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
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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
Berkshire Htwy Cla Equity 084990175 267,300 100 SH   SOLE   0 0 100
A S M Lithography Hldg Equity N07059210 203,153 552 SH   SOLE   0 0 552
Adobe Systems Inc Equity 00724F101 699,544 1,607 SH   SOLE   0 0 1,607
Adv Semicndctor Eng Equity 00215W100 74,034 16,307 SH   SOLE   0 0 16,307
Advance Auto Parts Inc Equity 00751Y106 205,413 1,442 SH   SOLE   0 0 1,442
AGNC Investment Corp Equity 00123Q104 221,739 17,189 SH   SOLE   0 0 17,189
Akamai Technologies Equity 00971T101 286,359 2,674 SH   SOLE   0 0 2,674
Alexion Pharma Inc Equity 015351109 224,256 1,998 SH   SOLE   0 0 1,998
Alibaba Group Hldg Equity 01609W102 629,197 2,917 SH   SOLE   0 0 2,917
Amazon Com Inc Equity 023135106 3,779,584 1,370 SH   SOLE   0 0 1,370
American Axle & Mfg Hldg Equity 024061103 21,231,079 2,793,563 SH   SOLE   0 0 2,793,563
American Express Co Equity 025816109 599,665 6,299 SH   SOLE   0 0 6,299
American Tel & Tel Co Equity 00206R102 210,341 6,958 SH   SOLE   0 0 6,958
Amerisourcebergen Corp Equity 03073E105 436,032 4,327 SH   SOLE   0 0 4,327
Amgen Equity 031162100 484,929 2,056 SH   SOLE   0 0 2,056
Amplify Transformational Data Shrg ETF Equity 032108607 750,711 37,200 SH   SOLE   0 0 37,200
Analog Devices Inc Equity 032654105 207,385 1,691 SH   SOLE   0 0 1,691
Apple Computer Equity 037833100 3,802,015 10,423 SH   SOLE   0 0 10,423
ARK Genomic Revolution ETF Equity 00214Q302 625,920 12,000 SH   SOLE   0 0 12,000
Banco Santander New Adrf Equity 05964H105 30,111 12,494 SH   SOLE   0 0 12,494
Bank of America Corp Equity 060505104 208,630 8,785 SH   SOLE   0 0 8,785
Berkshire Hathaway Cl B Equity 084670702 448,596 2,513 SH   SOLE   0 0 2,513
Biomarin Pharmaceutical Equity 09061G101 222,383 1,803 SH   SOLE   0 0 1,803
BLACKROCK INC CLASS A Equity 09247X101 225,254 414 SH   SOLE   0 0 414
Bluestem Group Inc Equity 09628D104 39,600 60,000 SH   SOLE   0 0 60,000
Boeing Co Equity 097023105 263,586 1,438 SH   SOLE   0 0 1,438
BOOKING HOLDINGS INC Equity 09857L108 318,468 200 SH   SOLE   0 0 200
Caterpillar Inc Equity 149123101 271,722 2,148 SH   SOLE   0 0 2,148
Chevron Texaco Equity 166764100 597,038 6,691 SH   SOLE   0 0 6,691
Cisco Systems Equity 17275R102 585,659 12,557 SH   SOLE   0 0 12,557
Citicorp Equity 22822V101 224,417 1,341 SH   SOLE   0 0 1,341
Comcast Corp New Cl A Equity 20030N101 962,300 24,687 SH   SOLE   0 0 24,687
Conocophillips Equity 20825C104 248,801 5,921 SH   SOLE   0 0 5,921
Costco Whsl Corp New Equity 22160K105 380,832 1,256 SH   SOLE   0 0 1,256
CVS Corp Equity 126650100 224,147 3,450 SH   SOLE   0 0 3,450
Discovery Commun Ser C Equity 25470F302 204,869 10,637 SH   SOLE   0 0 10,637
Duke Energy Corp Equity 26441C204 221,376 2,771 SH   SOLE   0 0 2,771
Ebay Inc Equity 278642103 489,569 9,334 SH   SOLE   0 0 9,334
Ecolab Inc Equity 278865100 270,970 1,362 SH   SOLE   0 0 1,362
Enel Spa Adr Equity 29265W207 88,597 10,338 SH   SOLE   0 0 10,338
Equinix Inc New Equity 29444U700 371,517 529 SH   SOLE   0 0 529
Exelon Corporation Equity 30161N101 317,139 8,739 SH   SOLE   0 0 8,739
Exxon Corp Equity 30231G102 412,587 9,226 SH   SOLE   0 0 9,226
Facebook Inc Class A Equity 30303M102 2,865,170 12,618 SH   SOLE   0 0 12,618
Fidelity Natl Info Svcs Equity 31620M106 314,576 2,346 SH   SOLE   0 0 2,346
General Dynamics Corp Equity 369550108 312,073 2,088 SH   SOLE   0 0 2,088
Gerdau SA Equity 373737105 39,114 13,214 SH   SOLE   0 0 13,214
Glaxo Holdings Equity 37733W105 573,141 14,051 SH   SOLE   0 0 14,051
Goldman Sachs Acss Invmt Grd Corp Bd ETF Equity 381430479 7,157,296 129,900 SH   SOLE   0 0 129,900
Google Inc Class A Equity 02079K305 974,201 687 SH   SOLE   0 0 687
Google Inc Class C Equity 02079K107 927,329 656 SH   SOLE   0 0 656
Grainger W W Inc Equity 384802104 230,594 734 SH   SOLE   0 0 734
GS Equity 38141G104 439,507 2,224 SH   SOLE   0 0 2,224
Hartford Finl Svcs Group Inc Equity 416515104 205,626 5,334 SH   SOLE   0 0 5,334
Home Depot Inc Equity 437076102 860,001 3,433 SH   SOLE   0 0 3,433
Honda Motor Co Equity 438128308 219,382 8,583 SH   SOLE   0 0 8,583
Honeywell International Equity 438516106 303,061 2,096 SH   SOLE   0 0 2,096
IHS Markit Ltd A Equity G47567105 287,655 3,810 SH   SOLE   0 0 3,810
Intel Corp Equity 458140100 297,848 4,979 SH   SOLE   0 0 4,979
Ishares BarCap Aggregate Bond Index Equity 464287226 13,944,461 117,964 SH   SOLE   0 0 117,964
Ishares Core Msci Eafe Equity 46432F842 307,007 5,371 SH   SOLE   0 0 5,371
iShares Core MSCI Europe ETF Equity 46434V738 1,326,828 31,030 SH   SOLE   0 0 31,030
iShares Core MSCI Pacific ETF Equity 46434V696 857,840 16,278 SH   SOLE   0 0 16,278
Ishares Core S&P 500 ETF Equity 464287200 19,695,724 63,599 SH   SOLE   0 0 63,599
Ishares Core S&P Small Cap ETF Equity 464287804 4,286,260 62,766 SH   SOLE   0 0 62,766
Ishares Edge Msci Min Equity 46429B697 1,053,144 17,370 SH   SOLE   0 0 17,370
Ishares Etf Equity 46434G103 966,530 20,306 SH   SOLE   0 0 20,306
iShares iBonds Dec 2020 Term Corporate Equity 46434VAQ3 400,645 15,817 SH   SOLE   0 0 15,817
iShares iBonds Dec 2021 Term Corp ETF Equity 46434VBK5 400,489 15,924 SH   SOLE   0 0 15,924
iShares iBonds Dec 2022 Term Corp ETF Equity 46434VBA7 400,634 15,601 SH   SOLE   0 0 15,601
iShares iBonds Dec 2023 Term Corp ETF Equity 46434VAX8 400,611 15,273 SH   SOLE   0 0 15,273
iShares MSCI ACWI ex US ETF Equity 464288240 826,965 19,125 SH   SOLE   0 0 19,125
Ishares Msci Acwi Index Equity 464288257 1,122,904 15,232 SH   SOLE   0 0 15,232
Ishares Russell 1000 Index Equity 464287622 13,788,114 80,313 SH   SOLE   0 0 80,313
Ishares S&P MidCap 400 Value Index Equity 464287705 342,454 2,576 SH   SOLE   0 0 2,576
iShares Short Maturity Bond ETF Equity 46431W507 400,431 8,007 SH   SOLE   0 0 8,007
Ishares Tr S&P Midcap Equity 464287507 802,743 4,515 SH   SOLE   0 0 4,515
Ishares TRUST Equity 464288414 31,132,673 269,781 SH   SOLE   0 0 269,781
iShares Ultra Short Term Bond ETF Equity 46434V878 399,930 7,910 SH   SOLE   0 0 7,910
J P Morgan Chase & Co Equity 46625H100 737,901 7,845 SH   SOLE   0 0 7,845
Johnson & Johnson Equity 478160104 1,432,598 10,187 SH   SOLE   0 0 10,187
Krogers Equity 501044101 314,839 9,301 SH   SOLE   0 0 9,301
Lowes Companies Inc Equity 548661107 568,991 4,211 SH   SOLE   0 0 4,211
Lumentum Holdings Inc Equity 55024U109 245,186 3,011 SH   SOLE   0 0 3,011
MA Equity 57636Q104 342,421 1,158 SH   SOLE   0 0 1,158
Markel Corp Equity 570535104 502,205 544 SH   SOLE   0 0 544
McDonalds Corp Equity 580135101 468,739 2,541 SH   SOLE   0 0 2,541
Mckesson Corporation Equity 58155Q103 355,628 2,318 SH   SOLE   0 0 2,318
Medtronic Inc Equity G5960L103 401,830 4,382 SH   SOLE   0 0 4,382
Merck & Co Inc Equity 58933Y105 510,610 6,603 SH   SOLE   0 0 6,603
Microsoft Corp Equity 594918104 3,430,772 16,858 SH   SOLE   0 0 16,858
Mitsubishi UFJ Financial Group Inc Equity 606822104 101,060 25,715 SH   SOLE   0 0 25,715
Mizuho Finl Group Adr Equity 60687Y109 76,020 30,777 SH   SOLE   0 0 30,777
Mohawk Industries Inc Equity 608190104 210,338 2,067 SH   SOLE   0 0 2,067
Monster Worldwide Inc Equity 61174X109 232,638 3,356 SH   SOLE   0 0 3,356
National Fuel Gas Co Equity 636180101 206,003 4,913 SH   SOLE   0 0 4,913
Natl Grid Transco Adr Equity 636274409 354,540 5,837 SH   SOLE   0 0 5,837
Nestle S A Reg B Adr Equity 641069406 356,390 3,227 SH   SOLE   0 0 3,227
Netflix Inc Equity 64110L106 245,722 540 SH   SOLE   0 0 540
New Relic Inc Equity 64829B100 378,950 5,500 SH   SOLE   0 0 5,500
Newmont Mining Corp Equity 651639106 212,201 3,437 SH   SOLE   0 0 3,437
Nextera Energy Inc Equity 65339F101 251,218 1,046 SH   SOLE   0 0 1,046
Nike Inc Class B Equity 654106103 628,599 6,411 SH   SOLE   0 0 6,411
Nokia Corp Equity 654902204 126,936 28,849 SH   SOLE   0 0 28,849
Novartis A G Spon Adr Equity 66987V109 215,381 2,466 SH   SOLE   0 0 2,466
Nvidia Corp Equity 67066G104 611,656 1,610 SH   SOLE   0 0 1,610
Ocular Therapeutix Inc Equity 67576A100 83,300 10,000 SH   SOLE   0 0 10,000
Okta Inc Equity 679295105 538,419 2,689 SH   SOLE   0 0 2,689
ON Semiconductor Corp Equity 682189105 221,073 11,154 SH   SOLE   0 0 11,154
P P G Industries Inc Equity 693506107 353,180 3,330 SH   SOLE   0 0 3,330
Pacer Trendpilot US Mid Cap ETF Equity 69374H204 1,423,760 52,000 SH   SOLE   0 0 52,000
Pacer US Cash Cows 100 ETF Equity 69374H881 536,000 20,000 SH   SOLE   0 0 20,000
Palo Alto Networks Inc Equity 697435105 229,670 1,000 SH   SOLE   0 0 1,000
Paypal Holdings Inco Equity 70450Y103 228,242 1,310 SH   SOLE   0 0 1,310
Peloton Interactive Inc Equity 70614W100 288,850 5,000 SH   SOLE   0 0 5,000
PepsiCo Inc Equity 713448108 891,697 6,742 SH   SOLE   0 0 6,742
PNC Financial Corp Equity 693475105 288,592 2,743 SH   SOLE   0 0 2,743
Procter & Gamble Co Equity 742718109 571,426 4,779 SH   SOLE   0 0 4,779
QualComm Inc Equity 747525103 398,497 4,369 SH   SOLE   0 0 4,369
Raytheon Technologies Ord Equity 75513E101 541,024 8,780 SH   SOLE   0 0 8,780
Reality Shares Nasdaq NexGen Economy ETF Equity 75605A702 990,500 35,000 SH   SOLE   0 0 35,000
Red Robin Gourmet Burgers Inc Equity 75689M101 127,500 12,500 SH   SOLE   0 0 12,500
Roche Hldg Ltd Spon Adrf Equity 771195104 263,968 6,085 SH   SOLE   0 0 6,085
Rydex Etf TRUST Equity 46137V357 508,800 5,000 SH   SOLE   0 0 5,000
Salesforce Com Equity 79466L302 892,253 4,763 SH   SOLE   0 0 4,763
Sanofi Aventis Adr Equity 80105N105 437,754 8,575 SH   SOLE   0 0 8,575
Schwab US Tips Etf Equity 808524870 1,561,961 26,024 SH   SOLE   0 0 26,024
Seagate Technology Equity G7945M107 293,365 6,060 SH   SOLE   0 0 6,060
Service Now Inc Equity 81762P102 837,665 2,068 SH   SOLE   0 0 2,068
Slack Technologies Inc Equity 83088V102 217,630 7,000 SH   SOLE   0 0 7,000
Splunk Inc Equity 848637104 328,253 1,652 SH   SOLE   0 0 1,652
Starbucks Corp Equity 855244109 387,231 5,262 SH   SOLE   0 0 5,262
Sumitomo Mitsu Finl Equity 86562M209 128,013 22,778 SH   SOLE   0 0 22,778
Synopsys Inc Equity 871607107 323,505 1,659 SH   SOLE   0 0 1,659
Sysco Corporation Equity 871829107 341,298 6,244 SH   SOLE   0 0 6,244
Taiwan Semiconductr Adrf Equity 874039100 376,272 6,628 SH   SOLE   0 0 6,628
Targa Resources Corp Equity 87612G101 207,725 10,350 SH   SOLE   0 0 10,350
Target Inc Equity 87612E106 381,138 3,178 SH   SOLE   0 0 3,178
Tencent Holdings Adr Equity 88032Q109 383,552 5,993 SH   SOLE   0 0 5,993
Tesla Motors Inc Equity 88160R101 287,230 266 SH   SOLE   0 0 266
Texas Instruments Inc Equity 882508104 312,093 2,458 SH   SOLE   0 0 2,458
The Charles Schwab Corp Equity 808513105 377,112 11,177 SH   SOLE   0 0 11,177
Thermo Fisher Scientific Equity 883556102 685,910 1,893 SH   SOLE   0 0 1,893
Total Fina SA Sponsored Amern Dep Rec Cl B Equity 89151E109 508,211 13,214 SH   SOLE   0 0 13,214
Toyota Motor CP Adr New Equity 892331307 203,270 1,618 SH   SOLE   0 0 1,618
Travelers Group Inc Equity 89417E109 472,966 4,147 SH   SOLE   0 0 4,147
Truist Finl Corp Com Equity 89832Q109 486,761 12,963 SH   SOLE   0 0 12,963
U S Bancorp Del Equity 902973304 389,703 10,584 SH   SOLE   0 0 10,584
Union Pacific Corp Equity 907818108 470,860 2,785 SH   SOLE   0 0 2,785
UNITED MICROELECTRONICS A Equity 910873405 77,469 29,344 SH   SOLE   0 0 29,344
United Parcel Service Class B Equity 911312106 913,233 8,214 SH   SOLE   0 0 8,214
Unitedhealth Group Inc Equity 91324P102 1,305,449 4,426 SH   SOLE   0 0 4,426
Vanguard 500 ETF Equity 922908363 522,362 1,843 SH   SOLE   0 0 1,843
Vanguard Corp Bond Etf Equity 92206C870 7,394,614 77,724 SH   SOLE   0 0 77,724
Vanguard Energy ETF Equity 92204A306 427,550 8,500 SH   SOLE   0 0 8,500
Vanguard Glbal Ex US Equity 922042676 317,895 6,813 SH   SOLE   0 0 6,813
Vanguard High Dividend Yield Index Equity 921946406 2,499,907 31,733 SH   SOLE   0 0 31,733
Vanguard Intl Div Apprec ETF Equity 921946810 536,640 8,000 SH   SOLE   0 0 8,000
Vanguard Mid Cap Index Equity 922908629 214,559 1,309 SH   SOLE   0 0 1,309
Vanguard MSCI EAFE ETF Equity 921943858 352,446 9,086 SH   SOLE   0 0 9,086
Vanguard Muni Bnd Tax Equity 922907746 2,410,963 44,532 SH   SOLE   0 0 44,532
Vanguard Reit Equity 922908553 1,028,508 13,097 SH   SOLE   0 0 13,097
Vanguard Small Cap Equity 922908751 598,473 4,107 SH   SOLE   0 0 4,107
Vanguard Total Stock Mkt Equity 922908769 946,381 6,046 SH   SOLE   0 0 6,046
Vedanta Ltd Equity 92242Y100 77,121 13,747 SH   SOLE   0 0 13,747
Verizon Communications Equity 92343V104 1,028,285 18,652 SH   SOLE   0 0 18,652
Visa Inc Equity 92826C839 1,464,229 7,580 SH   SOLE   0 0 7,580
WalMart Stores Inc Equity 931142103 657,473 5,489 SH   SOLE   0 0 5,489
Walt Disney Co Equity 254687106 441,469 3,959 SH   SOLE   0 0 3,959
Wells Fargo & Co New Equity 949746101 300,802 11,751 SH   SOLE   0 0 11,751
Wesco International Inc Equity 95082P105 211,292 6,018 SH   SOLE   0 0 6,018
WESTPAC BKG CORP SPNS ADR Equity 961214301 125,688 10,047 SH   SOLE   0 0 10,047
Williams Companies Equity 969457100 345,993 18,191 SH   SOLE   0 0 18,191
Wipro Ltd Equity 97651M109 51,838 15,661 SH   SOLE   0 0 15,661
Zoetis Inc Equity 98978V103 440,036 3,211 SH   SOLE   0 0 3,211
Zoom video communications A Equity 98980L101 269,514 1,063 SH   SOLE   0 0 1,063