,366 SH   SOLE   0 0 8,366
QUALCOMM INC COM 747525103 1,800 13,953 SH   SOLE   0 0 13,953
MERCK & CO INC COM 58933Y105 1,804 24,015 SH   SOLE   0 0 24,015
INTEL CORP COM 458140100 2,140 40,162 SH   SOLE   0 0 40,162
PFIZER INC COM 717081103 2,189 50,906 SH   SOLE   0 0 50,906
ISHARES INC CORE MSCI EMKT 46434G103 2,203 35,667 SH   SOLE   0 0 35,667
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,204 25,794 SH   SOLE   0 0 25,794
MICROSOFT CORP COM 594918104 2,236 7,930 SH   SOLE   0 0 7,930
BLOCK H & R INC COM 093671105 2,474 98,978 SH   SOLE   0 0 98,978
HOME DEPOT INC COM 437076102 2,596 7,908 SH   SOLE   0 0 7,908
TEXAS INSTRS INC COM 882508104 2,653 13,802 SH   SOLE   0 0 13,802
NOVO-NORDISK A S ADR 670100205 2,692 28,034 SH   SOLE   0 0 28,034
BROADCOM INC COM 11135F101 2,851 5,879 SH   SOLE   0 0 5,879
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 3,179 36,444 SH   SOLE   0 0 36,444
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,198 48,416 SH   SOLE   0 0 48,416
APPLE INC COM 037833100 3,301 23,331 SH   SOLE   0 0 23,331
ABBVIE INC COM 00287Y109 3,319 30,770 SH   SOLE   0 0 30,770
VANGUARD WORLD FD ESG INTL STK ETF 921910725 3,676 59,537 SH   SOLE   0 0 59,537
NIKE INC CL B 654106103 4,049 27,880 SH   SOLE   0 0 27,880
VANGUARD WORLD FD ESG US STK ETF 921910733 4,396 54,905 SH   SOLE   0 0 54,905
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,591 20,675 SH   SOLE   0 0 20,675
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,861 44,670 SH   SOLE   0 0 44,670
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,934 67,097 SH   SOLE   0 0 67,097
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,375 167,465 SH   SOLE   0 0 167,465
ISHARES TR CORE MSCI EAFE 46432F842 8,826 118,867 SH   SOLE   0 0 118,867
ISHARES TR CORE S&P SCP ETF 464287804 10,920 100,009 SH   SOLE   0 0 100,009
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 11,164 109,101 SH   SOLE   0 0 109,101
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 11,187 204,251 SH   SOLE   0 0 204,251
VANGUARD BD INDEX FDS INTERMED TERM 921937819 15,333 171,429 SH   SOLE   0 0 171,429
ISHARES TR CORE S&P500 ETF 464287200 20,339 47,209 SH   SOLE   0 0 47,209
ISHARES TR CORE S&P MCP ETF 464287507 20,859 79,291 SH   SOLE   0 0 79,291
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 23,437 411,457 SH   SOLE   0 0 411,457
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 27,272 332,825 SH   SOLE   0 0 332,825
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 34,660 686,481 SH   SOLE   0 0 686,481
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 83,549 211,837 SH   SOLE   0 0 211,837