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
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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
AMAZON COM INC COM Stock 023135106 694 213 SH   SOLE 0 37 0 176
INVESCO QQQ TRUST ETF 46090E103 370 1,020 SH   SOLE 0 564 0 456
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 3,020 19,002 SH   SOLE 0 102 0 18,900
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 21,052 757,534 SH   SOLE 0 19,406 0 738,128
DOLLAR GEN CORP NEW COM Stock 256677105 225 1,010 SH   SOLE 0 1,000 0 10
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788 26,004 591,672 SH   SOLE 0 21,106 0 570,566
JOHNSON & JOHNSON COM Stock 478160104 616 3,475 SH   SOLE 0 1,809 0 1,666
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 466 2,045 SH   SOLE 0 0 0 2,045
VANGUARD ENERGY INDEX FUND ETF 92204A306 445 4,157 SH   SOLE 0 2,150 0 2,007
COSTCO WHSL CORP NEW COM Stock 22160K105 374 649 SH   SOLE 0 308 0 341
ISHARES MSCI EMERGING MARKETS ETF ETF 464287234 1,341 29,705 SH   SOLE 0 0 0 29,705
COCA COLA CO COM Stock 191216100 1,405 22,664 SH   SOLE 0 4,654 0 18,010
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109 234 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796 936 22,885 SH   SOLE 0 0 0 22,885
TRUIST FINL CORP COM Stock 89832Q109 321 5,662 SH   SOLE 0 3,795 0 1,867
INVESCO BULLETSHARES 2025 CORPORATE BOND ETF ETF 46138J825 3,369 161,102 SH   SOLE 0 4,176 0 156,926
UNITED PARCEL SERVICE INC CL B Stock 911312106 213 994 SH   SOLE 0 110 0 884
INTEL CORP COM Stock 458140100 573 11,570 SH   SOLE 0 2,499 0 9,071
MEDTRONIC PLC SHS Stock G5960L103 321 2,894 SH   SOLE 0 2,000 0 894
CLOROX CO DEL COM Stock 189054109 215 1,544 SH   SOLE 0 1,350 0 194
MERCK & CO INC COM Stock 58933Y105 845 10,294 SH   SOLE 0 595 0 9,699
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 10,799 103,243 SH   SOLE 0 1,225 0 102,018
SPDR S&P 500 ETF ETF 78462F103 1,111 2,460 SH   SOLE 0 1,480 0 980
VERIZON COMMUNICATIONS INC COM Stock 92343V104 579 11,375 SH   SOLE 0 2,930 0 8,445
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP INDEX FUND ETF 922042718 427 3,443 SH   SOLE 0 0 0 3,443
PEPSICO INC COM Stock 713448108 576 3,444 SH   SOLE 0 1,801 0 1,643
KIMBERLY-CLARK CORP COM Stock 494368103 251 2,042 SH   SOLE 0 2,031 0 11
HOME DEPOT INC COM Stock 437076102 471 1,573 SH   SOLE 0 1,360 0 213
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 1,042 7,606 SH   SOLE 0 125 0 7,481
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 255 920 SH   SOLE 0 0 0 920
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805 431 11,738 SH   SOLE 0 1,760 0 9,978
SCHWAB U.S. LARGE-CAP ETF ETF 808524201 218 4,050 SH   SOLE 0 144 0 3,906
EVOQUA WATER TECHNOLOGIES CORP COM Stock 30057T105 234 4,985 SH   SOLE 0 4,985 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 341 6,790 SH   SOLE 0 0 0 6,790
ISHARES S&P SMALL-CAP FUND ETF 464287804 384 3,555 SH   SOLE 0 0 0 3,555
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 531 1,505 SH   SOLE 0 320 0 1,185
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706 48,554 1,748,433 SH   SOLE 0 56,605 0 1,691,828
ALPHABET INC CAP STK CL A Stock 02079K305 445 160 SH   SOLE 0 0 0 160
MICROSOFT CORP COM Stock 594918104 1,110 3,601 SH   SOLE 0 2,044 0 1,557
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404 618 28,000 SH   SOLE 0 28,000 0 0
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 63,337 298,030 SH   SOLE 0 8,809 0 289,221
VANGUARD MID-CAP INDEX FUND ETF 922908629 27,298 114,775 SH   SOLE 0 3,364 0 111,411
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 71,161 341,317 SH   SOLE 0 10,968 0 330,349
NEXTERA ENERGY INC COM Stock 65339F101 629 7,424 SH   SOLE 0 0 0 7,424
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648 533 10,252 SH   SOLE 0 0 0 10,252
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764 481 8,270 SH   SOLE 0 0 0 8,270
NORFOLK SOUTHN CORP COM Stock 655844108 461 1,615 SH   SOLE 0 15 0 1,600
ALERIAN MLP ETF ETF 00162Q452 8,347 217,941 SH   SOLE 0 5,152 0 212,789
SCHWAB SHORT-TERM U.S. TREASURY ETF ETF 808524862 21,154 427,005 SH   SOLE 0 10,905 0 416,100
VANGUARD CONSUMER STAPLES INDEX FUND ETF 92204A207 211 1,079 SH   SOLE 0 748 0 331
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 414 9,255 SH   SOLE 0 1,438 0 7,817
BROOKFIELD ASSET MGMT INC CL A LTD VT SH Stock 112585104 389 6,875 SH   SOLE 0 3,000 0 3,875
DOW INC COM Stock 260557103 513 8,046 SH   SOLE 0 704 0 7,342
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131 449 26,464 SH   SOLE 0 0 0 26,464
VANGUARD S&P 500 ETF ETF 922908363 326 785 SH   SOLE 0 539 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325 12,407 487,122 SH   SOLE 0 10,003 0 477,119
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747 14,274 136,018 SH   SOLE 0 3,394 0 132,624
VANECK GOLD MINERS ETF ETF 92189F106 17,125 446,549 SH   SOLE 0 13,984 0 432,565
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 17,410 347,498 SH   SOLE 0 8,732 0 338,766
ISHARES RUSSELL 2000 ETF ETF 464287655 286 1,394 SH   SOLE 0 0 0 1,394
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 235 2,102 SH   SOLE 0 1,870 0 232
ISHARES SELECT DIVIDEND ETF ETF 464287168 716 5,591 SH   SOLE 0 2,449 0 3,142
GLOBAL X SUPERDIVIDEND ETF ETF 37950E549 980 85,556 SH   SOLE 0 32,978 0 52,578
VANGUARD SMALL-CAP VALUE INDEX FUND ETF 922908611 2,734 15,540 SH   SOLE 0 1,420 0 14,120
VANGUARD MID-CAP GROWTH INDEX FUND ETF 922908538 629 2,822 SH   SOLE 0 0 0 2,822
VISA INC COM CL A Stock 92826C839 844 3,805 SH   SOLE 0 2,510 0 1,295
VANGUARD SMALL-CAP GROWTH INDEX FUND ETF 922908595 635 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE INDEX FUND ETF 922908744 22,382 151,453 SH   SOLE 0 757 0 150,696
VANGUARD GROWTH INDEX FUND ETF 922908736 15,360 53,409 SH   SOLE 0 259 0 53,150
ISHARES EMERGING MARKETS DIVIDEND ETF ETF 464286319 2,814 86,063 SH   SOLE 0 13,174 0 72,889
GLOBAL X MLP ETF ETF 37954Y343 208 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858 732 13,306 SH   SOLE 0 747 0 12,559
CUMMINS INC COM Stock 231021106 226 1,100 SH   SOLE 0 1,000 0 100
ABBVIE INC COM Stock 00287Y109 224 1,384 SH   SOLE 0 1,348 0 36
SPDR S&P METALS AND MINING ETF ETF 78464A755 1,830 29,866 SH   SOLE 0 0 0 29,866
ETFMG PRIME JUNIOR SILVER MINERS ETF ETF 26924G102 11,158 792,437 SH   SOLE 0 26,028 0 766,409
RESMED INC COM Stock 761152107 243 1,000 SH   SOLE 0 1,000 0 0
MCDONALDS CORP COM Stock 580135101 674 2,727 SH   SOLE 0 1,713 0 1,014
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145 628 19,317 SH   SOLE 0 0 0 19,317
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791 468 9,984 SH   SOLE 0 0 0 9,984
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101 239 8,045 SH   SOLE 0 0 0 8,045
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 930 5,025 SH   SOLE 0 85 0 4,940
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656 2,752 62,769 SH   SOLE 0 2,282 0 60,487
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402 259 12,391 SH   SOLE 0 0 0 12,391
INVESCO BULLETSHARES 2022 CORPORATE BOND ETF ETF 46138J882 3,553 167,106 SH   SOLE 0 4,196 0 162,910
UNION PAC CORP COM Stock 907818108 1,574 5,761 SH   SOLE 0 1,600 0 4,161
VANGUARD MID-CAP VALUE INDEX FUND ETF 922908512 834 5,573 SH   SOLE 0 156 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100 624 4,581 SH   SOLE 0 697 0 3,884
CHEVRON CORP NEW COM Stock 166764100 726 4,458 SH   SOLE 0 718 0 3,740
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 8,540 77,895 SH   SOLE 0 1,900 0 75,995
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 64,657 1,346,173 SH   SOLE 0 38,960 0 1,307,213
TJX COS INC NEW COM Stock 872540109 212 3,496 SH   SOLE 0 3,480 0 16
SPDR S&P DIVIDEND ETF ETF 78464A763 210 1,640 SH   SOLE 0 0 0 1,640
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 3,976 125,194 SH   SOLE 0 25,060 0 100,134
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 538 4,136 SH   SOLE 0 680 0 3,456
ORACLE CORP COM Stock 68389X105 427 5,161 SH   SOLE 0 950 0 4,211
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,383 29,985 SH   SOLE 0 490 0 29,495
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 25,013 222,833 SH   SOLE 0 20,744 0 202,089
PFIZER INC COM Stock 717081103 409 7,897 SH   SOLE 0 2,522 0 5,375
3M CO COM Stock 88579Y101 677 4,548 SH   SOLE 0 1,545 0 3,003
CATERPILLAR INC COM Stock 149123101 336 1,510 SH   SOLE 0 1,500 0 10
ALPHABET INC CAP STK CL C Stock 02079K107 388 139 SH   SOLE 0 100 0 39
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707 11,067 276,457 SH   SOLE 0 5,735 0 270,722
AMGEN INC COM Stock 031162100 597 2,469 SH   SOLE 0 601 0 1,868
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387 1,447 62,214 SH   SOLE 0 74 0 62,140
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879 18,165 177,411 SH   SOLE 0 5,347 0 172,064
INVESCO BULLETSHARES 2023 CORPORATE BOND ETF ETF 46138J866 3,525 167,040 SH   SOLE 0 4,207 0 162,833
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841 3,473 164,855 SH   SOLE 0 4,175 0 160,680
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 20,832 267,415 SH   SOLE 0 6,723 0 260,692
VANGUARD MEGA CAP ETF ETF 921910873 1,408 8,851 SH   SOLE 0 0 0 8,851
EXXON MOBIL CORP COM Stock 30231G102 539 6,532 SH   SOLE 0 1,041 0 5,491
LOWES COS INC COM Stock 548661107 449 2,221 SH   SOLE 0 0 0 2,221
COLGATE PALMOLIVE CO COM Stock 194162103 503 6,636 SH   SOLE 0 4,000 0 2,636
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 5,402 157,593 SH   SOLE 0 23,662 0 133,931
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746 12,295 238,508 SH   SOLE 0 6,014 0 232,494
ISHARES MSCI EAFE ETF ETF 464287465 19,167 260,419 SH   SOLE 0 1,363 0 259,056
APPLE INC COM Stock 037833100 1,726 9,886 SH   SOLE 0 3,856 0 6,030
DISNEY WALT CO COM Stock 254687106 317 2,313 SH   SOLE 0 1,236 0 1,077