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 88579Y101 613 3,493 SH   SOLE 0 0 0 3,493
ABBOTT LABS COM 002824100 584 6,080 SH   SOLE 0 0 0 6,080
ABBVIE INC COM 00287Y109 3,209 29,746 SH   SOLE 0 0 0 29,746
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,010 3,158 SH   SOLE 0 0 0 3,158
ALLSTATE CORP COM 020002101 1,510 11,860 SH   SOLE 0 0 0 11,860
ALTRIA GROUP INC COM 02209S103 1,192 26,192 SH   SOLE 0 0 0 26,192
AMAZON COM INC COM 023135106 499 152 SH   SOLE 0 0 0 152
AMC NETWORKS INC CL A 00164V103 226 4,861 SH   SOLE 0 0 0 4,861
AMDOCS LTD SHS G02602103 1,370 18,094 SH   SOLE 0 0 0 18,094
AMGEN INC COM 031162100 1,580 7,431 SH   SOLE 0 0 0 7,431
APPLE INC COM 037833100 1,110 7,847 SH   SOLE 0 0 0 7,847
APPLIED MATLS INC COM 038222105 252 1,961 SH   SOLE 0 0 0 1,961
AT&T INC COM 00206R102 1,162 43,032 SH   SOLE 0 0 0 43,032
ATLAS AIR WORLDWIDE HLDGS IN COM NEW 049164205 324 3,966 SH   SOLE 0 0 0 3,966
AVIS BUDGET GROUP COM 053774105 569 4,880 SH   SOLE 0 0 0 4,880
BAUSCH HEALTH COS INC COM 071734107 323 11,602 SH   SOLE 0 0 0 11,602
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 302 1,106 SH   SOLE 0 0 0 1,106
BHP GROUP LTD SPONSORED ADS 088606108 1,127 21,063 SH   SOLE 0 0 0 21,063
BK OF AMERICA CORP COM 060505104 282 6,637 SH   SOLE 0 0 0 6,637
BLOCK H & R INC COM 093671105 2,351 94,025 SH   SOLE 0 0 0 94,025
BOEING CO COM 097023105 219 994 SH   SOLE 0 0 0 994
BOISE CASCADE CO DEL COM 09739D100 507 9,397 SH   SOLE 0 0 0 9,397
BRISTOL-MYERS SQUIBB CO COM 110122108 739 12,487 SH   SOLE 0 0 0 12,487
BROADCOM INC COM 11135F101 2,756 5,684 SH   SOLE 0 0 0 5,684
CABOT OIL & GAS CORP COM 127097103 242 11,121 SH   SOLE 0 0 0 11,121
CALERES INC COM 129500104 380 17,085 SH   SOLE 0 0 0 17,085
CALLON PETE CO DEL COM 13123X508 335 6,835 SH   SOLE 0 0 0 6,835
CATERPILLAR INC COM 149123101 394 2,050 SH   SOLE 0 0 0 2,050
CISCO SYS INC COM 17275R102 846 15,539 SH   SOLE 0 0 0 15,539
CLOROX CO DEL COM 189054109 568 3,430 SH   SOLE 0 0 0 3,430
COLGATE PALMOLIVE CO COM 194162103 718 9,495 SH   SOLE 0 0 0 9,495
COMCAST CORP NEW CL A 20030N101 250 4,472 SH   SOLE 0 0 0 4,472
COMMUNITY HEALTH SYS INC NEW COM 203668108 200 17,085 SH   SOLE 0 0 0 17,085
CONOCOPHILLIPS COM 20825C104 299 4,410 SH   SOLE 0 0 0 4,410
CONTINENTAL RES INC COM 212015101 429 9,291 SH   SOLE 0 0 0 9,291
CORNERSTONE BLDG BRANDS INC COM 21925D109 174 11,898 SH   SOLE 0 0 0 11,898
CUSTOMERS BANCORP INC COM 23204G100 609 14,146 SH   SOLE 0 0 0 14,146
DATADOG INC CL A COM 23804L103 466 3,298 SH   SOLE 0 0 0 3,298
DEERE & CO COM 244199105 222 664 SH   SOLE 0 0 0 664
DELTA AIR LINES INC DEL COM NEW 247361702 200 4,695 SH   SOLE 0 0 0 4,695
DEVON ENERGY CORP NEW COM 25179M103 1,854 52,201 SH   SOLE 0 0 0 52,201
DILLARDS INC CL A 254067101 341 1,975 SH   SOLE 0 0 0 1,975
DISNEY WALT CO COM 254687106 313 1,848 SH   SOLE 0 0 0 1,848
EMERSON ELEC CO COM 291011104 606 6,438 SH   SOLE 0 0 0 6,438
EMPLOYERS HLDGS INC COM 292218104 1,304 33,016 SH   SOLE 0 0 0 33,016
ENCORE WIRE CORP COM 292562105 519 5,470 SH   SOLE 0 0 0 5,470
ENDO INTL PLC SHS G30401106 169 52,049 SH   SOLE 0 0 0 52,049
ENOVA INTL INC COM 29357K103 300 8,680 SH   SOLE 0 0 0 8,680
FMC CORP COM NEW 302491303 1,090 11,907 SH   SOLE 0 0 0 11,907
FORD MTR CO DEL COM 345370860 175 12,390 SH   SOLE 0 0 0 12,390
FORTINET INC COM 34959E109 1,569 5,373 SH   SOLE 0 0 0 5,373
FREEPORT-MCMORAN INC CL B 35671D857 239 7,333 SH   SOLE 0 0 0 7,333
GARTNER INC COM 366651107 1,236 4,066 SH   SOLE 0 0 0 4,066
GENERAL MLS INC COM 370334104 454 7,588 SH   SOLE 0 0 0 7,588
GENERAL MTRS CO COM 37045V100 534 10,130 SH   SOLE 0 0 0 10,130
GILEAD SCIENCES INC COM 375558103 1,041 14,908 SH   SOLE 0 0 0 14,908
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 439 11,482 SH   SOLE 0 0 0 11,482
GROUP 1 AUTOMOTIVE INC COM 398905109 860 4,577 SH   SOLE 0 0 0 4,577
HCA HEALTHCARE INC COM 40412C101 940 3,871 SH   SOLE 0 0 0 3,871
HOME DEPOT INC COM 437076102 1,820 5,543 SH   SOLE 0 0 0 5,543
HORMEL FOODS CORP COM 440452100 1,141 27,818 SH   SOLE 0 0 0 27,818
HP INC COM 40434L105 766 27,995 SH   SOLE 0 0 0 27,995
INFOSYS LTD SPONSORED ADR 456788108 729 32,762 SH   SOLE 0 0 0 32,762
INGLES MKTS INC CL A 457030104 515 7,799 SH   SOLE 0 0 0 7,799
INTEL CORP COM 458140100 608 11,407 SH   SOLE 0 0 0 11,407
INTERNATIONAL BUSINESS MACHS COM 459200101 856 6,164 SH   SOLE 0 0 0 6,164
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 1,260 38,273 SH   SOLE 0 0 0 38,273
INVESCO MORTGAGE CAPITAL INC COM 46131B100 178 56,554 SH   SOLE 0 0 0 56,554
ISHARES INC CORE MSCI EMKT 46434G103 484 7,833 SH   SOLE 0 0 0 7,833
ISHARES TR CORE TOTAL USD 46434V613 535 10,052 SH   SOLE 0 0 0 10,052
ISHARES TR CORE S&P SCP ETF 464287804 811 7,429 SH   SOLE 0 0 0 7,429
ISHARES TR US TREAS BD ETF 46429B267 1,391 52,437 SH   SOLE 0 0 0 52,437
ISHARES TR JPMORGAN USD EMG 464288281 886 8,052 SH   SOLE 0 0 0 8,052
ISHARES TR NATIONAL MUN ETF 464288414 314 2,707 SH   SOLE 0 0 0 2,707
ISHARES TR CORE S&P TTL STK 464287150 369 3,748 SH   SOLE 0 0 0 3,748
ISHARES TR CORE US AGGBD ET 464287226 2,974 25,902 SH   SOLE 0 0 0 25,902
ISHARES TR RUS 1000 ETF 464287622 235 974 SH   SOLE 0 0 0 974
ISHARES TR CORE MSCI EAFE 46432F842 2,020 27,206 SH   SOLE 0 0 0 27,206
ISHARES TR CORE S&P MCP ETF 464287507 1,515 5,757 SH   SOLE 0 0 0 5,757
ISHARES TR RUS 1000 GRW ETF 464287614 222 809 SH   SOLE 0 0 0 809
ISHARES TR MBS ETF 464288588 2,368 21,899 SH   SOLE 0 0 0 21,899
ISHARES TR FALN ANGLS USD 46435G474 843 27,993 SH   SOLE 0 0 0 27,993
ISHARES TR BROAD USD HIGH 46435U853 563 13,555 SH   SOLE 0 0 0 13,555
ISHARES TR CRE U S REIT ETF 464288521 802 13,678 SH   SOLE 0 0 0 13,678
ISHARES TR CORE S&P500 ETF 464287200 2,817 6,538 SH   SOLE 0 0 0 6,538
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 211 5,893 SH   SOLE 0 0 0 5,893
JOHNSON & JOHNSON COM 478160104 571 3,538 SH   SOLE 0 0 0 3,538
KELLOGG CO COM 487836108 443 6,924 SH   SOLE 0 0 0 6,924
KIMBERLY-CLARK CORP COM 494368103 600 4,534 SH   SOLE 0 0 0 4,534
KLA CORP COM NEW 482480100 225 672 SH   SOLE 0 0 0 672
LAM RESEARCH CORP COM 512807108 260 456 SH   SOLE 0 0 0 456
LANCASTER COLONY CORP COM 513847103 1,176 6,965 SH   SOLE 0 0 0 6,965
LAREDO PETROLEUM INC COM 516806205 547 6,749 SH   SOLE 0 0 0 6,749
LAUDER ESTEE COS INC CL A 518439104 229 764 SH   SOLE 0 0 0 764
LILLY ELI & CO COM 532457108 1,115 4,827 SH   SOLE 0 0 0 4,827
LOCKHEED MARTIN CORP COM 539830109 424 1,228 SH   SOLE 0 0 0 1,228
LOUISIANA PAC CORP COM 546347105 808 13,173 SH   SOLE 0 0 0 13,173
LOWES COS INC COM 548661107 1,092 5,384 SH   SOLE 0 0 0 5,384
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 776 8,264 SH   SOLE 0 0 0 8,264
M/I HOMES INC COM 55305B101 424 7,343 SH   SOLE 0 0 0 7,343
MARRIOTT INTL INC NEW CL A 571903202 970 6,551 SH   SOLE 0 0 0 6,551
MASTERCARD INCORPORATED CL A 57636Q104 413 1,188 SH   SOLE 0 0 0 1,188
MCDONALDS CORP COM 580135101 1,002 4,154 SH   SOLE 0 0 0 4,154
MCKESSON CORP COM 58155Q103 251 1,261 SH   SOLE 0 0 0 1,261
MEDIFAST INC COM 58470H101 1,395 7,244 SH   SOLE 0 0 0 7,244
MERCADOLIBRE INC COM 58733R102 262 156 SH   SOLE 0 0 0 156
MERCK & CO INC COM 58933Y105 1,288 17,152 SH   SOLE 0 0 0 17,152
META FINL GROUP INC COM 59100U108 282 5,377 SH   SOLE 0 0 0 5,377
MICROSOFT CORP COM 594918104 1,406 4,989 SH   SOLE 0 0 0 4,989
MODERNA INC COM 60770K107 1,390 3,612 SH   SOLE 0 0 0 3,612
MOODYS CORP COM 615369105 841 2,368 SH   SOLE 0 0 0 2,368
MOTOROLA SOLUTIONS INC COM NEW 620076307 204 876 SH   SOLE 0 0 0 876
NATIONAL BK HLDGS CORP CL A 633707104 1,572 38,837 SH   SOLE 0 0 0 38,837
NAVIENT CORPORATION COM 63938C108 305 15,479 SH   SOLE 0 0 0 15,479
NETAPP INC COM 64110D104 1,079 12,020 SH   SOLE 0 0 0 12,020
NIKE INC CL B 654106103 1,475 10,158 SH   SOLE 0 0 0 10,158
NORTHERN LTS FD TR IV INSPIRE CORP 66538H633 214 8,173 SH   SOLE 0 0 0 8,173
NORTHERN OIL AND GAS INC MN COM 665531307 389 18,165 SH   SOLE 0 0 0 18,165
NOVO-NORDISK A S ADR 670100205 2,395 24,945 SH   SOLE 0 0 0 24,945
NUCOR CORP COM 670346105 1,418 14,394 SH   SOLE 0 0 0 14,394
NVIDIA CORPORATION COM 67066G104 453 2,186 SH   SOLE 0 0 0 2,186
OLIN CORP COM PAR $1 680665205 267 5,537 SH   SOLE 0 0 0 5,537
ONE GAS INC COM 68235P108 1,011 15,948 SH   SOLE 0 0 0 15,948
ONEMAIN HLDGS INC COM 68268W103 1,546 27,933 SH   SOLE 0 0 0 27,933
ORACLE CORP COM 68389X105 341 3,917 SH   SOLE 0 0 0 3,917
PAYCHEX INC COM 704326107 787 7,003 SH   SOLE 0 0 0 7,003
PFIZER INC COM 717081103 1,484 34,508 SH   SOLE 0 0 0 34,508
PHILIP MORRIS INTL INC COM 718172109 1,267 13,364 SH   SOLE 0 0 0 13,364
PREMIER INC CL A 74051N102 1,600 41,275 SH   SOLE 0 0 0 41,275
PROCTER AND GAMBLE CO COM 742718109 208 1,486 SH   SOLE 0 0 0 1,486
PURE STORAGE INC CL A 74624M102 407 16,195 SH   SOLE 0 0 0 16,195
QUALCOMM INC COM 747525103 1,501 11,635 SH   SOLE 0 0 0 11,635
QURATE RETAIL INC COM SER A 74915M100 172 16,883 SH   SOLE 0 0 0 16,883
REGENERON PHARMACEUTICALS COM 75886F107 255 421 SH   SOLE 0 0 0 421
RENT A CTR INC NEW COM 76009N100 1,317 23,422 SH   SOLE 0 0 0 23,422
S&P GLOBAL INC COM 78409V104 255 600 SH   SOLE 0 0 0 600
SANTANDER CONSUMER USA HLDGS COM 80283M101 506 12,146 SH   SOLE 0 0 0 12,146
SCHWAB STRATEGIC TR 1 5YR CORP BD 808524714 1,156 22,638 SH   SOLE 0 0 0 22,638
SCHWAB STRATEGIC TR US TIPS ETF 808524870 297 4,749 SH   SOLE 0 0 0 4,749
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 493 8,700 SH   SOLE 0 0 0 8,700
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 1,047 12,688 SH   SOLE 0 0 0 12,688
SMITH & WESSON BRANDS INC COM 831754106 252 12,143 SH   SOLE 0 0 0 12,143
SPDR GOLD TR GOLD SHS 78463V107 213 1,300 SH   SOLE 0 0 0 1,300
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 364 8,560 SH   SOLE 0 0 0 8,560
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 1,560 43,079 SH   SOLE 0 0 0 43,079
SPDR SER TR PORTFOLIO S&P600 78468R853 798 18,726 SH   SOLE 0 0 0 18,726
SPDR SER TR PORTFOLIO S&P400 78464A847 1,584 34,310 SH   SOLE 0 0 0 34,310
SPDR SER TR PORTFOLIO S&P500 78464A854 2,871 56,888 SH   SOLE 0 0 0 56,888
STEEL DYNAMICS INC COM 858119100 466 7,961 SH   SOLE 0 0 0 7,961
STRATEGIC ED INC COM 86272C103 1,192 16,911 SH   SOLE 0 0 0 16,911
TANDEM DIABETES CARE INC COM NEW 875372203 496 4,154 SH   SOLE 0 0 0 4,154
TENET HEALTHCARE CORP COM NEW 88033G407 305 4,592 SH   SOLE 0 0 0 4,592
TENNECO INC CL A VTG COM STK 880349105 226 15,835 SH   SOLE 0 0 0 15,835
TESLA INC COM 88160R101 3,159 4,074 SH   SOLE 0 0 0 4,074
TEXAS INSTRS INC COM 882508104 2,043 10,629 SH   SOLE 0 0 0 10,629
THERATECHNOLOGIES INC COM 88338H100 53 14,200 SH   SOLE 0 0 0 14,200
ULTA BEAUTY INC COM 90384S303 838 2,322 SH   SOLE 0 0 0 2,322
UNILEVER PLC SPON ADR NEW 904767704 578 10,654 SH   SOLE 0 0 0 10,654
UNITED PARCEL SERVICE INC CL B 911312106 843 4,629 SH   SOLE 0 0 0 4,629
UNITED RENTALS INC COM 911363109 277 788 SH   SOLE 0 0 0 788
UNITED STATES STL CORP NEW COM 912909108 421 19,148 SH   SOLE 0 0 0 19,148
UNITEDHEALTH GROUP INC COM 91324P102 333 853 SH   SOLE 0 0 0 853
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,035 10,172 SH   SOLE 0 0 0 10,172
VERITIV CORP COM 923454102 622 6,942 SH   SOLE 0 0 0 6,942
VERIZON COMMUNICATIONS INC COM 92343V104 1,573 29,129 SH   SOLE 0 0 0 29,129
VIRTU FINL INC CL A 928254101 1,260 51,559 SH   SOLE 0 0 0 51,559
VISTA OUTDOOR INC COM 928377100 579 14,369 SH   SOLE 0 0 0 14,369