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
AFLAC INC COM 001055102 233 3,986 SH   SOLE NONE 0 0 3,986
AT&T INC COM 00206R102 401 16,320 SH   SOLE NONE 0 0 16,320
ABBOTT LABS COM 002824100 618 4,394 SH   SOLE NONE 0 0 4,394
ACTIVISION BLIZZARD INC COM 00507V109 556 8,357 SH   SOLE NONE 0 0 8,357
AIR PRODS & CHEMS INC COM 009158106 229 753 SH   SOLE NONE 0 0 753
AMEREN CORP COM 023608102 287 3,223 SH   SOLE NONE 0 0 3,223
AMGEN INC COM 031162100 608 2,703 SH   SOLE NONE 0 0 2,703
APPLE INC COM 037833100 2,479 13,962 SH   SOLE NONE 0 0 13,962
BECTON DICKINSON & CO COM 075887109 341 1,356 SH   SOLE NONE 0 0 1,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 857 2,867 SH   SOLE NONE 0 0 2,867
CISCO SYS INC COM 17275R102 1,333 21,037 SH   SOLE NONE 0 0 21,037
DTE ENERGY CO COM 233331107 250 2,093 SH   SOLE NONE 0 0 2,093
DIAGEO PLC SPON ADR NEW 25243Q205 840 3,814 SH   SOLE NONE 0 0 3,814
DISNEY WALT CO COM 254687106 891 5,752 SH   SOLE NONE 0 0 5,752
DOMINION ENERGY INC COM 25746U109 647 8,235 SH   SOLE NONE 0 0 8,235
GALLAGHER ARTHUR J & CO COM 363576109 325 1,917 SH   SOLE NONE 0 0 1,917
GENERAL MTRS CO COM 37045V100 529 9,024 SH   SOLE NONE 0 0 9,024
HOME DEPOT INC COM 437076102 330 796 SH   SOLE NONE 0 0 796
INTERPUBLIC GROUP COS INC COM 460690100 703 18,760 SH   SOLE NONE 0 0 18,760
JPMORGAN CHASE & CO COM 46625H100 2,280 14,400 SH   SOLE NONE 0 0 14,400
JOHNSON & JOHNSON COM 478160104 1,726 10,089 SH   SOLE NONE 0 0 10,089
L3HARRIS TECHNOLOGIES INC COM 502431109 1,147 5,378 SH   SOLE NONE 0 0 5,378
LAMB WESTON HLDGS INC COM 513272104 733 11,572 SH   SOLE NONE 0 0 11,572
LEIDOS HOLDINGS INC COM 525327102 1,075 12,095 SH   SOLE NONE 0 0 12,095
LOCKHEED MARTIN CORP COM 539830109 302 851 SH   SOLE NONE 0 0 851
LOWES COS INC COM 548661107 211 815 SH   SOLE NONE 0 0 815
MCDONALDS CORP COM 580135101 1,221 4,556 SH   SOLE NONE 0 0 4,556
MICROSOFT CORP COM 594918104 4,909 14,597 SH   SOLE NONE 0 0 14,597
NORFOLK SOUTHN CORP COM 655844108 809 2,716 SH   SOLE NONE 0 0 2,716
PPG INDS INC COM 693506107 283 1,643 SH   SOLE NONE 0 0 1,643
PARKER-HANNIFIN CORP COM 701094104 356 1,119 SH   SOLE NONE 0 0 1,119
PEPSICO INC COM 713448108 1,226 7,060 SH   SOLE NONE 0 0 7,060
PFIZER INC COM 717081103 229 3,880 SH   SOLE NONE 0 0 3,880
PINTEREST INC CL A 72352L106 456 12,548 SH   SOLE NONE 0 0 12,548
PROCTER AND GAMBLE CO COM 742718109 1,661 10,153 SH   SOLE NONE 0 0 10,153
RAYTHEON TECHNOLOGIES CORP COM 75513E101 282 3,277 SH   SOLE NONE 0 0 3,277
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,358 2,859 SH   SOLE NONE 0 0 2,859
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 90,686 802,463 SH   SOLE NONE 0 0 802,463
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 212 1,859 SH   SOLE NONE 0 0 1,859
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 67,563 1,738,166 SH   SOLE NONE 0 0 1,738,166
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 59,864 1,110,650 SH   SOLE NONE 0 0 1,110,650
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,462 198,154 SH   SOLE NONE 0 0 198,154
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 209 1,200 SH   SOLE NONE 0 0 1,200
STRYKER CORPORATION COM 863667101 1,080 4,037 SH   SOLE NONE 0 0 4,037
SYSCO CORP COM 871829107 361 4,590 SH   SOLE NONE 0 0 4,590
TEXAS INSTRS INC COM 882508104 481 2,553 SH   SOLE NONE 0 0 2,553
UNION PAC CORP COM 907818108 252 999 SH   SOLE NONE 0 0 999
UNITED PARCEL SERVICE INC CL B 911312106 1,056 4,928 SH   SOLE NONE 0 0 4,928
VAIL RESORTS INC COM 91879Q109 798 2,435 SH   SOLE NONE 0 0 2,435
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 70,897 412,794 SH   SOLE NONE 0 0 412,794
VANGUARD WORLD FD MEGA GRWTH IND 921910816 231 885 SH   SOLE NONE 0 0 885
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,423 439,154 SH   SOLE NONE 0 0 439,154
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 26,710 484,233 SH   SOLE NONE 0 0 484,233
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 691 6,429 SH   SOLE NONE 0 0 6,429
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 32,618 659,472 SH   SOLE NONE 0 0 659,472
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 21,884 241,304 SH   SOLE NONE 0 0 241,304
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,712 122,241 SH   SOLE NONE 0 0 122,241
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 503 1,152 SH   SOLE NONE 0 0 1,152
VANGUARD INDEX FDS TOTAL STK MKT 922908769 28,441 117,798 SH   SOLE NONE 0 0 117,798
WALMART INC COM 931142103 387 2,676 SH   SOLE NONE 0 0 2,676
WALGREENS BOOTS ALLIANCE INC COM 931427108 3,639 69,767 SH   SOLE NONE 0 0 69,767
WASTE MGMT INC DEL COM 94106L109 989 5,927 SH   SOLE NONE 0 0 5,927
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 738 1,780 SH   SOLE NONE 0 0 1,780