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
AFLAC INC COM 001055102 10,967 204,382 SH   SOLE   0 0 204,382
AIR PRODS & CHEMS INC COM 009158106 883 3,070 SH   SOLE   0 0 3,070
ALBEMARLE CORP COM 012653101 269 1,599 SH   SOLE   0 0 1,599
AMAZON COM INC COM 023135106 4,125 1,199 SH   SOLE   0 0 1,199
AMERICAN ELEC PWR CO INC COM 025537101 576 6,813 SH   SOLE   0 0 6,813
AMERICAN EXPRESS CO COM 025816109 424 2,569 SH   SOLE   0 0 2,569
AMERICAN INTL GROUP INC COM NEW 026874784 359 7,545 SH   SOLE   0 0 7,545
AMGEN INC COM 031162100 1,363 5,591 SH   SOLE   0 0 5,591
APPLIED MATLS INC COM 038222105 313 2,198 SH   SOLE   0 0 2,198
ARCHER DANIELS MIDLAND CO COM 039483102 10,786 177,991 SH   SOLE   0 0 177,991
ATMOS ENERGY CORP COM 049560105 10,291 107,076 SH   SOLE   0 0 107,076
AUTOMATIC DATA PROCESSING IN COM 053015103 11,509 57,944 SH   SOLE   0 0 57,944
BANCO BRADESCO S A SP ADR PFD NEW 059460303 126 24,477 SH   SOLE   0 0 24,477
BK OF AMERICA CORP COM 060505104 370 8,968 SH   SOLE   0 0 8,968
BAXTER INTL INC COM 071813109 252 3,130 SH   SOLE   0 0 3,130
BECTON DICKINSON & CO COM 075887109 321 1,320 SH   SOLE   0 0 1,320
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,659 9,566 SH   SOLE   0 0 9,566
BIO RAD LABS INC CL A 090572207 250 388 SH   SOLE   0 0 388
BRISTOL-MYERS SQUIBB CO COM 110122108 249 3,732 SH   SOLE   0 0 3,732
CVS HEALTH CORP COM 126650100 251 3,006 SH   SOLE   0 0 3,006
CAMDEN PPTY TR SH BEN INT 133131102 2,514 18,950 SH   SOLE   0 0 18,950
CANADIAN NATL RY CO COM 136375102 240 2,272 SH   SOLE   0 0 2,272
CARNIVAL CORP UNIT 99/99/9999 143658300 204 7,739 SH   SOLE   0 0 7,739
CATERPILLAR INC COM 149123101 508 2,336 SH   SOLE   0 0 2,336
CHEVRON CORP NEW COM 166764100 829 7,913 SH   SOLE   0 0 7,913
CINCINNATI FINL CORP COM 172062101 290 2,488 SH   SOLE   0 0 2,488
CITIGROUP INC COM NEW 172967424 490 6,931 SH   SOLE   0 0 6,931
CLOROX CO DEL COM 189054109 9,656 53,670 SH   SOLE   0 0 53,670
CONSOLIDATED EDISON INC COM 209115104 10,012 139,602 SH   SOLE   0 0 139,602
CUMMINS INC COM 231021106 395 1,622 SH   SOLE   0 0 1,622
DBX ETF TR XTRACK USD HIGH 233051432 954 23,671 SH   SOLE   0 0 23,671
DANAHER CORPORATION COM 235851102 1,023 3,813 SH   SOLE   0 0 3,813
DELTA AIR LINES INC DEL COM NEW 247361702 264 6,096 SH   SOLE   0 0 6,096
DISNEY WALT CO COM 254687106 600 3,416 SH   SOLE   0 0 3,416
DOW INC COM 260557103 349 5,521 SH   SOLE   0 0 5,521
EMERSON ELEC CO COM 291011104 402 4,177 SH   SOLE   0 0 4,177
FASTENAL CO COM 311900104 388 7,461 SH   SOLE   0 0 7,461
FEDERAL RLTY INVT TR SH BEN INT NEW 313747206 218 1,860 SH   SOLE   0 0 1,860
FRANKLIN RESOURCES INC COM 354613101 11,191 349,842 SH   SOLE   0 0 349,842
GENERAL DYNAMICS CORP COM 369550108 11,105 58,990 SH   SOLE   0 0 58,990
GENERAL ELECTRIC CO COM 369604103 712 52,883 SH   SOLE   0 0 52,883
GENUINE PARTS CO COM 372460105 340 2,687 SH   SOLE   0 0 2,687
HOME DEPOT INC COM 437076102 841 2,637 SH   SOLE   0 0 2,637
HONEYWELL INTL INC COM 438516106 1,428 6,509 SH   SOLE   0 0 6,509
HORMEL FOODS CORP COM 440452100 10,374 217,265 SH   SOLE   0 0 217,265
ILLINOIS TOOL WKS INC COM 452308109 10,871 48,627 SH   SOLE   0 0 48,627
IMPERIAL OIL LTD COM NEW 453038408 286 9,395 SH   SOLE   0 0 9,395
INTEL CORP COM 458140100 1,250 22,263 SH   SOLE   0 0 22,263
INTERNATIONAL BUSINESS MACHS COM 459200101 628 4,283 SH   SOLE   0 0 4,283
INTUIT COM 461202103 569 1,161 SH   SOLE   0 0 1,161
ISHARES TR CORE S&P TTL STK 464287150 806 8,160 SH   SOLE   0 0 8,160
ISHARES TR CORE S&P500 ETF 464287200 44,748 104,084 SH   SOLE   0 0 104,084
ISHARES TR CORE US AGGBD ET 464287226 510 4,419 SH   SOLE   0 0 4,419
ISHARES TR MSCI EMG MKT ETF 464287234 1,148 20,811 SH   SOLE   0 0 20,811
ISHARES TR IBOXX INV CP ETF 464287242 302 2,251 SH   SOLE   0 0 2,251
ISHARES TR S&P 500 GRWT ETF 464287309 1,091 14,996 SH   SOLE   0 0 14,996
ISHARES TR S&P 500 VAL ETF 464287408 528 3,577 SH   SOLE   0 0 3,577
ISHARES TR BARCLAYS 7 10 YR 464287440 61,400 531,648 SH   SOLE   0 0 531,648
ISHARES TR MSCI EAFE ETF 464287465 1,860 23,586 SH   SOLE   0 0 23,586
ISHARES TR RUS MD CP GR ETF 464287481 240 2,120 SH   SOLE   0 0 2,120
ISHARES TR RUS MID CAP ETF 464287499 1,656 20,892 SH   SOLE   0 0 20,892
ISHARES TR CORE S&P MCP ETF 464287507 7,992 29,740 SH   SOLE   0 0 29,740
ISHARES TR RUS 1000 VAL ETF 464287598 30,453 191,990 SH   SOLE   0 0 191,990
ISHARES TR RUS 1000 GRW ETF 464287614 42,357 156,022 SH   SOLE   0 0 156,022
ISHARES TR RUS 1000 ETF 464287622 1,165 4,814 SH   SOLE   0 0 4,814
ISHARES TR RUS 2000 GRW ETF 464287648 327 1,049 SH   SOLE   0 0 1,049
ISHARES TR RUSSELL 2000 ETF 464287655 1,792 7,812 SH   SOLE   0 0 7,812
ISHARES TR CORE S&P SCP ETF 464287804 9,124 80,758 SH   SOLE   0 0 80,758
ISHARES TR SP SMCP600VL ETF 464287879 807 7,653 SH   SOLE   0 0 7,653
ISHARES TR SHRT NAT MUN ETF 464288158 12,068 111,932 SH   SOLE   0 0 111,932
ISHARES TR MSCI ACWI ETF 464288257 1,004 9,920 SH   SOLE   0 0 9,920
ISHARES TR JPMORGAN USD EMG 464288281 94,491 840,218 SH   SOLE   0 0 840,218
ISHARES TR NATIONAL MUN ETF 464288414 2,016 17,199 SH   SOLE   0 0 17,199
ISHARES TR ISHS 1-5YR INVS 464288646 35,768 652,580 SH   SOLE   0 0 652,580
ISHARES TR 3 7 YR TREAS BD 464288661 121,103 927,780 SH   SOLE   0 0 927,780
ITAU UNIBANCO HLDG S A SPON ADR REP PFD 465562106 82 13,694 SH   SOLE   0 0 13,694
JOHNSON & JOHNSON COM 478160104 2,195 13,324 SH   SOLE   0 0 13,324
KIMBERLY-CLARK CORP COM 494368103 382 2,852 SH   SOLE   0 0 2,852
LAM RESEARCH CORP COM 512807108 641 985 SH   SOLE   0 0 985
LEAR CORP COM NEW 521865204 314 1,789 SH   SOLE   0 0 1,789
LILLY ELI & CO COM 532457108 1,045 4,551 SH   SOLE   0 0 4,551
LOCKHEED MARTIN CORP COM 539830109 1,018 2,692 SH   SOLE   0 0 2,692
LOWES COS INC COM 548661107 328 1,692 SH   SOLE   0 0 1,692
MCCORMICK & CO INC COM NON VTG 579780206 243 2,754 SH   SOLE   0 0 2,754
MCDONALDS CORP COM 580135101 11,391 49,312 SH   SOLE   0 0 49,312
MICROSOFT CORP COM 594918104 6,692 24,703 SH   SOLE   0 0 24,703
MICRON TECHNOLOGY INC COM 595112103 217 2,554 SH   SOLE   0 0 2,554
MONDELEZ INTL INC CL A 609207105 486 7,779 SH   SOLE   0 0 7,779
MORGAN STANLEY COM NEW 617446448 435 4,744 SH   SOLE   0 0 4,744
NIKE INC CL B 654106103 1,087 7,038 SH   SOLE   0 0 7,038
NOVO-NORDISK A S ADR 670100205 482 5,751 SH   SOLE   0 0 5,751
PNC FINL SVCS GROUP INC COM 693475105 382 2,000 SH   SOLE   0 0 2,000
PPG INDS INC COM 693506107 222 1,307 SH   SOLE   0 0 1,307
PAYCHEX INC COM 704326107 376 3,507 SH   SOLE   0 0 3,507
PEPSICO INC COM 713448108 676 4,562 SH   SOLE   0 0 4,562
PFIZER INC COM 717081103 590 15,076 SH   SOLE   0 0 15,076
PHILIP MORRIS INTL INC COM 718172109 1,016 10,255 SH   SOLE   0 0 10,255
PHILLIPS 66 COM 718546104 511 5,958 SH   SOLE   0 0 5,958
PROCTER AND GAMBLE CO COM 742718109 2,219 16,442 SH   SOLE   0 0 16,442
PROGRESSIVE CORP COM 743315103 1,074 10,935 SH   SOLE   0 0 10,935
QUALCOMM INC COM 747525103 1,193 8,347 SH   SOLE   0 0 8,347
RIO TINTO PLC SPONSORED ADR 767204100 238 2,836 SH   SOLE   0 0 2,836
SAP SE SPON ADR 803054204 426 3,031 SH   SOLE   0 0 3,031
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,188 20,985 SH   SOLE   0 0 20,985
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 418 4,016 SH   SOLE   0 0 4,016
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 427,400 2,928,200 SH   SOLE   0 0 2,928,200
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 372,720 5,451,515 SH   SOLE   0 0 5,451,515
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,063 39,128 SH   SOLE   0 0 39,128
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,537 24,349 SH   SOLE   0 0 24,349
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 256,911 7,813,631 SH   SOLE   0 0 7,813,631
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 253 7,844 SH   SOLE   0 0 7,844
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,560 46,875 SH   SOLE   0 0 46,875
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 259 4,725 SH   SOLE   0 0 4,725
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 683 12,553 SH   SOLE   0 0 12,553
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 220 5,566 SH   SOLE   0 0 5,566
SCHWAB STRATEGIC TR US TIPS ETF 808524870 279 4,466 SH   SOLE   0 0 4,466
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 141,349 3,397,822 SH   SOLE   0 0 3,397,822
SMITH A O CORP COM 831865209 11,901 165,150 SH   SOLE   0 0 165,150
SOUTHERN CO COM 842587107 787 13,005 SH   SOLE   0 0 13,005
SOUTHWEST AIRLS CO COM 844741108 211 3,974 SH   SOLE   0 0 3,974
STANLEY BLACK & DECKER INC COM 854502101 212 1,032 SH   SOLE   0 0 1,032
STARBUCKS CORP COM 855244109 423 3,783 SH   SOLE   0 0 3,783
SYSCO CORP COM 871829107 364 4,688 SH   SOLE   0 0 4,688
TJX COS INC NEW COM 872540109 574 8,519 SH   SOLE   0 0 8,519
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 690 5,744 SH   SOLE   0 0 5,744
TEXAS INSTRS INC COM 882508104 1,797 9,346 SH   SOLE   0 0 9,346
THERMO FISHER SCIENTIFIC INC COM 883556102 393 779 SH   SOLE   0 0 779
TORO CO COM 891092108 200 1,824 SH   SOLE   0 0 1,824
TRACTOR SUPPLY CO COM 892356106 253 1,361 SH   SOLE   0 0 1,361
UNION PAC CORP COM 907818108 392 1,783 SH   SOLE   0 0 1,783
UNITED PARCEL SERVICE INC CL B 911312106 542 2,607 SH   SOLE   0 0 2,607
VANGUARD STAR FDS VG TL INTL STK F 921909768 215 3,280 SH   SOLE   0 0 3,280
VANGUARD WORLD FD ESG US STK ETF 921910733 3,218 40,231 SH   SOLE   0 0 40,231
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 230 875 SH   SOLE   0 0 875
VANGUARD BD INDEX FDS INTERMED TERM 921937819 479 5,329 SH   SOLE   0 0 5,329
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 581 7,074 SH   SOLE   0 0 7,074
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,340 50,527 SH   SOLE   0 0 50,527
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 437 8,487 SH   SOLE   0 0 8,487
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,043 13,063 SH   SOLE   0 0 13,063
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,070 51,813 SH   SOLE   0 0 51,813
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 8,156 78,723 SH   SOLE   0 0 78,723
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,707 42,710 SH   SOLE   0 0 42,710
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,605 250,504 SH   SOLE   0 0 250,504
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 272,085 3,305,620 SH   SOLE   0 0 3,305,620
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 383,595 5,703,175 SH   SOLE   0 0 5,703,175
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 16,308 294,892 SH   SOLE   0 0 294,892
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 599 1,523 SH   SOLE   0 0 1,523
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 513 2,171 SH   SOLE   0 0 2,171
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 401 3,944 SH   SOLE   0 0 3,944
VANGUARD INDEX FDS SML CP GRW ETF 922908595 152,363 525,773 SH   SOLE   0 0 525,773
VANGUARD INDEX FDS SM CP VAL ETF 922908611 217,779 1,254,053 SH   SOLE   0 0 1,254,053
VANGUARD INDEX FDS MID CAP ETF 922908629 667 2,809 SH   SOLE   0 0 2,809
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,924 9,586 SH   SOLE   0 0 9,586
VANGUARD INDEX FDS GROWTH ETF 922908736 133,281 464,702 SH   SOLE   0 0 464,702
VANGUARD INDEX FDS VALUE ETF 922908744 132,359 962,896 SH   SOLE   0 0 962,896
VANGUARD INDEX FDS SMALL CP ETF 922908751 801 3,554 SH   SOLE   0 0 3,554
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,687 21,039 SH   SOLE   0 0 21,039
VICI PPTYS INC COM 925652109 277 8,931 SH   SOLE   0 0 8,931
WALMART INC COM 931142103 1,143 8,108 SH   SOLE   0 0 8,108
WEYERHAEUSER CO MTN BE COM NEW 962166104 347 10,095 SH   SOLE   0 0 10,095
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 389 734 SH   SOLE   0 0 734
RAYTHEON TECHNOLOGIES CORP COM 75513E101 601 7,050 SH   SOLE   0 0 7,050
INVESCO QQQ TR UNIT SER 1 46090E107 6,282 17,724 SH   SOLE   0 0 17,724
TARGET CORP COM 87612E106 1,357 5,615 SH   SOLE   0 0 5,615
EDWARDS LIFESCIENCES CORP COM 28176E112 313 3,025 SH   SOLE   0 0 3,025
AT&T INC COM 00206R102 817 28,398 SH   SOLE   0 0 28,398
ARK ETF TR AUTNMUS TECHNLGY 00214Q203 560 6,499 SH   SOLE   0 0 6,499
ACTIVISION BLIZZARD INC COM 00507V109 917 9,604 SH   SOLE   0 0 9,604
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,392 2,377 SH   SOLE   0 0 2,377
AGILENT TECHNOLOGIES INC COM 00846U101 330 2,232 SH   SOLE   0 0 2,232
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 630 2,778 SH   SOLE   0 0 2,778
ALPHABET INC CAP STK CL C 02079K107 2,376 948 SH   SOLE   0 0 948
ALPHABET INC CAP STK CL A 02079K305 1,455 596 SH   SOLE   0 0 596
AMBEV SA SPONSORED ADR 02319V103 45 13,018 SH   SOLE   0 0 13,018
AMERICAN TOWER CORP NEW COM 03027X100 491 1,819 SH   SOLE   0 0 1,819
AMERIPRISE FINL INC COM 03076C106 225 903 SH   SOLE   0 0 903
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 83 13,316 SH   SOLE   0 0 13,316
BIOGEN INC COM 09062X103 226 653 SH   SOLE   0 0 653
BLACKROCK INC COM 09247X101 244 279 SH   SOLE   0 0 279
BOOKING HOLDINGS INC COM 09857L108 479 219 SH   SOLE   0 0 219
BROADCOM INC COM 11135F101 679 1,424 SH   SOLE   0 0 1,424
CGI INC CL A SUB VTG 12532H104 265 2,927 SH   SOLE   0 0 2,927
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 407 4,345 SH   SOLE   0 0 4,345
CISCO SYS INC COM 17275R102 1,848 34,876 SH   SOLE   0 0 34,876
COMCAST CORP NEW CL A 20030N101 842 14,766 SH   SOLE   0 0 14,766
CONOCOPHILLIPS COM 20825C104 807 13,245 SH   SOLE   0 0 13,245
CORTEVA INC COM 22052L104 399 9,001 SH   SOLE   0 0 9,001
COSTCO WHSL CORP NEW COM 22160K105 568 1,437 SH   SOLE   0 0 1,437
CROWN CASTLE INTL CORP NEW COM 22822V101 340 1,742 SH   SOLE   0 0 1,742
D R HORTON INC COM 23331A109 244 2,704 SH   SOLE   0 0 2,704
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 490 16,215 SH   SOLE   0 0 16,215
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,056 70,375 SH   SOLE   0 0 70,375
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 260 8,763 SH   SOLE   0 0 8,763
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 557 9,541 SH   SOLE   0 0 9,541
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 853 19,044 SH   SOLE   0 0 19,044
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 14,651 543,036 SH   SOLE   0 0 543,036
DOMINOS PIZZA INC COM 25754A201 269 576 SH   SOLE   0 0 576
DUKE ENERGY CORP NEW COM NEW 26441C204 536 5,432 SH   SOLE   0 0 5,432
DUPONT DE NEMOURS INC COM 26614N102 765 9,888 SH   SOLE   0 0 9,888
ENTERGY CORP NEW COM 29364G103 385 3,859 SH   SOLE   0 0 3,859
EQUINIX INC COM 29444U700 390 486 SH   SOLE   0 0 486
EQUINOR ASA SPONSORED ADR 29446M102 260 12,258 SH   SOLE   0 0 12,258
FACEBOOK INC CL A 30303M102 2,115 6,084 SH   SOLE   0 0 6,084
FIDELITY NATL INFORMATION SV COM 31620M106 219 1,548 SH   SOLE   0 0 1,548
FREEPORT-MCMORAN INC CL B 35671D857 291 7,840 SH   SOLE   0 0 7,840
GOLDMAN SACHS GROUP INC COM 38141G104 332 876 SH   SOLE   0 0 876
HDFC BANK LTD SPONSORED ADS 40415F101 339 4,630 SH   SOLE   0 0 4,630
IDEANOMICS INC COM 45166V106 29 10,045 SH   SOLE   0 0 10,045
INTERCONTINENTAL EXCHANGE IN COM 45866F104 210 1,773 SH   SOLE   0 0 1,773
INTUITIVE SURGICAL INC COM NEW 46120E602 228 248 SH   SOLE   0 0 248
ISHARES TR FLTG RATE NT ETF 46429B655 211 4,149 SH   SOLE   0 0 4,149
ISHARES TR MSCI EAFE MIN VL 46429B689 213 2,826 SH   SOLE   0 0 2,826
ISHARES TR MSCI USA MIN VOL 46429B697 439 5,969 SH   SOLE   0 0 5,969
ISHARES TR CORE MSCI EAFE 46432F842 1,646 21,991 SH   SOLE   0 0 21,991
ISHARES INC CORE MSCI EMKT 46434G103 548 8,175 SH   SOLE   0 0 8,175
ISHARES INC ESG AWR MSCI EM 46434G863 917 20,303 SH   SOLE   0 0 20,303
ISHARES TR EXPONENTIAL TECH 46434V381 228 3,599 SH   SOLE   0 0 3,599
ISHARES TR CORE MSCI PAC 46434V696 10,964 165,240 SH   SOLE   0 0 165,240
ISHARES TR CORE MSCI EURO 46434V738 22,153 386,746 SH   SOLE   0 0 386,746
ISHARES TR ESG AWR MSCI USA 46435G425 230 2,335 SH   SOLE   0 0 2,335
ISHARES TR ESG AW MSCI EAFE 46435G516 2,974 37,626 SH   SOLE   0 0 37,626
ISHARES TR ESG AWARE MSCI 46435U663 917 22,703 SH   SOLE   0 0 22,703
JPMORGAN CHASE & CO COM 46625H100 1,346 8,654 SH   SOLE   0 0 8,654
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 265 5,227 SH   SOLE   0 0 5,227
JD.COM INC SPON ADR CL A 47215P106 362 4,539 SH   SOLE   0 0 4,539
KEYSIGHT TECHNOLOGIES INC COM 49338L103 303 1,961 SH   SOLE   0 0 1,961
KONTOOR BRANDS INC COM 50050N103 227 4,020 SH   SOLE   0 0 4,020
MANULIFE FINL CORP COM 56501R106 248 12,574 SH   SOLE   0 0 12,574
MASTERCARD INCORPORATED CL A 57636Q104 1,215 3,328 SH   SOLE   0 0 3,328
MERCK & CO INC COM 58933Y105 1,323 17,008 SH   SOLE   0 0 17,008
METLIFE INC COM 59156R108 313 5,224 SH   SOLE   0 0 5,224
MONSTER BEVERAGE CORP NEW COM 61174X109 234 2,564 SH   SOLE   0 0 2,564
NETAPP INC COM 64110D104 244 2,977 SH   SOLE   0 0 2,977
NETFLIX INC COM 64110L106 573 1,086 SH   SOLE   0 0 1,086
NEXTERA ENERGY INC COM 65339F101 255 3,482 SH   SOLE   0 0 3,482
NOVARTIS AG SPONSORED ADR 66987V109 501 5,489 SH   SOLE   0 0 5,489
NVIDIA CORPORATION COM 67066G104 2,081 2,601 SH   SOLE   0 0 2,601
NUTRIEN LTD COM 67077M108 208 3,428 SH   SOLE   0 0 3,428
ORACLE CORP COM 68389X105 8,878 114,056 SH   SOLE   0 0 114,056
PPL CORP COM 69351T106 292 10,434 SH   SOLE   0 0 10,434
PAYPAL HLDGS INC COM 70450Y103 1,454 4,988 SH   SOLE   0 0 4,988
PRICE T ROWE GROUP INC COM 74144T108 12,514 63,210 SH   SOLE   0 0 63,210
PROLOGIS INC. COM 74340W103 200 1,675 SH   SOLE   0 0 1,675
PUBLIC STORAGE COM 74460D109 248 826 SH   SOLE   0 0 826
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,949 11,561 SH   SOLE   0 0 11,561
SPDR SER TR S&P 600 SMCP GRW 78464A201 3,297 37,143 SH   SOLE   0 0 37,143
SPDR SER TR S&P 600 SMCP VAL 78464A300 7,010 81,783 SH   SOLE   0 0 81,783
SPDR SER TR NUVEEN BLMBRG SR 78468R739 1,415 28,545 SH   SOLE   0 0 28,545
SVB FINANCIAL GROUP COM 78486Q101 300 540 SH   SOLE   0 0 540
SALESFORCE COM INC COM 79466L302 685 2,803 SH   SOLE   0 0 2,803
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 677 8,229 SH   SOLE   0 0 8,229
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 704 5,586 SH   SOLE   0 0 5,586
SELECT SECTOR SPDR TR ENERGY 81369Y506 245 4,539 SH   SOLE   0 0 4,539
SERVICENOW INC COM 81762P102 860 1,566 SH   SOLE   0 0 1,566
SKYWORKS SOLUTIONS INC COM 83088M102 207 1,080 SH   SOLE   0 0 1,080
SYNCHRONY FINANCIAL COM 87165B103 294 6,054 SH   SOLE   0 0 6,054
10X GENOMICS INC CL A COM 88025U109 3,298 16,842 SH   SOLE   0 0 16,842
TESLA INC COM 88160R101 206 303 SH   SOLE   0 0 303
3M CO COM 88579Y101 11,503 57,913 SH   SOLE   0 0 57,913
UNITEDHEALTH GROUP INC COM 91324P102 3,211 8,018 SH   SOLE   0 0 8,018
VANECK VECTORS ETF TR SHRT HGH YLD MUN 92189F387 253 9,930 SH   SOLE   0 0 9,930
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 130,312 3,960,848 SH   SOLE   0 0 3,960,848
VANECK VECTORS ETF TR HIGH YLD MUN ETF 92189H409 3,798 59,708 SH   SOLE   0 0 59,708
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 73,101 883,828 SH   SOLE   0 0 883,828
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 44,359 654,160 SH   SOLE   0 0 654,160
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 262,391 4,916,447 SH   SOLE   0 0 4,916,447
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 25,259 288,027 SH   SOLE   0 0 288,027
VEREIT INC COM 92339V308 211 4,588 SH   SOLE   0 0 4,588
VERIZON COMMUNICATIONS INC COM 92343V104 755 13,475 SH   SOLE   0 0 13,475
VISA INC COM CL A 92826C839 2,252 9,633 SH   SOLE   0 0 9,633
WEC ENERGY GROUP INC COM 92939U106 432 4,853 SH   SOLE   0 0 4,853
WESTROCK CO COM 96145D105 1,226 23,039 SH   SOLE   0 0 23,039
WISDOMTREE TR INTL SMCAP DIV 97717W760 331 4,427 SH   SOLE   0 0 4,427
ZOETIS INC CL A 98978V103 690 3,705 SH   SOLE   0 0 3,705
AON PLC SHS CL A G0403H108 218 911 SH   SOLE   0 0 911
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 672 2,278 SH   SOLE   0 0 2,278
EATON CORP PLC SHS G29183103 356 2,405 SH   SOLE   0 0 2,405
LINDE PLC SHS G5494J103 1,093 3,781 SH   SOLE   0 0 3,781
MEDTRONIC PLC SHS G5960L103 1,214 9,781 SH   SOLE   0 0 9,781
ALCON AG ORD SHS H01301128 230 3,280 SH   SOLE   0 0 3,280
CHUBB LIMITED COM H1467J104 10,604 66,717 SH   SOLE   0 0 66,717
TE CONNECTIVITY LTD REG SHS H84989104 281 2,075 SH   SOLE   0 0 2,075
ASML HOLDING N V N Y REGISTRY SHS N07059210 366 530 SH   SOLE   0 0 530
ATLAS CORP SHARES Y0436Q109 150 10,528 SH   SOLE   0 0 10,528