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 COM 023135106 7,846 2,388 SH   SOLE NONE 0 0 2,388
INVESCO QQQ TRUST UNIT SER 1 46090E103 260 726 SH   SOLE NONE 0 0 726
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 470 3,148 SH   SOLE NONE 0 0 3,148
STARBUCKS CORP COM COM 855244109 2,044 18,529 SH   SOLE NONE 0 0 18,529
SQUARE INC CL A CL A 852234103 241 1,004 SH   SOLE NONE 0 0 1,004
SPDR PORTFOLIO AGGREGATE BOND ETF PORTFOLIO AGRGTE 78464A649 376 12,612 SH   SOLE NONE 0 0 12,612
ANTHEM INC COM COM 036752103 329 883 SH   SOLE NONE 0 0 883
ISHARES GOLD TRUST ISHARES NEW 464285204 8,815 263,845 SH   SOLE NONE 0 0 263,845
JOHNSON & JOHNSON COM COM 478160104 3,054 18,913 SH   SOLE NONE 0 0 18,913
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 35,984 162,045 SH   SOLE NONE 0 0 162,045
COSTCO WHSL CORP NEW COM COM 22160K105 645 1,435 SH   SOLE NONE 0 0 1,435
PROCTER AND GAMBLE CO COM COM 742718109 2,490 17,813 SH   SOLE NONE 0 0 17,813
COCA COLA CO COM COM 191216100 2,579 147,246 SH   SOLE NONE 0 0 147,246
TRUIST FINL CORP COM COM 89832Q109 222 3,780 SH   SOLE NONE 0 0 3,780
UNITED PARCEL SERVICE INC CL B CL B 911312106 449 2,465 SH   SOLE NONE 0 0 2,465
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 4,531 44,517 SH   SOLE NONE 0 0 44,517
INTEL CORP COM COM 458140100 651 12,225 SH   SOLE NONE 0 0 12,225
CME GROUP INC COM COM 12572Q105 289 1,495 SH   SOLE NONE 0 0 1,495
MEDTRONIC PLC SHS SHS G5960L103 2,154 17,185 SH   SOLE NONE 0 0 17,185
NETFLIX INC COM COM 64110L106 720 1,180 SH   SOLE NONE 0 0 1,180
PAYCHEX INC COM COM 704326107 206 1,836 SH   SOLE NONE 0 0 1,836
SPDR S&P SEMICONDUCTOR ETF S&P SEMICNDCTR 78464A862 722 3,646 SH   SOLE NONE 0 0 3,646
MERCK & CO INC COM COM 58933Y105 2,454 32,668 SH   SOLE NONE 0 0 32,668
SPDR S&P 500 ETF TR UNIT 78462F103 4,899 11,416 SH   SOLE NONE 0 0 11,416
MASTERCARD INCORPORATED CL A CL A 57636Q104 853 2,454 SH   SOLE NONE 0 0 2,454
ILLINOIS TOOL WKS INC COM COM 452308109 1,760 8,517 SH   SOLE NONE 0 0 8,517
ALLSTATE CORP COM COM 020002101 1,927 15,138 SH   SOLE NONE 0 0 15,138
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 252 1,970 SH   SOLE NONE 0 0 1,970
SYNCHRONOSS TECHNOLOGIES INC COM COM 87157B103 68 28,317 SH   SOLE NONE 0 0 28,317
VERIZON COMMUNICATIONS INC COM COM 92343V104 569 10,540 SH   SOLE NONE 0 0 10,540
FEDEX CORP COM COM 31428X106 221 1,007 SH   SOLE NONE 0 0 1,007
PEPSICO INC COM COM 713448108 595 3,954 SH   SOLE NONE 0 0 3,954
DXC TECHNOLOGY CO COM COM 23355L106 204 6,078 SH   SOLE NONE 0 0 6,078
HONEYWELL INTL INC COM COM 438516106 2,271 10,700 SH   SOLE NONE 0 0 10,700
FORD MTR CO DEL COM COM 345370860 315 22,264 SH   SOLE NONE 0 0 22,264
HOME DEPOT INC COM COM 437076102 3,463 10,550 SH   SOLE NONE 0 0 10,550
AUTOMATIC DATA PROCESSING INC COM COM 053015103 2,182 10,912 SH   SOLE NONE 0 0 10,912
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 669 5,256 SH   SOLE NONE 0 0 5,256
INFOSYS LTD SPONSORED ADR SPONSORED ADR 456788108 1,896 85,197 SH   SOLE NONE 0 0 85,197
SPDR GOLD SHARES GOLD SHS 78463V107 864 5,263 SH   SOLE NONE 0 0 5,263
SOUTHERN CO COM COM 842587107 1,264 20,392 SH   SOLE NONE 0 0 20,392
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 15,354 56,027 SH   SOLE NONE 0 0 56,027
SCHWAB U.S. BROAD MARKET ETF US BRD MKT ETF 808524102 380 3,657 SH   SOLE NONE 0 0 3,657
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 1,452 28,630 SH   SOLE NONE 0 0 28,630
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 2,566 9,402 SH   SOLE NONE 0 0 9,402
ADOBE SYSTEMS INCORPORATED COM COM 00724F101 807 1,401 SH   SOLE NONE 0 0 1,401
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 2,778 1,039 SH   SOLE NONE 0 0 1,039
PROGRESSIVE CORP COM COM 743315103 1,665 18,417 SH   SOLE NONE 0 0 18,417
INTUIT COM COM 461202103 444 822 SH   SOLE NONE 0 0 822
CSX CORP COM COM 126408103 233 7,846 SH   SOLE NONE 0 0 7,846
COMCAST CORP NEW CL A CL A 20030N101 417 7,460 SH   SOLE NONE 0 0 7,460
MICROSOFT CORP COM COM 594918104 8,339 29,579 SH   SOLE NONE 0 0 29,579
CVS HEALTH CORP COM COM 126650100 322 3,795 SH   SOLE NONE 0 0 3,795
SIMON PPTY GROUP INC NEW COM COM 828806109 252 1,942 SH   SOLE NONE 0 0 1,942
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 823 2 SH   SOLE NONE 0 0 2
BOEING CO COM COM 097023105 286 1,299 SH   SOLE NONE 0 0 1,299
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 342 1,443 SH   SOLE NONE 0 0 1,443
NEXTERA ENERGY INC COM COM 65339F101 507 6,451 SH   SOLE NONE 0 0 6,451
NIKE INC CL B CL B 654106103 334 2,300 SH   SOLE NONE 0 0 2,300
TESLA INC COM COM 88160R101 1,356 1,748 SH   SOLE NONE 0 0 1,748
LINDE PLC SHS SHS G5494J103 270 922 SH   SOLE NONE 0 0 922
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 500 9,780 SH   SOLE NONE 0 0 9,780
MODERNA INC COM COM 60770K107 534 1,387 SH   SOLE NONE 0 0 1,387
NORFOLK SOUTHN CORP COM COM 655844108 320 1,337 SH   SOLE NONE 0 0 1,337
SCHWAB SHORT-TERM U.S. TREASURY ETF SHT TM US TRES 808524862 290 5,665 SH   SOLE NONE 0 0 5,665
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 201 1,072 SH   SOLE NONE 0 0 1,072
VANGUARD INFORMATION TECHNOLOGY INDEX FUND INF TECH ETF 92204A702 903 2,250 SH   SOLE NONE 0 0 2,250
DOW INC COM COM 260557103 207 3,590 SH   SOLE NONE 0 0 3,590
ZOOM VIDEO COMMUNICATIONS INC CL A CL A 98980L101 250 955 SH   SOLE NONE 0 0 955
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 354 897 SH   SOLE NONE 0 0 897
LILLY ELI & CO COM COM 532457108 2,336 10,110 SH   SOLE NONE 0 0 10,110
AIR PRODS & CHEMS INC COM COM 009158106 1,679 6,557 SH   SOLE NONE 0 0 6,557
VANGUARD RUSSELL 1000 GROWTH ETF VNG RUS1000GRW 92206C680 264 3,748 SH   SOLE NONE 0 0 3,748
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 494 2,257 SH   SOLE NONE 0 0 2,257
DUKE ENERGY CORP NEW COM NEW COM NEW 26441C204 284 2,915 SH   SOLE NONE 0 0 2,915
AMERICAN ELEC PWR CO INC COM COM 025537101 211 2,605 SH   SOLE NONE 0 0 2,605
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING CLOUD COMPUTING 33734X192 241 2,289 SH   SOLE NONE 0 0 2,289
STATE AUTO FINL CORP COM COM 855707105 6,903 135,487 SH   SOLE NONE 0 0 135,487
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 307 1,814 SH   SOLE NONE 0 0 1,814
KEMPER CORP COM COM 488401100 1,315 19,687 SH   SOLE NONE 0 0 19,687
VISA INC COM CL A COM CL A 92826C839 1,130 5,074 SH   SOLE NONE 0 0 5,074
ISHARES MSCI USA MIN VOL FACTOR ETF MSCI USA MIN VOL 46429B697 365 4,969 SH   SOLE NONE 0 0 4,969
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 625 2,232 SH   SOLE NONE 0 0 2,232
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 8,552 63,178 SH   SOLE NONE 0 0 63,178
VANGUARD GROWTH INDEX FUND GROWTH ETF 922908736 15,781 54,385 SH   SOLE NONE 0 0 54,385
SPIRE INC COM COM 84857L101 9,652 157,766 SH   SOLE NONE 0 0 157,766
AMERICAN TOWER CORP NEW COM COM 03027X100 384 1,447 SH   SOLE NONE 0 0 1,447
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 27,060 275,054 SH   SOLE NONE 0 0 275,054
FACEBOOK INC CL A CL A 30303M102 1,581 4,659 SH   SOLE NONE 0 0 4,659
MONDELEZ INTL INC CL A CL A 609207105 200 3,436 SH   SOLE NONE 0 0 3,436
BROADCOM INC COM COM 11135F101 605 1,247 SH   SOLE NONE 0 0 1,247
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 204 2,880 SH   SOLE NONE 0 0 2,880
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 15,820 213,065 SH   SOLE NONE 0 0 213,065
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 5,670 17,722 SH   SOLE NONE 0 0 17,722
KROGER CO COM COM 501044101 417 10,316 SH   SOLE NONE 0 0 10,316
NVIDIA CORPORATION COM COM 67066G104 1,509 7,285 SH   SOLE NONE 0 0 7,285
ABBVIE INC COM COM 00287Y109 609 5,647 SH   SOLE NONE 0 0 5,647
S&P GLOBAL INC COM COM 78409V104 283 666 SH   SOLE NONE 0 0 666
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 4,298 69,584 SH   SOLE NONE 0 0 69,584
ZOETIS INC CL A CL A 98978V103 274 1,410 SH   SOLE NONE 0 0 1,410
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 1,506 13,490 SH   SOLE NONE 0 0 13,490
QUALCOMM INC COM COM 747525103 215 1,666 SH   SOLE NONE 0 0 1,666
GENERAL DYNAMICS CORP COM COM 369550108 2,176 11,101 SH   SOLE NONE 0 0 11,101
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 247 248 SH   SOLE NONE 0 0 248
MCDONALDS CORP COM COM 580135101 2,636 10,931 SH   SOLE NONE 0 0 10,931
CISCO SYS INC COM COM 17275R102 2,233 41,028 SH   SOLE NONE 0 0 41,028
ADVANCED MICRO DEVICES INC COM COM 007903107 332 3,228 SH   SOLE NONE 0 0 3,228
AT&T INC COM COM 00206R102 493 18,245 SH   SOLE NONE 0 0 18,245
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND INTERMED TERM 921937819 890 9,947 SH   SOLE NONE 0 0 9,947
ISHARES BIOTECHNOLOGY FUND ISHARES BIOTECH 464287556 296 1,830 SH   SOLE NONE 0 0 1,830
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 305 2,961 SH   SOLE NONE 0 0 2,961
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 466 2,598 SH   SOLE NONE 0 0 2,598
CHARTER COMMUNICATIONS INC NEW CL A CL A 16119P108 307 422 SH   SOLE NONE 0 0 422
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 1,910 4,433 SH   SOLE NONE 0 0 4,433
UNION PAC CORP COM COM 907818108 1,916 9,777 SH   SOLE NONE 0 0 9,777
ISHARES MBS ETF MBS ETF 464288588 681 6,296 SH   SOLE NONE 0 0 6,296
SALESFORCE COM INC COM COM 79466L302 506 1,864 SH   SOLE NONE 0 0 1,864
NORTHROP GRUMMAN CORP COM COM 666807102 1,835 5,096 SH   SOLE NONE 0 0 5,096
THERMO FISHER SCIENTIFIC INC COM COM 883556102 830 1,452 SH   SOLE NONE 0 0 1,452
LOCKHEED MARTIN CORP COM COM 539830109 2,542 7,366 SH   SOLE NONE 0 0 7,366
JPMORGAN CHASE & CO COM COM 46625H100 1,017 6,210 SH   SOLE NONE 0 0 6,210
CHEVRON CORP NEW COM COM 166764100 436 4,297 SH   SOLE NONE 0 0 4,297
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 472 4,060 SH   SOLE NONE 0 0 4,060
DANAHER CORPORATION COM COM 235851102 565 1,857 SH   SOLE NONE 0 0 1,857
M & T BK CORP COM COM 55261F104 206 1,379 SH   SOLE NONE 0 0 1,379
BK OF AMERICA CORP COM COM 060505104 345 8,126 SH   SOLE NONE 0 0 8,126
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 4,946 42,078 SH   SOLE NONE 0 0 42,078
WALMART INC COM COM 931142103 669 4,798 SH   SOLE NONE 0 0 4,798
INTERNATIONAL BUSINESS MACHS COM COM 459200101 272 1,956 SH   SOLE NONE 0 0 1,956
ORACLE CORP COM COM 68389X105 2,315 26,567 SH   SOLE NONE 0 0 26,567
TEXAS INSTRS INC COM COM 882508104 731 3,804 SH   SOLE NONE 0 0 3,804
TARGET CORP COM COM 87612E106 434 1,895 SH   SOLE NONE 0 0 1,895
PFIZER INC COM COM 717081103 598 13,900 SH   SOLE NONE 0 0 13,900
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 451 3,390 SH   SOLE NONE 0 0 3,390
3M CO COM COM 88579Y101 1,917 10,926 SH   SOLE NONE 0 0 10,926
CATERPILLAR INC COM COM 149123101 303 1,577 SH   SOLE NONE 0 0 1,577
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 1,964 737 SH   SOLE NONE 0 0 737
AMGEN INC COM COM 031162100 394 1,854 SH   SOLE NONE 0 0 1,854
APPLIED MATLS INC COM COM 038222105 245 1,907 SH   SOLE NONE 0 0 1,907
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX DJ INTERNT IDX 33733E302 268 1,135 SH   SOLE NONE 0 0 1,135
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 18,397 160,207 SH   SOLE NONE 0 0 160,207
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 6,581 130,984 SH   SOLE NONE 0 0 130,984
EATON CORP PLC SHS SHS G29183103 201 1,343 SH   SOLE NONE 0 0 1,343
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 282 10,503 SH   SOLE NONE 0 0 10,503
ISHARES CORE TOTAL USD BOND MARKET ETF CORE TOTAL USD 46434V613 831 15,607 SH   SOLE NONE 0 0 15,607
DELTA AIR LINES INC DEL COM NEW COM NEW 247361702 515 12,079 SH   SOLE NONE 0 0 12,079
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 498 6,082 SH   SOLE NONE 0 0 6,082
PNC FINL SVCS GROUP INC COM COM 693475105 277 1,417 SH   SOLE NONE 0 0 1,417
BRISTOL-MYERS SQUIBB CO COM COM 110122108 355 5,999 SH   SOLE NONE 0 0 5,999
ALTRIA GROUP INC COM COM 02209S103 325 7,146 SH   SOLE NONE 0 0 7,146
DOMINION ENERGY INC COM COM 25746U109 262 3,592 SH   SOLE NONE 0 0 3,592
CITIGROUP INC COM NEW COM NEW 172967424 231 3,285 SH   SOLE NONE 0 0 3,285
EXXON MOBIL CORP COM COM 30231G102 896 15,235 SH   SOLE NONE 0 0 15,235
UNITEDHEALTH GROUP INC COM COM 91324P102 609 1,558 SH   SOLE NONE 0 0 1,558
LOWES COS INC COM COM 548661107 464 2,289 SH   SOLE NONE 0 0 2,289
VANECK INTERMEDIATE MUNI ETF INTRMDT MUNI ETF 92189H201 811 15,821 SH   SOLE NONE 0 0 15,821
LINCOLN NATL CORP IND COM COM 534187109 360 5,243 SH   SOLE NONE 0 0 5,243
DEERE & CO COM COM 244199105 228 680 SH   SOLE NONE 0 0 680
CONFORMIS INC COM COM 20717E101 14 10,250 SH   SOLE NONE 0 0 10,250
PAYPAL HLDGS INC COM COM 70450Y103 1,022 3,926 SH   SOLE NONE 0 0 3,926
CROWN CASTLE INTL CORP NEW COM COM 22822V101 307 1,772 SH   SOLE NONE 0 0 1,772
AUTOZONE INC COM COM 053332102 253 149 SH   SOLE NONE 0 0 149
BLACKROCK INC COM COM 09247X101 369 440 SH   SOLE NONE 0 0 440
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,195 15,324 SH   SOLE NONE 0 0 15,324
APPLE INC COM COM 037833100 15,802 111,674 SH   SOLE NONE 0 0 111,674
ABBOTT LABS COM COM 002824100 2,320 19,637 SH   SOLE NONE 0 0 19,637
DISNEY WALT CO COM COM 254687106 773 4,569 SH   SOLE NONE 0 0 4,569
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 740 4,730 SH   SOLE NONE 0 0 4,730