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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   533,286 5,163 SH   SOLE 0 130 0 5,033
INVESCO QQQ TRUST ETF 46090E103   226,577 706 SH   SOLE 0 250 0 456
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   3,283,712 21,745 SH   SOLE 0 107 0 21,638
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   20,587,512 798,275 SH   SOLE 0 27,518 0 770,757
DOLLAR GEN CORP NEW COM Stock 256677105   210,460 1,000 SH   SOLE 0 1,000 0 0
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   24,609,788 647,626 SH   SOLE 0 40,962 0 606,664
JOHNSON & JOHNSON COM Stock 478160104   667,120 4,304 SH   SOLE 0 1,037 0 3,267
VANGUARD ENERGY ETF ETF 92204A306   474,854 4,157 SH   SOLE 0 2,046 0 2,111
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   2,967,529 47,902 SH   SOLE 0 13,056 0 34,846
COSTCO WHSL CORP NEW COM Stock 22160K105   313,028 630 SH   SOLE 0 238 0 392
WATSCO INC COM Stock 942622200   202,032 635 SH   SOLE 0 0 0 635
PROCTER AND GAMBLE CO COM Stock 742718109   204,300 1,374 SH   SOLE 0 793 0 581
COCA COLA CO COM Stock 191216100   894,349 14,418 SH   SOLE 0 2,000 0 12,418
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   305,087 8,594 SH   SOLE 0 0 0 8,594
ISHARES U.S. ENERGY ETF ETF 464287796   922,075 21,076 SH   SOLE 0 0 0 21,076
TRUIST FINL CORP COM Stock 89832Q109   231,062 6,776 SH   SOLE 0 500 0 6,276
UNITED PARCEL SERVICE INC CL B Stock 911312106   249,083 1,284 SH   SOLE 0 100 0 1,184
INTEL CORP COM Stock 458140100   1,009,764 30,908 SH   SOLE 0 7,928 0 22,980
CLOROX CO DEL COM Stock 189054109   244,006 1,542 SH   SOLE 0 1,350 0 192
MERCK & CO INC COM Stock 58933Y105   584,294 5,492 SH   SOLE 0 146 0 5,346
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   12,176,168 116,318 SH   SOLE 0 7,544 0 108,774
SPDR S&P 500 ETF TRUST ETF 78462F103   943,371 2,304 SH   SOLE 0 1,069 0 1,235
DIAGEO PLC SPON ADR NEW ADR 25243Q205   295,867 1,633 SH   SOLE 0 500 0 1,133
VANGUARD EXTENDED DURATION TREASURY ETF ETF 921910709   3,489,049 38,536 SH   SOLE 0 1,401 0 37,135
VERIZON COMMUNICATIONS INC COM Stock 92343V104   896,220 23,045 SH   SOLE 0 5,488 0 17,557
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF ETF 922042718   386,710 3,540 SH   SOLE 0 97 0 3,443
PEPSICO INC COM Stock 713448108   585,001 3,209 SH   SOLE 0 1,182 0 2,027
KIMBERLY-CLARK CORP COM Stock 494368103   201,598 1,502 SH   SOLE 0 1,500 0 2
HOME DEPOT INC COM Stock 437076102   481,341 1,631 SH   SOLE 0 1,298 0 333
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   875,926 6,766 SH   SOLE 0 101 0 6,665
SPDR GOLD SHARES ETF 78463V107   253,576 1,384 SH   SOLE 0 0 0 1,384
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   236,653 5,644 SH   SOLE 0 0 0 5,644
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   287,821 1,178 SH   SOLE 0 0 0 1,178
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   525,062 15,088 SH   SOLE 0 1,760 0 13,328
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   375,787 7,769 SH   SOLE 0 0 0 7,769
INVESCO BULLETSHARES 2027 CORPORATE BOND ETF ETF 46138J783   3,392,390 175,726 SH   SOLE 0 6,154 0 169,572
EVOQUA WATER TECHNOLOGIES CORP COM Stock 30057T105   265,256 5,335 SH   SOLE 0 4,985 0 350
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   370,071 3,827 SH   SOLE 0 71 0 3,756
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   883,700 2,862 SH   SOLE 0 320 0 2,542
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   42,531,853 1,734,578 SH   SOLE 0 86,656 0 1,647,922
ALPHABET INC CAP STK CL A Stock 02079K305   533,172 5,140 SH   SOLE 0 40 0 5,100
MICROSOFT CORP COM Stock 594918104   1,497,719 5,195 SH   SOLE 0 692 0 4,503
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   564,820 31,000 SH   SOLE 0 31,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   381,075 13,918 SH   SOLE 0 0 0 13,918
VANGUARD SMALL-CAP ETF ETF 922908751   63,825,989 336,706 SH   SOLE 0 17,426 0 319,280
VANGUARD MID-CAP ETF ETF 922908629   27,984,233 132,677 SH   SOLE 0 9,602 0 123,075
VANGUARD LARGE-CAP ETF ETF 922908637   74,348,531 397,990 SH   SOLE 0 22,225 0 375,765
NEXTERA ENERGY INC COM Stock 65339F101   592,129 7,682 SH   SOLE 0 26 0 7,656
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF ETF 78468R648   12,039,052 281,945 SH   SOLE 0 11,867 0 270,078
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   397,846 8,065 SH   SOLE 0 0 0 8,065
NORFOLK SOUTHN CORP COM Stock 655844108   209,456 988 SH   SOLE 0 35 0 953
ALERIAN MLP ETF ETF 00162Q452   3,005,926 77,773 SH   SOLE 0 13,366 0 64,407
SCHWAB SHORT-TERM US TREASURY ETF ETF 808524862   20,244,874 414,939 SH   SOLE 0 14,562 0 400,377
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   203,390 1,051 SH   SOLE 0 720 0 331
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108   667,290 19,297 SH   SOLE 0 4,585 0 14,712
DOW INC COM Stock 260557103   854,808 15,593 SH   SOLE 0 3,620 0 11,973
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   379,396 32,427 SH   SOLE 0 0 0 32,427
VANGUARD S&P 500 ETF ETF 922908363   280,548 746 SH   SOLE 0 500 0 246
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   4,838,784 189,015 SH   SOLE 0 13,410 0 175,605
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   289,715 632 SH   SOLE 0 0 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   14,557,315 571,772 SH   SOLE 0 42,161 0 529,611
ISHARES 0-5 YEAR TIPS BOND ETF ETF 46429B747   13,670,322 137,764 SH   SOLE 0 4,830 0 132,934
AIR PRODS & CHEMS INC COM Stock 009158106   296,688 1,033 SH   SOLE 0 612 0 421
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   197,294 11,022 SH   SOLE 0 0 0 11,022
ISHARES RUSSELL 2000 ETF ETF 464287655   690,051 3,868 SH   SOLE 0 1,449 0 2,419
ISHARES SELECT DIVIDEND ETF ETF 464287168   586,134 5,002 SH   SOLE 0 2,449 0 2,553
VANGUARD SMALL CAP VALUE ETF ETF 922908611   2,416,486 15,221 SH   SOLE 0 0 0 15,221
VANGUARD MID-CAP GROWTH ETF ETF 922908538   783,653 4,021 SH   SOLE 0 0 0 4,021
VISA INC COM CL A Stock 92826C839   733,872 3,255 SH   SOLE 0 1,483 0 1,772
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   554,010 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   19,196,047 138,991 SH   SOLE 0 762 0 138,229
VANGUARD GROWTH ETF ETF 922908736   15,869,622 63,621 SH   SOLE 0 291 0 63,330
AMERICAN TOWER CORP NEW COM REIT 03027X100   204,136 999 SH   SOLE 0 717 0 282
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   283,240 3,128 SH   SOLE 0 2,151 0 977
GLOBAL X MLP ETF ETF 37954Y343   214,947 5,167 SH   SOLE 0 5,167 0 0
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,253,530 24,483 SH   SOLE 0 5,652 0 18,831
MONDELEZ INTL INC CL A Stock 609207105   221,779 3,181 SH   SOLE 0 1,000 0 2,181
CUMMINS INC COM Stock 231021106   263,007 1,101 SH   SOLE 0 1,000 0 101
ABBVIE INC COM Stock 00287Y109   240,171 1,507 SH   SOLE 0 266 0 1,241
SPDR S&P METALS & MINING ETF ETF 78464A755   1,336,442 25,140 SH   SOLE 0 0 0 25,140
ETFMG PRIME JUNIOR SILVER MINERS ETFMG PRIME JUNIOR SILVER MINERS FUND ETF 26924G102   434,481 39,072 SH   SOLE 0 5,882 0 33,190
RESMED INC COM Stock 761152107   218,990 1,000 SH   SOLE 0 1,000 0 0
MCDONALDS CORP COM Stock 580135101   1,006,316 3,599 SH   SOLE 0 1,607 0 1,992
GLOBAL X URANIUM ETF ETF 37954Y871   11,321,356 568,056 SH   SOLE 0 23,640 0 544,416
CISCO SYS INC COM Stock 17275R102   1,020,199 19,516 SH   SOLE 0 4,978 0 14,538
ISHARES MSCI FRONTIER AND SELECT EM ETF ETF 464286145   695,971 27,197 SH   SOLE 0 0 0 27,197
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   24,558,730 621,740 SH   SOLE 0 31,800 0 589,940
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   913,390 6,108 SH   SOLE 0 102 0 6,006
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   3,535,736 85,944 SH   SOLE 0 13,593 0 72,351
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   229,516 10,228 SH   SOLE 0 0 0 10,228
UNION PAC CORP COM Stock 907818108   1,140,339 5,666 SH   SOLE 0 1,043 0 4,623
VANGUARD MID-CAP VALUE ETF ETF 922908512   726,257 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO COM Stock 46625H100   1,318,737 10,120 SH   SOLE 0 1,515 0 8,605
CHEVRON CORP NEW COM Stock 166764100   806,500 4,943 SH   SOLE 0 1,332 0 3,611
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   9,917,359 92,049 SH   SOLE 0 7,032 0 85,017
MARKEL CORP COM Stock 570535104   212,050 166 SH   SOLE 0 5 0 161
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   58,763,912 1,300,950 SH   SOLE 0 65,313 0 1,235,637
BANK AMERICA CORP COM Stock 060505104   286,715 10,025 SH   SOLE 0 0 0 10,025
SPDR S&P DIVIDEND ETF ETF 78464A763   411,088 3,323 SH   SOLE 0 875 0 2,448
WALMART INC COM Stock 931142103   201,712 1,368 SH   SOLE 0 1,011 0 357
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   6,033,973 219,497 SH   SOLE 0 38,807 0 180,690
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   771,858 5,888 SH   SOLE 0 1,284 0 4,604
ORACLE CORP COM Stock 68389X105   408,198 4,393 SH   SOLE 0 185 0 4,208
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   2,981,884 73,809 SH   SOLE 0 0 0 73,809
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   25,393,534 240,697 SH   SOLE 0 27,842 0 212,855
PFIZER INC COM Stock 717081103   311,753 7,641 SH   SOLE 0 1,970 0 5,671
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   6,894,688 62,902 SH   SOLE 0 2,197 0 60,705
3M CO COM Stock 88579Y101   724,733 6,895 SH   SOLE 0 1,969 0 4,926
CATERPILLAR INC COM Stock 149123101   504,363 2,204 SH   SOLE 0 1,500 0 704
ALPHABET INC CAP STK CL C Stock 02079K107   605,592 5,823 SH   SOLE 0 2,481 0 3,342
SPDR SSGA ULTRA SHORT TERM BOND ETF ETF 78467V707   3,374,963 83,850 SH   SOLE 0 2,944 0 80,906
AMERICAN EXPRESS CO COM Stock 025816109   201,569 1,222 SH   SOLE 0 233 0 989
AMGEN INC COM Stock 031162100   836,213 3,459 SH   SOLE 0 1,130 0 2,329
VANECK SHORT HIGH YIELD MUNI ETF ETF 92189F387   1,386,750 62,214 SH   SOLE 0 74 0 62,140
ALERIAN ENERGY INFRASTRUCTURE ETF ETF 00162Q676   385,236 18,404 SH   SOLE 0 1,511 0 16,893
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   292,344 2,934 SH   SOLE 0 221 0 2,713
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   234,731 4,875 SH   SOLE 0 0 0 4,875
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   18,275,039 195,267 SH   SOLE 0 10,836 0 184,431
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   722,680 10,106 SH   SOLE 0 0 0 10,106
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   328,247 3,194 SH   SOLE 0 0 0 3,194
INVESCO BULLETSHARES 2024 CORPORATE BOND ETF ETF 46138J841   3,395,970 164,933 SH   SOLE 0 6,836 0 158,097
VANGUARD SHORT-TERM BOND ETF ETF 921937827   20,278,723 265,116 SH   SOLE 0 9,362 0 255,754
VANGUARD MEGA CAP ETF ETF 921910873   1,266,932 8,851 SH   SOLE 0 0 0 8,851
BRISTOL-MYERS SQUIBB CO COM Stock 110122108   228,931 3,303 SH   SOLE 0 1,000 0 2,303
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   830,844 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,168,866 10,659 SH   SOLE 0 1,000 0 9,659
UNITEDHEALTH GROUP INC COM Stock 91324P102   323,724 685 SH   SOLE 0 74 0 611
LOWES COS INC COM Stock 548661107   618,107 3,091 SH   SOLE 0 0 0 3,091
COLGATE PALMOLIVE CO COM Stock 194162103   347,644 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,801,940 149,500 SH   SOLE 0 22,304 0 127,196
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   15,212,742 300,291 SH   SOLE 0 31,657 0 268,634
ISHARES MSCI EAFE ETF ETF 464287465   17,176,315 240,161 SH   SOLE 0 1,094 0 239,067
APPLE INC COM Stock 037833100   2,059,601 12,490 SH   SOLE 0 3,801 0 8,689