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 7,895 39,745 SH   SOLE   0 0 39,745
AIR PRODS & CHEMS INC COM 009158106 21,299 74,038 SH   SOLE   0 0 74,038
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 773 3,410 SH   SOLE   0 0 3,410
ALPHABET INC CAP STK CL A 02079K305 6,019 2,465 SH   SOLE   0 0 2,465
ALPHABET INC CAP STK CL C 02079K107 22,790 9,093 SH   SOLE   0 0 9,093
ALTRIA GROUP INC COM 02209S103 8,078 169,418 SH   SOLE   0 0 169,418
AMAZON COM INC COM 023135106 26,579 7,726 SH   SOLE   0 0 7,726
AMERICAN EXPRESS CO COM 025816109 227 1,375 SH   SOLE   0 0 1,375
AMGEN INC COM 031162100 765 3,139 SH   SOLE   0 0 3,139
APPLE INC COM 037833100 24,030 175,451 SH   SOLE   0 0 175,451
AT&T INC COM 00206R102 316 10,984 SH   SOLE   0 0 10,984
AUTOZONE INC COM 053332102 6,002 4,022 SH   SOLE   0 0 4,022
BANK NEW YORK MELLON CORP COM 064058100 213 4,155 SH   SOLE   0 0 4,155
BCE INC COM NEW 05534B760 8,801 178,455 SH   SOLE   0 0 178,455
BERKSHIRE HATHAWAY INC DEL CL A 084670108 419 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,796 6,463 SH   SOLE   0 0 6,463
BK OF AMERICA CORP COM 060505104 6,934 168,175 SH   SOLE   0 0 168,175
BLACKSTONE GROUP INC COM 09260D107 1,417 14,587 SH   SOLE   0 0 14,587
BOEING CO COM 097023105 226 944 SH   SOLE   0 0 944
BOK FINL CORP COM NEW 05561Q201 937 10,815 SH   SOLE   0 0 10,815
BRISTOL-MYERS SQUIBB CO COM 110122108 1,777 26,589 SH   SOLE   0 0 26,589
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 1,039 26,439 SH   SOLE   0 0 26,439
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 230 4,518 SH   SOLE   0 0 4,518
CERNER CORP COM 156782104 15,093 193,105 SH   SOLE   0 0 193,105
CHEVRON CORP NEW COM 166764100 863 8,241 SH   SOLE   0 0 8,241
CHEWY INC CL A 16679L109 438 5,500 SH   SOLE   0 0 5,500
CISCO SYS INC COM 17275R102 12,867 242,773 SH   SOLE   0 0 242,773
COCA COLA CO COM 191216100 13,340 246,541 SH   SOLE   0 0 246,541
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 17,869 257,993 SH   SOLE   0 0 257,993
COMCAST CORP NEW CL A 20030N101 1,240 21,741 SH   SOLE   0 0 21,741
COSTCO WHSL CORP NEW COM 22160K105 12,922 32,659 SH   SOLE   0 0 32,659
CROWDSTRIKE HLDGS INC CL A 22788C105 628 2,500 SH   SOLE   0 0 2,500
CUMMINS INC COM 231021106 2,244 9,205 SH   SOLE   0 0 9,205
DEERE & CO COM 244199105 279 791 SH   SOLE   0 0 791
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207 286 3,425 SH   SOLE   0 0 3,425
DISCOVER FINL SVCS COM 254709108 13,590 114,889 SH   SOLE   0 0 114,889
DISNEY WALT CO COM 254687106 327 1,861 SH   SOLE   0 0 1,861
ELECTRONIC ARTS INC COM 285512109 5,454 37,922 SH   SOLE   0 0 37,922
ENTERPRISE PRODS PARTNERS L COM 293792107 883 36,573 SH   SOLE   0 0 36,573
EXXON MOBIL CORP COM 30231G102 10,047 159,268 SH   SOLE   0 0 159,268
FACEBOOK INC CL A 30303M102 23,373 67,221 SH   SOLE   0 0 67,221
FARFETCH LTD ORD SH CL A 30744W107 584 11,600 SH   SOLE   0 0 11,600
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 296 3,650 SH   SOLE   0 0 3,650
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 705 47,778 SH   SOLE   0 0 47,778
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 4,814 91,949 SH   SOLE   0 0 91,949
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,587 52,152 SH   SOLE   0 0 52,152
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 249 6,079 SH   SOLE   0 0 6,079
FORTINET INC COM 34959E109 1,086 4,558 SH   SOLE   0 0 4,558
GENERAL DYNAMICS CORP COM 369550108 14,950 79,409 SH   SOLE   0 0 79,409
HOME DEPOT INC COM 437076102 3,441 10,789 SH   SOLE   0 0 10,789
HONEYWELL INTL INC COM 438516106 6,995 31,890 SH   SOLE   0 0 31,890
HOULIHAN LOKEY INC CL A 441593100 388 4,742 SH   SOLE   0 0 4,742
ICON PLC SHS G4705A100 679 3,286 SH   SOLE   0 0 3,286
INTEL CORP COM 458140100 1,146 20,405 SH   SOLE   0 0 20,405
INTERNATIONAL BUSINESS MACHS COM 459200101 729 4,976 SH   SOLE   0 0 4,976
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 5,084 100,709 SH   SOLE   0 0 100,709
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 302 4,965 SH   SOLE   0 0 4,965
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 297 13,425 SH   SOLE   0 0 13,425
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 233 1,547 SH   SOLE   0 0 1,547
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 304 6,265 SH   SOLE   0 0 6,265
INVESCO QQQ TR UNIT SER 1 46090E103 301 849 SH   SOLE   0 0 849
ISHARES INC CORE MSCI EMKT 46434G103 14,660 218,846 SH   SOLE   0 0 218,846
ISHARES INC MSCI EMERG MRKT 464286533 225 3,502 SH   SOLE   0 0 3,502
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,489 51,633 SH   SOLE   0 0 51,633
ISHARES TR 0-5YR HI YL CP 46434V407 10,194 221,327 SH   SOLE   0 0 221,327
ISHARES TR CORE MSCI EAFE 46432F842 23,101 308,583 SH   SOLE   0 0 308,583
ISHARES TR CORE S&P MCP ETF 464287507 19,923 74,139 SH   SOLE   0 0 74,139
ISHARES TR CORE S&P SCP ETF 464287804 16,524 146,259 SH   SOLE   0 0 146,259
ISHARES TR CORE S&P TTL STK 464287150 396 4,007 SH   SOLE   0 0 4,007
ISHARES TR CORE S&P500 ETF 464287200 4,748 11,045 SH   SOLE   0 0 11,045
ISHARES TR CORE US AGGBD ET 464287226 20,144 174,663 SH   SOLE   0 0 174,663
ISHARES TR EAFE SML CP ETF 464288273 582 7,844 SH   SOLE   0 0 7,844
ISHARES TR FLTG RATE NT ETF 46429B655 1,879 36,979 SH   SOLE   0 0 36,979
ISHARES TR ISHS 1-5YR INVS 464288646 15,532 283,380 SH   SOLE   0 0 283,380
ISHARES TR ISHS 5-10YR INVT 464288638 8,900 147,058 SH   SOLE   0 0 147,058
ISHARES TR MBS ETF 464288588 19,909 183,951 SH   SOLE   0 0 183,951
ISHARES TR MSCI ACWI EX US 464288240 285 4,963 SH   SOLE   0 0 4,963
ISHARES TR MSCI EAFE ETF 464287465 343 4,342 SH   SOLE   0 0 4,342
ISHARES TR MSCI EAFE MIN VL 46429B689 460 6,093 SH   SOLE   0 0 6,093
ISHARES TR NATIONAL MUN ETF 464288414 3,855 32,895 SH   SOLE   0 0 32,895
ISHARES TR RUS 1000 GRW ETF 464287614 1,240 4,568 SH   SOLE   0 0 4,568
ISHARES TR RUS 1000 VAL ETF 464287598 666 4,196 SH   SOLE   0 0 4,196
ISHARES TR RUS 2000 GRW ETF 464287648 309 991 SH   SOLE   0 0 991
ISHARES TR RUS 2000 VAL ETF 464287630 323 1,948 SH   SOLE   0 0 1,948
ISHARES TR RUS MID CAP ETF 464287499 417 5,263 SH   SOLE   0 0 5,263
ISHARES TR RUSSELL 2000 ETF 464287655 307 1,338 SH   SOLE   0 0 1,338
ISHARES TR S&P 500 GRWT ETF 464287309 508 6,987 SH   SOLE   0 0 6,987
ISHARES TR S&P 500 VAL ETF 464287408 454 3,074 SH   SOLE   0 0 3,074
ISHARES TR SHRT NAT MUN ETF 464288158 2,101 19,488 SH   SOLE   0 0 19,488
ISHARES TR SP SMCP600VL ETF 464287879 267 2,531 SH   SOLE   0 0 2,531
ISHARES TR U.S. TECH ETF 464287721 217 2,180 SH   SOLE   0 0 2,180
ISHARES TR US INDUSTRIALS 464287754 200 1,800 SH   SOLE   0 0 1,800
J P MORGAN EXCHANGE-TRADED F DIV RTN INT EQ 46641Q209 2,721 43,568 SH   SOLE   0 0 43,568
J P MORGAN EXCHANGE-TRADED F HIGH YLD RESRCH 46641Q878 496 9,480 SH   SOLE   0 0 9,480
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 14,227 280,389 SH   SOLE   0 0 280,389
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 4,623 90,557 SH   SOLE   0 0 90,557
JD.COM INC SPON ADR CL A 47215P106 359 4,500 SH   SOLE   0 0 4,500
JOHNSON & JOHNSON COM 478160104 4,427 26,870 SH   SOLE   0 0 26,870
JPMORGAN CHASE & CO COM 46625H100 31,071 199,763 SH   SOLE   0 0 199,763
KIMBERLY-CLARK CORP COM 494368103 3,743 27,979 SH   SOLE   0 0 27,979
LILLY ELI & CO COM 532457108 1,704 7,425 SH   SOLE   0 0 7,425
LOCKHEED MARTIN CORP COM 539830109 2,711 7,165 SH   SOLE   0 0 7,165
LOWES COS INC COM 548661107 1,679 8,657 SH   SOLE   0 0 8,657
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 3,072 29,862 SH   SOLE   0 0 29,862
MASTERCARD INCORPORATED CL A 57636Q104 14,627 40,065 SH   SOLE   0 0 40,065
MCKESSON CORP COM 58155Q103 2,998 15,679 SH   SOLE   0 0 15,679
MEDTRONIC PLC SHS G5960L103 223 1,799 SH   SOLE   0 0 1,799
MERCK & CO INC COM 58933Y105 14,910 191,725 SH   SOLE   0 0 191,725
MICROSOFT CORP COM 594918104 32,202 118,869 SH   SOLE   0 0 118,869
NETFLIX INC COM 64110L106 255 483 SH   SOLE   0 0 483
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 1,529 29,430 SH   SOLE   0 0 29,430
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 388 5,086 SH   SOLE   0 0 5,086
NIKE INC CL B 654106103 9,025 58,420 SH   SOLE   0 0 58,420
NVIDIA CORPORATION COM 67066G104 571 713 SH   SOLE   0 0 713
OKTA INC CL A 679295105 324 1,326 SH   SOLE   0 0 1,326
ORACLE CORP COM 68389X105 1,113 14,297 SH   SOLE   0 0 14,297
ORGANON & CO COMMON STOCK 68622V106 548 18,126 SH   SOLE   0 0 18,126
PAYPAL HLDGS INC COM 70450Y103 587 2,014 SH   SOLE   0 0 2,014
PEPSICO INC COM 713448108 3,187 21,507 SH   SOLE   0 0 21,507
PFIZER INC COM 717081103 338 8,633 SH   SOLE   0 0 8,633
PHILIP MORRIS INTL INC COM 718172109 15,982 161,257 SH   SOLE   0 0 161,257
PINNACLE WEST CAP CORP COM 723484101 5,382 65,655 SH   SOLE   0 0 65,655
PPL CORP COM 69351T106 9,973 356,550 SH   SOLE   0 0 356,550
PROCTER AND GAMBLE CO COM 742718109 6,315 46,799 SH   SOLE   0 0 46,799
QUALCOMM INC COM 747525103 212 1,480 SH   SOLE   0 0 1,480
QUEST DIAGNOSTICS INC COM 74834L100 15,836 119,997 SH   SOLE   0 0 119,997
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,498 64,445 SH   SOLE   0 0 64,445
REVOLVE GROUP INC CL A 76156B107 517 7,500 SH   SOLE   0 0 7,500
SAILPOINT TECHNOLOGIES HLDGS COM 78781P105 306 6,000 SH   SOLE   0 0 6,000
SALESFORCE COM INC COM 79466L302 338 1,382 SH   SOLE   0 0 1,382
SCHLUMBERGER LTD COM STK 806857108 210 6,561 SH   SOLE   0 0 6,561
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 9,135 160,628 SH   SOLE   0 0 160,628
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 16,582 323,735 SH   SOLE   0 0 323,735
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,262 16,691 SH   SOLE   0 0 16,691
SCHWAB STRATEGIC TR US REIT ETF 808524847 208 4,541 SH   SOLE   0 0 4,541
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 210 2,593 SH   SOLE   0 0 2,593
SELECT SECTOR SPDR TR ENERGY 81369Y506 964 17,897 SH   SOLE   0 0 17,897
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 8,290 225,956 SH   SOLE   0 0 225,956
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,016 5,689 SH   SOLE   0 0 5,689
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 597 4,738 SH   SOLE   0 0 4,738
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 764 12,079 SH   SOLE   0 0 12,079
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 320 3,885 SH   SOLE   0 0 3,885
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,001 6,782 SH   SOLE   0 0 6,782
SHOPIFY INC CL A 82509L107 365 250 SH   SOLE   0 0 250
SPDR S&P 500 ETF TR TR UNIT 78462F103 579 1,353 SH   SOLE   0 0 1,353
SPDR SER TR BLOMBERG BRC INV 78468R200 1,493 48,719 SH   SOLE   0 0 48,719
SPDR SER TR PORTFOLIO SHORT 78464A474 14,342 458,202 SH   SOLE   0 0 458,202
STARBUCKS CORP COM 855244109 19,311 172,713 SH   SOLE   0 0 172,713
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 3,240 26,964 SH   SOLE   0 0 26,964
TESLA INC COM 88160R101 421 619 SH   SOLE   0 0 619
TRUIST FINL CORP COM 89832Q109 11,171 201,287 SH   SOLE   0 0 201,287
UNION PAC CORP COM 907818108 15,298 69,560 SH   SOLE   0 0 69,560
UNITED PARCEL SERVICE INC CL B 911312106 14,478 69,618 SH   SOLE   0 0 69,618
UNITEDHEALTH GROUP INC COM 91324P102 25,396 63,420 SH   SOLE   0 0 63,420
US BANCORP DEL COM NEW 902973304 9,292 163,107 SH   SOLE   0 0 163,107
VALERO ENERGY CORP COM 91913Y100 2,511 32,156 SH   SOLE   0 0 32,156
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 20,391 248,180 SH   SOLE   0 0 248,180
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,521 17,712 SH   SOLE   0 0 17,712
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 730 14,560 SH   SOLE   0 0 14,560
VANGUARD INDEX FDS GROWTH ETF 922908736 478 1,666 SH   SOLE   0 0 1,666
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 260 1,100 SH   SOLE   0 0 1,100
VANGUARD INDEX FDS MID CAP ETF 922908629 3,030 12,764 SH   SOLE   0 0 12,764
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 9,467 93,009 SH   SOLE   0 0 93,009
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 718 1,825 SH   SOLE   0 0 1,825
VANGUARD INDEX FDS SM CP VAL ETF 922908611 308 1,775 SH   SOLE   0 0 1,775
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,919 30,714 SH   SOLE   0 0 30,714
VANGUARD INDEX FDS SML CP GRW ETF 922908595 315 1,087 SH   SOLE   0 0 1,087
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,313 10,382 SH   SOLE   0 0 10,382
VANGUARD INDEX FDS VALUE ETF 922908744 800 5,817 SH   SOLE   0 0 5,817
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 10,780 198,488 SH   SOLE   0 0 198,488
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 10,358 75,913 SH   SOLE   0 0 75,913
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,383 79,252 SH   SOLE   0 0 79,252
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 16,026 168,568 SH   SOLE   0 0 168,568
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 960 8,976 SH   SOLE   0 0 8,976
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 13,644 164,963 SH   SOLE   0 0 164,963
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,293 8,354 SH   SOLE   0 0 8,354
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,625 419,744 SH   SOLE   0 0 419,744
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 220 2,100 SH   SOLE   0 0 2,100
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,023 11,692 SH   SOLE   0 0 11,692
VANGUARD WORLD FD MEGA CAP INDEX 921910873 240 1,575 SH   SOLE   0 0 1,575
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 618 6,832 SH   SOLE   0 0 6,832
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 313 1,266 SH   SOLE   0 0 1,266
VANGUARD WORLD FDS INF TECH ETF 92204A702 569 1,426 SH   SOLE   0 0 1,426
VEEVA SYS INC CL A COM 922475108 311 1,000 SH   SOLE   0 0 1,000
VERIZON COMMUNICATIONS INC COM 92343V104 25,363 452,674 SH   SOLE   0 0 452,674
VISA INC COM CL A 92826C839 6,650 28,442 SH   SOLE   0 0 28,442
WALMART INC COM 931142103 6,822 48,375 SH   SOLE   0 0 48,375
WASTE MGMT INC DEL COM 94106L109 9,594 68,475 SH   SOLE   0 0 68,475
WELLS FARGO CO NEW COM 949746101 965 21,298 SH   SOLE   0 0 21,298
WISDOMTREE TR US QTLY DIV GRT 97717X669 437 7,325 SH   SOLE   0 0 7,325