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
AMAZON COM INC COM Stock 023135106 157 57 SH   SOLE   0 0 57
ENDO INTL PLC SHS Stock G30401106 18 5,103 SH   SOLE   0 0 5,103
VIACOMCBS INC CL B Stock 92556H206 27 1,164 SH   SOLE   0 0 1,164
ISHARES MORNINGSTAR MID-CAP VALUE ETF ETF 464288406 21 170 SH   SOLE   0 0 170
PRUDENTIAL FINL INC COM Stock 744320102 6 94 SH   SOLE   0 0 94
UNDER ARMOUR INC CL A Stock 904311107 1 120 SH   SOLE   0 0 120
HEWLETT PACKARD ENTERPRISE CO COM Stock 42824C109 0 15 SH   SOLE   0 0 15
SIRIUS XM HOLDINGS INC COM Stock 82968B103 10 1,630 SH   SOLE   0 0 1,630
STARBUCKS CORP COM Stock 855244109 9 125 SH   SOLE   0 0 125
SQUARE INC CL A Stock 852234103 2 21 SH   SOLE   0 0 21
INTERDIGITAL INC COM Stock 45867G101 7 125 SH   SOLE   0 0 125
ONEMAIN HLDGS INC COM Stock 68268W103 21 845 SH   SOLE   0 0 845
MYLAN NV SHS EURO Stock N59465109 2 155 SH   SOLE   0 0 155
JOHNSON & JOHNSON COM Stock 478160104 835 5,941 SH   SOLE   0 0 5,941
VANGUARD ENERGY INDEX FUND ETF 92204A306 1 10 SH   SOLE   0 0 10
INVESCO WILDERHILL CLEAN ENERGY ETF ETF 46137V134 14 348 SH   SOLE   0 0 348
COSTCO WHSL CORP NEW COM Stock 22160K105 29 97 SH   SOLE   0 0 97
GAP INC COM Stock 364760108 0 29 SH   SOLE   0 0 29
UNDER ARMOUR INC CL C Stock 904311206 1 120 SH   SOLE   0 0 120
COCA COLA CO COM Stock 191216100 672 15,030 SH   SOLE   0 0 15,030
GENERAL MLS INC COM Stock 370334104 0 1 SH   SOLE   0 0 1
PPG INDS INC COM Stock 693506107 50 469 SH   SOLE   0 0 469
UNITED PARCEL SERVICE INC CL B Stock 911312106 6 50 SH   SOLE   0 0 50
MARRIOTT INTL INC NEW CL A Stock 571903202 24 277 SH   SOLE   0 0 277
CARNIVAL CORP PAIRED CTF Stock 143658300 5 300 SH   SOLE   0 0 300
US FOODS HLDG CORP COM Stock 912008109 15 761 SH   SOLE   0 0 761
APHRIA INC COM Stock 03765K104 30 7,018 SH   SOLE   0 0 7,018
INTEL CORP COM Stock 458140100 1,080 18,049 SH   SOLE   0 0 18,049
ISHARES MSCI SWITZERLAND ETF ETF 464286749 13 335 SH   SOLE   0 0 335
MERCK & CO. INC COM Stock 58933Y105 818 10,574 SH   SOLE   0 0 10,574
SPDR S&P 500 ETF ETF 78462F103 64 208 SH   SOLE   0 0 208
AURORA CANNABIS INC COM Stock 05156X884 9 698 SH   SOLE   0 0 698
ADIENT PLC ORD SHS Stock G0084W101 29 1,751 SH   SOLE   0 0 1,751
NATIONAL HEALTH INVS INC COM REIT 63633D104 0 4 SH   SOLE   0 0 4
VERIZON COMMUNICATIONS INC COM Stock 92343V104 754 13,685 SH   SOLE   0 0 13,685
PENN NATL GAMING INC COM Stock 707569109 74 2,407 SH   SOLE   0 0 2,407
VALE S A SPONSORED ADS ADR 91912E105 2 214 SH   SOLE   0 0 214
SHERWIN WILLIAMS CO COM Stock 824348106 6 11 SH   SOLE   0 0 11
CRONOS GROUP INC COM Stock 22717L101 20 3,246 SH   SOLE   0 0 3,246
INSPIRE SMALL/MID CAP IMPACT ETF ETF 66538H641 31 1,370 SH   SOLE   0 0 1,370
DXC TECHNOLOGY CO COM Stock 23355L106 20 1,218 SH   SOLE   0 0 1,218
FORD MTR CO DEL COM Stock 345370860 8 1,260 SH   SOLE   0 0 1,260
BP PLC SPONSORED ADR ADR 055622104 3 121 SH   SOLE   0 0 121
HOME DEPOT INC COM Stock 437076102 454 1,812 SH   SOLE   0 0 1,812
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 2,516 16,896 SH   SOLE   0 0 16,896
INVESCO S&P 500 MOMENTUM ETF ETF 46138E339 3 61 SH   SOLE   0 0 61
INVESCO MORTGAGE CAPITAL INC COM REIT 46131B100 11 3,073 SH   SOLE   0 0 3,073
DANA INCORPORATED COM Stock 235825205 32 2,625 SH   SOLE   0 0 2,625
INFOSYS LTD SPONSORED ADR ADR 456788108 3,198 331,091 SH   SOLE   0 0 331,091
SOUTHERN CO COM Stock 842587107 26 502 SH   SOLE   0 0 502
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,821 58,477 SH   SOLE   0 0 58,477
CHILDRENS PL INC COM Stock 168905107 1 21 SH   SOLE   0 0 21
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 51 697 SH   SOLE   0 0 697
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 665 22,369 SH   SOLE   0 0 22,369
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 3,263 44,033 SH   SOLE   0 0 44,033
BLOCK H & R INC COM Stock 093671105 2,229 156,099 SH   SOLE   0 0 156,099
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 18 570 SH   SOLE   0 0 570
UGI CORP NEW COM Stock 902681105 0 5 SH   SOLE   0 0 5
NIC INC COM Stock 62914B100 2,714 118,193 SH   SOLE   0 0 118,193
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 244 1,368 SH   SOLE   0 0 1,368
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 585 24,041 SH   SOLE   0 0 24,041
ADVISORSHARES VICE ETF ETF 00768Y545 2 102 SH   SOLE   0 0 102
ALPHABET INC CAP STK CL A Stock 02079K305 30 21 SH   SOLE   0 0 21
CONSTELLATION BRANDS INC CL A Stock 21036P108 7 40 SH   SOLE   0 0 40
NEWMONT MINING CORP COM Stock 651639106 7 120 SH   SOLE   0 0 120
AEGON N V NY REGISTRY SHS ADR 007924103 21 6,979 SH   SOLE   0 0 6,979
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 628 21,239 SH   SOLE   0 0 21,239
MICROSOFT CORP COM Stock 594918104 58 284 SH   SOLE   0 0 284
ISHARES ESG MSCI USA SMALL-CAP ETF ETF 46435U663 23 929 SH   SOLE   0 0 929
RUTHS HOSPITALITY GROUP INC COM Stock 783332109 2 250 SH   SOLE   0 0 250
VANGUARD MID-CAP INDEX FUND ETF 922908629 3 20 SH   SOLE   0 0 20
NIKE INC CL B Stock 654106103 15 150 SH   SOLE   0 0 150
WYNDHAM DESTINATIONS INC COM Stock 98310W108 9 308 SH   SOLE   0 0 308
TESLA INC COM Stock 88160R101 39 36 SH   SOLE   0 0 36
EQUITRANS MIDSTREAM CORP COM Stock 294600101 25 2,958 SH   SOLE   0 0 2,958
CMS ENERGY CORP COM Stock 125896100 2,057 35,218 SH   SOLE   0 0 35,218
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 38 257 SH   SOLE   0 0 257
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 7 147 SH   SOLE   0 0 147
SCHWAB U.S. TIPS ETF ETF 808524870 9,241 153,964 SH   SOLE   0 0 153,964
ROYAL CARIBBEAN CRUISES LTD COM Stock V7780T103 12 242 SH   SOLE   0 0 242
DOW INC COM Stock 260557103 2 50 SH   SOLE   0 0 50
HANESBRANDS INC COM Stock 410345102 3 248 SH   SOLE   0 0 248
ZOOM VIDEO COMMUNICATIONS INC CL A Stock 98980L101 10 40 SH   SOLE   0 0 40
VANGUARD S&P 500 ETF ETF 922908363 25 89 SH   SOLE   0 0 89
ATLAS AIR WORLDWIDE HLDGS INC COM NEW Stock 049164205 31 716 SH   SOLE   0 0 716
ABERDEEN STANDARD PHYSICAL PRECIOUS METALS BASKET SHARES ETF ETF 003263100 444 5,318 SH   SOLE   0 0 5,318
CROWDSTRIKE HLDGS INC CL A Stock 22788C105 8 80 SH   SOLE   0 0 80
CHEWY INC CL A Stock 16679L109 11 238 SH   SOLE   0 0 238
LILLY ELI & CO COM Stock 532457108 1,096 6,675 SH   SOLE   0 0 6,675
HASBRO INC COM Stock 418056107 2 24 SH   SOLE   0 0 24
SCHWAB U.S. MID-CAP ETF ETF 808524508 3,676 69,867 SH   SOLE   0 0 69,867
SUN CMNTYS INC COM REIT 866674104 7 51 SH   SOLE   0 0 51
HERTZ GLOBAL HLDGS INC COM Stock 42806J106 0 220 SH   SOLE   0 0 220
SPIRIT AIRLS INC COM Stock 848577102 31 1,715 SH   SOLE   0 0 1,715
SHYFT GROUP INC COM Stock 825698103 3 201 SH   SOLE   0 0 201
EMPLOYERS HOLDINGS INC COM Stock 292218104 1,929 63,981 SH   SOLE   0 0 63,981
PREFERRED APT CMNTYS INC COM REIT 74039L103 11 1,505 SH   SOLE   0 0 1,505
MARRIOTT VACTINS WORLDWID CORP COM Stock 57164Y107 2 27 SH   SOLE   0 0 27
BRINKER INTL INC COM Stock 109641100 4,516 188,163 SH   SOLE   0 0 188,163
HERSHEY CO COM Stock 427866108 0 1 SH   SOLE   0 0 1
VANGUARD VALUE INDEX FUND ETF 922908744 1 10 SH   SOLE   0 0 10
AMERICAN EQTY INVT LIFE HLD CO COM Stock 025676206 30 1,199 SH   SOLE   0 0 1,199
CONSOLIDATED COMM HLDGS INC COM Stock 209034107 4 650 SH   SOLE   0 0 650
FACEBOOK INC CL A Stock 30303M102 21 91 SH   SOLE   0 0 91
UNITED BANKSHARES INC WEST VA COM Stock 909907107 16 571 SH   SOLE   0 0 571
CITY HLDG CO COM Stock 177835105 2,640 40,515 SH   SOLE   0 0 40,515
BLOOMIN BRANDS INC COM Stock 094235108 16 1,533 SH   SOLE   0 0 1,533
O-I GLASS INC COM Stock 67098H104 27 3,056 SH   SOLE   0 0 3,056
BALCHEM CORP COM Stock 057665200 52 548 SH   SOLE   0 0 548
BROADCOM INC COM Stock 11135F101 4,939 15,650 SH   SOLE   0 0 15,650
INVESCO CLEANTECH ETF ETF 46137V407 12 244 SH   SOLE   0 0 244
WESTERN DIGITAL CORP. COM Stock 958102105 0 6 SH   SOLE   0 0 6
CUMMINS INC COM Stock 231021106 5 30 SH   SOLE   0 0 30
EOG RES INC COM Stock 26875P101 13 258 SH   SOLE   0 0 258
INVESTORS BANCORP INC NEW COM Stock 46146L101 1,451 170,653 SH   SOLE   0 0 170,653
ABBVIE INC COM Stock 00287Y109 4,509 45,924 SH   SOLE   0 0 45,924
INVESCO S&P GLOBAL WATER INDEX ETF ETF 46138E263 10 272 SH   SOLE   0 0 272
ISHARES LONG-TERM CORPORATE BOND ETF ETF 464289511 3,012 43,010 SH   SOLE   0 0 43,010
FIRST TRUST SWITZERLAND ALPHADEX FUND ETF 33737J232 8 168 SH   SOLE   0 0 168
MACYS INC COM Stock 55616P104 15 2,186 SH   SOLE   0 0 2,186
CHURCH & DWIGHT INC COM Stock 171340102 97 1,260 SH   SOLE   0 0 1,260
ZIMMER BIOMET HOLDINGS INC COM Stock 98956P102 5 40 SH   SOLE   0 0 40
FASTENAL CO COM Stock 311900104 3,795 88,582 SH   SOLE   0 0 88,582
MCDONALDS CORP COM Stock 580135101 2 11 SH   SOLE   0 0 11
ADVANCED MICRO DEVICES INC COM Stock 007903107 5 90 SH   SOLE   0 0 90
AT&T INC COM Stock 00206R102 2,628 86,945 SH   SOLE   0 0 86,945
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 1 25 SH   SOLE   0 0 25
GENERAL ELECTRIC CO COM Stock 369604103 10 1,424 SH   SOLE   0 0 1,424
NETAPP INC COM Stock 64110D104 2,939 66,229 SH   SOLE   0 0 66,229
CLEAN ENERGY FUELS CORP COM Stock 184499101 0 100 SH   SOLE   0 0 100
LULULEMON ATHLETICA INC COM Stock 550021109 14 44 SH   SOLE   0 0 44
AIR LEASE CORP CL A Stock 00912X302 32 1,077 SH   SOLE   0 0 1,077
SIGNET JEWELERS LIMITED SHS Stock G81276100 1,107 107,769 SH   SOLE   0 0 107,769
ALLIANCE DATA SYSTEMS CORP COM Stock 018581108 26 566 SH   SOLE   0 0 566
SALESFORCE COM INC COM Stock 79466L302 5 26 SH   SOLE   0 0 26
COLUMBIA BKG SYS INC COM Stock 197236102 1,992 70,262 SH   SOLE   0 0 70,262
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 19 201 SH   SOLE   0 0 201
JPMORGAN CHASE & CO COM Stock 46625H100 2 25 SH   SOLE   0 0 25
ISHARES INTERMEDIATE CREDIT BOND ETF ETF 464288638 4,370 72,374 SH   SOLE   0 0 72,374
CHEVRON CORP NEW COM Stock 166764100 24 274 SH   SOLE   0 0 274
TJX COS INC NEW COM Stock 872540109 0 2 SH   SOLE   0 0 2
BK OF AMERICA CORP COM Stock 060505104 220 9,279 SH   SOLE   0 0 9,279
VANECK VECTORS RUSSIA ETF ETF 92189F403 4 187 SH   SOLE   0 0 187
WALMART INC COM Stock 931142103 20 165 SH   SOLE   0 0 165
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 200 1,660 SH   SOLE   0 0 1,660
TEXAS INSTRS INC COM Stock 882508104 4,179 32,916 SH   SOLE   0 0 32,916
TARGET CORP COM Stock 87612E106 21 179 SH   SOLE   0 0 179
TEVA PHARMACEUTICAL INDS LTD SPONSORED ADS ADR 881624209 1 47 SH   SOLE   0 0 47
HP INC COM Stock 40434L105 0 15 SH   SOLE   0 0 15
ALPHABET INC CAP STK CL C Stock 02079K107 10 7 SH   SOLE   0 0 7
BEST BUY INC COM Stock 086516101 521 5,975 SH   SOLE   0 0 5,975
TYSON FOODS INC CL A Stock 902494103 329 5,517 SH   SOLE   0 0 5,517
INTERNATIONAL GAME TECHNOLOGY SHS USD Stock G4863A108 32 3,573 SH   SOLE   0 0 3,573
NAVIENT CORPORATION COM Stock 63938C108 18 2,509 SH   SOLE   0 0 2,509
GOPRO INC CL A Stock 38268T103 0 60 SH   SOLE   0 0 60
CANOPY GROWTH CORP COM Stock 138035100 2 100 SH   SOLE   0 0 100
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 6 29 SH   SOLE   0 0 29
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 2,334 105,910 SH   SOLE   0 0 105,910
CRACKER BARREL OLD CTRY STORE COM Stock 22410J106 2,977 26,838 SH   SOLE   0 0 26,838
TIFFANY & CO NEW COM Stock 886547108 3 27 SH   SOLE   0 0 27
FIRST AMERN FINL CORP COM Stock 31847R102 2,397 49,918 SH   SOLE   0 0 49,918
LAM RESEARCH CORP COM Stock 512807108 636 1,967 SH   SOLE   0 0 1,967
PHILIP MORRIS INTL INC COM Stock 718172109 713 10,180 SH   SOLE   0 0 10,180
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 967 16,444 SH   SOLE   0 0 16,444
BARRICK GOLD CORPORATION COM Stock 067901108 8 280 SH   SOLE   0 0 280
ALTRIA GROUP INC COM Stock 02209S103 849 21,637 SH   SOLE   0 0 21,637
AMERICAN WTR WKS CO INC NEW COM Stock 030420103 19 146 SH   SOLE   0 0 146
EXXON MOBIL CORP COM Stock 30231G102 12 270 SH   SOLE   0 0 270
UNITEDHEALTH GROUP INC COM Stock 91324P102 10 34 SH   SOLE   0 0 34
SOLAREDGE TECHNOLOGIES INC COM Stock 83417M104 13 96 SH   SOLE   0 0 96
COLGATE PALMOLIVE CO COM Stock 194162103 5 74 SH   SOLE   0 0 74
AVIS BUDGET GROUP COM Stock 053774105 35 1,509 SH   SOLE   0 0 1,509
NOVO-NORDISK A S ADR ADR 670100205 2,812 42,941 SH   SOLE   0 0 42,941
ISHARES MSCI ACWI LOW CARBON TARGET ETF ETF 46434V464 104 861 SH   SOLE   0 0 861
SCHWAB CHARLES CORP COM Stock 808513105 9 275 SH   SOLE   0 0 275
TORONTO DOMINION BK ONT COM NEW Stock 891160509 0 10 SH   SOLE   0 0 10
ALLEGIANT TRAVEL CO COM Stock 01748X102 977 8,950 SH   SOLE   0 0 8,950
WW INTL INC COM Stock 98262P101 5 200 SH   SOLE   0 0 200
INVESCO S&P 500 EQUAL WEIGHT HEALTH CARE ETF ETF 46137V332 14 62 SH   SOLE   0 0 62
APPLE INC COM Stock 037833100 297 815 SH   SOLE   0 0 815
DISNEY WALT CO COM DISNEY Stock 254687106 42 376 SH   SOLE   0 0 376