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
AT&T INC COM 00206R102 1,002 33,111 SH   SOLE NONE 0 0 33,111
ABBOTT LABS COM 002824100 596 4,972 SH   SOLE NONE 0 0 4,972
AIR PRODS & CHEMS INC COM 009158106 212 753 SH   SOLE NONE 0 0 753
AMEREN CORP COM 023608102 262 3,223 SH   SOLE NONE 0 0 3,223
AMGEN INC COM 031162100 1,129 4,537 SH   SOLE NONE 0 0 4,537
APPLE INC COM 037833100 1,799 14,730 SH   SOLE NONE 0 0 14,730
BECTON DICKINSON & CO COM 075887109 350 1,439 SH   SOLE NONE 0 0 1,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 706 2,764 SH   SOLE NONE 0 0 2,764
CISCO SYS INC COM 17275R102 1,701 32,898 SH   SOLE NONE 0 0 32,898
COCA COLA CO COM 191216100 244 4,636 SH   SOLE NONE 0 0 4,636
DIAGEO PLC SPON ADR NEW 25243Q205 939 5,720 SH   SOLE NONE 0 0 5,720
DISNEY WALT CO COM 254687106 1,520 8,239 SH   SOLE NONE 0 0 8,239
DOMINION ENERGY INC COM 25746U109 1,200 15,799 SH   SOLE NONE 0 0 15,799
FACEBOOK INC CL A 30303M102 209 711 SH   SOLE NONE 0 0 711
GALLAGHER ARTHUR J & CO COM 363576109 315 2,527 SH   SOLE NONE 0 0 2,527
GENERAL MTRS CO COM 37045V100 945 16,452 SH   SOLE NONE 0 0 16,452
HOME DEPOT INC COM 437076102 319 1,044 SH   SOLE NONE 0 0 1,044
INTERPUBLIC GROUP COS INC COM 460690100 776 26,582 SH   SOLE NONE 0 0 26,582
JPMORGAN CHASE & CO COM 46625H100 3,005 19,737 SH   SOLE NONE 0 0 19,737
JOHNSON & JOHNSON COM 478160104 2,022 12,303 SH   SOLE NONE 0 0 12,303
L3HARRIS TECHNOLOGIES INC COM 502431109 1,090 5,378 SH   SOLE NONE 0 0 5,378
LEIDOS HOLDINGS INC COM 525327102 1,380 14,331 SH   SOLE NONE 0 0 14,331
LOCKHEED MARTIN CORP COM 539830109 398 1,078 SH   SOLE NONE 0 0 1,078
MCDONALDS CORP COM 580135101 1,718 7,666 SH   SOLE NONE 0 0 7,666
MICROSOFT CORP COM 594918104 3,836 16,270 SH   SOLE NONE 0 0 16,270
NORFOLK SOUTHN CORP COM 655844108 1,125 4,191 SH   SOLE NONE 0 0 4,191
NOVARTIS AG SPONSORED ADR 66987V109 244 2,851 SH   SOLE NONE 0 0 2,851
PPG INDS INC COM 693506107 339 2,257 SH   SOLE NONE 0 0 2,257
PARKER-HANNIFIN CORP COM 701094104 404 1,280 SH   SOLE NONE 0 0 1,280
PEPSICO INC COM 713448108 1,442 10,191 SH   SOLE NONE 0 0 10,191
PHILIP MORRIS INTL INC COM 718172109 305 3,440 SH   SOLE NONE 0 0 3,440
PINTEREST INC CL A 72352L106 282 3,810 SH   SOLE NONE 0 0 3,810
PROCTER AND GAMBLE CO COM 742718109 2,186 16,144 SH   SOLE NONE 0 0 16,144
RAYTHEON TECHNOLOGIES CORP COM 75513E101 253 3,279 SH   SOLE NONE 0 0 3,279
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,133 2,859 SH   SOLE NONE 0 0 2,859
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 88,111 911,088 SH   SOLE NONE 0 0 911,088
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 60,955 1,620,280 SH   SOLE NONE 0 0 1,620,280
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 50,858 942,697 SH   SOLE NONE 0 0 942,697
SCHWAB STRATEGIC TR US TIPS ETF 808524870 16,697 272,998 SH   SOLE NONE 0 0 272,998
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 229 1,725 SH   SOLE NONE 0 0 1,725
STRYKER CORPORATION COM 863667101 977 4,010 SH   SOLE NONE 0 0 4,010
SYSCO CORP COM 871829107 603 7,661 SH   SOLE NONE 0 0 7,661
TEXAS INSTRS INC COM 882508104 469 2,483 SH   SOLE NONE 0 0 2,483
UNION PAC CORP COM 907818108 217 984 SH   SOLE NONE 0 0 984
UNITED PARCEL SERVICE INC CL B 911312106 1,438 8,458 SH   SOLE NONE 0 0 8,458
V F CORP COM 918204108 220 2,755 SH   SOLE NONE 0 0 2,755
VAIL RESORTS INC COM 91879Q109 1,063 3,644 SH   SOLE NONE 0 0 3,644
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 65,034 442,166 SH   SOLE NONE 0 0 442,166
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,958 345,297 SH   SOLE NONE 0 0 345,297
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 21,574 377,697 SH   SOLE NONE 0 0 377,697
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 31,047 596,479 SH   SOLE NONE 0 0 596,479
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 10,853 176,413 SH   SOLE NONE 0 0 176,413
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 17,996 201,293 SH   SOLE NONE 0 0 201,293
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,826 124,932 SH   SOLE NONE 0 0 124,932
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 274 752 SH   SOLE NONE 0 0 752
VANGUARD INDEX FDS TOTAL STK MKT 922908769 23,541 113,895 SH   SOLE NONE 0 0 113,895
VERIZON COMMUNICATIONS INC COM 92343V104 401 6,892 SH   SOLE NONE 0 0 6,892
WALMART INC COM 931142103 568 4,179 SH   SOLE NONE 0 0 4,179
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,294 60,000 SH   SOLE NONE 0 0 60,000
WASTE MGMT INC DEL COM 94106L109 1,147 8,893 SH   SOLE NONE 0 0 8,893
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 491 1,777 SH   SOLE NONE 0 0 1,777