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
PFIZER INC COM 717081103 545 16,675 SH   SOLE   0 0 16,675
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 54 11,539 SH   SOLE   0 0 11,539
AMERICAN TOWER CORP NEW COM 03027X100 450 1,741 SH   SOLE   0 0 1,741
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 126,106 5,178,896 SH   SOLE   0 0 5,178,896
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,473 43,883 SH   SOLE   0 0 43,883
BECTON DICKINSON & CO COM 075887109 387 1,617 SH   SOLE   0 0 1,617
ISHARES TR SHRT NAT MUN ETF 464288158 8,242 76,413 SH   SOLE   0 0 76,413
DISNEY WALT CO COM DISNEY 254687106 370 3,315 SH   SOLE   0 0 3,315
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,175 29,072 SH   SOLE   0 0 29,072
SPDR S&P 500 ETF TR TR UNIT 78462F103 683 2,216 SH   SOLE   0 0 2,216
MASTERCARD INCORPORATED CL A 57636Q104 249 842 SH   SOLE   0 0 842
ADOBE INC COM 00724F101 417 959 SH   SOLE   0 0 959
ABBOTT LABS COM 002824100 1,090 11,923 SH   SOLE   0 0 11,923
GENUINE PARTS CO COM 372460105 304 3,492 SH   SOLE   0 0 3,492
AMERICAN EXPRESS CO COM 025816109 345 3,625 SH   SOLE   0 0 3,625
ISHARES TR SH TR CRPORT ETF 464288646 23,927 437,336 SH   SOLE   0 0 437,336
COSTCO WHSL CORP NEW COM 22160K105 436 1,438 SH   SOLE   0 0 1,438
ISHARES TR TIPS BD ETF 464287176 531 4,317 SH   SOLE   0 0 4,317
PEPSICO INC COM 713448108 1,414 10,690 SH   SOLE   0 0 10,690
ISHARES TR SELECT DIVID ETF 464287168 602 7,459 SH   SOLE   0 0 7,459
ISHARES TR IBONDS DEC22 ETF 46434VBA7 767 29,868 SH   SOLE   0 0 29,868
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 209,525 4,163,022 SH   SOLE   0 0 4,163,022
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 275 1,076 SH   SOLE   0 0 1,076
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,377 38,894 SH   SOLE   0 0 38,894
ISHARES TR CORE MSCI PAC 46434V696 9,174 174,075 SH   SOLE   0 0 174,075
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 757 3,526 SH   SOLE   0 0 3,526
VEREIT INC COM 92339V100 166 25,827 SH   SOLE   0 0 25,827
QUALCOMM INC COM 747525103 2,402 26,338 SH   SOLE   0 0 26,338
NOVO-NORDISK A S ADR 670100205 915 13,979 SH   SOLE   0 0 13,979
LOWES COS INC COM 548661107 208 1,537 SH   SOLE   0 0 1,537
NOVARTIS AG SPONSORED ADR 66987V109 493 5,643 SH   SOLE   0 0 5,643
TARGET CORP COM 87612E106 381 3,179 SH   SOLE   0 0 3,179
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 69,691 2,428,244 SH   SOLE   0 0 2,428,244
AMAZON COM INC COM 023135106 1,857 673 SH   SOLE   0 0 673
APPLE INC COM 037833100 3,921 10,747 SH   SOLE   0 0 10,747
AT&T INC COM 00206R102 882 29,176 SH   SOLE   0 0 29,176
PAYCHEX INC COM 704326107 357 4,718 SH   SOLE   0 0 4,718
UNION PAC CORP COM 907818108 318 1,880 SH   SOLE   0 0 1,880
ISHARES TR INTL SEL DIV ETF 464288448 529 21,040 SH   SOLE   0 0 21,040
MERCK & CO. INC COM 58933Y105 885 11,441 SH   SOLE   0 0 11,441
ALCON AG ORD SHS H01301128 218 3,805 SH   SOLE   0 0 3,805
TEXAS INSTRS INC COM 882508104 943 7,429 SH   SOLE   0 0 7,429
PRICE T ROWE GROUP INC COM 74144T108 7,840 63,480 SH   SOLE   0 0 63,480
CUMMINS INC COM 231021106 380 2,195 SH   SOLE   0 0 2,195
BOEING CO COM 097023105 305 1,663 SH   SOLE   0 0 1,663
ORACLE CORP COM 68389X105 7,742 140,068 SH   SOLE   0 0 140,068
ISHARES TR IBONDS DEC23 ETF 46434VAX8 651 24,832 SH   SOLE   0 0 24,832
PROCTER AND GAMBLE CO COM 742718109 1,409 11,782 SH   SOLE   0 0 11,782
ARCHER DANIELS MIDLAND CO COM 039483102 6,068 152,085 SH   SOLE   0 0 152,085
VANGUARD INDEX FDS GROWTH ETF 922908736 90,488 447,760 SH   SOLE   0 0 447,760
PHILIP MORRIS INTL INC COM 718172109 242 3,460 SH   SOLE   0 0 3,460
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 2,587 43,642 SH   SOLE   0 0 43,642
INTEL CORP COM 458140100 560 9,359 SH   SOLE   0 0 9,359
HORMEL FOODS CORP COM 440452100 7,151 148,147 SH   SOLE   0 0 148,147
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 647 25,547 SH   SOLE   0 0 25,547
DUKE ENERGY CORP NEW COM NEW 26441C204 387 4,838 SH   SOLE   0 0 4,838
SPDR SER TR PORTFLI INTRMDIT 78464A672 1,048 31,562 SH   SOLE   0 0 31,562
TRACTOR SUPPLY CO COM 892356106 210 1,596 SH   SOLE   0 0 1,596
NIKE INC CL B 654106103 936 9,541 SH   SOLE   0 0 9,541
ISHARES TR JPMORGAN USD EMG 464288281 53,045 485,672 SH   SOLE   0 0 485,672
WALMART INC COM 931142103 1,256 10,488 SH   SOLE   0 0 10,488
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 407 7,165 SH   SOLE   0 0 7,165
ISHARES TR SP SMCP600VL ETF 464287879 537 4,459 SH   SOLE   0 0 4,459
ISHARES TR US TREAS BD ETF 46429B267 3,492 124,750 SH   SOLE   0 0 124,750
AMERICAN INTL GROUP INC COM NEW 026874784 255 8,192 SH   SOLE   0 0 8,192
JPMORGAN CHASE & CO COM 46625H100 606 6,444 SH   SOLE   0 0 6,444
SPDR SER TR S&P 600 SMCP GRW 78464A201 2,343 41,256 SH   SOLE   0 0 41,256
COMCAST CORP NEW CL A 20030N101 493 12,660 SH   SOLE   0 0 12,660
SPDR SER TR S&P 600 SMCP VAL 78464A300 5,039 102,589 SH   SOLE   0 0 102,589
ISHARES TR CORE S&P SCP ETF 464287804 384 5,621 SH   SOLE   0 0 5,621
EQUINIX INC COM 29444U700 298 425 SH   SOLE   0 0 425
EXXON MOBIL CORP COM 30231G102 463 10,358 SH   SOLE   0 0 10,358
CISCO SYS INC COM 17275R102 1,069 22,922 SH   SOLE   0 0 22,922
ISHARES TR 1 3 YR TREAS BD 464287457 284 3,283 SH   SOLE   0 0 3,283
ISHARES INC CORE MSCI EMKT 46434G103 385 8,093 SH   SOLE   0 0 8,093
BROADCOM INC COM 11135F101 274 869 SH   SOLE   0 0 869
ABBVIE INC COM 00287Y109 1,725 17,565 SH   SOLE   0 0 17,565
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,745 9,775 SH   SOLE   0 0 9,775
AMBEV SA SPONSORED ADR 02319V103 36 13,719 SH   SOLE   0 0 13,719
ISHARES TR PFD AND INCM SEC 464288687 978 28,223 SH   SOLE   0 0 28,223
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 661 13,884 SH   SOLE   0 0 13,884
ENTERGY CORP NEW COM 29364G103 337 3,591 SH   SOLE   0 0 3,591
CHEVRON CORP NEW COM 166764100 2,084 23,350 SH   SOLE   0 0 23,350
ISHARES TR BARCLAYS 7 10 YR 464287440 55,424 454,782 SH   SOLE   0 0 454,782
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 486 2,254 SH   SOLE   0 0 2,254
ISHARES TR FLTG RATE NT ETF 46429B655 1,827 36,105 SH   SOLE   0 0 36,105
EATON CORP PLC SHS G29183103 283 3,233 SH   SOLE   0 0 3,233
VANGUARD INDEX FDS VALUE ETF 922908744 85,765 861,188 SH   SOLE   0 0 861,188
ISHARES TR ESG MSCI USA ETF 46435G425 312 4,453 SH   SOLE   0 0 4,453
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 210,105 2,069,180 SH   SOLE   0 0 2,069,180
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,554 19,788 SH   SOLE   0 0 19,788
SAP SE SPON ADR 803054204 398 2,840 SH   SOLE   0 0 2,840
VISA INC COM CL A 92826C839 1,002 5,185 SH   SOLE   0 0 5,185
PPL CORP COM 69351T106 404 15,625 SH   SOLE   0 0 15,625
ISHARES TR IBOXX INV CP ETF 464287242 3,443 25,600 SH   SOLE   0 0 25,600
VANGUARD INDEX FDS SML CP GRW ETF 922908595 90,461 453,210 SH   SOLE   0 0 453,210
POLARIS INC COM 731068102 224 2,423 SH   SOLE   0 0 2,423
KIMBERLY CLARK CORP COM 494368103 460 3,254 SH   SOLE   0 0 3,254
MONDELEZ INTL INC CL A 609207105 365 7,148 SH   SOLE   0 0 7,148
ISHARES TR 3 7 YR TREAS BD 464288661 86,751 648,997 SH   SOLE   0 0 648,997
ISHARES TR RUS 1000 VAL ETF 464287598 31,042 275,634 SH   SOLE   0 0 275,634
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 540 6,832 SH   SOLE   0 0 6,832
PROGRESSIVE CORP OHIO COM 743315103 936 11,679 SH   SOLE   0 0 11,679
AUTOMATIC DATA PROCESSING IN COM 053015103 6,234 41,868 SH   SOLE   0 0 41,868
EQUINOR ASA SPONSORED ADR 29446M102 193 13,352 SH   SOLE   0 0 13,352
WALGREENS BOOTS ALLIANCE INC COM 931427108 5,145 121,373 SH   SOLE   0 0 121,373
FACEBOOK INC CL A 30303M102 860 3,786 SH   SOLE   0 0 3,786
TJX COS INC NEW COM 872540109 753 14,891 SH   SOLE   0 0 14,891
DBX ETF TR XTRACK USD HIGH 233051432 785 16,791 SH   SOLE   0 0 16,791
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 146,758 2,699,251 SH   SOLE   0 0 2,699,251
ILLINOIS TOOL WKS INC COM 452308109 7,094 40,571 SH   SOLE   0 0 40,571
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 723 8,189 SH   SOLE   0 0 8,189
ISHARES TR IBONDS DEC25 ETF 46434VBD1 270 9,991 SH   SOLE   0 0 9,991
SALESFORCE COM INC COM 79466L302 326 1,739 SH   SOLE   0 0 1,739
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,216 7,771 SH   SOLE   0 0 7,771
SMITH A O CORP COM 831865209 6,844 145,246 SH   SOLE   0 0 145,246
ISHARES TR IBOXX HI YD ETF 464288513 1,543 18,902 SH   SOLE   0 0 18,902
CITIGROUP INC COM NEW 172967424 437 8,551 SH   SOLE   0 0 8,551
ISHARES GOLD TRUST ISHARES 464285105 663 39,016 SH   SOLE   0 0 39,016
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,069 4 SH   SOLE   0 0 4
ISHARES TR CORE US AGGBD ET 464287226 2,379 20,127 SH   SOLE   0 0 20,127
HOME DEPOT INC COM 437076102 3,632 14,500 SH   SOLE   0 0 14,500
CHUBB LIMITED COM H1467J104 5,758 45,474 SH   SOLE   0 0 45,474
METLIFE INC COM 59156R108 206 5,642 SH   SOLE   0 0 5,642
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 5,253 54,366 SH   SOLE   0 0 54,366
FRANKLIN RESOURCES INC COM 354613101 5,618 267,903 SH   SOLE   0 0 267,903
LOCKHEED MARTIN CORP COM 539830109 211 579 SH   SOLE   0 0 579
NETFLIX INC COM 64110L106 392 862 SH   SOLE   0 0 862
AMGEN INC COM 031162100 761 3,225 SH   SOLE   0 0 3,225
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 37,959 459,214 SH   SOLE   0 0 459,214
COCA COLA CO COM 191216100 1,531 34,261 SH   SOLE   0 0 34,261
INVESCO QQQ TR UNIT SER 1 49090E103 4,276 17,270 SH   SOLE   0 0 17,270
SOUTHERN CO COM 842587107 677 13,053 SH   SOLE   0 0 13,053
UNITEDHEALTH GROUP INC COM 91324P102 1,007 3,413 SH   SOLE   0 0 3,413
INTERNATIONAL BUSINESS MACHS COM 459200101 749 6,200 SH   SOLE   0 0 6,200
ISHARES TR S&P 500 GRWT ETF 464287309 1,462 7,044 SH   SOLE   0 0 7,044
3M CO COM 88579Y101 6,933 44,443 SH   SOLE   0 0 44,443
VERIZON COMMUNICATIONS INC COM 92343V104 695 12,611 SH   SOLE   0 0 12,611
ISHARES TR S&P MC 400GR ETF 464287606 220 984 SH   SOLE   0 0 984
ISHARES TR IBONDS DEC21 ETF 46434VBK5 817 32,497 SH   SOLE   0 0 32,497
CANADIAN NATL RY CO COM 136375102 223 2,523 SH   SOLE   0 0 2,523
AMERICAN ELEC PWR CO INC COM 025537101 497 6,240 SH   SOLE   0 0 6,240
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 152,342 2,393,423 SH   SOLE   0 0 2,393,423
ISHARES TR CORE MSCI EAFE 46432F842 1,216 21,268 SH   SOLE   0 0 21,268
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 1,385 112,530 SH   SOLE   0 0 112,530
ISHARES TR MSCI EMG MKT ETF 464287234 999 24,984 SH   SOLE   0 0 24,984
VARIAN MED SYS INC COM 92220P105 410 3,346 SH   SOLE   0 0 3,346
MICROSOFT CORP COM 594918104 2,370 11,645 SH   SOLE   0 0 11,645
ISHARES TR RUSSELL 2000 ETF 464287655 3,102 21,662 SH   SOLE   0 0 21,662
LINDE PLC SHS G5494J103 235 1,109 SH   SOLE   0 0 1,109
ISHARES TR U.S. UTILITS ETF 464287697 217 1,545 SH   SOLE   0 0 1,545
ISHARES TR RUS 1000 ETF 464287622 460 2,677 SH   SOLE   0 0 2,677
ISHARES TR RUS MID CAP ETF 464287499 3,862 72,059 SH   SOLE   0 0 72,059
REGIONS FINANCIAL CORP NEW COM 7591EP100 263 23,626 SH   SOLE   0 0 23,626
RAYTHEON TECHNOLOGIES CORP COM 75513E101 497 8,070 SH   SOLE   0 0 8,070
DOMINION ENERGY INC COM 25746U109 510 6,286 SH   SOLE   0 0 6,286
ISHARES TR MSCI ACWI ETF 464288257 1,732 23,497 SH   SOLE   0 0 23,497
STARBUCKS CORP COM 855244109 248 3,370 SH   SOLE   0 0 3,370
10X GENOMICS INC CL A COM 88025U109 2,518 28,192 SH   SOLE   0 0 28,192
ISHARES TR S&P 500 VAL ETF 464287408 924 8,536 SH   SOLE   0 0 8,536
ISHARES TR RUS 1000 GRW ETF 464287614 53,532 278,883 SH   SOLE   0 0 278,883
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 867 11,151 SH   SOLE   0 0 11,151
MONSTER BEVERAGE CORP NEW COM 61174X109 246 3,544 SH   SOLE   0 0 3,544
CONSOLIDATED EDISON INC COM 209115104 5,427 75,445 SH   SOLE   0 0 75,445
OXFORD SQUARE CAP CORP COM 69181V107 198 70,846 SH   SOLE   0 0 70,846
CHECK POINT SOFTWARE TECH LT ORD M22465104 279 2,601 SH   SOLE   0 0 2,601
MCDONALDS CORP COM 580135101 6,581 35,677 SH   SOLE   0 0 35,677
BOOKING HOLDINGS INC COM 09857L108 304 191 SH   SOLE   0 0 191
POWERSHARES DB MULTI-SECTOR OIL FD 46140H403 211 30,237 SH   SOLE   0 0 30,237
GENERAL DYNAMICS CORP COM 369550108 5,770 38,605 SH   SOLE   0 0 38,605
ISHARES TR S&P MC 400VL ETF 464287705 210 1,583 SH   SOLE   0 0 1,583
MCCORMICK & CO INC COM NON VTG 579780206 225 1,255 SH   SOLE   0 0 1,255
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 1,560 31,197 SH   SOLE   0 0 31,197
FASTENAL CO COM 311900104 566 13,210 SH   SOLE   0 0 13,210
ALPHABET INC CAP STK CL A 02079K305 774 546 SH   SOLE   0 0 546
EATON VANCE CORP COM NON VTG 278265103 241 6,233 SH   SOLE   0 0 6,233
ISHARES TR IBONDS DEC24 ETF 46434VBG4 577 21,882 SH   SOLE   0 0 21,882
ALPHABET INC CAP STK CL C 02079K107 868 614 SH   SOLE   0 0 614
CLOROX CO DEL COM 189054109 8,795 40,092 SH   SOLE   0 0 40,092
BANCO BRADESCO S A SP ADR PFD NEW 059460303 40 10,406 SH   SOLE   0 0 10,406
EMERSON ELEC CO COM 291011104 331 5,337 SH   SOLE   0 0 5,337
HONEYWELL INTL INC COM 438516106 721 4,987 SH   SOLE   0 0 4,987
RELX PLC SPONSORED ADR 759530108 221 9,398 SH   SOLE   0 0 9,398
ISHARES TR MSCI EAFE ETF 464287465 1,014 16,659 SH   SOLE   0 0 16,659
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,526 30,600 SH   SOLE   0 0 30,600
VALERO ENERGY CORP COM 91913Y100 208 3,540 SH   SOLE   0 0 3,540
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,476 314,981 SH   SOLE   0 0 314,981
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,723 33,973 SH   SOLE   0 0 33,973
ISHARES TR EAFE GRWTH ETF 464288885 271 3,262 SH   SOLE   0 0 3,262
BAXTER INTL INC COM 071813109 423 4,918 SH   SOLE   0 0 4,918
CONOCOPHILLIPS COM 20825C104 407 9,697 SH   SOLE   0 0 9,697
MEDTRONIC PLC SHS G5960L103 1,011 11,027 SH   SOLE   0 0 11,027
BIOGEN INC COM 09062X103 373 1,396 SH   SOLE   0 0 1,396
LEAR CORP COM NEW 521865204 241 2,214 SH   SOLE   0 0 2,214
ISHARES TR CORE S&P500 ETF 464287200 2,045 6,603 SH   SOLE   0 0 6,603
WASHINGTON PRIME GROUP NEW COM 93964W108 12 13,949 SH   SOLE   0 0 13,949
AFLAC INC COM 001055102 4,950 137,375 SH   SOLE   0 0 137,375
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,832 144,658 SH   SOLE   0 0 144,658
INTUIT COM 461202103 297 1,004 SH   SOLE   0 0 1,004
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 213 1,292 SH   SOLE   0 0 1,292
ISHARES TR 0-5YR HI YL CP 46434V407 1,265 29,501 SH   SOLE   0 0 29,501
PAYPAL HLDGS INC COM 70450Y103 599 3,437 SH   SOLE   0 0 3,437
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 302 9,961 SH   SOLE   0 0 9,961
CROWN CASTLE INTL CORP NEW COM 22822V101 225 1,342 SH   SOLE   0 0 1,342
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 151,924 3,031,801 SH   SOLE   0 0 3,031,801
ISHARES TR CORE MSCI EURO 46434V738 17,363 406,068 SH   SOLE   0 0 406,068
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 73,580 2,488,325 SH   SOLE   0 0 2,488,325
VANGUARD INDEX FDS SM CP VAL ETF 922908611 120,162 1,123,842 SH   SOLE   0 0 1,123,842
JOHNSON & JOHNSON COM 478160104 1,339 9,521 SH   SOLE   0 0 9,521
ATLAS CORP SHS Y0436Q109 129 16,942 SH   SOLE   0 0 16,942
AIR PRODS & CHEMS INC COM 009158106 657 2,721 SH   SOLE   0 0 2,721
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 38 11,140 SH   SOLE   0 0 11,140
KINDER MORGAN INC DEL COM 49456B101 164 10,811 SH   SOLE   0 0 10,811
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 210 9,408 SH   SOLE   0 0 9,408