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 559 2,901 SH   SOLE NONE 0 0 2,901
A T & T INC COM 00206R102 565 18,673 SH   SOLE NONE 0 0 18,673
ABBOTT LABORATORIES COM 002824100 327 2,735 SH   SOLE NONE 0 0 2,735
ABBVIE INC COM 00287Y109 465 4,298 SH   SOLE NONE 0 0 4,298
ADOBE INC COM 00724F101 841 1,770 SH   SOLE NONE 0 0 1,770
ALBEMARLE CORP COM 012653101 1,486 10,171 SH   SOLE NONE 0 0 10,171
ALPHABET INC. CAP STK CL A 02079K305 212 103 SH   SOLE NONE 0 0 103
ALTRIA GROUP INC COM 02209S103 316 6,193 SH   SOLE NONE 0 0 6,193
AMAZON.COM INC COM 023135106 4,027 1,301 SH   SOLE NONE 0 0 1,301
AMERICAN FIN TRUST INC COM CLASS A 02607T109 182 18,613 SH   SOLE NONE 0 0 18,613
AMGEN INC. COM 031162100 2,278 9,158 SH   SOLE NONE 0 0 9,158
APPLE INC COM 037833100 9,393 76,899 SH   SOLE NONE 0 0 76,899
ASHFORD HOSPITY TR COM SHS 044103877 36 12,435 SH   SOLE NONE 0 0 12,435
ASTRAZENECA PLC F SPONSORED ADR 046353108 572 11,520 SH   SOLE NONE 0 0 11,520
BANK OF AMERICA CORP COM 060505104 392 10,137 SH   SOLE NONE 0 0 10,137
BERKSHIRE HATHAWAY CL B NEW 084670702 5,689 22,270 SH   SOLE NONE 0 0 22,270
BLACKROCK SHORT MATURITY BLACKROCK ST MAT 46431W507 797 15,898 SH   SOLE NONE 0 0 15,898
BOSTON BEER CO INC CL A 100557107 302 251 SH   SOLE NONE 0 0 251
BRCLYS BK IPATH BLOOM DJUBS CMDT ETN36 06738C778 410 17,365 SH   SOLE NONE 0 0 17,365
BRISTOL-MYERS SQUIBB COM 110122108 1,459 23,114 SH   SOLE NONE 0 0 23,114
CATERPILLAR INC COM 149123101 1,084 4,676 SH   SOLE NONE 0 0 4,676
CHARLES SCHWAB CORP COM 808513105 694 10,650 SH   SOLE NONE 0 0 10,650
CHARLES SCHWAB US MC US MID-CAP ETF 808524508 12,980 174,402 SH   SOLE NONE 0 0 174,402
CHARLES SCHWAB US REIT US REIT ETF 808524847 2,052 49,955 SH   SOLE NONE 0 0 49,955
CIRRUS LOGIC INC COM 172755100 395 4,668 SH   SOLE NONE 0 0 4,668
CISCO SYSTEMS INC COM 17275R102 468 9,051 SH   SOLE NONE 0 0 9,051
COMCAST CORP CL A 20030N101 393 7,279 SH   SOLE NONE 0 0 7,279
CONSTELLATION BRAND CL A 21036P108 565 2,480 SH   SOLE NONE 0 0 2,480
COSTCO WHOLESALE CO COM 22160K105 340 965 SH   SOLE NONE 0 0 965
CSX CORP COM 126408103 702 7,287 SH   SOLE NONE 0 0 7,287
CVS HEALTH CORP COM 126650100 206 2,748 SH   SOLE NONE 0 0 2,748
DEERE & CO COM 244199105 2,713 7,253 SH   SOLE NONE 0 0 7,253
DELTA AIR LINES INC DEL COM NEW 247361702 325 6,737 SH   SOLE NONE 0 0 6,737
DOW INC COM 260557103 329 5,156 SH   SOLE NONE 0 0 5,156
DUKE ENERGY CORP COM NEW 26441C204 510 5,287 SH   SOLE NONE 0 0 5,287
ENTERPRISE PRODS PART LP COM 293792107 378 17,188 SH   SOLE NONE 0 0 17,188
EQT CORP COM 26884L109 193 10,429 SH   SOLE NONE 0 0 10,429
EXXON MOBIL CORP COM 30231G102 1,653 29,620 SH   SOLE NONE 0 0 29,620
FACEBOOK INC CL A 30303M102 238 810 SH   SOLE NONE 0 0 810
GAMCO GLOBAL GOLD NTRL R COM SH BEN INT 36465A109 64 18,730 SH   SOLE NONE 0 0 18,730
GENERAL DYNAMICS CO COM 369550108 272 1,503 SH   SOLE NONE 0 0 1,503
GLOBAL PAYMENTS INC COM 37940X102 367 1,821 SH   SOLE NONE 0 0 1,821
GLOBAL X MLP & ENERGY GLB X MLP ENRG I 37954Y293 1,491 47,201 SH   SOLE NONE 0 0 47,201
GRANITESHARES PLATINUM SHS BEN INT 38748T103 187 16,020 SH   SOLE NONE 0 0 16,020
HERSHEY CO COM 427866108 493 3,120 SH   SOLE NONE 0 0 3,120
HOME DEPOT INC COM 437076102 1,795 5,883 SH   SOLE NONE 0 0 5,883
IBM CORP COM 459200101 214 1,610 SH   SOLE NONE 0 0 1,610
INTEL CORP COM 458140100 1,694 26,472 SH   SOLE NONE 0 0 26,472
INVESCO PREFERRED ETF PFD ETF 46138E511 2,430 162,048 SH   SOLE NONE 0 0 162,048
INVESCO QQQ TRUST UNIT SER 1 46090E103 3,341 10,471 SH   SOLE NONE 0 0 10,471
INVESCO S&P 500 EQUAL S&P500 EQL WGT 46137V357 1,757 12,408 SH   SOLE NONE 0 0 12,408
INVESCO S&P 500 LOW S&P500 LOW VOL 46138E354 782 13,461 SH   SOLE NONE 0 0 13,461
INVESCO S&P SMALLCAP S&P SMLCP INFO 46138E115 611 4,456 SH   SOLE NONE 0 0 4,456
INVESCO SOLAR ETF SOLAR ETF 46138G706 3,495 38,089 SH   SOLE NONE 0 0 38,089
ISHARES 1-3 YEAR TREASRY 1 3 YR TREAS BD 464287457 2,734 31,707 SH   SOLE NONE 0 0 31,707
ISHARES ASIA 50 ETF ASIA 50 ETF 464288430 233 2,530 SH   SOLE NONE 0 0 2,530
ISHARES BRD USD INV GRD USD INV GRDE ETF 464288620 1,300 22,034 SH   SOLE NONE 0 0 22,034
ISHARES CORE DIVIDEND CORE DIV GRWTH 46434V621 1,504 31,178 SH   SOLE NONE 0 0 31,178
ISHARES CORE HIGH CORE HIGH DV ETF 46429B663 1,445 15,238 SH   SOLE NONE 0 0 15,238
ISHARES CORE MSCI CORE MSCI EMKT 46434G103 5,332 82,859 SH   SOLE NONE 0 0 82,859
ISHARES CORE MSCI EAFE CORE MSCI EAFE 46432F842 6,101 84,690 SH   SOLE NONE 0 0 84,690
ISHARES CORE MSCI EUROPE CORE MSCI EURO 46434V738 522 9,681 SH   SOLE NONE 0 0 9,681
ISHARES CORE S&P 500 CORE S&P500 ETF 464287200 9,583 24,089 SH   SOLE NONE 0 0 24,089
ISHARES CORE S&P MID CAP CORE S&P MCP ETF 464287507 1,225 4,709 SH   SOLE NONE 0 0 4,709
ISHARES CORE S&P SMALL CORE S&P SCP ETF 464287804 2,375 21,887 SH   SOLE NONE 0 0 21,887
ISHARES CORE US CORE US AGGBD ET 464287226 4,767 41,885 SH   SOLE NONE 0 0 41,885
ISHARES CORE US REIT CRE U S REIT ETF 464288521 266 5,083 SH   SOLE NONE 0 0 5,083
ISHARES EDGE U.S. FIXED U.S. FIXED INCME 46435U796 1,016 10,183 SH   SOLE NONE 0 0 10,183
ISHARES EVLVD US INVTV INOVATIV HLTCR 46431W622 425 13,145 SH   SOLE NONE 0 0 13,145
ISHARES EVOLVED US TECHN TECHNOLOGY 46431W648 323 6,665 SH   SOLE NONE 0 0 6,665
ISHARES EXPANDED TECH EXPND TEC SC ETF 464287549 290 803 SH   SOLE NONE 0 0 803
ISHARES EXPONENTIAL EXPONENTIAL TECH 46434V381 625 10,566 SH   SOLE NONE 0 0 10,566
ISHARES FLOATING RATE FLTG RATE NT ETF 46429B655 564 11,113 SH   SOLE NONE 0 0 11,113
ISHARES GLOBAL GLOB INDSTRL ETF 464288729 744 6,419 SH   SOLE NONE 0 0 6,419
ISHARES GLOBAL GLB INFRASTR ETF 464288372 447 9,936 SH   SOLE NONE 0 0 9,936
ISHARES GLOBAL GLOB HLTHCRE ETF 464287325 508 6,594 SH   SOLE NONE 0 0 6,594
ISHARES GLOBAL CONSUMER GLB CNSM STP ETF 464288737 1,048 18,048 SH   SOLE NONE 0 0 18,048
ISHARES GLOBAL CONSUMER GLB CNS DISC ETF 464288745 357 2,192 SH   SOLE NONE 0 0 2,192
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 976 3,172 SH   SOLE NONE 0 0 3,172
ISHARES GOLD ETF ISHARES 464285105 2,381 146,460 SH   SOLE NONE 0 0 146,460
ISHARES HIGH YIELD 0-5YR HI YL CP 46434V407 710 15,510 SH   SOLE NONE 0 0 15,510
ISHARES IBOXX HIGH YIELD IBOXX HI YD ETF 464288513 1,019 11,695 SH   SOLE NONE 0 0 11,695
ISHARES IBOXX INVT GRADE IBOXX INV CP ETF 464287242 2,188 16,829 SH   SOLE NONE 0 0 16,829
ISHARES INDIA 50 ETF INDIA 50 ETF 464289529 218 4,870 SH   SOLE NONE 0 0 4,870
ISHARES INTERNTINL CORE INTL AGGR 46435G672 234 4,271 SH   SOLE NONE 0 0 4,271
ISHARES JP MORGAN USD JPMORGAN USD EMG 464288281 1,048 9,630 SH   SOLE NONE 0 0 9,630
ISHARES MSCI EAF MIN VOL MSCI EAFE MIN VL 46429B689 374 5,127 SH   SOLE NONE 0 0 5,127
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,661 21,893 SH   SOLE NONE 0 0 21,893
ISHARES MSCI EMERGING MSCI EMG MKT ETF 464287234 1,177 22,072 SH   SOLE NONE 0 0 22,072
ISHARES MSCI GLOBAL MIN MSCI GBL MIN VOL 464286525 308 3,127 SH   SOLE NONE 0 0 3,127
ISHARES MSCI INDIA INDEX MSCI INDIA ETF 46429B598 323 7,665 SH   SOLE NONE 0 0 7,665
ISHARES MSCI PACIFIC EX MSCI PAC JP ETF 464286665 335 6,685 SH   SOLE NONE 0 0 6,685
ISHARES MSCI USA MSCI USA SMCP MN 46435G433 449 12,191 SH   SOLE NONE 0 0 12,191
ISHARES MSCI USA MIN VOL MSCI USA MIN VOL 46429B697 1,527 22,070 SH   SOLE NONE 0 0 22,070
ISHARES MSCI USA VALUE MSCI USA VALUE 46432F388 444 4,338 SH   SOLE NONE 0 0 4,338
ISHARES NASDAQ NASDAQ BIOTECH 464287556 1,598 10,619 SH   SOLE NONE 0 0 10,619
ISHARES NATIONAL MUNI NATIONAL MUN ETF 464288414 6,872 59,222 SH   SOLE NONE 0 0 59,222
ISHARES PHLX PHLX SEMICND ETF 464287523 409 965 SH   SOLE NONE 0 0 965
ISHARES PREFERRED INCOME PFD AND INCM SEC 464288687 2,762 71,941 SH   SOLE NONE 0 0 71,941
ISHARES RUSSELL 1000 RUS 1000 GRW ETF 464287614 320 1,319 SH   SOLE NONE 0 0 1,319
ISHARES RUSSELL 2000 RUSSELL 2000 ETF 464287655 1,317 5,964 SH   SOLE NONE 0 0 5,964
ISHARES RUSSELL 2000 RUS 2000 VAL ETF 464287630 529 3,322 SH   SOLE NONE 0 0 3,322
ISHARES RUSSELL 2000 RUS 2000 GRW ETF 464287648 502 1,670 SH   SOLE NONE 0 0 1,670
ISHARES RUSSELL MID CAP RUS MID CAP ETF 464287499 1,082 14,642 SH   SOLE NONE 0 0 14,642
ISHARES S&P 500 GROWTH S&P 500 GRWT ETF 464287309 4,285 65,815 SH   SOLE NONE 0 0 65,815
ISHARES S&P 500 VALUE S&P 500 VAL ETF 464287408 1,374 9,733 SH   SOLE NONE 0 0 9,733
ISHARES S&P MID CAP 400 S&P MC 400VL ETF 464287705 227 2,232 SH   SOLE NONE 0 0 2,232
ISHARES S&P SMALL CAP SP SMCP600VL ETF 464287879 1,077 10,697 SH   SOLE NONE 0 0 10,697
ISHARES S&P SMLL CAP 600 S&P SML 600 GWT 464287887 1,271 9,918 SH   SOLE NONE 0 0 9,918
ISHARES SELECT DIVIDEND SELECT DIVID ETF 464287168 1,726 15,130 SH   SOLE NONE 0 0 15,130
ISHARES SHORT TREASURY SHORT TREAS BD 464288679 329 2,979 SH   SOLE NONE 0 0 2,979
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,789 14,262 SH   SOLE NONE 0 0 14,262
ISHARES TOTAL US STOCK CORE S&P TTL STK 464287150 1,337 14,605 SH   SOLE NONE 0 0 14,605
ISHARES TOTAL USD BOND CORE TOTAL USD 46434V613 2,608 49,452 SH   SOLE NONE 0 0 49,452
ISHARES TR IS 1 5 YR IN ISHS 1-5YR INVS 464288646 1,746 31,942 SH   SOLE NONE 0 0 31,942
ISHARES TRT IS 5 10 INV ISHS 5-10YR INVT 464288638 1,253 21,163 SH   SOLE NONE 0 0 21,163
ISHARES US AEROSPACE US AER DEF ETF 464288760 759 7,299 SH   SOLE NONE 0 0 7,299
ISHARES US BASIC U.S. BAS MTL ETF 464287838 747 5,955 SH   SOLE NONE 0 0 5,955
ISHARES US CONSUMER U.S. CNSM SV ETF 464287580 391 5,235 SH   SOLE NONE 0 0 5,235
ISHARES US CONSUMER U.S. CNSM GD ETF 464287812 434 2,454 SH   SOLE NONE 0 0 2,454
ISHARES US FINANCIALS U.S. FINLS ETF 464287788 204 2,738 SH   SOLE NONE 0 0 2,738
ISHARES US HEALTHCARE US HLTHCARE ETF 464287762 643 2,550 SH   SOLE NONE 0 0 2,550
ISHARES US INDUSTRIALS US INDUSTRIALS 464287754 310 2,934 SH   SOLE NONE 0 0 2,934
ISHARES US TECHNOLOGY U.S. TECH ETF 464287721 964 11,001 SH   SOLE NONE 0 0 11,001
ISHS MSCI EMERG MRKT MIN MSCI EMERG MRKT 464286533 552 8,749 SH   SOLE NONE 0 0 8,749
JABIL INC COM 466313103 770 14,771 SH   SOLE NONE 0 0 14,771
JOHNSON & JOHNSON COM 478160104 3,130 19,047 SH   SOLE NONE 0 0 19,047
JPMORGAN CHASE & CO COM 46625H100 946 6,217 SH   SOLE NONE 0 0 6,217
JPMORGAN ULTRA SHORT ULTRA SHRT INC 46641Q837 2,099 41,356 SH   SOLE NONE 0 0 41,356
LILLY ELI & CO COM 532457108 447 2,395 SH   SOLE NONE 0 0 2,395
LIVE OAK BANCSHARES INCO COM 53803X105 2,374 34,669 SH   SOLE NONE 0 0 34,669
LOWES COS INC COM 548661107 301 1,585 SH   SOLE NONE 0 0 1,585
MAXIM INTEGRATED PRO COM 57772K101 1,243 13,607 SH   SOLE NONE 0 0 13,607
MCDONALDS CORP COM 580135101 249 1,113 SH   SOLE NONE 0 0 1,113
MEDTRONIC PLC F SHS G5960L103 937 7,939 SH   SOLE NONE 0 0 7,939
MERCK & CO. INC. COM 58933Y105 1,449 18,798 SH   SOLE NONE 0 0 18,798
MICROSOFT CORP COM 594918104 4,216 17,885 SH   SOLE NONE 0 0 17,885
MOLSON COORS BEVERAGE CL CL B 60871R209 1,138 22,256 SH   SOLE NONE 0 0 22,256
NETFLIX INC COM 64110L106 1,042 1,998 SH   SOLE NONE 0 0 1,998
NOVARTIS AG F SPONSORED ADR 66987V109 417 4,889 SH   SOLE NONE 0 0 4,889
NUVEEN MUNICIPAL VALUE C COM 670928100 111 10,000 SH   SOLE NONE 0 0 10,000
NVIDIA CORP COM 67066G104 3,014 5,645 SH   SOLE NONE 0 0 5,645
NXP SEMICONDUCTORS F COM N6596X109 1,207 5,997 SH   SOLE NONE 0 0 5,997
OCUGEN INC COM 67577C105 215 31,666 SH   SOLE NONE 0 0 31,666
PAYPAL HOLDINGS INCORPOR COM 70450Y103 1,227 5,052 SH   SOLE NONE 0 0 5,052
PEPSICO INC COM 713448108 515 3,645 SH   SOLE NONE 0 0 3,645
PFIZER INC COM 717081103 1,119 30,903 SH   SOLE NONE 0 0 30,903
PHILIP MORRIS INTL COM 718172109 624 7,038 SH   SOLE NONE 0 0 7,038
PINNACLE FINL PARTNR COM 72346Q104 1,991 22,463 SH   SOLE NONE 0 0 22,463
POLARIS INDUSTRIES COM 731068102 257 1,929 SH   SOLE NONE 0 0 1,929
PROCTER & GAMBLE COM 742718109 1,056 7,797 SH   SOLE NONE 0 0 7,797
PROSHARES LONG ONLN SHRT LONG ONLINE SHRT 74347B375 1,072 12,821 SH   SOLE NONE 0 0 12,821
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,203 15,577 SH   SOLE NONE 0 0 15,577
RELIANT BANCORP INC COM 75956B101 597 20,792 SH   SOLE NONE 0 0 20,792
ROYAL BANK OF CANADA F COM 780087102 258 2,799 SH   SOLE NONE 0 0 2,799
SCHWAB EMERGING MARKETS EMRG MKTEQ ETF 808524706 7,563 238,004 SH   SOLE NONE 0 0 238,004
SCHWAB INTERMEDIATE TERM INTRM TRM TRES 808524854 1,547 27,429 SH   SOLE NONE 0 0 27,429
SCHWAB INTERNATIONAL INTL EQTY ETF 808524805 14,474 384,759 SH   SOLE NONE 0 0 384,759
SCHWAB INTERNATNAL SMALL INTL SCEQT ETF 808524888 4,317 109,526 SH   SOLE NONE 0 0 109,526
SCHWAB SHORT TERM US SHT TM US TRES 808524862 854 16,653 SH   SOLE NONE 0 0 16,653
SCHWAB US AGGREGATE BOND US AGGREGATE B 808524839 13,896 257,580 SH   SOLE NONE 0 0 257,580
SCHWAB US BROAD MARKET US BRD MKT ETF 808524102 27,636 285,765 SH   SOLE NONE 0 0 285,765
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 6,735 92,361 SH   SOLE NONE 0 0 92,361
SCHWAB US LARGE CAP US LCAP GR ETF 808524300 386 2,979 SH   SOLE NONE 0 0 2,979
SCHWAB US LARGE CAP US LCAP VA ETF 808524409 486 7,458 SH   SOLE NONE 0 0 7,458
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 8,203 85,423 SH   SOLE NONE 0 0 85,423
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 10,582 106,170 SH   SOLE NONE 0 0 106,170
SCHWAB US TIPS ETF US TIPS ETF 808524870 1,673 27,361 SH   SOLE NONE 0 0 27,361
SELECT SECTOR HEALTH SBI HEALTHCARE 81369Y209 237 2,032 SH   SOLE NONE 0 0 2,032
SKYWORKS SOLUTIONS COM 83088M102 1,699 9,260 SH   SOLE NONE 0 0 9,260
SMARTETFS DIVIDEND SMARTETFS DIVID 402031835 556 23,485 SH   SOLE NONE 0 0 23,485
SMARTFINL INC 0050 COM NEW 83190L208 756 34,938 SH   SOLE NONE 0 0 34,938
SMITH & WESSON BRANDS IN COM 831754106 245 14,062 SH   SOLE NONE 0 0 14,062
SONOS INC COM 83570H108 398 10,627 SH   SOLE NONE 0 0 10,627
SOUTHERN CO COM 842587107 319 5,135 SH   SOLE NONE 0 0 5,135
SPDR DOW JONES UT SER 1 78467X109 269 817 SH   SOLE NONE 0 0 817
SPDR GOLD SHARES ETF GOLD SHS 78463V107 534 3,339 SH   SOLE NONE 0 0 3,339
SPDR S&P 500 ETF TR UNIT 78462F103 5,470 13,801 SH   SOLE NONE 0 0 13,801
SPDR S&P BIOTECH ETF S&P BIOTECH 78464A870 685 5,054 SH   SOLE NONE 0 0 5,054
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 1,039 8,809 SH   SOLE NONE 0 0 8,809
SPDR SHORT TERM PORTFOLIO SHORT 78464A474 6,012 192,044 SH   SOLE NONE 0 0 192,044
SQUARE INC CL A 852234103 680 2,996 SH   SOLE NONE 0 0 2,996
STRYKER CORP COM 863667101 734 3,016 SH   SOLE NONE 0 0 3,016
STURM RUGER & CO INC COM 864159108 586 8,873 SH   SOLE NONE 0 0 8,873
TESLA INC COM 88160R101 4,860 7,277 SH   SOLE NONE 0 0 7,277
THE COCA-COLA CO COM 191216100 629 11,946 SH   SOLE NONE 0 0 11,946
TRUIST FINL CORP COM 89832Q109 309 5,311 SH   SOLE NONE 0 0 5,311
UNITED PARCEL SRVC CL B 911312106 2,433 14,316 SH   SOLE NONE 0 0 14,316
UNITEDHEALTH GRP INC COM 91324P102 370 997 SH   SOLE NONE 0 0 997
US GLOBAL JETS ETF US GLB JETS 26922A842 499 18,573 SH   SOLE NONE 0 0 18,573
VANECK VECTORS GOLD GOLD MINERS ETF 92189F106 728 22,419 SH   SOLE NONE 0 0 22,419
VANGUARD CONSUMER CONSUM STP ETF 92204A207 14,076 78,978 SH   SOLE NONE 0 0 78,978
VANGUARD DIVIDEND DIV APP ETF 921908844 12,100 82,270 SH   SOLE NONE 0 0 82,270
VANGUARD EMERGING MARKT EMERG MKT BD ETF 921946885 4,013 51,789 SH   SOLE NONE 0 0 51,789
VANGUARD ENERGY ETF ENERGY ETF 92204A306 983 14,463 SH   SOLE NONE 0 0 14,463
VANGUARD ESG US STOCK ESG US STK ETF 921910733 219 2,975 SH   SOLE NONE 0 0 2,975
VANGUARD FTSE ALL WORLD ALLWRLD EX US 922042775 22,400 369,158 SH   SOLE NONE 0 0 369,158
VANGUARD FTSE DEVELOPED FTSE DEV MKT ETF 921943858 49,038 998,541 SH   SOLE NONE 0 0 998,541
VANGUARD FTSE EMERGING FTSE EMR MKT ETF 922042858 37,291 716,460 SH   SOLE NONE 0 0 716,460
VANGUARD FTSE EUROPE FTSE EUROPE ETF 922042874 366 5,824 SH   SOLE NONE 0 0 5,824
VANGUARD FTSE PACIFIC FTSE PACIFIC ETF 922042866 1,074 13,157 SH   SOLE NONE 0 0 13,157
VANGUARD GLBAL EX US GLB EX US ETF 922042676 268 4,816 SH   SOLE NONE 0 0 4,816
VANGUARD GROWTH ETF GROWTH ETF 922908736 747 2,909 SH   SOLE NONE 0 0 2,909
VANGUARD HEALTH CARE HEALTH CAR ETF 92204A504 203 890 SH   SOLE NONE 0 0 890
VANGUARD HIGH DIVIDEND HIGH DIV YLD 921946406 11,277 111,563 SH   SOLE NONE 0 0 111,563
VANGUARD INFORMATION INF TECH ETF 92204A702 2,055 5,735 SH   SOLE NONE 0 0 5,735
VANGUARD INTERMEDIATE INTERMED TERM 921937819 756 8,523 SH   SOLE NONE 0 0 8,523
VANGUARD INTERMEDIATE INT-TERM CORP 92206C870 48,312 519,318 SH   SOLE NONE 0 0 519,318
VANGUARD INTERNATNL HGH INTL HIGH ETF 921946794 220 3,374 SH   SOLE NONE 0 0 3,374
VANGUARD LARGE CAP ETF LARGE CAP ETF 922908637 4,831 26,071 SH   SOLE NONE 0 0 26,071
VANGUARD MID CAP ETF MID CAP ETF 922908629 29,681 134,101 SH   SOLE NONE 0 0 134,101
VANGUARD MID CAP GROWTH MCAP GR IDXVIP 922908538 2,349 10,948 SH   SOLE NONE 0 0 10,948
VANGUARD MID CAP VALUE MCAP VL IDXVIP 922908512 771 5,721 SH   SOLE NONE 0 0 5,721
VANGUARD REAL ESTATE REAL ESTATE ETF 922908553 14,417 156,955 SH   SOLE NONE 0 0 156,955
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 36,485 100,151 SH   SOLE NONE 0 0 100,151
VANGUARD S&P SMALL CAP SMLLCP 600 IDX 921932828 26,704 134,253 SH   SOLE NONE 0 0 134,253
VANGUARD SHORT TERM SHORT TERM TREAS 92206C102 7,433 120,824 SH   SOLE NONE 0 0 120,824
VANGUARD SHORT TERM COR SHRT TRM CORP BD 92206C409 32,209 390,416 SH   SOLE NONE 0 0 390,416
VANGUARD SHORT-TERM BOND SHORT TRM BOND 921937827 4,066 49,474 SH   SOLE NONE 0 0 49,474
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751 38,358 179,176 SH   SOLE NONE 0 0 179,176
VANGUARD SMALL CAP VALUE SM CP VAL ETF 922908611 2,127 12,849 SH   SOLE NONE 0 0 12,849
VANGUARD TOTAL INTL BD IDX ETF 92203J407 8,529 149,323 SH   SOLE NONE 0 0 149,323
VANGUARD TOTAL VG TL INTL STK F 921909768 1,218 19,437 SH   SOLE NONE 0 0 19,437
VANGUARD TOTAL BOND TOTAL BND MRKT 921937835 70,945 837,409 SH   SOLE NONE 0 0 837,409
VANGUARD TOTAL STOCK TOTAL STK MKT 922908769 160,620 777,107 SH   SOLE NONE 0 0 777,107
VANGUARD TOTAL WORLD TT WRLD ST ETF 922042742 1,269 13,044 SH   SOLE NONE 0 0 13,044
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 15,808 112,507 SH   SOLE NONE 0 0 112,507
VANGUARD VALUE ETF VALUE ETF 922908744 590 4,488 SH   SOLE NONE 0 0 4,488
VERIZON COMMUNICATN COM 92343V104 2,136 36,747 SH   SOLE NONE 0 0 36,747
VGRD FTSE ALL WRLD EX US FTSE SMCAP ETF 922042718 3,775 29,407 SH   SOLE NONE 0 0 29,407
VISA INC COM CL A 92826C839 465 2,196 SH   SOLE NONE 0 0 2,196
WALMART INC COM 931142103 917 6,751 SH   SOLE NONE 0 0 6,751
WALT DISNEY CO COM 254687106 915 4,959 SH   SOLE NONE 0 0 4,959
WESTROCK CO COM 96145D105 348 6,705 SH   SOLE NONE 0 0 6,705