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 1,574 8,974 SH   SOLE   8,974 0 0
ABBOTT LABS COM 002824100 1,309 11,080 SH   SOLE   11,080 0 0
ABBVIE INC COM 00287Y109 1,087 10,076 SH   SOLE   10,076 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,572 11,166 SH   SOLE   11,166 0 0
ALPHABET INC CAP STK CL A 02079K305 854 319 SH   SOLE   319 0 0
ALPHABET INC CAP STK CL C 02079K107 4,002 1,501 SH   SOLE   1,501 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 1,401 42,047 SH   SOLE   42,047 0 0
AMAZON COM INC COM 023135106 2,639 803 SH   SOLE   803 0 0
AMERICAN EXPRESS CO COM 025816109 2,298 13,716 SH   SOLE   13,716 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104 637 4,905 SH   SOLE   4,905 0 0
AMGEN INC COM 031162100 2,010 9,452 SH   SOLE   9,452 0 0
AMPHENOL CORP NEW CL A 032095101 516 7,029 SH   SOLE   7,029 0 0
ANALOG DEVICES INC COM 032654105 2,648 15,809 SH   SOLE   15,809 0 0
APPLE INC COM 037833100 5,714 40,379 SH   SOLE   40,379 0 0
ARCH CAP GROUP LTD ORD G0450A105 461 12,068 SH   SOLE   12,068 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,602 13,013 SH   SOLE   13,013 0 0
AUTOZONE INC COM 053332102 2,381 1,402 SH   SOLE   1,402 0 0
AXALTA COATING SYS LTD COM G0750C108 415 14,221 SH   SOLE   14,221 0 0
BECTON DICKINSON & CO COM 075887109 1,895 7,710 SH   SOLE   7,710 0 0
BERKLEY W R CORP COM 084423102 443 6,058 SH   SOLE   6,058 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,003 14,666 SH   SOLE   14,666 0 0
BIOGEN INC COM 09062X103 995 3,515 SH   SOLE   3,515 0 0
BOEING CO COM 097023105 612 2,783 SH   SOLE   2,783 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 472 5,951 SH   SOLE   5,951 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,866 31,276 SH   SOLE   31,276 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 760 14,199 SH   SOLE   14,199 0 0
BROWN & BROWN INC COM 115236101 566 10,212 SH   SOLE   10,212 0 0
BROWN FORMAN CORP CL B 115637209 256 3,824 SH   SOLE   3,824 0 0
CARDINAL HEALTH INC COM 14149Y108 345 6,905 SH   SOLE   6,905 0 0
CARMAX INC COM 143130102 591 4,621 SH   SOLE   4,621 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 305 5,887 SH   SOLE   5,887 0 0
CDW CORP COM 12514G108 699 3,839 SH   SOLE   3,839 0 0
CHEVRON CORP NEW COM 166764100 2,828 27,874 SH   SOLE   27,874 0 0
CISCO SYS INC COM 17275R102 2,607 47,900 SH   SOLE   47,900 0 0
CITIGROUP INC COM NEW 172967424 209 2,974 SH   SOLE   2,974 0 0
CITRIX SYS INC COM 177376100 505 4,705 SH   SOLE   4,705 0 0
COMCAST CORP NEW CL A 20030N101 348 6,231 SH   SOLE   6,231 0 0
COPART INC COM 217204106 728 5,249 SH   SOLE   5,249 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,265 5,042 SH   SOLE   5,042 0 0
CVS HEALTH CORP COM 126650100 3,383 39,865 SH   SOLE   39,865 0 0
DANAHER CORPORATION COM 235851102 3,248 10,660 SH   SOLE   10,660 0 0
DEVON ENERGY CORP NEW COM 25179M103 1,006 28,336 SH   SOLE   28,336 0 0
DIREXION SHS ETF TR DLY S&P500 BR 1X 25460E869 288 18,379 SH   SOLE   18,379 0 0
DISNEY WALT CO COM 254687106 2,563 15,149 SH   SOLE   15,149 0 0
DOCUSIGN INC COM 256163106 3,054 11,865 SH   SOLE   11,865 0 0
DOLLAR GEN CORP NEW COM 256677105 2,743 12,928 SH   SOLE   12,928 0 0
DOLLAR TREE INC COM 256746108 459 4,793 SH   SOLE   4,793 0 0
EASTMAN CHEM CO COM 277432100 343 3,403 SH   SOLE   3,403 0 0
EBAY INC. COM 278642103 3,465 49,740 SH   SOLE   49,740 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 699 6,171 SH   SOLE   6,171 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103 399 12,506 SH   SOLE   12,506 0 0
ELECTRONIC ARTS INC COM 285512109 1,491 10,479 SH   SOLE   10,479 0 0
EQT CORP COM 26884L109 480 23,442 SH   SOLE   23,442 0 0
ERICSSON ADR B SEK 10 294821608 113 10,081 SH   SOLE   10,081 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321 24,866 607,070 SH   SOLE   607,070 0 0
EXELIXIS INC COM 30161Q104 280 13,229 SH   SOLE   13,229 0 0
EXELON CORP COM 30161N101 227 4,704 SH   SOLE   4,704 0 0
EXPEDITORS INTL WASH INC COM 302130109 548 4,597 SH   SOLE   4,597 0 0
EXXON MOBIL CORP COM 30231G102 3,020 51,342 SH   SOLE   51,342 0 0
FACEBOOK INC CL A 30303M102 288 850 SH   SOLE   850 0 0
FASTENAL CO COM 311900104 547 10,599 SH   SOLE   10,599 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 249 6,804 SH   SOLE   6,804 0 0
FLOOR & DECOR HLDGS INC CL A 339750101 522 4,325 SH   SOLE   4,325 0 0
GARTNER INC COM 366651107 579 1,904 SH   SOLE   1,904 0 0
GENERAL ELECTRIC CO COM NEW 369604301 214 2,081 SH   SOLE   2,081 0 0
GLACIER BANCORP INC NEW COM 37637Q105 451 8,149 SH   SOLE   8,149 0 0
HOME DEPOT INC COM 437076102 1,413 4,304 SH   SOLE   4,304 0 0
ICON PLC SHS G4705A100 291 1,109 SH   SOLE   1,109 0 0
IHS MARKIT LTD SHS G47567105 669 5,736 SH   SOLE   5,736 0 0
INGERSOLL RAND INC COM 45687V106 201 3,984 SH   SOLE   3,984 0 0
INTEL CORP COM 458140100 2,179 40,889 SH   SOLE   40,889 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 1,729 19,818 SH   SOLE   19,818 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 5,657 77,750 SH   SOLE   77,750 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 5,678 62,976 SH   SOLE   62,976 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 1,453 7,964 SH   SOLE   7,964 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 6,017 37,994 SH   SOLE   37,994 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,587 4,428 SH   SOLE   4,428 0 0
ISHARES GOLD TR ISHARES NEW 464285204 11,655 348,855 SH   SOLE   348,855 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,480 153,504 SH   SOLE   153,504 0 0
ISHARES INC MSCI PAC JP ETF 464286665 537 11,000 SH   SOLE   11,000 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 768 15,235 SH   SOLE   15,235 0 0
ISHARES TR RUS MID CAP ETF 464287499 636 8,137 SH   SOLE   8,137 0 0
ISHARES TR MSCI USA ESG SLC 464288802 1,218 12,693 SH   SOLE   12,693 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 508 3,244 SH   SOLE   3,244 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,594 20,437 SH   SOLE   20,437 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,204 4,394 SH   SOLE   4,394 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 388 14,936 SH   SOLE   14,936 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 299 11,513 SH   SOLE   11,513 0 0
ISHARES TR SELECT DIVID ETF 464287168 803 7,000 SH   SOLE   7,000 0 0
ISHARES TR NATIONAL MUN ETF 464288414 5,545 47,734 SH   SOLE   47,734 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 231 4,550 SH   SOLE   4,550 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 218 8,292 SH   SOLE   8,292 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 217 8,086 SH   SOLE   8,086 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 398 15,725 SH   SOLE   15,725 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 16,908 128,353 SH   SOLE   128,353 0 0
ISHARES TR CORE MSCI EAFE 46432F842 18,837 253,703 SH   SOLE   253,703 0 0
ISHARES TR CORE S&P SCP ETF 464287804 20,585 188,521 SH   SOLE   188,521 0 0
ISHARES TR IBONDS DEC21 ETF 46434VBK5 216 8,749 SH   SOLE   8,749 0 0
ISHARES TR CORE S&P500 ETF 464287200 43,707 101,451 SH   SOLE   101,451 0 0
ISHARES TR CORE S&P MCP ETF 464287507 29,153 110,820 SH   SOLE   110,820 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 606 11,860 SH   SOLE   11,860 0 0
JOHNSON & JOHNSON COM 478160104 2,850 17,648 SH   SOLE   17,648 0 0
JOHNSON CTLS INTL PLC SHS G51502105 204 2,987 SH   SOLE   2,987 0 0
JPMORGAN CHASE & CO COM 46625H100 3,883 23,722 SH   SOLE   23,722 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 334 2,031 SH   SOLE   2,031 0 0
KROGER CO COM 501044101 2,224 55,009 SH   SOLE   55,009 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 718 2,550 SH   SOLE   2,550 0 0
LAM RESEARCH CORP COM 512807108 241 422 SH   SOLE   422 0 0
LENNAR CORP CL A 526057104 212 2,258 SH   SOLE   2,258 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 618 3,580 SH   SOLE   3,580 0 0
LILLY ELI & CO COM 532457108 494 2,136 SH   SOLE   2,136 0 0
LINDE PLC SHS G5494J103 315 1,075 SH   SOLE   1,075 0 0
LOWES COS INC COM 548661107 2,104 10,374 SH   SOLE   10,374 0 0
M & T BK CORP COM 55261F104 309 2,069 SH   SOLE   2,069 0 0
MARKEL CORP COM 570535104 590 493 SH   SOLE   493 0 0
MCDONALDS CORP COM 580135101 2,334 9,682 SH   SOLE   9,682 0 0
MCKESSON CORP COM 58155Q103 2,584 12,962 SH   SOLE   12,962 0 0
MEDTRONIC PLC SHS G5960L103 221 1,751 SH   SOLE   1,751 0 0
MERCK & CO INC COM 58933Y105 263 3,478 SH   SOLE   3,478 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 456 2,970 SH   SOLE   2,970 0 0
MICROSOFT CORP COM 594918104 5,371 19,053 SH   SOLE   19,053 0 0
MONDELEZ INTL INC CL A 609207105 283 4,836 SH   SOLE   4,836 0 0
NIKE INC CL B 654106103 551 3,795 SH   SOLE   3,795 0 0
NORTHERN TR CORP COM 665859104 2,051 19,029 SH   SOLE   19,029 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 389 8,942 SH   SOLE   8,942 0 0
NVIDIA CORPORATION COM 67066G104 202 975 SH   SOLE   975 0 0
OMNICOM GROUP INC COM 681919106 354 4,838 SH   SOLE   4,838 0 0
ORACLE CORP COM 68389X105 2,944 33,790 SH   SOLE   33,790 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 632 1,034 SH   SOLE   1,034 0 0
OTIS WORLDWIDE CORP COM 68902V107 243 2,956 SH   SOLE   2,956 0 0
PALO ALTO NETWORKS INC COM 697435105 766 1,599 SH   SOLE   1,599 0 0
PAYPAL HLDGS INC COM 70450Y103 2,874 11,045 SH   SOLE   11,045 0 0
PEPSICO INC COM 713448108 2,297 15,273 SH   SOLE   15,273 0 0
PFIZER INC COM 717081103 3,159 73,459 SH   SOLE   73,459 0 0
PNC FINL SVCS GROUP INC COM 693475105 3,110 15,897 SH   SOLE   15,897 0 0
PROCTER AND GAMBLE CO COM 742718109 1,789 12,798 SH   SOLE   12,798 0 0
PROGRESSIVE CORP COM 743315103 2,846 31,489 SH   SOLE   31,489 0 0
QORVO INC COM 74736K101 438 2,619 SH   SOLE   2,619 0 0
QUALCOMM INC COM 747525103 2,825 21,901 SH   SOLE   21,901 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 510 5,933 SH   SOLE   5,933 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 406 19,052 SH   SOLE   19,052 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604 436 3,920 SH   SOLE   3,920 0 0
RLI CORP COM 749607107 373 3,721 SH   SOLE   3,721 0 0
ROSS STORES INC COM 778296103 415 3,809 SH   SOLE   3,809 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 19,857 604,858 SH   SOLE   604,858 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 10,354 321,255 SH   SOLE   321,255 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 17,932 340,399 SH   SOLE   340,399 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 14,957 277,233 SH   SOLE   277,233 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 265 3,571 SH   SOLE   3,571 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 5,276 84,302 SH   SOLE   84,302 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 13,904 245,170 SH   SOLE   245,170 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 639 10,000 SH   SOLE   10,000 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 5,121 98,310 SH   SOLE   98,310 0 0
SHOPIFY INC CL A 82509L107 270 199 SH   SOLE   199 0 0
SMITH A O CORP COM 831865209 427 7,000 SH   SOLE   7,000 0 0
SMUCKER J M CO COM NEW 832696405 1,588 13,234 SH   SOLE   13,234 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 567 5,130 SH   SOLE   5,130 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,121 3,300 SH   SOLE   3,300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 9,452 21,880 SH   SOLE   21,880 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,697 9,741 SH   SOLE   9,741 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 379 12,121 SH   SOLE   12,121 0 0
SPDR SER TR S&P DIVID ETF 78464A763 206 1,750 SH   SOLE   1,750 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 5,133 62,625 SH   SOLE   62,625 0 0
STARBUCKS CORP COM 855244109 1,618 14,667 SH   SOLE   14,667 0 0
STRYKER CORPORATION COM 863667101 2,169 8,203 SH   SOLE   8,203 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 224 1,986 SH   SOLE   1,986 0 0
TARGET CORP COM 87612E106 251 1,096 SH   SOLE   1,096 0 0
TE CONNECTIVITY LTD REG SHS H84989104 436 3,178 SH   SOLE   3,178 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 615 1,076 SH   SOLE   1,076 0 0
TRIMTABS ETF TR US FREE CASH FLW 89628W302 1,585 29,326 SH   SOLE   29,326 0 0
TRUIST FINL CORP COM 89832Q109 2,508 42,757 SH   SOLE   42,757 0 0
ULTA BEAUTY INC COM 90384S303 420 1,164 SH   SOLE   1,164 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 360 2,605 SH   SOLE   2,605 0 0
US BANCORP DEL COM NEW 902973304 682 11,387 SH   SOLE   11,387 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,655 11,957 SH   SOLE   11,957 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,959 4,951 SH   SOLE   4,951 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 4,906 36,700 SH   SOLE   36,700 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,429 23,447 SH   SOLE   23,447 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,969 163,758 SH   SOLE   163,758 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 27,287 331,117 SH   SOLE   331,117 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 31,007 201,868 SH   SOLE   201,868 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 757 15,000 SH   SOLE   15,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 610 5,901 SH   SOLE   5,901 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 322 5,216 SH   SOLE   5,216 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,617 29,931 SH   SOLE   29,931 0 0
VISA INC COM CL A 92826C839 2,845 12,770 SH   SOLE   12,770 0 0
XILINX INC COM 983919101 2,361 15,635 SH   SOLE   15,635 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 416 808 SH   SOLE   808 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 350 2,387 SH   SOLE   2,387 0 0
ZOETIS INC CL A 98978V103 412 2,124 SH   SOLE   2,124 0 0