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 415 2,594 SH   SOLE NONE 0 0 2,594
A T & T INC COM 00206R102 553 19,403 SH   SOLE NONE 0 0 19,403
ABBOTT LABORATORIES COM 002824100 241 2,216 SH   SOLE NONE 0 0 2,216
ABBVIE INC COM 00287Y109 323 3,698 SH   SOLE NONE 0 0 3,698
ADOBE INC COM 00724F101 823 1,680 SH   SOLE NONE 0 0 1,680
ALBEMARLE CORP COM 012653101 891 9,989 SH   SOLE NONE 0 0 9,989
ALTRIA GROUP INC COM 02209S103 326 8,448 SH   SOLE NONE 0 0 8,448
AMAZON.COM INC COM 023135106 3,794 1,205 SH   SOLE NONE 0 0 1,205
AMERICAN FIN TRUST INC COM CLASS A 02607T109 115 18,346 SH   SOLE NONE 0 0 18,346
AMGEN INC. COM 031162100 2,173 8,550 SH   SOLE NONE 0 0 8,550
APPLE INC COM 037833100 9,206 79,498 SH   SOLE NONE 0 0 79,498
ASTRAZENECA PLC F SPONSORED ADR 046353108 567 10,360 SH   SOLE NONE 0 0 10,360
BANK OF AMERICA CORP COM 060505104 236 9,808 SH   SOLE NONE 0 0 9,808
BERKSHIRE HATHAWAY CL B NEW 084670702 4,448 20,892 SH   SOLE NONE 0 0 20,892
BRCLYS BK IPATH BLOOM DJUBS CMDT ETN36 06738C778 338 17,365 SH   SOLE NONE 0 0 17,365
BRISTOL-MYERS SQUIBB COM 110122108 1,348 22,367 SH   SOLE NONE 0 0 22,367
CATERPILLAR INC COM 149123101 720 4,831 SH   SOLE NONE 0 0 4,831
CHARLES SCHWAB CORP COM 808513105 366 10,113 SH   SOLE NONE 0 0 10,113
CHARLES SCHWAB US ETF IV US REIT ETF 808524847 1,647 46,579 SH   SOLE NONE 0 0 46,579
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 9,485 170,980 SH   SOLE NONE 0 0 170,980
CIRRUS LOGIC INC COM 172755100 314 4,666 SH   SOLE NONE 0 0 4,666
CISCO SYSTEMS INC COM 17275R102 364 9,253 SH   SOLE NONE 0 0 9,253
COMCAST CORP CL A 20030N101 267 5,783 SH   SOLE NONE 0 0 5,783
CONSTELLATION BRAND CL A 21036P108 387 2,047 SH   SOLE NONE 0 0 2,047
COSTCO WHOLESALE CO COM 22160K105 335 946 SH   SOLE NONE 0 0 946
CSX CORP COM 126408103 571 7,353 SH   SOLE NONE 0 0 7,353
DEERE & CO COM 244199105 1,672 7,548 SH   SOLE NONE 0 0 7,548
DELTA AIR LINES INC DEL COM NEW 247361702 244 8,003 SH   SOLE NONE 0 0 8,003
DOW INC COM 260557103 241 5,132 SH   SOLE NONE 0 0 5,132
DUKE ENERGY CORP COM NEW 26441C204 588 6,646 SH   SOLE NONE 0 0 6,646
DUNKIN BRANDS GROUP COM 265504100 574 7,012 SH   SOLE NONE 0 0 7,012
ENTERPRISE PRODS PART LP COM 293792107 236 15,009 SH   SOLE NONE 0 0 15,009
EXXON MOBIL CORP COM 30231G102 709 20,673 SH   SOLE NONE 0 0 20,673
GAMCO GLOBAL GOLD NTRL R COM SH BEN INT 36465A109 60 17,825 SH   SOLE NONE 0 0 17,825
GENERAL DYNAMICS CO COM 369550108 280 2,025 SH   SOLE NONE 0 0 2,025
GENERAL ELECTRIC CO COM 369604103 228 36,689 SH   SOLE NONE 0 0 36,689
GILEAD SCIENCES INC COM 375558103 373 5,911 SH   SOLE NONE 0 0 5,911
GLOBAL PAYMENTS INC COM 37940X102 323 1,821 SH   SOLE NONE 0 0 1,821
GLOBAL X MLP & ENERGY GLB X MLP ENRG I 37954Y293 773 35,015 SH   SOLE NONE 0 0 35,015
HERSHEY CO COM 427866108 447 3,120 SH   SOLE NONE 0 0 3,120
HOME DEPOT INC COM 437076102 1,566 5,642 SH   SOLE NONE 0 0 5,642
IBM CORP COM 459200101 224 1,844 SH   SOLE NONE 0 0 1,844
INTEL CORP COM 458140100 1,347 26,018 SH   SOLE NONE 0 0 26,018
INVESCO PREFERRED ETF PFD ETF 46138E511 2,313 157,031 SH   SOLE NONE 0 0 157,031
INVESCO QQQ TRUST UNIT SER 1 46090E103 2,912 10,483 SH   SOLE NONE 0 0 10,483
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,369 12,672 SH   SOLE NONE 0 0 12,672
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 715 13,345 SH   SOLE NONE 0 0 13,345
INVESCO S&P SMALLCAP S&P SMLCP INFO 46138E115 385 4,456 SH   SOLE NONE 0 0 4,456
INVESCO SOLAR ETF SOLAR ETF 46138G706 2,615 40,368 SH   SOLE NONE 0 0 40,368
ISHARES 1-3 YEAR TREASRY 1 3 YR TREAS BD 464287457 2,216 25,622 SH   SOLE NONE 0 0 25,622
ISHARES BRD USD INV GRD USD INV GRDE ETF 464288620 907 14,924 SH   SOLE NONE 0 0 14,924
ISHARES CORE DIVIDEND CORE DIV GRWTH 46434V621 1,243 31,244 SH   SOLE NONE 0 0 31,244
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 1,218 15,146 SH   SOLE NONE 0 0 15,146
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 4,332 82,049 SH   SOLE NONE 0 0 82,049
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 4,664 77,384 SH   SOLE NONE 0 0 77,384
ISHARES CORE MSCI EUROPE CORE MSCI EURO 46434V738 432 9,672 SH   SOLE NONE 0 0 9,672
ISHARES CORE S&P CORE S&P SCP ETF 464287804 1,595 22,717 SH   SOLE NONE 0 0 22,717
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 8,065 24,000 SH   SOLE NONE 0 0 24,000
ISHARES CORE S&P MID-CAP CORE S&P MCP ETF 464287507 968 5,226 SH   SOLE NONE 0 0 5,226
ISHARES CORE S&P TOTAL CORE S&P TTL STK 464287150 1,106 14,652 SH   SOLE NONE 0 0 14,652
ISHARES CORE US CORE US AGGBD ET 464287226 4,287 36,314 SH   SOLE NONE 0 0 36,314
ISHARES EDGE U.S. FIXED U.S. FIXED INCME 46435U796 1,121 11,036 SH   SOLE NONE 0 0 11,036
ISHARES EVLVD US INVTV INOVATIV HLTCR 46431W622 316 10,460 SH   SOLE NONE 0 0 10,460
ISHARES EVOLVED US TECHN TECHNOLOGY 46431W648 265 6,250 SH   SOLE NONE 0 0 6,250
ISHARES EXPANDED TECH EXPND TEC SC ETF 464287549 248 803 SH   SOLE NONE 0 0 803
ISHARES EXPONENTIAL EXPONENTIAL TECH 46434V381 320 6,605 SH   SOLE NONE 0 0 6,605
ISHARES FLOATING RATE FLTG RATE NT ETF 46429B655 790 15,583 SH   SOLE NONE 0 0 15,583
ISHARES GLOBAL GLOB INDSTRL ETF 464288729 610 6,552 SH   SOLE NONE 0 0 6,552
ISHARES GLOBAL GLB INFRASTR ETF 464288372 364 9,455 SH   SOLE NONE 0 0 9,455
ISHARES GLOBAL GLOB HLTHCRE ETF 464287325 473 6,593 SH   SOLE NONE 0 0 6,593
ISHARES GLOBAL CONSUMER GLB CNSM STP ETF 464288737 1,006 18,171 SH   SOLE NONE 0 0 18,171
ISHARES GLOBAL CONSUMER GLB CNS DISC ETF 464288745 295 2,191 SH   SOLE NONE 0 0 2,191
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 836 3,172 SH   SOLE NONE 0 0 3,172
ISHARES GOLD ETF ISHARES 464285105 2,096 116,553 SH   SOLE NONE 0 0 116,553
ISHARES HIGH YIELD 0-5YR HI YL CP 46434V407 610 13,880 SH   SOLE NONE 0 0 13,880
ISHARES IBOXX HIGH YIELD IBOXX HI YD ETF 464288513 893 10,647 SH   SOLE NONE 0 0 10,647
ISHARES IBOXX INVT GRADE IBOXX INV CP ETF 464287242 2,252 16,720 SH   SOLE NONE 0 0 16,720
ISHARES INTERNTINL CORE INTL AGGR 46435G672 264 4,757 SH   SOLE NONE 0 0 4,757
ISHARES JP MORGAN USD JPMORGAN USD EMG 464288281 950 8,571 SH   SOLE NONE 0 0 8,571
ISHARES MSCI EAF MIN VOL MSCI EAFE MIN VL 46429B689 422 6,197 SH   SOLE NONE 0 0 6,197
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,488 23,391 SH   SOLE NONE 0 0 23,391
ISHARES MSCI EMERGING MSCI EMG MKT ETF 464287234 1,000 22,681 SH   SOLE NONE 0 0 22,681
ISHARES MSCI GLOBAL MIN MSCI GBL MIN VOL 464286525 386 4,207 SH   SOLE NONE 0 0 4,207
ISHARES MSCI INDIA ETF MSCI INDIA ETF 46429B598 259 7,665 SH   SOLE NONE 0 0 7,665
ISHARES MSCI PACIFIC EX MSCI PAC JP ETF 464286665 237 5,860 SH   SOLE NONE 0 0 5,860
ISHARES MSCI USA MSCI USA SMCP MN 46435G433 356 12,191 SH   SOLE NONE 0 0 12,191
ISHARES MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 1,939 30,432 SH   SOLE NONE 0 0 30,432
ISHARES MSCI USA VALUE MSCI USA VALUE 46432F388 320 4,338 SH   SOLE NONE 0 0 4,338
ISHARES NASDAQ NASDAQ BIOTECH 464287556 1,435 10,598 SH   SOLE NONE 0 0 10,598
ISHARES NATIONAL MUNI NATIONAL MUN ETF 464288414 6,773 58,428 SH   SOLE NONE 0 0 58,428
ISHARES PHLX PHLX SEMICND ETF 464287523 281 925 SH   SOLE NONE 0 0 925
ISHARES PREFERRED INCOME PFD AND INCM SEC 464288687 2,799 76,794 SH   SOLE NONE 0 0 76,794
ISHARES RUSSELL 1000 RUS 1000 GRW ETF 464287614 216 999 SH   SOLE NONE 0 0 999
ISHARES RUSSELL 2000 RUSSELL 2000 ETF 464287655 922 6,160 SH   SOLE NONE 0 0 6,160
ISHARES RUSSELL 2000 RUS 2000 VAL ETF 464287630 329 3,322 SH   SOLE NONE 0 0 3,322
ISHARES RUSSELL 2000 RUS 2000 GRW ETF 464287648 395 1,785 SH   SOLE NONE 0 0 1,785
ISHARES RUSSELL MID CAP RUS MID CAP ETF 464287499 925 16,131 SH   SOLE NONE 0 0 16,131
ISHARES S&P 500 GROWTH S&P 500 GRWT ETF 464287309 3,817 16,521 SH   SOLE NONE 0 0 16,521
ISHARES S&P 500 VALUE S&P 500 VAL ETF 464287408 1,118 9,943 SH   SOLE NONE 0 0 9,943
ISHARES S&P SMALL CAP SP SMCP600VL ETF 464287879 839 6,859 SH   SOLE NONE 0 0 6,859
ISHARES S&P SMLL CAP 600 S&P SML 600 GWT 464287887 995 5,641 SH   SOLE NONE 0 0 5,641
ISHARES SELECT DIVIDEND SELECT DIVID ETF 464287168 1,286 15,772 SH   SOLE NONE 0 0 15,772
ISHARES SHORT MATURITY SHT MAT BD ETF 46431W507 810 16,167 SH   SOLE NONE 0 0 16,167
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,458 11,532 SH   SOLE NONE 0 0 11,532
ISHARES TOTAL USD BOND CORE TOTAL USD 46434V613 2,183 40,153 SH   SOLE NONE 0 0 40,153
ISHARES TR IS 1 5 YR IN ISHS 1-5YR INVS 464288646 1,959 35,689 SH   SOLE NONE 0 0 35,689
ISHARES TRT IS 5 10 INV ISHS 5-10YR INVT 464288638 1,246 20,496 SH   SOLE NONE 0 0 20,496
ISHARES US AEROSPACE US AER DEF ETF 464288760 595 3,761 SH   SOLE NONE 0 0 3,761
ISHARES US BASIC U.S. BAS MTL ETF 464287838 597 6,055 SH   SOLE NONE 0 0 6,055
ISHARES US CONSUMER U.S. CNSM SV ETF 464287580 453 1,815 SH   SOLE NONE 0 0 1,815
ISHARES US CONSUMER U.S. CNSM GD ETF 464287812 465 3,114 SH   SOLE NONE 0 0 3,114
ISHARES US HEALTHCARE US HLTHCARE ETF 464287762 687 3,026 SH   SOLE NONE 0 0 3,026
ISHARES US INDUSTRIALS US INDUSTRIALS 464287754 245 1,467 SH   SOLE NONE 0 0 1,467
ISHARES US TECHNOLOGY U.S. TECH ETF 464287721 836 2,777 SH   SOLE NONE 0 0 2,777
ISHS MSCI EMERG MRKT MIN MSCI EMERG MRKT 464286533 537 9,749 SH   SOLE NONE 0 0 9,749
JABIL INC COM 466313103 516 15,067 SH   SOLE NONE 0 0 15,067
JOHNSON & JOHNSON COM 478160104 2,630 17,670 SH   SOLE NONE 0 0 17,670
JPMORGAN CHASE & CO COM 46625H100 620 6,450 SH   SOLE NONE 0 0 6,450
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 847 16,679 SH   SOLE NONE 0 0 16,679
LILLY ELI & CO COM 532457108 349 2,361 SH   SOLE NONE 0 0 2,361
LOWES COMPANIES INC COM 548661107 259 1,562 SH   SOLE NONE 0 0 1,562
MAXIM INTEGRATED PRO COM 57772K101 938 13,883 SH   SOLE NONE 0 0 13,883
MEDTRONIC PLC F SHS G5960L103 820 7,896 SH   SOLE NONE 0 0 7,896
MERCK & CO. INC. COM 58933Y105 1,217 14,678 SH   SOLE NONE 0 0 14,678
MICROSOFT CORP COM 594918104 3,770 17,928 SH   SOLE NONE 0 0 17,928
MOLSON COORS BEVERAGE CL CL B 60871R209 635 18,944 SH   SOLE NONE 0 0 18,944
NETFLIX INC COM 64110L106 1,264 2,528 SH   SOLE NONE 0 0 2,528
NOVARTIS AG F SPONSORED ADR 66987V109 421 4,849 SH   SOLE NONE 0 0 4,849
NUVEEN MUNICIPAL VALUE C COM 670928100 106 10,000 SH   SOLE NONE 0 0 10,000
NVIDIA CORP COM 67066G104 3,151 5,822 SH   SOLE NONE 0 0 5,822
NXP SEMICONDUCTORS F COM N6596X109 659 5,288 SH   SOLE NONE 0 0 5,288
OCUGEN INC COM 67577C105 6 20,000 SH   SOLE NONE 0 0 20,000
PAYPAL HOLDINGS INCORPOR COM 70450Y103 949 4,820 SH   SOLE NONE 0 0 4,820
PEPSICO INC COM 713448108 526 3,801 SH   SOLE NONE 0 0 3,801
PFIZER INC COM 717081103 1,007 27,461 SH   SOLE NONE 0 0 27,461
PHILIP MORRIS INTL COM 718172109 645 8,614 SH   SOLE NONE 0 0 8,614
PINNACLE FINL PARTNR COM 72346Q104 796 22,385 SH   SOLE NONE 0 0 22,385
PROCTER & GAMBLE COM 742718109 1,041 7,492 SH   SOLE NONE 0 0 7,492
PROSHARES LONG ONLN SHRT LONG ONLINE SHRT 74347B375 1,107 13,156 SH   SOLE NONE 0 0 13,156
RAYTHEON TECHNOLOGIES CO COM 75513E101 872 15,165 SH   SOLE NONE 0 0 15,165
RELIANT BANCORP INC COM 75956B101 263 18,145 SH   SOLE NONE 0 0 18,145
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 6,095 227,780 SH   SOLE NONE 0 0 227,780
SCHWAB INTERMEDIATE TERM INTRM TRM TRES 808524854 1,559 26,578 SH   SOLE NONE 0 0 26,578
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 11,362 361,874 SH   SOLE NONE 0 0 361,874
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 3,380 103,926 SH   SOLE NONE 0 0 103,926
SCHWAB SHORT TERM US SHT TM US TRES 808524862 871 16,924 SH   SOLE NONE 0 0 16,924
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 13,316 237,455 SH   SOLE NONE 0 0 237,455
SCHWAB US BROAD MARKET US BRD MKT ETF 808524102 22,997 288,773 SH   SOLE NONE 0 0 288,773
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 5,024 90,866 SH   SOLE NONE 0 0 90,866
SCHWAB US LARGE CAP US LCAP GR ETF 808524300 358 3,111 SH   SOLE NONE 0 0 3,111
SCHWAB US LARGE CAP US LCAP VA ETF 808524409 224 4,298 SH   SOLE NONE 0 0 4,298
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 8,643 107,196 SH   SOLE NONE 0 0 107,196
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 7,589 111,093 SH   SOLE NONE 0 0 111,093
SCHWAB US TIPS ETF US TIPS ETF 808524870 1,419 23,035 SH   SOLE NONE 0 0 23,035
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 214 2,032 SH   SOLE NONE 0 0 2,032
SKYWORKS SOLUTIONS COM 83088M102 1,290 8,867 SH   SOLE NONE 0 0 8,867
SMARTFINL INC 0050 COM NEW 83190L208 501 36,905 SH   SOLE NONE 0 0 36,905
SOUTHERN CO COM 842587107 289 5,334 SH   SOLE NONE 0 0 5,334
SPDR DOW JONES UT SER 1 78467X109 286 1,033 SH   SOLE NONE 0 0 1,033
SPDR GOLD SHARES ETF EC GOLD SHS 78463V107 370 2,094 SH   SOLE NONE 0 0 2,094
SPDR S&P 500 ETF TR UNIT 78462F103 4,664 13,928 SH   SOLE NONE 0 0 13,928
SPDR S&P BIOTECH ETF IV S&P BIOTECH 78464A870 568 5,102 SH   SOLE NONE 0 0 5,102
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 832 9,009 SH   SOLE NONE 0 0 9,009
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 4,194 133,697 SH   SOLE NONE 0 0 133,697
SQUARE INC CL A 852234103 474 2,919 SH   SOLE NONE 0 0 2,919
STRYKER CORP COM 863667101 605 2,907 SH   SOLE NONE 0 0 2,907
STURM RUGER & CO INC COM 864159108 532 8,709 SH   SOLE NONE 0 0 8,709
TESLA INC COM 88160R101 3,109 7,249 SH   SOLE NONE 0 0 7,249
THE COCA-COLA CO COM 191216100 584 11,837 SH   SOLE NONE 0 0 11,837
UNITED PARCEL SRVC CL B 911312106 2,464 14,790 SH   SOLE NONE 0 0 14,790
UNITEDHEALTH GRP INC COM 91324P102 371 1,192 SH   SOLE NONE 0 0 1,192
US GLOBAL JETS ETF US GLB JETS 26922A842 313 18,572 SH   SOLE NONE 0 0 18,572
VANECK VECTORS GOLD GOLD MINERS ETF 92189F106 877 22,419 SH   SOLE NONE 0 0 22,419
VANGUARD CONSUMER CONSUM STP ETF 92204A207 12,949 79,266 SH   SOLE NONE 0 0 79,266
VANGUARD DIVIDEND DIV APP ETF 921908844 10,466 81,350 SH   SOLE NONE 0 0 81,350
VANGUARD EMERGING MKT EMERG MKT BD ETF 921946885 3,281 41,588 SH   SOLE NONE 0 0 41,588
VANGUARD ENERGY ETF ENERGY ETF 92204A306 663 16,462 SH   SOLE NONE 0 0 16,462
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 18,494 366,598 SH   SOLE NONE 0 0 366,598
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 37,186 909,211 SH   SOLE NONE 0 0 909,211
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 29,464 681,415 SH   SOLE NONE 0 0 681,415
VANGUARD FTSE EUROPE FTSE EUROPE ETF 922042874 256 4,894 SH   SOLE NONE 0 0 4,894
VANGUARD FTSE PACIFIC FTSE PACIFIC ETF 922042866 898 13,206 SH   SOLE NONE 0 0 13,206
VANGUARD GLBAL EX US GLB EX US ETF 922042676 231 4,767 SH   SOLE NONE 0 0 4,767
VANGUARD GROWTH ETF GROWTH ETF 922908736 637 2,802 SH   SOLE NONE 0 0 2,802
VANGUARD HIGH DIVIDEND HIGH DIV YLD 921946406 8,380 103,550 SH   SOLE NONE 0 0 103,550
VANGUARD INFORMATION INF TECH ETF 92204A702 1,785 5,733 SH   SOLE NONE 0 0 5,733
VANGUARD INTERMEDIATE INTERMED TERM 921937819 998 10,683 SH   SOLE NONE 0 0 10,683
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 44,087 460,204 SH   SOLE NONE 0 0 460,204
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 3,955 25,282 SH   SOLE NONE 0 0 25,282
VANGUARD MID CAP ETF IV MID CAP ETF 922908629 27,463 155,809 SH   SOLE NONE 0 0 155,809
VANGUARD MID CAP GROWTH MCAP GR IDXVIP 922908538 1,972 10,950 SH   SOLE NONE 0 0 10,950
VANGUARD MID CAP VALUE MCAP VL IDXVIP 922908512 579 5,721 SH   SOLE NONE 0 0 5,721
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 11,100 140,579 SH   SOLE NONE 0 0 140,579
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 30,807 100,137 SH   SOLE NONE 0 0 100,137
VANGUARD S&P SMALL CAP SMLLCP 600 IDX 921932828 16,144 125,013 SH   SOLE NONE 0 0 125,013
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 6,141 98,909 SH   SOLE NONE 0 0 98,909
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 28,048 338,545 SH   SOLE NONE 0 0 338,545
VANGUARD SHORT-TERM BOND SHORT TRM BOND 921937827 4,646 55,946 SH   SOLE NONE 0 0 55,946
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 28,542 185,583 SH   SOLE NONE 0 0 185,583
VANGUARD SMALL CAP VALUE SM CP VAL ETF 922908611 1,456 13,166 SH   SOLE NONE 0 0 13,166
VANGUARD TOTAL BOND TOTAL BND MRKT 921937835 72,718 824,290 SH   SOLE NONE 0 0 824,290
VANGUARD TOTAL INTERNATL INTL BD IDX ETF 92203J407 7,205 123,835 SH   SOLE NONE 0 0 123,835
VANGUARD TOTAL INTERNTL VG TL INTL STK F 921909768 1,041 19,968 SH   SOLE NONE 0 0 19,968
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 125,220 735,251 SH   SOLE NONE 0 0 735,251
VANGUARD TOTAL WORLD TT WRLD ST ETF 922042742 1,164 14,441 SH   SOLE NONE 0 0 14,441
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 14,453 111,957 SH   SOLE NONE 0 0 111,957
VANGUARD VALUE ETF VALUE ETF 922908744 692 6,623 SH   SOLE NONE 0 0 6,623
VERIZON COMMUNICATN COM 92343V104 2,009 33,776 SH   SOLE NONE 0 0 33,776
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 3,727 35,401 SH   SOLE NONE 0 0 35,401
VISA INC COM CL A 92826C839 427 2,136 SH   SOLE NONE 0 0 2,136
WALMART INC COM 931142103 968 6,919 SH   SOLE NONE 0 0 6,919
WALT DISNEY CO COM DISNEY 254687106 601 4,845 SH   SOLE NONE 0 0 4,845
WESTROCK CO COM 96145D105 387 11,165 SH   SOLE NONE 0 0 11,165