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 4,542 23,571 SH   SOLE   0 0 23,571
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 565 2,045 SH   SOLE   0 0 2,045
AIR PRODS & CHEMS INC COM 009158106 20,426 72,604 SH   SOLE   0 0 72,604
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 745 3,288 SH   SOLE   0 0 3,288
ALPHABET INC CAP STK CL A 02079K305 3,455 1,675 SH   SOLE   0 0 1,675
ALPHABET INC CAP STK CL C 02079K107 20,258 9,793 SH   SOLE   0 0 9,793
ALTRIA GROUP INC COM 02209S103 9,284 181,470 SH   SOLE   0 0 181,470
AMAZON COM INC COM 023135106 21,080 6,813 SH   SOLE   0 0 6,813
AMERICAN EXPRESS CO COM 025816109 231 1,630 SH   SOLE   0 0 1,630
AMGEN INC COM 031162100 788 3,166 SH   SOLE   0 0 3,166
APPLE INC COM 037833100 21,058 172,393 SH   SOLE   0 0 172,393
AT&T INC COM 00206R102 330 10,903 SH   SOLE   0 0 10,903
AUTOZONE INC COM 053332102 5,442 3,875 SH   SOLE   0 0 3,875
BANK NEW YORK MELLON CORP COM 064058100 246 5,205 SH   SOLE   0 0 5,205
BCE INC COM NEW 05534B760 8,294 183,743 SH   SOLE   0 0 183,743
BERKSHIRE HATHAWAY INC DEL CL A 084670108 386 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,706 6,677 SH   SOLE   0 0 6,677
BK OF AMERICA CORP COM 060505104 6,380 164,900 SH   SOLE   0 0 164,900
BLACKSTONE GROUP INC COM 09260D107 1,108 14,865 SH   SOLE   0 0 14,865
BRISTOL-MYERS SQUIBB CO COM 110122108 1,678 26,583 SH   SOLE   0 0 26,583
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,256 32,429 SH   SOLE   0 0 32,429
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 201 4,510 SH   SOLE   0 0 4,510
CERNER CORP COM 156782104 14,402 200,357 SH   SOLE   0 0 200,357
CHEVRON CORP NEW COM 166764100 897 8,558 SH   SOLE   0 0 8,558
CHEWY INC CL A 16679L109 468 5,525 SH   SOLE   0 0 5,525
CISCO SYS INC COM 17275R102 11,725 226,749 SH   SOLE   0 0 226,749
COCA COLA CO COM 191216100 11,021 209,081 SH   SOLE   0 0 209,081
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 15,296 195,799 SH   SOLE   0 0 195,799
COMCAST CORP NEW CL A 20030N101 1,057 19,534 SH   SOLE   0 0 19,534
COSTCO WHSL CORP NEW COM 22160K105 12,223 34,676 SH   SOLE   0 0 34,676
CROWDSTRIKE HLDGS INC CL A 22788C105 456 2,500 SH   SOLE   0 0 2,500
CUMMINS INC COM 231021106 2,246 8,667 SH   SOLE   0 0 8,667
DEERE & CO COM 244199105 295 789 SH   SOLE   0 0 789
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 263 3,425 SH   SOLE   0 0 3,425
DISCOVER FINL SVCS COM 254709108 10,604 111,631 SH   SOLE   0 0 111,631
DISNEY WALT CO COM 254687106 353 1,911 SH   SOLE   0 0 1,911
ELECTRONIC ARTS INC COM 285512109 5,444 40,218 SH   SOLE   0 0 40,218
ENTERPRISE PRODS PARTNERS L COM 293792107 805 36,565 SH   SOLE   0 0 36,565
EXXON MOBIL CORP COM 30231G102 8,023 143,698 SH   SOLE   0 0 143,698
FACEBOOK INC CL A 30303M102 17,745 60,248 SH   SOLE   0 0 60,248
FARFETCH LTD ORD SH CL A 30744W107 636 12,000 SH   SOLE   0 0 12,000
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 328 4,300 SH   SOLE   0 0 4,300
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 563 42,518 SH   SOLE   0 0 42,518
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 4,456 91,025 SH   SOLE   0 0 91,025
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,397 50,819 SH   SOLE   0 0 50,819
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 245 5,905 SH   SOLE   0 0 5,905
FORTINET INC COM 34959E109 841 4,558 SH   SOLE   0 0 4,558
GENERAL DYNAMICS CORP COM 369550108 12,016 66,183 SH   SOLE   0 0 66,183
HOME DEPOT INC COM 437076102 3,509 11,496 SH   SOLE   0 0 11,496
HONEYWELL INTL INC COM 438516106 7,179 33,070 SH   SOLE   0 0 33,070
HOULIHAN LOKEY INC CL A 441593100 363 5,465 SH   SOLE   0 0 5,465
HUNTINGTON INGALLS INDS INC COM 446413106 2,385 11,586 SH   SOLE   0 0 11,586
ICON PLC SHS G4705A100 699 3,561 SH   SOLE   0 0 3,561
INTEL CORP COM 458140100 7,533 117,709 SH   SOLE   0 0 117,709
INTERNATIONAL BUSINESS MACHS COM 459200101 710 5,325 SH   SOLE   0 0 5,325
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 5,193 102,863 SH   SOLE   0 0 102,863
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 289 4,965 SH   SOLE   0 0 4,965
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 338 15,294 SH   SOLE   0 0 15,294
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 219 1,547 SH   SOLE   0 0 1,547
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 278 6,261 SH   SOLE   0 0 6,261
INVESCO QQQ TR UNIT SER 1 46090E103 247 774 SH   SOLE   0 0 774
ISHARES GOLD TR ISHARES 464285105 191 11,721 SH   SOLE   0 0 11,721
ISHARES INC CORE MSCI EMKT 46434G103 14,191 220,497 SH   SOLE   0 0 220,497
ISHARES INC MSCI EMERG MRKT 464286533 243 3,840 SH   SOLE   0 0 3,840
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,841 36,328 SH   SOLE   0 0 36,328
ISHARES TR 0-5YR HI YL CP 46434V407 10,305 224,955 SH   SOLE   0 0 224,955
ISHARES TR CORE MSCI EAFE 46432F842 22,092 306,625 SH   SOLE   0 0 306,625
ISHARES TR CORE S&P MCP ETF 464287507 19,884 76,395 SH   SOLE   0 0 76,395
ISHARES TR CORE S&P SCP ETF 464287804 16,345 150,604 SH   SOLE   0 0 150,604
ISHARES TR CORE S&P TTL STK 464287150 409 4,461 SH   SOLE   0 0 4,461
ISHARES TR CORE S&P500 ETF 464287200 4,735 11,902 SH   SOLE   0 0 11,902
ISHARES TR CORE US AGGBD ET 464287226 19,392 170,355 SH   SOLE   0 0 170,355
ISHARES TR EAFE SML CP ETF 464288273 603 8,388 SH   SOLE   0 0 8,388
ISHARES TR FLTG RATE NT ETF 46429B655 2,230 43,923 SH   SOLE   0 0 43,923
ISHARES TR ISHS 1-5YR INVS 464288646 15,461 282,759 SH   SOLE   0 0 282,759
ISHARES TR ISHS 5-10YR INVT 464288638 8,880 149,925 SH   SOLE   0 0 149,925
ISHARES TR MBS ETF 464288588 17,754 163,750 SH   SOLE   0 0 163,750
ISHARES TR MSCI ACWI EX US 464288240 274 4,963 SH   SOLE   0 0 4,963
ISHARES TR MSCI EAFE ETF 464287465 329 4,342 SH   SOLE   0 0 4,342
ISHARES TR MSCI EAFE MIN VL 46429B689 437 5,984 SH   SOLE   0 0 5,984
ISHARES TR NATIONAL MUN ETF 464288414 3,918 33,762 SH   SOLE   0 0 33,762
ISHARES TR RUS 1000 GRW ETF 464287614 1,241 5,107 SH   SOLE   0 0 5,107
ISHARES TR RUS 1000 VAL ETF 464287598 636 4,194 SH   SOLE   0 0 4,194
ISHARES TR RUS 2000 GRW ETF 464287648 298 991 SH   SOLE   0 0 991
ISHARES TR RUS 2000 VAL ETF 464287630 319 2,001 SH   SOLE   0 0 2,001
ISHARES TR RUS MID CAP ETF 464287499 389 5,263 SH   SOLE   0 0 5,263
ISHARES TR RUSSELL 2000 ETF 464287655 268 1,215 SH   SOLE   0 0 1,215
ISHARES TR S&P 500 GRWT ETF 464287309 455 6,987 SH   SOLE   0 0 6,987
ISHARES TR S&P 500 VAL ETF 464287408 463 3,275 SH   SOLE   0 0 3,275
ISHARES TR SHRT NAT MUN ETF 464288158 2,315 21,473 SH   SOLE   0 0 21,473
ISHARES TR SP SMCP600VL ETF 464287879 278 2,756 SH   SOLE   0 0 2,756
ISHARES TR U.S. TECH ETF 464287721 200 2,280 SH   SOLE   0 0 2,280
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 2,696 44,200 SH   SOLE   0 0 44,200
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 481 9,340 SH   SOLE   0 0 9,340
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 13,759 271,087 SH   SOLE   0 0 271,087
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,255 83,371 SH   SOLE   0 0 83,371
JD.COM INC SPON ADR CL A 47215P106 506 6,000 SH   SOLE   0 0 6,000
JOHNSON & JOHNSON COM 478160104 4,497 27,364 SH   SOLE   0 0 27,364
JPMORGAN CHASE & CO COM 46625H100 30,428 199,884 SH   SOLE   0 0 199,884
KIMBERLY-CLARK CORP COM 494368103 4,626 33,266 SH   SOLE   0 0 33,266
LILLY ELI & CO COM 532457108 1,458 7,806 SH   SOLE   0 0 7,806
LOCKHEED MARTIN CORP COM 539830109 2,700 7,308 SH   SOLE   0 0 7,308
LOWES COS INC COM 548661107 1,742 9,160 SH   SOLE   0 0 9,160
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 3,406 32,732 SH   SOLE   0 0 32,732
MASTERCARD INCORPORATED CL A 57636Q104 14,263 40,059 SH   SOLE   0 0 40,059
MCKESSON CORP COM 58155Q103 2,670 13,691 SH   SOLE   0 0 13,691
MERCK & CO. INC COM 58933Y105 14,132 183,323 SH   SOLE   0 0 183,323
MICROSOFT CORP COM 594918104 26,703 113,257 SH   SOLE   0 0 113,257
NETFLIX INC COM 64110L106 257 492 SH   SOLE   0 0 492
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 1,560 31,195 SH   SOLE   0 0 31,195
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 367 5,037 SH   SOLE   0 0 5,037
NIKE INC CL B 654106103 7,632 57,430 SH   SOLE   0 0 57,430
NVIDIA CORPORATION COM 67066G104 344 645 SH   SOLE   0 0 645
OKTA INC CL A 679295105 292 1,326 SH   SOLE   0 0 1,326
OMNICOM GROUP INC COM 681919106 4,310 58,123 SH   SOLE   0 0 58,123
ORACLE CORP COM 68389X105 16,339 232,853 SH   SOLE   0 0 232,853
PEPSICO INC COM 713448108 2,976 21,039 SH   SOLE   0 0 21,039
PFIZER INC COM 717081103 386 10,656 SH   SOLE   0 0 10,656
PHILIP MORRIS INTL INC COM 718172109 13,557 152,767 SH   SOLE   0 0 152,767
PINNACLE WEST CAP CORP COM 723484101 5,302 65,176 SH   SOLE   0 0 65,176
PPL CORP COM 69351T106 10,476 363,230 SH   SOLE   0 0 363,230
PROCTER AND GAMBLE CO COM 742718109 2,412 17,807 SH   SOLE   0 0 17,807
QUALCOMM INC COM 747525103 219 1,655 SH   SOLE   0 0 1,655
QUEST DIAGNOSTICS INC COM 74834L100 14,956 116,536 SH   SOLE   0 0 116,536
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,923 63,708 SH   SOLE   0 0 63,708
REVOLVE GROUP INC CL A 76156B107 359 8,000 SH   SOLE   0 0 8,000
SAILPOINT TECHNOLOGIES HLDGS COM 78781P105 354 7,000 SH   SOLE   0 0 7,000
SALESFORCE COM INC COM 79466L302 279 1,319 SH   SOLE   0 0 1,319
SCHLUMBERGER LTD COM 806857108 262 9,634 SH   SOLE   0 0 9,634
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 7,435 131,806 SH   SOLE   0 0 131,806
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 17,534 341,719 SH   SOLE   0 0 341,719
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,223 16,778 SH   SOLE   0 0 16,778
SCHWAB STRATEGIC TR US REIT ETF 808524847 201 4,891 SH   SOLE   0 0 4,891
SELECT SECTOR SPDR TR ENERGY 81369Y506 908 18,505 SH   SOLE   0 0 18,505
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,164 6,928 SH   SOLE   0 0 6,928
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 548 4,695 SH   SOLE   0 0 4,695
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 7,740 227,317 SH   SOLE   0 0 227,317
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 758 11,842 SH   SOLE   0 0 11,842
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 334 4,235 SH   SOLE   0 0 4,235
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 966 7,275 SH   SOLE   0 0 7,275
SHOPIFY INC CL A 82509L107 277 250 SH   SOLE   0 0 250
SOUTHWEST AIRLS CO COM 844741108 1,152 18,873 SH   SOLE   0 0 18,873
SPDR S&P 500 ETF TR TR UNIT 78462F103 508 1,283 SH   SOLE   0 0 1,283
SPDR SER TR BLOMBERG BRC INV 78468R200 1,443 47,095 SH   SOLE   0 0 47,095
SPDR SER TR PORTFOLIO SHORT 78464A474 14,960 477,809 SH   SOLE   0 0 477,809
STARBUCKS CORP COM 855244109 18,578 170,023 SH   SOLE   0 0 170,023
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 3,407 28,802 SH   SOLE   0 0 28,802
TESLA INC COM 88160R101 416 623 SH   SOLE   0 0 623
TRUIST FINL CORP COM 89832Q109 12,006 205,862 SH   SOLE   0 0 205,862
TURNING PT BRANDS INC COM 90041L105 209 4,004 SH   SOLE   0 0 4,004
UNION PAC CORP COM 907818108 13,141 59,622 SH   SOLE   0 0 59,622
UNITED PARCEL SERVICE INC CL B 911312106 12,546 73,807 SH   SOLE   0 0 73,807
UNITEDHEALTH GROUP INC COM 91324P102 23,444 63,011 SH   SOLE   0 0 63,011
US BANCORP DEL COM NEW 902973304 8,882 160,588 SH   SOLE   0 0 160,588
VALERO ENERGY CORP COM 91913Y100 2,611 36,469 SH   SOLE   0 0 36,469
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20,565 250,212 SH   SOLE   0 0 250,212
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 863 10,184 SH   SOLE   0 0 10,184
VANGUARD INDEX FDS GROWTH ETF 922908736 436 1,696 SH   SOLE   0 0 1,696
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 236 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS MID CAP ETF 922908629 2,036 9,198 SH   SOLE   0 0 9,198
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 8,624 93,883 SH   SOLE   0 0 93,883
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 672 1,845 SH   SOLE   0 0 1,845
VANGUARD INDEX FDS SM CP VAL ETF 922908611 200 1,210 SH   SOLE   0 0 1,210
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,519 30,450 SH   SOLE   0 0 30,450
VANGUARD INDEX FDS SML CP GRW ETF 922908595 359 1,307 SH   SOLE   0 0 1,307
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,309 11,172 SH   SOLE   0 0 11,172
VANGUARD INDEX FDS VALUE ETF 922908744 731 5,563 SH   SOLE   0 0 5,563
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,496 182,447 SH   SOLE   0 0 182,447
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 8,951 69,732 SH   SOLE   0 0 69,732
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,166 76,244 SH   SOLE   0 0 76,244
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 15,996 171,945 SH   SOLE   0 0 171,945
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 779 7,693 SH   SOLE   0 0 7,693
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,910 168,610 SH   SOLE   0 0 168,610
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,405 9,550 SH   SOLE   0 0 9,550
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 17,419 354,695 SH   SOLE   0 0 354,695
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 207 2,050 SH   SOLE   0 0 2,050
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 965 11,655 SH   SOLE   0 0 11,655
VANGUARD WORLD FD MEGA CAP INDEX 921910873 221 1,575 SH   SOLE   0 0 1,575
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 657 7,780 SH   SOLE   0 0 7,780
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 290 1,266 SH   SOLE   0 0 1,266
VANGUARD WORLD FDS INF TECH ETF 92204A702 567 1,581 SH   SOLE   0 0 1,581
VEEVA SYS INC CL A COM 922475108 261 1,000 SH   SOLE   0 0 1,000
VERIZON COMMUNICATIONS INC COM 92343V104 24,998 429,882 SH   SOLE   0 0 429,882
VISA INC COM CL A 92826C839 4,572 21,594 SH   SOLE   0 0 21,594
WALMART INC COM 931142103 6,659 49,022 SH   SOLE   0 0 49,022
WASTE MGMT INC DEL COM 94106L109 8,662 67,139 SH   SOLE   0 0 67,139
WELLS FARGO CO NEW COM 949746101 863 22,098 SH   SOLE   0 0 22,098
WISDOMTREE TR US QTLY DIV GRT 97717X669 429 7,500 SH   SOLE   0 0 7,500