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
VANGUARD WORLD FD ESG US STK ETF 921910733 2,971 40,280 SH   SOLE   0 0 40,280
ACTIVISION BLIZZARD INC COM 00507V109 563 6,053 SH   SOLE   0 0 6,053
PFIZER INC COM 717081103 540 14,913 SH   SOLE   0 0 14,913
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 70 14,028 SH   SOLE   0 0 14,028
NETAPP INC COM 64110D104 220 3,033 SH   SOLE   0 0 3,033
DANAHER CORPORATION COM 235851102 463 2,059 SH   SOLE   0 0 2,059
ISHARES TR NATIONAL MUN ETF 464288414 913 7,870 SH   SOLE   0 0 7,870
GENERAL ELECTRIC CO COM 369604103 424 32,271 SH   SOLE   0 0 32,271
KIMBERLY-CLARK CORP COM 494368103 399 2,871 SH   SOLE   0 0 2,871
AMERICAN TOWER CORP NEW COM 03027X100 412 1,726 SH   SOLE   0 0 1,726
DISNEY WALT CO COM 254687106 618 3,347 SH   SOLE   0 0 3,347
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 212,386 6,683,024 SH   SOLE   0 0 6,683,024
BECTON DICKINSON & CO COM 075887109 344 1,415 SH   SOLE   0 0 1,415
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 635 8,064 SH   SOLE   0 0 8,064
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,586 11,572 SH   SOLE   0 0 11,572
ISHARES TR SHRT NAT MUN ETF 464288158 12,281 113,900 SH   SOLE   0 0 113,900
MICRON TECHNOLOGY INC COM 595112103 206 2,336 SH   SOLE   0 0 2,336
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 5,167 53,108 SH   SOLE   0 0 53,108
MASTERCARD INCORPORATED CL A 57636Q104 955 2,681 SH   SOLE   0 0 2,681
GENUINE PARTS CO COM 372460105 328 2,836 SH   SOLE   0 0 2,836
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 206 875 SH   SOLE   0 0 875
CVS HEALTH CORP COM 126650100 225 2,993 SH   SOLE   0 0 2,993
AMERICAN EXPRESS CO COM 025816109 363 2,566 SH   SOLE   0 0 2,566
COSTCO WHSL CORP NEW COM 22160K105 586 1,662 SH   SOLE   0 0 1,662
AON PLC SHS CL A G0403H108 210 914 SH   SOLE   0 0 914
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,570 8,474 SH   SOLE   0 0 8,474
PEPSICO INC COM 713448108 552 3,903 SH   SOLE   0 0 3,903
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 459 9,344 SH   SOLE   0 0 9,344
BK OF AMERICA CORP COM 060505104 336 8,685 SH   SOLE   0 0 8,685
SELECT SECTOR SPDR TR ENERGY 81369Y506 205 4,172 SH   SOLE   0 0 4,172
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 353,902 5,617,487 SH   SOLE   0 0 5,617,487
NEXTERA ENERGY INC COM 65339F101 258 3,412 SH   SOLE   0 0 3,412
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 382 788 SH   SOLE   0 0 788
CATERPILLAR INC COM 149123101 532 2,294 SH   SOLE   0 0 2,294
ISHARES TR MSCI USA MIN VOL 46429B697 413 5,969 SH   SOLE   0 0 5,969
ISHARES TR CORE MSCI PAC 46434V696 11,341 170,368 SH   SOLE   0 0 170,368
QUALCOMM INC COM 747525103 1,064 8,024 SH   SOLE   0 0 8,024
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 626 2,267 SH   SOLE   0 0 2,267
LOWES COS INC COM 548661107 329 1,732 SH   SOLE   0 0 1,732
NOVO-NORDISK A S ADR 670100205 394 5,851 SH   SOLE   0 0 5,851
NOVARTIS AG SPONSORED ADR 66987V109 471 5,507 SH   SOLE   0 0 5,507
TARGET CORP COM 87612E110 868 4,380 SH   SOLE   0 0 4,380
PROGRESSIVE CORP COM 743315103 1,024 10,711 SH   SOLE   0 0 10,711
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 114,802 3,595,430 SH   SOLE   0 0 3,595,430
AMAZON COM INC COM 023135106 3,298 1,066 SH   SOLE   0 0 1,066
APPLE INC COM 037833100 12,136 99,351 SH   SOLE   0 0 99,351
AT&T INC COM 00206R102 942 31,131 SH   SOLE   0 0 31,131
PAYCHEX INC COM 704326107 351 3,580 SH   SOLE   0 0 3,580
UNION PAC CORP COM 907818108 399 1,812 SH   SOLE   0 0 1,812
MERCK & CO. INC COM 58933Y105 1,325 17,191 SH   SOLE   0 0 17,191
ALCON AG ORD SHS H01301128 231 3,293 SH   SOLE   0 0 3,293
TEXAS INSTRS INC COM 882508104 1,432 7,578 SH   SOLE   0 0 7,578
EDWARDS LIFESCIENCES CORP COM 28176E112 225 2,687 SH   SOLE   0 0 2,687
PRICE T ROWE GROUP INC COM 74144T108 10,846 63,203 SH   SOLE   0 0 63,203
CUMMINS INC COM 231021106 452 1,743 SH   SOLE   0 0 1,743
DELTA AIR LINES INC DEL COM NEW 247361702 224 4,639 SH   SOLE   0 0 4,639
CINCINNATI FINL CORP COM 172062101 236 2,288 SH   SOLE   0 0 2,288
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,302 23,099 SH   SOLE   0 0 23,099
ORACLE CORP COM 68389X105 6,535 93,128 SH   SOLE   0 0 93,128
ISHARES TR ESG AW MSCI EAFE 46435G516 2,506 33,021 SH   SOLE   0 0 33,021
IMPERIAL OIL LTD COM NEW 453038408 226 9,395 SH   SOLE   0 0 9,395
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 535 6,379 SH   SOLE   0 0 6,379
PROCTER AND GAMBLE CO COM 742718109 1,834 13,544 SH   SOLE   0 0 13,544
ARCHER DANIELS MIDLAND CO COM 039483102 10,144 177,969 SH   SOLE   0 0 177,969
VANGUARD INDEX FDS GROWTH ETF 922908736 120,065 467,108 SH   SOLE   0 0 467,108
PHILIP MORRIS INTL INC COM 718172109 334 3,768 SH   SOLE   0 0 3,768
AMERIPRISE FINL INC COM 03076C106 235 1,013 SH   SOLE   0 0 1,013
INTEL CORP COM 458140100 1,250 19,531 SH   SOLE   0 0 19,531
HORMEL FOODS CORP COM 440452100 9,569 200,273 SH   SOLE   0 0 200,273
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 3,487 56,102 SH   SOLE   0 0 56,102
CAMDEN PPTY TR SH BEN INT 133131102 2,083 18,949 SH   SOLE   0 0 18,949
DUKE ENERGY CORP NEW COM NEW 26441C204 502 5,197 SH   SOLE   0 0 5,197
DOMINOS PIZZA INC COM 25754A201 214 581 SH   SOLE   0 0 581
TRACTOR SUPPLY CO COM 892356106 240 1,357 SH   SOLE   0 0 1,357
NIKE INC CL B 654106103 982 7,388 SH   SOLE   0 0 7,388
ISHARES TR JPMORGAN USD EMG 464288281 81,643 749,848 SH   SOLE   0 0 749,848
CGI INC CL A SUB VTG 12532H104 244 2,927 SH   SOLE   0 0 2,927
WALMART INC COM 931142103 1,080 7,953 SH   SOLE   0 0 7,953
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 693 5,856 SH   SOLE   0 0 5,856
ISHARES INC ESG AWR MSCI EM 46434G863 873 20,165 SH   SOLE   0 0 20,165
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,283 39,973 SH   SOLE   0 0 39,973
ATLAS CORP SHARES Y0436Q109 146 10,708 SH   SOLE   0 0 10,708
ISHARES TR SP SMCP600VL ETF 464287879 865 8,582 SH   SOLE   0 0 8,582
BRISTOL-MYERS SQUIBB CO COM 110122108 223 3,538 SH   SOLE   0 0 3,538
AMERICAN INTL GROUP INC COM NEW 026874784 377 8,158 SH   SOLE   0 0 8,158
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 762 14,858 SH   SOLE   0 0 14,858
DOW INC COM 260557103 352 5,512 SH   SOLE   0 0 5,512
JPMORGAN CHASE & CO COM 46625H100 1,150 7,557 SH   SOLE   0 0 7,557
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,350 39,025 SH   SOLE   0 0 39,025
COMCAST CORP NEW CL A 20030N101 781 14,436 SH   SOLE   0 0 14,436
ISHARES TR RUS 2000 GRW ETF 464287648 297 987 SH   SOLE   0 0 987
SPDR SER TR S&P 600 SMCP VAL 78464A300 7,090 86,472 SH   SOLE   0 0 86,472
ISHARES TR CORE S&P SCP ETF 464287804 9,784 90,151 SH   SOLE   0 0 90,151
EQUINIX INC COM 29444U700 329 485 SH   SOLE   0 0 485
CISCO SYS INC COM 17275R102 1,494 28,889 SH   SOLE   0 0 28,889
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,091 21,624 SH   SOLE   0 0 21,624
ISHARES INC CORE MSCI EMKT 46434G103 457 7,108 SH   SOLE   0 0 7,108
BROADCOM INC COM 11135F101 540 1,165 SH   SOLE   0 0 1,165
SYSCO CORP COM 871829107 365 4,635 SH   SOLE   0 0 4,635
AMBEV SA SPONSORED ADR 02319V103 35 12,945 SH   SOLE   0 0 12,945
EATON CORP PLC SHS G29183103 331 2,396 SH   SOLE   0 0 2,396
ENTERGY CORP NEW COM 29364G103 378 3,803 SH   SOLE   0 0 3,803
WESTROCK CO COM 96145D105 390 7,492 SH   SOLE   0 0 7,492
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,294 37,808 SH   SOLE   0 0 37,808
CHEVRON CORP NEW COM 166764100 876 8,356 SH   SOLE   0 0 8,356
VANGUARD STAR FDS VG TL INTL STK F 921909768 206 3,279 SH   SOLE   0 0 3,279
ISHARES TR BARCLAYS 7 10 YR 464287440 70,392 623,323 SH   SOLE   0 0 623,323
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,298 8,995 SH   SOLE   0 0 8,995
CARNIVAL CORP UNIT 99/99/9999 143658300 206 7,763 SH   SOLE   0 0 7,763
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 608 2,682 SH   SOLE   0 0 2,682
ISHARES TR FLTG RATE NT ETF 46429B655 402 7,909 SH   SOLE   0 0 7,909
VANGUARD INDEX FDS VALUE ETF 922908744 126,927 965,522 SH   SOLE   0 0 965,522
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 224 5,711 SH   SOLE   0 0 5,711
VISA INC COM CL A 92826C839 1,831 8,648 SH   SOLE   0 0 8,648
HDFC BANK LTD SPONSORED ADS 40415F101 374 4,810 SH   SOLE   0 0 4,810
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 341,918 2,634,597 SH   SOLE   0 0 2,634,597
SAP SE SPON ADR 803054204 371 3,018 SH   SOLE   0 0 3,018
PPL CORP COM 69351T106 272 9,420 SH   SOLE   0 0 9,420
WEYERHAEUSER CO MTN BE COM NEW 962166104 372 10,462 SH   SOLE   0 0 10,462
ISHARES TR IBOXX INV CP ETF 464287242 285 2,192 SH   SOLE   0 0 2,192
JD.COM INC SPON ADR CL A 47215P106 322 3,818 SH   SOLE   0 0 3,818
D R HORTON INC COM 23331A109 238 2,670 SH   SOLE   0 0 2,670
VANGUARD INDEX FDS SML CP GRW ETF 922908595 136,230 496,011 SH   SOLE   0 0 496,011
KEYSIGHT TECHNOLOGIES INC COM 49338L103 254 1,768 SH   SOLE   0 0 1,768
VANGUARD INDEX FDS MID CAP ETF 922908629 693 3,133 SH   SOLE   0 0 3,133
MONDELEZ INTL INC CL A 609207105 441 7,538 SH   SOLE   0 0 7,538
SVB FINANCIAL GROUP COM 78486Q101 266 539 SH   SOLE   0 0 539
ISHARES TR 3 7 YR TREAS BD 464288661 138,531 1,066,527 SH   SOLE   0 0 1,066,527
ISHARES TR RUS 1000 VAL ETF 464287598 33,442 220,668 SH   SOLE   0 0 220,668
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 415 4,345 SH   SOLE   0 0 4,345
EXPONENT INC COM 30214U102 203 2,084 SH   SOLE   0 0 2,084
ZOETIS INC CL A 98978V103 373 2,366 SH   SOLE   0 0 2,366
LILLY ELI & CO COM 532457108 502 2,688 SH   SOLE   0 0 2,688
VANGUARD INDEX FDS SMALL CP ETF 922908751 483 2,258 SH   SOLE   0 0 2,258
FACEBOOK INC CL A 30303M102 1,469 4,988 SH   SOLE   0 0 4,988
TJX COS INC NEW COM 872540109 564 8,525 SH   SOLE   0 0 8,525
DBX ETF TR XTRACK USD HIGH 233051432 973 19,462 SH   SOLE   0 0 19,462
TE CONNECTIVITY LTD REG SHS H84989104 266 2,057 SH   SOLE   0 0 2,057
ISHARES TR CORE S&P TTL STK 464287150 852 9,305 SH   SOLE   0 0 9,305
EQUINOR ASA SPONSORED ADR 29446M102 245 12,597 SH   SOLE   0 0 12,597
AUTOMATIC DATA PROCESSING IN COM 053015103 10,636 56,436 SH   SOLE   0 0 56,436
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 232,719 4,360,483 SH   SOLE   0 0 4,360,483
ILLINOIS TOOL WKS INC COM 452308109 10,421 47,044 SH   SOLE   0 0 47,044
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,127 36,906 SH   SOLE   0 0 36,906
BIO RAD LABS INC CL A 090572207 224 393 SH   SOLE   0 0 393
ISHARES TR CORE US AGGBD ET 464287226 1,627 14,296 SH   SOLE   0 0 14,296
SALESFORCE COM INC COM 79466L302 586 2,767 SH   SOLE   0 0 2,767
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,143 15,210 SH   SOLE   0 0 15,210
SMITH A O CORP COM 831865209 11,045 163,360 SH   SOLE   0 0 163,360
STANLEY BLACK & DECKER INC COM 854502101 206 1,034 SH   SOLE   0 0 1,034
ISHARES TR IBOXX HI YD ETF 464288513 219 2,510 SH   SOLE   0 0 2,510
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 4,778 57,711 SH   SOLE   0 0 57,711
CITIGROUP INC COM NEW 172967424 503 6,910 SH   SOLE   0 0 6,910
BERKSHIRE HATHAWAY INC DEL CL A 084670108 771 2 SH   SOLE   0 0 2
PIMCO DYNAMIC CR INCOME FD COM SHS 72202D106 211 9,470 SH   SOLE   0 0 9,470
ISHARES TR ESG AWR MSCI USA 46435G425 212 2,335 SH   SOLE   0 0 2,335
HOME DEPOT INC COM 437076102 949 3,109 SH   SOLE   0 0 3,109
CHUBB LIMITED COM H1467J104 9,931 62,868 SH   SOLE   0 0 62,868
METLIFE INC COM 59156R108 331 5,443 SH   SOLE   0 0 5,443
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 6,729 52,417 SH   SOLE   0 0 52,417
FRANKLIN RESOURCES INC COM 354613101 10,394 351,153 SH   SOLE   0 0 351,153
LOCKHEED MARTIN CORP COM 539830109 792 2,143 SH   SOLE   0 0 2,143
NETFLIX INC COM 64110L106 566 1,085 SH   SOLE   0 0 1,085
AMGEN INC COM 031162100 1,109 4,457 SH   SOLE   0 0 4,457
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 66,820 809,941 SH   SOLE   0 0 809,941
SOUTHERN CO COM 842587107 801 12,879 SH   SOLE   0 0 12,879
FIDELITY NATL INFORMATION SV COM 31620M106 215 1,528 SH   SOLE   0 0 1,528
INVESCO QQQ TR UNIT SER 1 46090E107 5,627 17,632 SH   SOLE   0 0 17,632
UNITEDHEALTH GROUP INC COM 91324P102 2,963 7,963 SH   SOLE   0 0 7,963
INTERNATIONAL BUSINESS MACHS COM 459200101 585 4,388 SH   SOLE   0 0 4,388
VICI PPTYS INC COM 925652109 252 8,937 SH   SOLE   0 0 8,937
3M CO COM 88579Y101 10,774 55,915 SH   SOLE   0 0 55,915
ISHARES TR ESG AWARE MSCI 46435U663 800 20,752 SH   SOLE   0 0 20,752
ISHARES TR S&P 500 GRWT ETF 464287309 1,587 24,368 SH   SOLE   0 0 24,368
NVIDIA CORPORATION COM 67066G104 1,168 2,188 SH   SOLE   0 0 2,188
VERIZON COMMUNICATIONS INC COM 92343V104 752 12,930 SH   SOLE   0 0 12,930
CANADIAN NATL RY CO COM 136375102 264 2,278 SH   SOLE   0 0 2,278
ISHARES TR S&P MC 400GR ETF 464287606 255 3,258 SH   SOLE   0 0 3,258
ASML HOLDING N V N Y REGISTRY SHS N07059210 328 531 SH   SOLE   0 0 531
AMERICAN ELEC PWR CO INC COM 025537101 573 6,760 SH   SOLE   0 0 6,760
SERVICENOW INC COM 81762P102 305 610 SH   SOLE   0 0 610
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 536 1,471 SH   SOLE   0 0 1,471
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 252,785 3,095,576 SH   SOLE   0 0 3,095,576
ISHARES TR CORE MSCI EAFE 46432F842 1,862 25,840 SH   SOLE   0 0 25,840
ISHARES TR CORE S&P MCP ETF 464287507 8,552 32,856 SH   SOLE   0 0 32,856
VARIAN MED SYS INC COM 92220P105 295 1,669 SH   SOLE   0 0 1,669
ISHARES TR MSCI EMG MKT ETF 464287234 883 16,563 SH   SOLE   0 0 16,563
MICROSOFT CORP COM 594918104 5,301 22,485 SH   SOLE   0 0 22,485
ISHARES TR RUSSELL 2000 ETF 464287655 1,707 7,728 SH   SOLE   0 0 7,728
LINDE PLC SHS G5494J103 669 2,387 SH   SOLE   0 0 2,387
ADOBE SYSTEMS INCORPORATED COM 00724F101 913 1,921 SH   SOLE   0 0 1,921
RIO TINTO PLC SPONSORED ADR 767204100 220 2,830 SH   SOLE   0 0 2,830
ISHARES TR RUS 1000 ETF 464287622 1,123 5,017 SH   SOLE   0 0 5,017
WEC ENERGY GROUP INC COM 92939U106 309 3,305 SH   SOLE   0 0 3,305
ISHARES TR RUS MID CAP ETF 464287499 1,545 20,898 SH   SOLE   0 0 20,898
REGIONS FINANCIAL CORP NEW COM 7591EP100 253 12,228 SH   SOLE   0 0 12,228
RAYTHEON TECHNOLOGIES CORP COM 75513E105 442 5,723 SH   SOLE   0 0 5,723
ISHARES TR MSCI ACWI ETF 464288257 1,491 15,666 SH   SOLE   0 0 15,666
STARBUCKS CORP COM 855244109 457 4,178 SH   SOLE   0 0 4,178
10X GENOMICS INC CL A COM 88025U109 3,773 20,844 SH   SOLE   0 0 20,844
ISHARES TR S&P 500 VAL ETF 464287408 982 6,950 SH   SOLE   0 0 6,950
ISHARES TR RUS 1000 GRW ETF 464287614 43,876 180,531 SH   SOLE   0 0 180,531
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,032 13,311 SH   SOLE   0 0 13,311
MONSTER BEVERAGE CORP NEW COM 61174X109 265 2,907 SH   SOLE   0 0 2,907
CONSOLIDATED EDISON INC COM 209115104 9,880 132,080 SH   SOLE   0 0 132,080
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 248 9,916 SH   SOLE   0 0 9,916
MCDONALDS CORP COM 580135101 10,498 46,836 SH   SOLE   0 0 46,836
BOOKING HOLDINGS INC COM 09857L108 506 217 SH   SOLE   0 0 217
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 546 19,566 SH   SOLE   0 0 19,566
GENERAL DYNAMICS CORP COM 369550108 10,518 57,930 SH   SOLE   0 0 57,930
ISHARES TR S&P MC 400VL ETF 464287705 332 3,257 SH   SOLE   0 0 3,257
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 652 5,586 SH   SOLE   0 0 5,586
FASTENAL CO COM 311900104 384 7,638 SH   SOLE   0 0 7,638
ALPHABET INC CAP STK CL A 02079K305 1,153 559 SH   SOLE   0 0 559
GOLDMAN SACHS GROUP INC COM 38141G104 277 848 SH   SOLE   0 0 848
FIRST TR NASDAQ 100 TECH IND SHS 337345102 268 1,860 SH   SOLE   0 0 1,860
PHILLIPS 66 COM 718546104 481 5,895 SH   SOLE   0 0 5,895
APPLIED MATLS INC COM 038222105 271 2,025 SH   SOLE   0 0 2,025
ISHARES TR RUS MD CP GR ETF 464287481 210 2,060 SH   SOLE   0 0 2,060
ALPHABET INC CAP STK CL C 02079K107 1,961 948 SH   SOLE   0 0 948
EMERSON ELEC CO COM 291011104 380 4,208 SH   SOLE   0 0 4,208
BANCO BRADESCO S A SP ADR PFD NEW 059460303 118 25,042 SH   SOLE   0 0 25,042
ISHARES TR ISHS 1-5YR INVS 464288646 32,417 592,855 SH   SOLE   0 0 592,855
CLOROX CO DEL COM 189054109 9,216 47,782 SH   SOLE   0 0 47,782
HONEYWELL INTL INC COM 438516106 1,175 5,412 SH   SOLE   0 0 5,412
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 11,607 172,648 SH   SOLE   0 0 172,648
AGILENT TECHNOLOGIES INC COM 00846U101 289 2,271 SH   SOLE   0 0 2,271
ISHARES TR MSCI EAFE ETF 464287465 1,970 25,965 SH   SOLE   0 0 25,965
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,397 28,195 SH   SOLE   0 0 28,195
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,850 227,673 SH   SOLE   0 0 227,673
DUPONT DE NEMOURS INC COM 26614N102 560 7,248 SH   SOLE   0 0 7,248
CORTEVA INC COM 22052L104 439 9,417 SH   SOLE   0 0 9,417
ALBEMARLE CORP COM 012653101 224 1,530 SH   SOLE   0 0 1,530
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 394 7,760 SH   SOLE   0 0 7,760
BAXTER INTL INC COM 071813109 263 3,123 SH   SOLE   0 0 3,123
ISHARES TR EAFE GRWTH ETF 464288885 319 3,176 SH   SOLE   0 0 3,176
CONOCOPHILLIPS COM 20825C104 538 10,148 SH   SOLE   0 0 10,148
MEDTRONIC PLC SHS G5960L103 1,131 9,576 SH   SOLE   0 0 9,576
IDEANOMICS INC COM 45166V106 29 10,045 SH   SOLE   0 0 10,045
BIOGEN INC COM 09062X103 206 735 SH   SOLE   0 0 735
LEAR CORP COM NEW 521865204 333 1,839 SH   SOLE   0 0 1,839
LAM RESEARCH CORP COM 512807108 879 1,478 SH   SOLE   0 0 1,478
UNITED PARCEL SERVICE INC CL B 911312106 302 1,779 SH   SOLE   0 0 1,779
ISHARES TR CORE S&P500 ETF 464287200 42,887 107,804 SH   SOLE   0 0 107,804
AFLAC INC COM 001055102 10,297 201,184 SH   SOLE   0 0 201,184
BLACKROCK INC COM 09247X101 202 269 SH   SOLE   0 0 269
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 14,188 259,659 SH   SOLE   0 0 259,659
MORGAN STANLEY COM NEW 617446448 348 4,485 SH   SOLE   0 0 4,485
INTUIT COM 461202103 476 1,243 SH   SOLE   0 0 1,243
PAYPAL HLDGS INC COM 70450Y103 1,188 4,894 SH   SOLE   0 0 4,894
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 458 2,136 SH   SOLE   0 0 2,136
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,031 40,726 SH   SOLE   0 0 40,726
CROWN CASTLE INTL CORP NEW COM 22822V101 293 1,705 SH   SOLE   0 0 1,705
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 322,082 4,933,859 SH   SOLE   0 0 4,933,859
ATMOS ENERGY CORP COM 049560105 9,994 101,108 SH   SOLE   0 0 101,108
ISHARES TR CORE MSCI EURO 46434V738 22,086 409,222 SH   SOLE   0 0 409,222
ISHARES TR EXPONENTIAL TECH 46434V381 220 3,713 SH   SOLE   0 0 3,713
VANGUARD INDEX FDS SM CP VAL ETF 922908611 210,654 1,271,990 SH   SOLE   0 0 1,271,990
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 126,927 3,219,864 SH   SOLE   0 0 3,219,864
JOHNSON & JOHNSON COM 478160104 1,916 11,660 SH   SOLE   0 0 11,660
AIR PRODS & CHEMS INC COM 009158106 795 2,827 SH   SOLE   0 0 2,827
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 69 13,294 SH   SOLE   0 0 13,294
THERMO FISHER SCIENTIFIC INC COM 883556102 345 756 SH   SOLE   0 0 756
MANULIFE FINL CORP COM 56501R106 270 12,574 SH   SOLE   0 0 12,574
WISDOMTREE TR INTL SMCAP DIV 97717W760 339 4,693 SH   SOLE   0 0 4,693
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 305 10,809 SH   SOLE   0 0 10,809
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 581 7,074 SH   SOLE   0 0 7,074
PNC FINL SVCS GROUP INC COM 693475105 351 2,000 SH   SOLE   0 0 2,000
VANGUARD BD INDEX FDS INTERMED TERM 921937819 473 5,329 SH   SOLE   0 0 5,329