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 Stock 88579Y101 190 1,275 SH   SOLE   1,275 0 0
ABBOTT LABS COM Stock 002824100 663 5,602 SH   SOLE   5,602 0 0
ABBVIE INC COM Stock 00287Y109 1,215 7,496 SH   SOLE   7,371 0 125
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 944 2,800 SH   SOLE   2,800 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 847 1,858 SH   SOLE   1,858 0 0
AFLAC INC COM Stock 001055102 234 3,638 SH   SOLE   3,638 0 0
AIR PRODS & CHEMS INC COM Stock 009158106 450 1,800 SH   SOLE   1,800 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS ADR 01609W102 524 4,820 SH   SOLE   4,820 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 540 194 SH   SOLE   194 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 506 181 SH   SOLE   181 0 0
ALTRIA GROUP INC COM Stock 02209S103 180 3,452 SH   SOLE   3,452 0 0
AMAZON COM INC COM Stock 023135106 482 148 SH   SOLE   148 0 0
AMERICAN AIRLS GROUP INC COM Stock 02376R102 18 1,000 SH   SOLE   1,000 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 122 1,224 SH   SOLE   1,224 0 0
AMERICAN EXPRESS CO COM Stock 025816109 572 3,057 SH   SOLE   3,057 0 0
AMERIPRISE FINL INC COM Stock 03076C106 44 145 SH   SOLE   145 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105 49 317 SH   SOLE   317 0 0
AMGEN INC COM Stock 031162100 482 1,992 SH   SOLE   1,992 0 0
ANTHEM INC COM Stock 036752103 32 66 SH   SOLE   66 0 0
APA CORPORATION COM Stock 03743Q108 465 11,248 SH   SOLE   11,248 0 0
APPLE INC COM Stock 037833100 7,463 42,740 SH   SOLE   41,340 0 1,400
AT&T INC COM Stock 00206R102 3 116 SH   SOLE   116 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 885 3,888 SH   SOLE   3,888 0 0
BECTON DICKINSON & CO COM Stock 075887109 632 2,375 SH   SOLE   2,375 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 527 1,492 SH   SOLE   1,492 0 0
BIOGEN INC COM Stock 09062X103 193 916 SH   SOLE   916 0 0
BK OF AMERICA CORP COM Stock 060505104 111 2,697 SH   SOLE   2,697 0 0
BLACK KNIGHT INC COM Stock 09215C105 7 122 SH   SOLE   122 0 0
BLACKROCK INC COM Stock 09247X101 290 379 SH   SOLE   379 0 0
BOEING CO COM Stock 097023105 192 1,000 SH   SOLE   1,000 0 0
BOOKING HOLDINGS INC COM Stock 09857L108 761 324 SH   SOLE   324 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 37 500 SH   SOLE   200 0 300
CAPITAL ONE FINL CORP COM Stock 14040H105 58 445 SH   SOLE   445 0 0
CARRIER GLOBAL CORPORATION COM Stock 14448C104 77 1,669 SH   SOLE   1,369 0 300
CATERPILLAR INC COM Stock 149123101 317 1,421 SH   SOLE   1,421 0 0
CDK GLOBAL INC COM Stock 12508E101 24 496 SH   SOLE   496 0 0
CELANESE CORP DEL COM Stock 150870103 20 140 SH   SOLE   140 0 0
CENTENE CORP DEL COM Stock 15135B101 17 200 SH   SOLE   200 0 0
CERNER CORP COM Stock 156782104 3 30 SH   SOLE   30 0 0
CHEVRON CORP NEW COM Stock 166764100 413 2,536 SH   SOLE   2,536 0 0
CHUBB LIMITED COM Stock H1467J104 44 206 SH   SOLE   206 0 0
CISCO SYS INC COM Stock 17275R102 393 7,041 SH   SOLE   6,591 0 450
CITIGROUP INC COM NEW Stock 172967424 41 760 SH   SOLE   760 0 0
COCA COLA CO COM Stock 191216100 189 3,045 SH   SOLE   3,045 0 0
COLGATE PALMOLIVE CO COM Stock 194162103 189 2,486 SH   SOLE   2,486 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 21 308 SH   SOLE   308 0 0
CONOCOPHILLIPS COM Stock 20825C104 545 5,450 SH   SOLE   5,200 0 250
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 3,293 43,390 SH   SOLE   43,390 0 0
CORNING INC COM Stock 219350105 118 3,200 SH   SOLE   3,200 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 98 170 SH   SOLE   170 0 0
CSX CORP COM Stock 126408103 67 1,800 SH   SOLE   1,800 0 0
CVS HEALTH CORP COM Stock 126650100 12 115 SH   SOLE   115 0 0
DANAHER CORPORATION COM Stock 235851102 377 1,285 SH   SOLE   1,000 0 285
DARDEN RESTAURANTS INC COM Stock 237194105 266 2,000 SH   SOLE   2,000 0 0
DEFIANCE NEXT GEN CONNECTIVITY ETF ETF 26922A289 130 3,473 SH   SOLE   3,473 0 0
DEXCOM INC COM Stock 252131107 26 50 SH   SOLE   50 0 0
DISCOVER FINL SVCS COM Stock 254709108 227 2,056 SH   SOLE   2,056 0 0
DISNEY WALT CO COM Stock 254687106 206 1,500 SH   SOLE   1,500 0 0
DOMINION ENERGY INC COM Stock 25746U109 100 1,176 SH   SOLE   1,176 0 0
DOVER CORP COM Stock 260003108 196 1,250 SH   SOLE   1,250 0 0
DOW INC COM Stock 260557103 54 852 SH   SOLE   852 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 41 368 SH   SOLE   368 0 0
EBAY INC. COM Stock 278642103 3 46 SH   SOLE   46 0 0
EDWARDS LIFESCIENCES CORP COM Stock 28176E108 714 6,066 SH   SOLE   6,066 0 0
ENERGY SELECT SECTOR SPDR ETF ETF 81369Y506 432 5,658 SH   SOLE   5,658 0 0
EVERSOURCE ENERGY COM Stock 30040W108 335 3,800 SH   SOLE   3,800 0 0
EXXON MOBIL CORP COM Stock 30231G102 466 5,642 SH   SOLE   5,642 0 0
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303 10 200 SH   SOLE   200 0 0
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 48 479 SH   SOLE   479 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 3,625 94,607 SH   SOLE   94,607 0 0
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104 35 450 SH   SOLE   450 0 0
FIRST TRUST CONSUMER DISCRETIONARY ALPHADEX FUND ETF 33734X101 16 300 SH   SOLE   300 0 0
FORD MTR CO DEL COM Stock 345370860 42 2,500 SH   SOLE   2,500 0 0
GENERAL ELECTRIC CO COM NEW Stock 369604301 4 48 SH   SOLE   48 0 0
GENERAL MLS INC COM Stock 370334104 6 86 SH   SOLE   86 0 0
GENERAL MTRS CO COM Stock 37045V100 44 1,000 SH   SOLE   1,000 0 0
GOLDMAN SACHS ACCESS INVESTMENT GRADE CORPORATE BOND ETF ETF 381430479 15,095 302,922 SH   SOLE   302,922 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 6,533 73,367 SH   SOLE   72,979 0 388
GOLDMAN SACHS GROUP INC COM Stock 38141G104 20 62 SH   SOLE   62 0 0
HARTFORD FINL SVCS GROUP INC COM Stock 416515104 3 42 SH   SOLE   42 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 1,303 9,515 SH   SOLE   9,515 0 0
HOME DEPOT INC COM Stock 437076102 730 2,440 SH   SOLE   2,440 0 0
HONEYWELL INTL INC COM Stock 438516106 606 3,115 SH   SOLE   3,115 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 963 4,600 SH   SOLE   4,600 0 0
ILLUMINA INC COM Stock 452327109 46 133 SH   SOLE   133 0 0
INDONESIA ENERGY CORP LTD ORD SHS Stock G4760X102 38 1,675 SH   SOLE   1,675 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 20 196 SH   SOLE   196 0 0
INTEL CORP COM Stock 458140100 866 17,473 SH   SOLE   17,473 0 0
INVESCO CURRENCYSHARES EURO CURRENCY ETF 46138K103 2,636 25,696 SH   SOLE   25,696 0 0
INVESCO INTERNATIONAL CORPORATE BOND ETF ETF 46138E636 5,453 215,323 SH   SOLE   208,774 0 6,549
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 952 6,037 SH   SOLE   6,015 0 22
IPATH BLOOMBERG COMMODITY INDEX TOTAL RETURN ETN ETF 06738C778 5,370 145,494 SH   SOLE   143,467 0 2,027
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432 106 805 SH   SOLE   805 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 5,418 77,949 SH   SOLE   76,063 0 1,886
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 2,577 46,385 SH   SOLE   43,213 0 3,172
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 2,592 48,544 SH   SOLE   48,544 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 7,317 16,127 SH   SOLE   16,050 0 77
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 649 6,056 SH   SOLE   4,484 0 1,572
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 3,459 8,900 SH   SOLE   8,900 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182 2,819 37,568 SH   SOLE   37,568 0 0
ISHARES MSCI AUSTRALIA ETF ETF 464286103 1,529 57,863 SH   SOLE   57,863 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400 1,695 44,829 SH   SOLE   44,829 0 0
ISHARES MSCI CHINA ETF ETF 46429B671 3,517 66,497 SH   SOLE   66,497 0 0
ISHARES MSCI EAFE ETF ETF 464287465 686 9,326 SH   SOLE   8,725 0 601
ISHARES MSCI EUROPE FINANCIAL SECTOR INDEX FUND ETF 464289180 1,361 71,956 SH   SOLE   71,956 0 0
ISHARES MSCI EUROZONE ETF ETF 464286608 6,571 151,853 SH   SOLE   151,853 0 0
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145 1,597 49,138 SH   SOLE   49,138 0 0
ISHARES MSCI INDIA INDEX FUND ETF 46429B598 1,588 35,625 SH   SOLE   35,625 0 0
ISHARES MSCI INDONESIA ETF ETF 46429B309 1,542 62,284 SH   SOLE   62,284 0 0
ISHARES MSCI JAPAN ETF ETF 46434G822 26 430 SH   SOLE   430 0 0
ISHARES MSCI MEXICO ETF ETF 464286822 1,707 31,054 SH   SOLE   31,054 0 0
ISHARES MSCI SOUTH KOREA ETF ETF 464286772 1,209 16,968 SH   SOLE   16,968 0 0
ISHARES MSCI SWITZERLAND ETF ETF 464286749 14 282 SH   SOLE   282 0 0
ISHARES MSCI UNITED KINGDOM ETF ETF 46435G334 1,522 45,238 SH   SOLE   45,238 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 254 3,275 SH   SOLE   3,275 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 325 2,417 SH   SOLE   2,417 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 2,365 21,574 SH   SOLE   20,670 0 904
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 635 2,287 SH   SOLE   2,287 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 452 2,721 SH   SOLE   2,721 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 971 4,729 SH   SOLE   4,041 0 688
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 811 3,170 SH   SOLE   3,170 0 0
ISHARES RUSSELL MID-CAP ETF ETF 464287499 331 4,244 SH   SOLE   840 0 3,404
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 3,732 37,139 SH   SOLE   37,139 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 408 3,410 SH   SOLE   3,410 0 0
ISHARES S&P MIDCAP FUND ETF 464287507 9,213 34,332 SH   SOLE   34,332 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 59 470 SH   SOLE   470 0 0
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 48 465 SH   SOLE   465 0 0
ISHARES S&P SMALL-CAP FUND ETF 464287804 111 1,030 SH   SOLE   1,030 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 837 8,001 SH   SOLE   8,001 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,610 9,084 SH   SOLE   8,809 0 275
JPMORGAN BETABUILDERS CANADA ETF ETF 46641Q225 1,541 21,977 SH   SOLE   21,670 0 307
JPMORGAN BETABUILDERS JAPAN ETF ETF 46641Q217 3,666 72,253 SH   SOLE   72,253 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 63 459 SH   SOLE   459 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,613 71,877 SH   SOLE   70,695 0 1,182
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ETF 46641Q654 1,427 28,177 SH   SOLE   27,128 0 1,049
KELLOGG CO COM Stock 487836108 1 22 SH   SOLE   22 0 0
KIMBERLY-CLARK CORP COM Stock 494368103 153 1,244 SH   SOLE   1,244 0 0
KRANESHARES CSI CHINA INTERNET ETF ETF 500767306 1,032 36,191 SH   SOLE   36,191 0 0
LILLY ELI & CO COM Stock 532457108 191 666 SH   SOLE   666 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 985 2,231 SH   SOLE   2,231 0 0
LOWES COS INC COM Stock 548661107 1,801 8,905 SH   SOLE   8,905 0 0
MARKEL CORP COM Stock 570535104 407 276 SH   SOLE   70 0 206
MARSH & MCLENNAN COS INC COM Stock 571748102 321 1,881 SH   SOLE   1,881 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 18 50 SH   SOLE   50 0 0
MCDONALDS CORP COM Stock 580135101 1,070 4,329 SH   SOLE   4,329 0 0
MCKESSON CORP COM Stock 58155Q103 35 115 SH   SOLE   115 0 0
MEDTRONIC PLC SHS Stock G5960L103 125 1,125 SH   SOLE   1,125 0 0
MERCADOLIBRE INC COM Stock 58733R102 1,712 1,439 SH   SOLE   1,439 0 0
MERCK & CO INC COM Stock 58933Y105 418 5,098 SH   SOLE   5,098 0 0
META PLATFORMS INC CL A Stock 30303M102 675 3,034 SH   SOLE   3,034 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 78 1,000 SH   SOLE   1,000 0 0
MICROSOFT CORP COM Stock 594918104 2,582 8,375 SH   SOLE   7,675 0 700
MONSTER BEVERAGE CORP NEW COM Stock 61174X109 24 298 SH   SOLE   298 0 0
MORGAN STANLEY COM NEW Stock 617446448 2 26 SH   SOLE   26 0 0
NCR CORP NEW COM Stock 62886E108 1 25 SH   SOLE   25 0 0
NEXTERA ENERGY INC COM Stock 65339F101 379 4,479 SH   SOLE   3,579 0 900
NIKE INC CL B Stock 654106103 36 270 SH   SOLE   270 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 109 383 SH   SOLE   383 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 215 480 SH   SOLE   480 0 0
NVIDIA CORPORATION COM Stock 67066G104 273 1,000 SH   SOLE   1,000 0 0
OCCIDENTAL PETE CORP COM Stock 674599105 6 100 SH   SOLE   100 0 0
OCCIDENTAL PETE CORP WT EXP 080327 Stock 674599162 0 12 SH   SOLE   12 0 0
ORACLE CORP COM Stock 68389X105 199 2,400 SH   SOLE   2,400 0 0
OREILLY AUTOMOTIVE INC COM Stock 67103H107 9 13 SH   SOLE   13 0 0
ORGANON & CO COMMON STOCK Stock 68622V106 16 458 SH   SOLE   458 0 0
OTIS WORLDWIDE CORP COM Stock 68902V107 64 834 SH   SOLE   684 0 150
PEPSICO INC COM Stock 713448108 1,246 7,446 SH   SOLE   7,446 0 0
PFIZER INC COM Stock 717081103 841 16,249 SH   SOLE   16,249 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 105 1,123 SH   SOLE   1,123 0 0
PHILLIPS 66 COM Stock 718546104 216 2,500 SH   SOLE   2,500 0 0
PLUG POWER INC COM NEW Stock 72919P202 29 1,000 SH   SOLE   1,000 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 7 38 SH   SOLE   38 0 0
PPG INDS INC COM Stock 693506107 328 2,500 SH   SOLE   2,500 0 0
PRICE T ROWE GROUP INC COM Stock 74144T108 3 17 SH   SOLE   17 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 1,278 8,364 SH   SOLE   8,014 0 350
PROGRESSIVE CORP COM Stock 743315103 533 4,680 SH   SOLE   4,680 0 0
QUALCOMM INC COM Stock 747525103 21 140 SH   SOLE   140 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 495 5,000 SH   SOLE   5,000 0 0
RIVIAN AUTOMOTIVE INC COM CL A Stock 76954A103 50 1,000 SH   SOLE   1,000 0 0
S&P GLOBAL INC COM Stock 78409V104 9 22 SH   SOLE   22 0 0
SCHLUMBERGER LTD COM STK Stock 806857108 13 315 SH   SOLE   315 0 0
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 47 1,698 SH   SOLE   1,698 0 0
SCHWAB FUNDAMENTAL EMERGING MARKETS LARGE COMPANY INDEX ETF ETF 808524730 11 390 SH   SOLE   390 0 0
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF ETF 808524755 13 416 SH   SOLE   416 0 0
SCHWAB FUNDAMENTAL U.S. LARGE COMPANY INDEX ETF ETF 808524771 14 240 SH   SOLE   240 0 0
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 3 83 SH   SOLE   83 0 0
SCHWAB INTERNATIONAL SMALL-CAP EQUITY ETF ETF 808524888 0 0 SH   SOLE   0 0 0
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 24 446 SH   SOLE   446 0 0
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 8 170 SH   SOLE   170 0 0
SERVICENOW INC COM Stock 81762P102 2,461 4,419 SH   SOLE   4,419 0 0
SHERWIN WILLIAMS CO COM Stock 824348106 1,380 5,529 SH   SOLE   5,529 0 0
SOUTHERN CO COM Stock 842587107 109 1,500 SH   SOLE   1,500 0 0
SPDR PORTFOLIO MSCI GLOBAL STOCK MARKET ETF ETF 78463X475 78 1,417 SH   SOLE   1,417 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 5,270 174,893 SH   SOLE   174,893 0 0
SPDR S&P 500 ETF ETF 78462F103 451 999 SH   SOLE   999 0 0
SPDR S&P OIL & GAS EXPLORATION & PRODUCTION ETF ETF 78468R556 3,731 27,730 SH   SOLE   27,730 0 0
SPLUNK INC COM Stock 848637104 373 2,513 SH   SOLE   2,513 0 0
STARBUCKS CORP COM Stock 855244109 24 261 SH   SOLE   261 0 0
STATE STR CORP COM Stock 857477103 3 30 SH   SOLE   30 0 0
STOCK YDS BANCORP INC COM Stock 861025104 34 643 SH   SOLE   643 0 0
SYSCO CORP COM Stock 871829107 286 3,500 SH   SOLE   3,500 0 0
TARGET CORP COM Stock 87612E106 11 50 SH   SOLE   50 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 1,383 8,701 SH   SOLE   8,701 0 0
TEXAS INSTRS INC COM Stock 882508104 464 2,530 SH   SOLE   2,530 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 541 916 SH   SOLE   916 0 0
TOWNEBANK PORTSMOUTH VA COM Stock 89214P109 15 500 SH   SOLE   500 0 0
TRUIST FINL CORP COM Stock 89832Q109 12 213 SH   SOLE   213 0 0
UDR INC COM REIT 902653104 26 455 SH   SOLE   455 0 0
UNION PAC CORP COM Stock 907818108 403 1,475 SH   SOLE   1,475 0 0
UNITED AIRLS HLDGS INC COM Stock 910047109 46 1,000 SH   SOLE   1,000 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 294 577 SH   SOLE   377 0 200
US BANCORP DEL COM NEW Stock 902973304 13 252 SH   SOLE   252 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 27 364 SH   SOLE   364 0 0
VANECK EMERGING MARKETS HIGH YIELD BOND ETF ETF 92189F353 5,573 276,435 SH   SOLE   276,435 0 0
VANECK J.P. MORGAN EM LOCAL CURRENCY BOND ETF ETF 92189H300 3,438 127,363 SH   SOLE   127,363 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 1,658 10,225 SH   SOLE   10,225 0 0
VANGUARD ESG U.S. STOCK ETF ETF 921910733 83 1,029 SH   SOLE   1,029 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 154 3,199 SH   SOLE   3,199 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 48 1,051 SH   SOLE   365 0 686
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 320 1,535 SH   SOLE   1,535 0 0
VANGUARD MID-CAP INDEX FUND ETF 922908629 194 815 SH   SOLE   815 0 0
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 66 443 SH   SOLE   443 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 63 583 SH   SOLE   583 0 0
VANGUARD RUSSELL 2000 ETF ETF 92206C664 3,385 40,856 SH   SOLE   40,856 0 0
VANGUARD S&P 500 ETF ETF 922908363 263 634 SH   SOLE   634 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 18 104 SH   SOLE   104 0 0
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 80 1,549 SH   SOLE   0 0 1,549
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 4,867 21,378 SH   SOLE   21,378 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 20 196 SH   SOLE   196 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 270 5,300 SH   SOLE   5,300 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 1,002 3,839 SH   SOLE   3,839 0 0
VIATRIS INC COM Stock 92556V106 1 124 SH   SOLE   124 0 0
VISA INC COM CL A Stock 92826C839 903 4,072 SH   SOLE   4,072 0 0
WABTEC COM Stock 929740108 0 2 SH   SOLE   2 0 0
WALMART INC COM Stock 931142103 204 1,372 SH   SOLE   1,372 0 0
WELLS FARGO CO NEW COM Stock 949746101 125 2,572 SH   SOLE   2,572 0 0
X-TRACKERS HARVEST CSI 300 CHINA A-SHARES ETF ETF 233051879 2,426 73,311 SH   SOLE   73,311 0 0
ZOETIS INC CL A Stock 98978V103 81 432 SH   SOLE   432 0 0