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 1,167 6,677 SH   SOLE   6,677 0 0
ABBOTT LABS COM 002824100 1,029 9,400 SH   SOLE   9,400 0 0
ABBVIE INC COM 00287Y109 848 7,911 SH   SOLE   7,911 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 2,405 9,208 SH   SOLE   9,208 0 0
ALPHABET INC CAP STK CL C 02079K107 2,304 1,315 SH   SOLE   1,315 0 0
ALPHABET INC CAP STK CL A 02079K305 519 296 SH   SOLE   296 0 0
AMAZON COM INC COM 023135106 2,114 649 SH   SOLE   649 0 0
AMERICAN EXPRESS CO COM 025816109 1,342 11,098 SH   SOLE   11,098 0 0
AMERICAN FINL GROUP INC OHIO COM 025932104 362 4,134 SH   SOLE   4,134 0 0
AMGEN INC COM 031162100 1,600 6,960 SH   SOLE   6,960 0 0
AMPHENOL CORP NEW CL A 032095101 393 3,001 SH   SOLE   3,001 0 0
ANALOG DEVICES INC COM 032654105 1,861 12,599 SH   SOLE   12,599 0 0
APPLE INC COM 037833100 4,636 34,938 SH   SOLE   34,938 0 0
ARCH CAP GROUP LTD ORD G0450A105 370 10,262 SH   SOLE   10,262 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,893 10,689 SH   SOLE   10,689 0 0
AUTOZONE INC COM 053332102 1,226 1,034 SH   SOLE   1,034 0 0
AXALTA COATING SYS LTD COM G0750C108 330 11,558 SH   SOLE   11,558 0 0
BECTON DICKINSON & CO COM 075887109 1,493 5,966 SH   SOLE   5,966 0 0
BERKLEY W R CORP COM 084423102 327 4,929 SH   SOLE   4,929 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,805 12,097 SH   SOLE   12,097 0 0
BIOGEN INC COM 09062X103 774 3,160 SH   SOLE   3,160 0 0
BOEING CO COM 097023105 587 2,743 SH   SOLE   2,743 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 271 3,113 SH   SOLE   3,113 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,459 23,341 SH   SOLE   23,341 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 456 11,052 SH   SOLE   11,052 0 0
BROWN & BROWN INC COM 115236101 428 9,035 SH   SOLE   9,035 0 0
BROWN FORMAN CORP CL B 115637209 243 3,047 SH   SOLE   3,047 0 0
CARMAX INC COM 143130102 349 3,693 SH   SOLE   3,693 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 218 5,750 SH   SOLE   5,750 0 0
CDW CORP COM 12514G108 440 3,338 SH   SOLE   3,338 0 0
CHEVRON CORP NEW COM 166764100 1,480 17,525 SH   SOLE   17,525 0 0
CISCO SYS INC COM 17275R102 1,672 37,358 SH   SOLE   37,358 0 0
CITRIX SYS INC COM 177376100 326 2,505 SH   SOLE   2,505 0 0
COPART INC COM 217204106 586 4,609 SH   SOLE   4,609 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,557 4,133 SH   SOLE   4,133 0 0
CVS HEALTH CORP COM 126650100 2,113 30,938 SH   SOLE   30,938 0 0
DANAHER CORPORATION COM 235851102 2,080 9,356 SH   SOLE   9,356 0 0
DEVON ENERGY CORP NEW COM 25179M103 352 22,241 SH   SOLE   22,241 0 0
DISNEY WALT CO COM 254687106 2,342 12,927 SH   SOLE   12,927 0 0
DOCUSIGN INC COM 256163106 2,512 11,301 SH   SOLE   11,301 0 0
DOLLAR GEN CORP NEW COM 256677105 2,035 9,675 SH   SOLE   9,675 0 0
DOLLAR TREE INC COM 256746108 421 3,900 SH   SOLE   3,900 0 0
EASTMAN CHEM CO COM 277432100 264 2,615 SH   SOLE   2,615 0 0
EBAY INC. COM 278642103 1,714 34,105 SH   SOLE   34,105 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 562 6,165 SH   SOLE   6,165 0 0
ELANCO ANIMAL HEALTH INC COM 28414H103 302 9,835 SH   SOLE   9,835 0 0
ELECTRONIC ARTS INC COM 285512109 1,144 7,966 SH   SOLE   7,966 0 0
EQT CORP COM 26884L109 210 16,560 SH   SOLE   16,560 0 0
ETF SER SOLUTIONS DISTILLATE US 26922A321 18,339 504,940 SH   SOLE   504,940 0 0
EXACT SCIENCES CORP COM 30063P105 456 3,445 SH   SOLE   3,445 0 0
EXELIXIS INC COM 30161Q104 200 9,969 SH   SOLE   9,969 0 0
EXELON CORP COM 30161N101 201 4,754 SH   SOLE   4,754 0 0
EXPEDITORS INTL WASH INC COM 302130109 367 3,855 SH   SOLE   3,855 0 0
EXXON MOBIL CORP COM 30231G102 847 20,540 SH   SOLE   20,540 0 0
FASTENAL CO COM 311900104 439 8,985 SH   SOLE   8,985 0 0
FLOOR & DECOR HLDGS INC CL A 339750101 349 3,759 SH   SOLE   3,759 0 0
GARTNER INC COM 366651107 241 1,506 SH   SOLE   1,506 0 0
GLACIER BANCORP INC NEW COM 37637Q105 328 7,119 SH   SOLE   7,119 0 0
HOME DEPOT INC COM 437076102 1,151 4,335 SH   SOLE   4,335 0 0
IHS MARKIT LTD SHS G47567105 441 4,911 SH   SOLE   4,911 0 0
INTEL CORP COM 458140100 1,587 31,847 SH   SOLE   31,847 0 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698 2,795 44,872 SH   SOLE   44,872 0 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 375 4,628 SH   SOLE   4,628 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 1,578 22,188 SH   SOLE   22,188 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 212 4,989 SH   SOLE   4,989 0 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308 2,723 37,130 SH   SOLE   37,130 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 3,642 27,345 SH   SOLE   27,345 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 857 5,680 SH   SOLE   5,680 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,399 4,460 SH   SOLE   4,460 0 0
ISHARES GOLD TRUST ISHARES 464285105 8,164 450,285 SH   SOLE   450,285 0 0
ISHARES INC MSCI PAC JP ETF 464286665 527 11,000 SH   SOLE   11,000 0 0
ISHARES INC CORE MSCI EMKT 46434G103 7,748 124,890 SH   SOLE   124,890 0 0
ISHARES TR SELECT DIVID ETF 464287168 673 7,000 SH   SOLE   7,000 0 0
ISHARES TR MSCI USA ESG SLC 464288802 749 9,095 SH   SOLE   9,095 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 787 15,230 SH   SOLE   15,230 0 0
ISHARES TR MSCI EAFE ETF 464287465 854 11,709 SH   SOLE   11,709 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 302 11,513 SH   SOLE   11,513 0 0
ISHARES TR ESG AWRE 1 5 YR 46435G243 373 14,249 SH   SOLE   14,249 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,887 215,471 SH   SOLE   215,471 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,064 4,411 SH   SOLE   4,411 0 0
ISHARES TR CORE S&P SCP ETF 464287804 14,985 163,058 SH   SOLE   163,058 0 0
ISHARES TR CORE S&P MCP ETF 464287507 22,327 97,148 SH   SOLE   97,148 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 397 15,527 SH   SOLE   15,527 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,802 15,373 SH   SOLE   15,373 0 0
ISHARES TR MRNING SM CP ETF 464288703 331 2,346 SH   SOLE   2,346 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 444 3,244 SH   SOLE   3,244 0 0
ISHARES TR CORE S&P500 ETF 464287200 31,633 84,266 SH   SOLE   84,266 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,024 20,147 SH   SOLE   20,147 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 685 13,426 SH   SOLE   13,426 0 0
JOHNSON & JOHNSON COM 478160104 2,225 14,136 SH   SOLE   14,136 0 0
JPMORGAN CHASE & CO COM 46625H100 2,436 19,170 SH   SOLE   19,170 0 0
KEMPER CORP COM 488401100 241 3,133 SH   SOLE   3,133 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 396 3,000 SH   SOLE   3,000 0 0
KROGER CO COM 501044101 1,336 42,078 SH   SOLE   42,078 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 417 2,048 SH   SOLE   2,048 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 499 3,153 SH   SOLE   3,153 0 0
LILLY ELI & CO COM 532457108 349 2,070 SH   SOLE   2,070 0 0
LINDE PLC SHS G5494J103 352 1,334 SH   SOLE   1,334 0 0
LOWES COS INC COM 548661107 1,437 8,952 SH   SOLE   8,952 0 0
M & T BK CORP COM 55261F104 202 1,587 SH   SOLE   1,587 0 0
MARKEL CORP COM 570535104 431 417 SH   SOLE   417 0 0
MCDONALDS CORP COM 580135101 1,657 7,721 SH   SOLE   7,721 0 0
MCKESSON CORP COM 58155Q103 1,724 9,892 SH   SOLE   9,892 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 351 2,544 SH   SOLE   2,544 0 0
MICROSOFT CORP COM 594918104 3,818 17,167 SH   SOLE   17,167 0 0
NIKE INC CL B 654106103 538 3,804 SH   SOLE   3,804 0 0
NORTHERN TR CORP COM 665859104 1,429 15,226 SH   SOLE   15,226 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 250 6,518 SH   SOLE   6,518 0 0
OMNICOM GROUP INC COM 681919106 258 4,098 SH   SOLE   4,098 0 0
ORACLE CORP COM 68389X105 1,825 28,210 SH   SOLE   28,210 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 382 843 SH   SOLE   843 0 0
PALO ALTO NETWORKS INC COM 697435105 467 1,315 SH   SOLE   1,315 0 0
PAYPAL HLDGS INC COM 70450Y103 2,146 9,164 SH   SOLE   9,164 0 0
PEPSICO INC COM 713448108 1,760 11,787 SH   SOLE   11,787 0 0
PFIZER INC COM 717081103 2,253 61,196 SH   SOLE   61,196 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,908 12,808 SH   SOLE   12,808 0 0
PROCTER AND GAMBLE CO COM 742718109 1,394 10,022 SH   SOLE   10,022 0 0
PROGRESSIVE CORP COM 743315103 2,502 25,303 SH   SOLE   25,303 0 0
QORVO INC COM 74736K101 305 1,836 SH   SOLE   1,836 0 0
QUALCOMM INC COM 747525103 2,707 17,770 SH   SOLE   17,770 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 415 5,808 SH   SOLE   5,808 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 264 16,211 SH   SOLE   16,211 0 0
REINSURANCE GRP OF AMERICA I COM NEW 759351604 386 3,331 SH   SOLE   3,331 0 0
RLI CORP COM 749607107 318 3,054 SH   SOLE   3,054 0 0
ROSS STORES INC COM 778296103 388 3,161 SH   SOLE   3,161 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 15,140 517,090 SH   SOLE   517,090 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 23,918 528,104 SH   SOLE   528,104 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 7,498 265,306 SH   SOLE   265,306 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 12,732 296,294 SH   SOLE   296,294 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 11,849 203,516 SH   SOLE   203,516 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 4,135 66,613 SH   SOLE   66,613 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 627 10,000 SH   SOLE   10,000 0 0
SHOPIFY INC CL A 82509L107 254 224 SH   SOLE   224 0 0
SMITH A O CORP COM 831865209 384 7,000 SH   SOLE   7,000 0 0
SMUCKER J M CO COM NEW 832696405 1,299 11,233 SH   SOLE   11,233 0 0
SONY CORP SPONSORED ADR 835699307 508 5,027 SH   SOLE   5,027 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,011 3,300 SH   SOLE   3,300 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,971 15,904 SH   SOLE   15,904 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,543 8,408 SH   SOLE   8,408 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 502 9,080 SH   SOLE   9,080 0 0
SPDR SER TR S&P DIVID ETF 78464A763 327 3,085 SH   SOLE   3,085 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,710 40,941 SH   SOLE   40,941 0 0
SPDR SER TR S&P BK ETF 78464A797 233 5,564 SH   SOLE   5,564 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474 384 12,215 SH   SOLE   12,215 0 0
STARBUCKS CORP COM 855244109 1,308 12,223 SH   SOLE   12,223 0 0
STRYKER CORPORATION COM 863667101 1,629 6,629 SH   SOLE   6,629 0 0
TAL EDUCATION GROUP SPONSORED ADS 874080104 215 3,000 SH   SOLE   3,000 0 0
TE CONNECTIVITY LTD REG SHS H84989104 309 2,555 SH   SOLE   2,555 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 599 1,285 SH   SOLE   1,285 0 0
TRIMTABS ETF TR US FREE CASH FLW 89628W302 11,536 248,068 SH   SOLE   248,068 0 0
TRUIST FINL CORP COM 89832Q109 1,656 34,558 SH   SOLE   34,558 0 0
ULTA BEAUTY INC COM 90384S303 268 935 SH   SOLE   935 0 0
UNIVERSAL HLTH SVCS INC CL B 913903100 259 1,887 SH   SOLE   1,887 0 0
US BANCORP DEL COM NEW 902973304 694 14,764 SH   SOLE   14,764 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,708 4,969 SH   SOLE   4,969 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,145 16,158 SH   SOLE   16,158 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,097 18,791 SH   SOLE   18,791 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,416 28,034 SH   SOLE   28,034 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,943 53,320 SH   SOLE   53,320 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 23,152 278,097 SH   SOLE   278,097 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 22,780 161,363 SH   SOLE   161,363 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 708 15,000 SH   SOLE   15,000 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 512 5,600 SH   SOLE   5,600 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 225 3,794 SH   SOLE   3,794 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 892 17,207 SH   SOLE   17,207 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,347 22,935 SH   SOLE   22,935 0 0
VISA INC COM CL A 92826C839 2,200 10,058 SH   SOLE   10,058 0 0
XILINX INC COM 983919101 1,805 12,735 SH   SOLE   12,735 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 384 1,000 SH   SOLE   1,000 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 241 1,562 SH   SOLE   1,562 0 0
ZOETIS INC CL A 98978V103 346 2,089 SH   SOLE   2,089 0 0